Regions Bank Reviews

I approached Regions about that and like many of you, I dealt with horrible customer service as well. Finally, I contacted a Mr. ** at the main branch but only after speaking with a pleasant, yet unknowledgeable, young lady Ava. She couldn't explain why charges were seen twice. I'm sure you've all been told something about the "merchant having 80 days to take their money". However, it's always reflected in your balance and pending authorizations.

Well, after complaining and no one being able to explain why pending authorizations that were shown on one day's total also showing on the 2nd day’s total and having cleared, I awoke the next day showing a deposit in the amount of the difference from those pending authorizations. This leads me to believe Regions is aware they are pilfering funds from consumer’s account. You just have to be aware. In the meanwhile, I've begun to audit my daughter's account and will figure out just how much has been taken.

If you want to file a complaint, you may do so by contacting the Federal Reserve, www.federalreserveconsumerhelp.gov or by telephone, Federal Deposit Insurance Corporation at (877) 275-3342. Also, you may contact Consumer Financial Protection Bureau at (855) 411-2372. The Consumer Financial Protection Bureau (CFPB) will first begin to handle credit card related complaints involving large banks (those with assets of $10 billion or more). Consumers can contact the CFPB via telephone (855-411-2372) or via the CFPB website (http://www.consumerfinance.gov). I hope this is able to help anyone who has thought something was aloof but couldn't quite figure it out.

Now all of a sudden, there are pending transactions that won't let my check clear after it showed in their system that there was nothing stopping it from clearing. I was included in the Bank of America class action suit and I am ready to start one with this bank. I am so pissed at financial institutions that feel like they can do this to hard working consumers. I just think we will have to go back to hiding our money in our mattresses.

I have had a problem in the past with Regions, which they acknowledged and credited my account. I think the practices they have are unfair. My direct deposit was sufficient enough to cover all transactions, including all pending transaction processed by their cutoff of 4 pm. I had one transaction I conducted after business hours which was to be credited the next business day which they did not and then informed me it is pending and therefore could not count against me. Yet, all my items cleared and I was charges excessive fees without merit. I have a copy of the transaction and I will be more than happy to forward that information for review.

I asked her if I can talk to the manager; she told me she is the manager with bad attitude and there’s noting she can't do because everything has to be researched from Birmingham, Al. I asked her then, “Can you please call Birmingham?” She told me there is noting she can do because she has to do it by internet with bad attitude. I got mad and stood up. I went out and my husband saw me mad and he asked me. I told him and he told me that probably she didn’t understand you. Let me go in and he walk in and she was making jokes in the other desk; he asked her, “Please can you make that call?” She denied and got mad and said, "I told your wife there’s nothing I can do and wait for the call when the money is available." My husband told her, If I bring the news here, what are you going to do?" And we walked away. We went to a former work partner with my husband. She knows better English than us. I asked her to help us with this problem and she fined the phone number from Regions Bank in Birmingham, Al.

We explained the problem and they keep passing us to upper management and that’s what I want her to do, just call and do the job she’s supposed to do and talk to three different people. I have their names and they told me my money was going to be Monday in the bank and I have the option to pick it up in the bank or get by mail. I told her I was going to pick it up in the bank and that was the agreement with the main office and one hour later the manager from Semmes called me and told me, “Don’t come to the bank; you’re going to get the money by mail and it was going to take five working days,” with attitude and then hang up with no apologies. I felt discriminated like she doesn’t want Hispanic in the bank. Now I don’t want no more bank account with Regions Bank and that’s the bank that help you how to build your future.

On January 13 the bank then DID an automatic transfer from my checking into the savings account I had closed. But returned only $18.00 to my account leaving me a negative balance on my checking of $71.25. I had been unable to cancel my va disability check for that month and let it pay for these charges. Then tried using my PayPal account to remove the remaining balance. But ended up with a remaining balance of $3.47 in my checking account. On February 7 I was charged a $10 monthly fee, something I had never been charged before, putting my account at a negative $6.53. On February 10 the bank again transferred $20 into a savings account that I had closed in December. Then charged me an nsf od fee of $36 for this privilege. Now the account I have tried to close out for two months is sitting at a negative balance of $62.53. This is bogus. These people are nothing but thieves. I am sick and tired of them taking my money. I have been trying to get my credit back on track but with a bank doing this sort of stuff how can one ever get right? I cannot afford to keep paying their bogus fees and keep my bills up to speed too. This is crazy. I cannot believe that the law allows this sort of thing to continue.

The main reason I'm posting this complaint here is because Regions doesn't even have an efficient way to file a complaint about customer service. I emailed Regions to ask how to file a complaint and their reply was that I could either go to a local branch and speak with the branch manager, or I could mail (not email, but mail) my complaint. Or fax it. Seriously. They don't even have a simple email address just for customer complaints, which speaks volumes to how little Regions actually cares about its customers.

This was the Regions Bank on the corner of State Street and Fortification in Jackson, MS. I want to be clear that the tellers were, as always, trying their best to get customers’ needs met quickly and efficiently. But, in my experience, management at Regions has long been inept and indifferent to its customers. Having only one or two tellers, even at the busiest times, is the rule. Meanwhile management sits at desks and ignores the long lines and the needs of its customers and exasperated tellers. I will be closing my Regions account and moving my money to a local credit union.

They are withholding this information illegally. I log online to the account and it does not tell me anything about the account. There is no way of getting any detailed information on this account there. It is almost as though they have intentionally designed the web interface to not show any detail. Can you help please?

To sum it up, do believe they'll find any way to charge the consumer on debit transaction fees!

Then, I left the bank and returned at 3:00, at which time I was told Tarry was out and not coming back. I called the police and told them to send someone over or there was going to be a problem. They came and ironically Tarry showed up too (imagine that). The bottom line is that I got my money yesterday and I will be closing my account within days.

I will make it my life’s mission to tell this story to anyone who will listen forever. It was embarrassing and harassing. I was made to feel like a criminal and second rate citizen after years of being with Regions. This was over the top out of control drama. It seems like to me, Ms. Lara was in charge at the moment and got the big head and the red ** and decided to harass me. Shame on Lara, shame on Tarry, and shame on Regions Bank for employing such unprofessional, mean spirited people! My phone number is ** for anybody who wants to chat about this incident.

Getting those removed took 2 months of fighting. If that hadn't been a sign to stop using the bank our next problem is. We have been using their bill pay to make our car payments for over a year. Never had a problem until January when we got a call from our loan agent wondering where our payment was. I looked at our payments online and Regions said the payment had been posted and went through. So I called our loan agent back and told him there must be a mistake on his end because Regions showed the payment had gone through and that the loan company received it. He agreed to wait a couple days to see if it showed up.

On the third day he called us and said the payment hadn't come through. Then he accused us of lying and not paying. Of course, I got upset at this so I contacted Regions in person. They told me I had to call the problem in; they couldn't handle it in the office. So I called the 800 number and after being on hold for 20 minutes they told me they payment had been cancelled on their end and a paper check had been mailed instead and it would take 5-7 business days. Absolutely incredible.

No notification that our online payment hadn't gone through. No notification that they were instead sending a paper check. Luckily, we didn't get a late reporting from our loan agent who was nice enough to wait for the check. Never again. To be told I had to call for help instead of being helped in the branch, to not being notified of a canceled payment and not being notified a paper check was sent in lieu of an electronic payment, is a poor, pathetic business practice. We closed our account and opened one with a smaller family owned bank.

What the heck is going on here? I had my card stolen and Regions Bank tells me it is still open as my money is taken from old card. I need an attorney. I have never in my life 51 years seen that happen. When your card is reported stolen and then Regions Bank keeps it open so who ever can use it. I am ** off! Stay away from Regions Bank please, you will get bent over!

One manager was very rude, Pam T at Regions Bank on Chapman hwy in Knoxville as were all the staff. Trust me, small business owners and those looking for a personal checking or savings, stay far away from Regions Banks and their affiliates. I still never got my cash deposit back yet and they wonder why the economy is down. If you can't get your business going, you can't hire. Regions would like everyone to be rich already or go apply for welfare. I bet I could get that. Thanks, Regions, for violating the FCRA. Happily, I moved on and have a great bank. I still want my cash deposit.

Why would the HR representative call me if it was really anonymous? Also, after using it time off that was already on the schedule was then denied? When questioned about it was told by the corporate office that it definitely was not retaliating that Regions does not give time off without pay. Yet they had earlier in the year? So anyone thinking of becoming employed by Regions bank, think twice! They are not the kind of company they try to portray themselves to be.

I called to confirm that my account was closed, and they told me it was. Several days later, they emailed me, saying that I had a negative balance. They decided to charge me $72.00 in ridiculous fees, on an account that had been closed with a zero balance. I had to pay them $72.00 more, and although the customer service rep I spoke with could not explain the charges, she said that she wasn't allowed to remove them. I closed my account for a second time, and even though I have switched banks, I have to log in to Regions everyday, to make sure they have not reopened my account again with a negative balance.

Now, I'm not arguing that they should order the transactions from least to most; clearly, the most honest and fair practice would be to simply maintain the original order of the transactions. This business of rearranging the order of your purchases to intentionally trigger a series of fees should be illegal. It is clearly a predatory practice. I spoke with customer service and was advised that a fee will be charged when you use your debit card without the funds to cover the purchase.

Well, yes, that's obvious enough. The problem is that I did have the funds to cover almost all of the purchases. If the bank had cleared them in the order they posted, rather than in the order they chose. I spoke with someone in management who was equally condescending and unyielding. Mind you, my account is generally in good standing, and I've been a customer for almost fifteen years. I do not habitually overdraw my account; it's a very rare issue. I would be okay with having been charged one fee, but six is ridiculous. Unless the bank reverses this decision and refunds my money, I will close my account and go to a credit union. Bank of America just settled a $400 million dollar class-action lawsuit over this very issue.

These people are shysters and thieves. They do shady transactions and have no remorse or care. I understand that a bank is in business to make money but isn't it at all possible to do it without stealing from your customers? I have another bank account and have already transferred my direct deposits and all other automatic transactions to that account but now, I have this on my history and credit.

I hate the way Regions Bank conducts business and I hope that I can help keep someone else from falling into the same trap. The only reason I opened an account with them is because they have branches in most of the south and when we moved to SC from GA, my husband was commuting to and from ATL for his job for four hours. I felt it would be more convenient since Regions has branches all around Atlanta, but it was the biggest mistake I have ever made. Robins Federal Credit Union may not have branches all over the south but the ones they have are filled with people that seem to remember and know what customer service is. I have had an account with them for over eleven years (I never closed the account) and I have never once had an issue that they were not willing to work with me on.

I want to have my money handled by people I feel I can trust. I have no trust in Regions. In fact, I feel that I would be better off finding the local bookie to handle my money than Regions Bank.

I truly have to wonder, if this is how poorly the company treats people they do not do business with, then how do they treat the ones that do. I sincerely hope it is with far more consideration and diplomacy.

Consequently, they have cost me greatly. I watch my account daily, usually, several times a day. I believe what they are doing is illegal. I have since opened another account elsewhere, and will eventually close this one out. One other thing that made me unhappy, I have a monthly bill drafted from my account, this past month the company mistakenly drafted the payment twice. They called the bank to have them stop the second draft or reverse it and the bank wouldn't talk to them and told them to contact me. Seriously?

I am a large man and a biker and was dressed as such. I feel they thought I was some poor red-necked biker, and they could just take advantage of me.

I asked to speak to upper management and was told that I was talking to them. And then I was told that they were on vacation and never was shown in print who was who. I don't understand what a Cashier's Check is if it isn't cash. The Cashiers Check was drawn on Regions Bank. I could have understood if it had been a personal check of some sort. I was never shown in print where it was a policy to charge a fee to cash their own Cashier's Checks.

I had explained to them that I had drove quite a long distance to cash this check, and I didn't feel like it was right to charge me to cash their own Cashier's Check. I was never shown in print where that is their policy or how that they come about what to charge. When I first asked the lady what the charge was to cash the check she looked in the air and then just came up with a figure. Then they said I should take it to my bank and cash it.

I would like to see if there's a lawyer who would like to take my case, as I am ready to go to court over this.

The first purchase was in the amount of $103. So on the same day, I used my card approximately 3 more times. On 12-20-11, the old account overdrawn x amount dollars. Chronologically, first is the $103, then the original $748 that was to be taken out on 12-16-11 followed by my other 3 transactions. Then followed by my "2 pending transactions" that from the previous week. Now, the original $103 that started the chain reaction of overdrafts in pending again. So currently, I'm $354.00 in my new account. I immediately withdrew all my money from the new amount. I was transferred to 5 different service reps on the phone requesting the overdraft charges to be replaced then I would pay my debit and make the account zero balance. I was offered a refund of $18.00.

First, the employee did not inform me that money deposited on 12-16-11 would not be available until 12-20-11. Second, Regions has now placed a "pending $354.00 deduction" on the person's new account that I previously had a joint account with. Regions has done this several times, i.e.changing deposit/debit dates and times to cause a chain reaction of overdrafts.

So, I am upset for the following reasons:

I was never told at "closing" that Regions could "nullify" my HELOC. Egad, why Mr. Regions, property values fell in 2009; so why do you now throw in your trump card? Also, Ms. Regions Bank, all property values have fallen from there highs; so, why do you assume that my property value has fallen any more than the rest of the country since 2009. If you were actually concerned about my property value, you would have "blocked" my HELOC two years ago. The St Johns Property Appraiser has conservatively appraised my property more than $400,000.00 more than my mortgage and my HELOC combined.

Regions never notified me of the "block" that they placed on my HELOC! How kind of Regions Bank. I guess that Regions placed me on "double secret probation".

Now, I am being charged over $200.00 in fees by BA and my mortgage holder. Gee, thanks Mr. Regions Bank. Why would I ever want to do business with Regions Bank again?

I will close my account. I've been there for 20 years and they do not care the least!

Please be aware that per your Customer Agreement, you agree not to use your account or bank services (such as this messaging system) for “activity that could in any way be considered offensive, harassing, defamatory, privacy invading, abusive, threatening, inflammatory, scandalous, harmful, vulgar, obscene or otherwise objectionable”. Therefore, further continuance of offensive language may lead to repercussions such as your online banking enrollment being disabled up to account closure.

I wrote to tell them that I was pissed.

I had an over $800 swing in my account through no fault of my own! When I was a kid, if there was a problem at the bank, the president of the branch or manager would call my folks and advise them and afford them an opportunity to correct it. That was customer service. There is nothing remotely resembling customer service at Regions bank these days. I spoke to my branch manager who informed me that there was nothing they could do since it wasn't a bank error. So much for empathy. The person who wrote the check which was returned spoke to them and took responsibility and asked if they could waive the fees since it wasn't my fault. Same stoic helpless response: “Nothing we can do.” They wouldn't even waive one of the charges since three months back when I did make a mistake and caused a negative balance; they refunded me half of a fee and acted like they were doing me a favor.

Now, this means I have used up my once a year 'courtesy' they extend to you as they rip you off with their banking practices. It is nothing but legalized theft. Regions bank as a business entity is corrupted with greed and avarice. They are not a customer-friendly enterprise. They are an ongoing criminal enterprise. I thought their rules forbade them from charging an NSF fee for items under $5.00. Pawnshops charge 300% interest and everyone agrees they're shady. What is $36 interest on a $1.05 transaction? When I am able to clear my balance soon, I will close my account with Regions and open one with Redstone Federal. My wife loves them and has never had a problem at all with them. If they had called I would have covered the returned deposit and saved myself around $500 in fees. Regions: you suck big time. Five stars worth.

So, apparently we had no money in an account with a healthy balance and they decided to take an extra $216 out of the account that did have a balance to pay our outstanding checks. We were never notified of this "problem" with the check and were pretty surprised to see our bank account with plenty of money being charged NSF fees. Customer service does not exist at this bank.

We are out $216 because Regions decided that a payroll check that has never given them a problem was a "potential" problem. We went the local bank branch and were told, "This is nobody's fault." But they have refused to give us the fees back. We will change banks as soon as possible.

This morning when I awoke and checked my account, the check had been returned even though it did not cause the overdraft! After 13 years, I am finished with this poor excuse for a bank. Regions bank has lost my business for good. I'm not a deadbeat who asks for a handout every day. I am a hard working, tax paying individual who goes out and does everything he can for his family every day and this is how I am treated. I was lied to by a bank employee but don't have it in writing so I'm sure they will just deny it. It always says calls are recorded but I'm sure this one will have been "lost." Thanks for nothing. Regions bank is the worst bunch of liars I have ever been associated with and have no desire to do business with them. Our 13 year banking relationship is over.

I am closing my account this week and have urged everyone I know to do the same (many still don't know about this fee. I only found out accidentally today. Was given no notice). If enough people refuse to accept this, maybe they will pull a BoA and get rid of the fee. Until then, I'm taking my money to First National.

Regions is trying to take advantage to show profits from current year and is willing to charge and annoy all customers unless you are a big balance bank customer. They want to rid themselves of customer like myself who are terminally ill and unemployed.

You hear your son or daughter coming in after their curfew so you know they broke curfew but, when you get to their room they are there. Did they break curfew? Yes. Did you use funds that weren't covered? Yes. Pending isn't pending to the account. It is pending to the post, not pending from available or non available funds.

I contacted Regions Bank and asked if they would combine both balances so that I would avoid having to worry about the business checking fee. Their response was a generic 'sorry, nothing we can do'. I was charged $15 for not having enough in my business account. I am closing all accounts with them today because they were unwilling to work with me and because of the principal of the matter. I am switching to my local credit union. It is their loss. IMO, Regions is greedy and they are only helping the rich get richer and the poor small business owner, such as myself, get poorer.

What is impossible to account for is how much they will charge you (based on the items they 'push' through 1st) & then trying to account for a much higher (negative) account than I could have ever anticipated. I get paid tomorrow but will still have literally, no money. I am already barely making it. I can't change banks right now because I cannot seem to get out of this loophole. I am broke. I have less money right now than I have ever had in my entire life.

They are nothing but a bunch of thieves and I want my money back. But I promise they will not get another cent out of me. Just like everyone else. I work hard for my money and I wont just give it away to thieves. They do not deserve a star, they need devil horns!

This results in cases such as mine, where twice in the last 4 months I have paid overdraft fees (totaling $300-400) when the only thing that overdrew my account was the overdraft fees themselves; no transaction was posted that would have overdrawn the account. Except for the fees charged, the account never would have been overdrawn.

I have spoken to 3 different folks there who gave me 3 different brands of explanation before I finally spoke to an officer who had come to the joint Regions/AmSouth merger from the Regions side, who told me 'Yes, we charge overdraft fees on pending transactions now. Regions didn't before the merger, but now we do.' All the officers who came to the joint bank from the AmSouth side say '"we've always done it that way." Followed by some ridiculous explanation of why their accounting is correct. Each of the 3 I spoke to, flatly lied when I asked if they charged NSF fees on pending transactions and said 'no'. The first of those cost me an extra $200 in fees since I believed her, and thought I just didn't understand. Had she merely said 'yes', the second occurrence wouldn't have happened to me.

I went to school and took business accounting in college. Another time they did the same amount and time frame for the overdraft fees. They told me a different story that it depends on when the business takes their money. What's that got to do with paying them? The one that got me laughing was they told me to pay the largest bill to the smallest bill. I hate Regions. I think they are lousy business people and something or someone should be looking into them like they did Bank of America and their overdraft fee manipulations. What ever happened to normal banking. The only reason I have to stay with them, is because my husband has his check deposited automatically.

When I went to the bank to cash the check, I was told that I had to pay a $20 fee because I was not a customer. If I didn't pay the fee, they would not cash the check. However, if the customer who wrote the check came down to the branch, they could cash the check with no charge.

The first month they took out our rent twice which caused us to be over drawn and then refused to pay for the mistakes saying it was unfortunately not something they could override. The second month they were almost a week late in getting the check sent out which caused our landlord to think we were trying to ditch our rent and the bank blamed it on the holiday that had just passed.

Finally this month when they still had not even taken the money out of the account by the third, my husband withdrew the money from the ATM and got a money order causing us to have to pay ATM fees and money order fees and then they tried to take the money out on the fourth which caused us to once again be negative and be slapped with overdraw fees. Because we had other bills coming out around the same time, my husband basically lost a week's worth of pay from all the fees and everything it took to bring it back up to positive again!

The debit draft was signed by a Regions bank employee for six figures! I had excellent score. This was a second mortgage. I am looking for an attorney to sue Regions. As soon as the attorney told me I needed a bank litigating attorney, Regions took back the money and never sent me another statement!

They get away with murder!

I left home, stopped at a Regions ATM to verify the balance and still had $4 and change. Two minutes later, I purchased a 12-pack of Coke at the Piggly Wiggly for $3.57. When I returned home, checking for my online balance and had $0.98.

On September 19, Regions had charged my account two NSF charges on these two debit transactions. $72 for debit transactions, when there was a balance to cover the purchases.

What recourse do I have? Numerous e-mails and phone calls have gotten nowhere.

Her signature was also forged badly. As I understand it, she is not the first elderly person to whom this has happened to. Whoever did this knew all the information that the bank knows (how much money on the account, check sequence, when to write the checks) and knew that she was old and could be taken advantage of. All this leads me to believe that it was an inside job. The people at the bank know that my father just passed away and that she is alone. No one has access to her check book but her, and she hardly ever writes any checks. The bank manager and official which alleged that they had gotten a verbal approval to pay the checks from my mom have mysteriously been moved to another branch. Your money is not safe at Regions.

If we don't have $1500 minimum in our account a month, you will charge us $10. But the rich, who can have well beyond that in their account, gets no fee? Charge the poor, yes, that make sense. I don't have money for myself, but I have $10 a month for you? And then, a $4 fee for each debit card?

When your motto is Go Green, forget that! I am going to back to checks. You have all lost your ever loving minds, are money hungry and need Jesus? You should be sued for stealing money. The money of the Americans keeps you afloat. I hope your company falls flat on its face and goes under! You should never have received a bail out, and when you company does go belly up, my money will be under my mattress.

In 2011, since the time for the yearly deposit was nearing, I called the bank only to find out that their policy had been changed. My $5.00 had been withdrawn in fees for non-use of the account and it had been closed. During all this time, I had never received any correspondence or statements from the bank. To say the least, I was shocked and disappointed. For years, I had dealt with AmSouth hometown, friendly people whose word was more reliable than any signed documents; however, I now find a bank full of strangers, whose word apparently cannot be relied on at all. My $5.00 is gone, along with heaven knows how many other hundreds or thousand others. I will never use that bank again.

Well, the check has been cleared with my job's bank and I am still waiting. I just want my money so I can pay my bills. I am a mother of three. If the account has to be closed, that's fine. I just don't wanna be evicted. I don't know if this complaint is going to the right person. If not, could you please direct this to someone who will assist me? Time is ticking and my leasing office will not wait any longer. I cannot wait until Regions decides to cut a check then have it mailed. Please respond to my email.

There were some automatic bill payments that were never cashed. Therefore, Regions automatically withdrew money from my account without the check being cashed.

I went to the Regions Bank on Kingsley in Orange Park, Florida and asked them to order my checks. And if they could correct the error the bank has made in putting a code on my account so they could only order checks for me. I never received my checks.

When further investigating this matter, I found out that Regions had ordered my checks and sent them to a bank that had been closed for 5 years. When I called them to verify this matter, they said, "We have that address as the only address we can mail it to.” Keep in mind, if they had any brains they would realize that the address they sent it to was one of their old branches that closed 5 years ago.

They have made thousands of dollars from me and others in O/D, where most of your banks will work with you. They don't even want to hear about a credit. Not an option. If I had to rate this bank, as well as Bank of America, I would say from a 1 to 10, 10 being the worst, I would give them both a 10.

I was informed in a rude manner that I could just take my check and get out or pay. I had to pay $20 of my earned payment to get it cashed.

I spoke with Wanda ** Branch Team Leader, and she stated that it is their policy to clear the largest transaction, and to back up as much as needed to do so. Ms. Wanda appeared to be concerned about my account and asked that I give her an hour to clear up my account and that she would call me within the hour. Five days and two phone calls later requesting she call me, she has not returned my call.

I called the branch again on this date, August 22nd 2011 and was informed that the transactions that Ms. Wanda told me were not covered and not the correct ones and was given different transactions not covered. I was informed that three transactions were processed on the same night and that they cover largest to smallest even if we have overdraft protection to cover the largest transaction. This is the second time Regions has done this to me since October 2010. Both times, I was advised that it is their policy to back up and not cover smaller transactions and cover the largest first.

We, the consumer, are the ones being hurt by this policy because instead of being charged one fee of $35 dollars, I was charged multiple fees for smaller transactions. When I asked the bank to give me a copy of where I signed knowing this policy or when I signed up for the account, perhaps something that I would have signed with the bank's procedures, I was told that they can't give me anything because there is not anything. It appears that Regions has changed their policy and procedures without notifying us of this change.

I had only received one child support check in over a month and I had to use my children's money for school clothes to pay fees.

No big deal when the checks game in I should have gotten two overdrafts. I have overdraft protection. But what they did was rearrange all the transactions for the day to count the checks first and I ended up with six overdrafts. I went in and talked to them and they gave me an excuse that it was for my protection, that they wanted to pay big ones first.

Not true. They want to make as much as they can. I have been with Amsouth since 1998 with the same account. I will be changing this week. Regions misleads its customers and all the alerts and APs are worthless because they can change at anytime to benefit the bank. Done.

Then when I went back in months later, they shorted me by $3.00. They gave me a roll of nickels instead of dimes. I had one roll of nickels too many and short $3.00. They refuse to correct the problem.

I’m sorry I set up my business account with this establishment and sorry I returned the $50.

I was ready to leave the bank but a bank agent, **, said she would take me out of the "Overdraft Matrix". By the way, ** also said these overdrafts were "not right" but couldn't reverse them.

I paid the fees and remained with the bank on the merits of their great tellers and a non-inclusion in the "Matrix".

I later overdrew it by about $22 dollars and ended up with a $239 total. Their explanation was otherworldly. I couldn't believe what they were explaining to me. It is outrageous and I have a pdf file of the transaction. This has to be illegal.

I had to call 1-800-REGIONS to find out why and then found out that they closed the account. They gave no reason. I withdrew my funds from Regions and put it into another bank that same day. Then, on 8/1/2011, when my job was not able to stop my direct deposit from being deposited into Regions Bank and was deposited in there. Now, Regions has hold of my funds from 8/1/2011 from my employer and has not released my funds to me.

If I'm not mistaken, they're breaking the law. A bank is not supposed to withhold any funds from a customer. There is no valid, legal reason to do that when there is no outstanding balance, no loan, no credit card, no lien, etc.

My account was 0.00 when I left them and in good standing. My 8/1/2011 deposit which, by the way, is over $1,000.00 from my job should be given back to me in full from Regions Bank. They are withholding my funds. I have contacted the government agency that regulates their actions and filed a complaint.

After calling several representatives, 3 told me that from Friday until Wednesday, the staff has to get "caught up". WHAT?! So for the past month, I have not used my debit card from Friday until the following Wednesday. A few minutes ago, I checked my balance. Every purchase I made on July 1, 2011 was returned (when it initially showed as being 'paid' until 7/9/2011) and I was charged $36.00 for each return payment when I had enough money to cover everything. May 31, 201, I deposited a check of $2,000. My total expenses from July 1, 2011 to July 9, 2011 totaled $254.54.You mean to tell me that when I looked online at midnight, May 31, 2011, and saw where the check was deposited, I was able to spend money using my debit card and someone...all of a sudden decided, "nope, return everything?" Why make your customers believe that their funds are solid after a direct deposit only to turn around and decide to take it all back.

I had a free checking account but pulling my money out tomorrow morning at 8am. I cannot imagine having to make 10+ transactions a month w/o direct deposit in order to stay with them so new customers...GOOD LUCK!

She wanted to speak to a manager and was even rude to her and some security person who was there. When she was walking out the door, in front of me, she turned around and made a face toward where she just walked from and then stuck her nose up like she was too good for the people in there. I heard her calling the local 311 complaining about the people there and the security person because she said they "got in her face". They were all very polite to her and did what any trained person would do to try and calm a crazy person down. She apparently did not have her own head screwed on right or someone pissed in her cheerios this morning.

After two car accidents wherein my best friend broke his neck and then I had a heart attack along with later spinal surgery, I am now disabled and on Social Security. Before this, my credit and payment history was perfect. In November 2008, I wrote asking for help, but was ignored. I used my IRA money to try to keep up with payments but when the money finally ran out, I defaulted on the second Mortgage Line of Credit with Regions in June, July, August, and September of 2010. Bankruptcy seems the only option as my home and residence are worth $158k and the first mortgage will take that completely and then the line that I owe Regions throws what I owe $100k under water. Your Collection and Loss Mitigation departments told me that Regions does not work with Obama on any of his Home Help from Foreclosure plans.

The rude and uncaring people in the Regions collection department were unbelievable. I thought that a glimmer of hope would be dealing with Loss Mitigation department. They were very friendly but in the end I was lied to and taken advantage of. I was told that if I made three payments in a row on time, "all is forgiven" and we will let you start paying down your line and that no back charges would be charged. After three months of making my payments on time, I was then told that Regions is happy to approve my "Re-Age program". However, they have decided to charge me all of the late payments and penalties on top of everything. After calling my representative in Loss Mitigation, I was told she said we "MAY" not charge for late payments and penalties, etc. She made her emphasis on the word "may". This was an out and out lie and deceptive!

On my statement with due date of 5/11/11, there is an additional questionable charge of $30! Also in the hidden amounts behind the finance charge, you can see on your computer other charges (that are not finances) that are charged to me monthly.

My reason for writing is to ask for your assistance in finding out the hidden charges, finding out why the $30 charge in May 2011, finding out why your business would tell their customers one thing and do something different, and then I am asking for credit to show my line balance is $99,285.52, which is what the computer still shows.

It's amazing that two sets of books are kept as one shows $99,285.52 and the other shows a much higher amount of $102,506.78. I am also requesting that my line of credit interest rate be changed to zero so that the payments will pay off this closed loan for I do not wish to file bankruptcy.

The office had a line of at least 7 people and there I was being harassed because of my t-shirt. It was embarrassing. I called the 1-800 customer care line and complained; they said they would "contact the office" to handle the situation but I doubt they did anything. Then, I wrote a check for groceries on a Tuesday night (my paycheck was direct deposit on Thursday at 12:01 am). The check came in at the same time as my direct deposit and they charged me a $25 fee. I called and told them my deposit was there and wondered why they charged me. The woman told me, "We didn't charge you an insufficient funds fee. Those are $35. You were charged an unavailable funds fee because even though your deposit was pending, it wasn't posted to your account and therefore was not available for use." What the hell? I also deposited a check one morning at 8:30 am and that evening tried to use my debit card but couldn't.

They said if I deposited cash it would be available immediately, but any checks deposited aren't available until the next day, no matter what time of day it is deposited. I also was married last month and went in to the branch to change my name. I brought my marriage license, marriage certificate, birth certificate, new social security card and old driver's license. They gave me a hard time because my license didn't have my new name on it yet. The branch manager had to get involved and then finally they changed it but told me it would be $20 to order a new debit card. Enough is enough and I'm closing all of my accounts with them and moving them somewhere else. I'm using old checks and my old debit card and moving all of my accounts today. Regions is awful!

Basically, I got charged twice for one item because it was a pending item too, so it was charged as a pending item and then when it went through it was charged again. I went to the office to speak with Brian **, the supervisor. He said that there was nothing they could do. It was the way it worked and since it was a payroll check; it had to wait till Monday to be deposited. If I would have deposited cash, it would have been automatically added in. He also agreed that it would have been better to go to Wal-Mart and cash the check for $3 and then deposit it. I don't understand, isn't that what my bank is for? How is it that I can deposit my check and can't use it till Monday? I can't withdraw out money because it doesn't matter, it goes right through. Why isn't there a cutoff on Fridays on which items can be processed, especially if there are cutoffs on deposit?

My husband and I are not rich people. We work hard for our money, and unfortunately we are tight. We have 3 kids and it is the summer, so I do have to pay for babysitting, I honestly thought I was safe withdrawing that $60, because I didn't think again about it till Monday morning. And of course I paid some bills online Friday night and paid my babysitter for the week. And to cover the damages my husband and I had to go and get a quick loan to cover the expenses, and those loans were going to hurt us in the long run too. But I didn't want to bounce again. What were we to do? I honestly think we were done wrong. Our money was there and I just don't think it is right to take our money when we try so hard to not to overdraft.

At no point was I ever contacted that this account was being switched from a free account to an account where I had to keep a certain dollar amount or be charged. Now, I got a bill saying I owe them money that is just ridiculous. I tried to find a complaint number or email address online, no luck there either. Anyone banking with them or thinking of banking with them, don't run the other direction. They misrepresent themselves and can change their minds at a moment's notice and start taking your money.

He called the bank and talked to Andrea (head person over checking). She not only stated that we did not have over draft protection on the account. Jerry (my husband) told her that he had had this protection from the moment he had opened the account, which she then informed him that he did not. One word lead to another and Jerry ended up getting so upset that I had to calm him down. Now, Jerry has had open heart surgery and has a bad heart which includes a pace maker. He does not need to be talked to in the manner in which she undoubtedly was doing. He very seldom gets upset just for that very reason.

To make the long story short, not only did she tell him that he would be charged the $36 overdraft fee, but they would not honor this check. Now, he is being charged an extra $100 for late rent plus $36 overdraft fee for a 1 1/2 hour delay. She did tell him that this was all done by a machine so nothing could be done.

To make things worse, the park manager informed us that we would be charged the $100 late fee PLUS an additional $75 returned check fee. So now it's up to $175 from the park manager and $36 from the bank. Do you realize when you are on a set social security income every single penny counts? I apologize for getting upset with you, it's not you I am complaining about, it's Regions Bank. I also forgot to mention that this morning (3/11/2011), he went into his online account and found that Regions Bank has now charged him an additional $50 for even talking to customer service. That's unbelievable! When I went into the additional fee to see what it was for, it was the for Bank of Guam. Yes, that's what it said.

Needless to say, he went to the ATM and withdrew every penny he could out of his account before they took it upon themselves to take anymore. I sent them an email (I can't call since it's Saturday and they aren't open) inquiring about this "Bank of Guam" and what the fees were for but I'm afraid they will probably charge us another $50 for even asking a question. Could you please, please find out what kind of Bank this Regions is? It cannot be a bank that would be allowed to function with these practices.

I got $140 in overdraft fees at $35 a pop when I woke up Tuesday morning on the account that I was opt-out for overdraft (so "I won't get fees again"). That was not true in this case. Since I was there before 4:00, I drove to three branches and all were close. Other banks were open such as FirstState, Fifth Third and Bank of America.

I don't feel that I need to pay the $140 in fees as I tried to get this money and checks deposited before the standard cut off time of 4:00. I had been told from another branch a few months ago when I deposited a check in the ATM that it needs to be hand verified and does not credit the same day. I went to where the account was held at and was told that they couldn't refund the fees. I should have used the ATM and they said that it would have been credited the same day. In fact, they said that I could deposit checks until 6:00 PM and get credit that day--which is not what I was told at the other branch where I did deposit the check. It got lost and it was a big ordeal to get credited.

They had all these reasons why it was my fault, despite the fact that at 3:05 the next day, I had $16 in my account. They claim that the check went through on Sunday and that the available funds were incorrect. I don't like how banks tell you to go check online on the available funds and then they tell you later that it doesn't matter that my account had already been withdrawn. I feel strongly that banks setup and play with debits to get fees. It's discouraging when you work 16-18 days and they take $140 out when you had the money to prevent it.

I argued that I had conducted his banking business, at his request, several times previously and there had been no problem. She said the rules had changed and I would need to have a new POA document drawn up. She made me feel like a criminal. The POA document was drawn up by one of Kingsport's leading attorneys and was not illegal. I was furious because I had driven all that way for nothing. I called my father and he told her he wanted me to close out the box, but she wouldn't budge. I had no choice but to leave.

I called the 800 Regions number and got the name of the bank manager, Cindy. When I spoke to her, she was sympathetic but said the rules had indeed changed and a general POA could no longer be accepted. She said my father would have to come to the bank in person if he wanted to close out the box. I told her if he was able to do that, I wouldn't be talking to her. My father contacted his attorney, who said he had a lot of trouble with Regions over this issue. He said a general POA is indeed legal, and the word "durable" was included in the body of the document. He called Cindy and read her the riot act, then faxed her the pages from the Tennessee Annotated Code about POA's.

He said the problem with Regions was that they took their orders from a legal firm in Alabama that knew nothing of Tennessee law. He told me I would be able to close out the box anytime. When I returned to the bank a few days later, Cindy said, "I still can't allow you to close out the box, but I'm going to make an exception since I talked to the attorney. " Apparently I was allowed to open the box but not close it out. I thought of calling the attorney back but decided to leave well enough alone. I closed out the box as my father had instructed. What Regions really wanted was for my dad to keep paying rent on the box, whether there was anything in it or not.

We had planned on using the tax credit to build our savings back up, but since we lost the house we didn't get it. His advice was to get a loan or a couple credit cards to bring our credit back up. We got a new car loan and waiting about four months, our credit is still shot and when we call the bank. They sound sorry and tell us they will do everything they can to make it right, then never call us back. My mother-in-law is a real estate agent in Maryland that did us a favor and called him to ask what had happened. He called her back and left a message on her cell phone saying he was wrong and shouldn't have told us to pay it all off at once and should have waited for closing.

I was then directed to file a dispute online, which I did thru the Unemployment Agency that issued the card to me. They said it could take up to 45 days to resolve the issue. I then called one of Regions main offices and explained the problem to them and the supervisor hung up on me. I then spoke to the Regions contact for the Better Business Bureau. She told me to contact the Unemployment Agency that issued my card (which is also issued thru Regions). But still no results. She told me to contact the Agency and have them expedite my claim, which I was told wasn’t possible. I was told that Regions has no way to reverse the charges.

When I contacted the collections department they said it was not in their office. No one can produce any information or a copy of the lease or any document stating that this vehicle was returned to them. Not only has my credit been affected but I have been trying to refinance my home and I need to show them something from Regions Bank Stating that this vehicle had been returned in June 2006.

I found out Regions provides $500.00 overdraft protection. The problem is they put through checks just when they feel like it. I wrote the attorneys I pay for a Citibank judgement, the bank returned it to them and now they are putting a bank levy on my account. I only draw disability pay and they are going to take all my income which isn't much.

If Regions Bank had put through the check like they do, all the others I wouldn't be having this problem. I get my check on the 1st and the teller manager would cash them after 2pm the last day of the month. She did that for 3 times, then I went another month and she wouldn't do it, said, she couldn't and it was a decision based day to day. Sometimes she felt like cashing the check and sometimes she didn't. Regions bank needs to be reported because they don't do the same thing all the time. It's whatever they feel like during the day.

She blatantly lied. When I called to confront her, she was unavailable. When I asked the assistant manager at the bank why she lied, she responded that they were under no duty to tell me about the fee because it was in the documents I received when I signed up for the account. They really believe that they can lie to customers and bury the truth in fine print. There’s not much result aside from a bunch of $15.00 charges.

A bank employee named Jimmy told me this was a returned check fee. I stated that this is not what the statement said. Returned check fee should have read $171.10 NSF not ODF. I also stated that $35.00 was rather excessive for a check that was not paid out. I got nowhere with this employee. A week and a half later, Winn-Dixie resubmitted the check and got their money. I waited a week to see if there would be a returned check fee from the store. A week after that the store turned in the returned check fee; of course, when I did not have the money in my account. Instead of declining this transaction, Regions let it go through and proceeded to charge me another $35 overdraft fee. This seems odd to me since the bank told me I did not qualify for overdraft protection when I opened the account. I then asked the bank how could someone else submit charges to my account and be paid when I did not have funds available, when I, the account holder, could not do this. I was told it was because they had my account numbers.

I replied I have my account numbers, too, to which I received no response. My request to have both fees credited to my account was denied. This was a total of $65.00 in fees for the same transaction. Another time I was told I could have overdraft if I had a savings account and the money to cover the charges in my savings account. This happened several times before. I noticed many ten dollar fees for transferring money from saving to checking. I was not told this when I opened the account. In yet another instance for the first two years with Regions, anytime I made a purchase with my debit card and did not have funds available the purchase was denied. I made a purchase at Fred's for about $25. When I later checked my balance, there was an overdraft fee for $35.00.

I went to the bank and asked why this transaction went through when it had never done so in the past. I was told that the charge went through because some charge was debited and the put back. They could not show this charge on the computer, though. In this final complaint, I tried to cash a reimbursement check for nineteen dollars on the Friday before Tuesday’s direct deposit. After waiting in the drive thru in 95 degree heat with the car off because I was almost out of gas, the teller tells me I can't cash the check because I was nine dollars overdrawn. They can let other people charge to my account when I do not have the funds available, but I the account holder cannot cash a check from the same company that sends my direct deposit, which they were to get in 3 days.

Okay, I will go somewhere else to cash it except the dingbat at the drive thru stamped and initialed the check. I went to two places that cash checks but they would not cash it because it looked like it was processed. I went to the branch on Noble Street and complained. The teller told me she would cash the check only if I covered the nine dollars I was overdrawn. Because of all that driving around, I ran out of gas in the middle of the road. When I went back to the Golden Springs branch to complain and ask why I was not given the same option I got at the Noble Street branch, I was given the excuse of the teller was new and did not even receive an apology. In my opinion, Regions Bank is as crooked and had worse customer service than Colonial Bank, where I had these same kinds of problems. I hope they meet the same demise as Colonial and go belly up.

Anyone thinking about using Regions Bank should flee in terror and bury your money in a coffee can in the back yard. It will be much safer there. Besides running out of gas in the middle of the road on a hot summer day because the bank would not cash a $19 check for an account holder, I am still trying to recover from all these unnecessary, and in my opinion, crooked fees.

When You realize this is happening it is the worse feeling because all you can do is wait until Monday and watch the charges pile up. a simple 2.00 or 3.00 transaction has cost me 30.00 at times. And if an automatic charge is coming out that Monday and you make a deposit you sill sometimes get an over draft fee for that because they count the deposit after the withdrawal.

Regions Bank is intentionally making you have more overdraft charges. I take responsibility for making mistakes at times like forgetting a check that had not cleared or thinking a deposit was coming in sooner than it actually did and I will pay the charges with no complaint but when they arrange transactions to make you have more overdraft charges that is wrong. In these times you would think that the banks would try to help their customers instead of ripping them off. Especially when they have been a customer for as long as I have. I would rather my debit be declined than to have to pay these charges.

I think it is time to put a stop to this and refund customers at least some of these fees that they have been charged for years. When we are having financial difficulty due to medical bills, prescription costs, and constant doctor Visits. We have recently filed Bankruptcy. I have had some of my doctor visit transactions bounce. Without these charges things would have been a little easier at times.

Their little error cost us $205 in NSF fees. Regions wrote our bank (Suntrust) a letter saying that it was Regions error asking them to reverse the charges. Suntrust is refusing to reverse the fees because it is not a Suntrust error. Regions is not returning phone calls now. Unbelievable! It has been two weeks since their little error and we are still out $205! What a horrible bank!

I have been told on two separate occasions that my fees would be returned and they only gave me half of what they took. I have filed the application paper work and need the rest of my money put back but I keep getting the run around because no money was lost. It's no different if you go and have a check stolen and they run it through the bank twice before you catch it because of NSF and you get charged each time.

I realize I have not stated specific events to support my discontentment with Regions Bank. I honestly have too many negative experiences to write all at once. I strongly believe that Regions Bank does not care about their customers as they claim. And frankly, I feel sorry for the bank employees that are trained as robots to disregard what is right or wrong and not care at all about a customer that has been faithful to them for so many years.

I have been a customer of your bank since late 2009. I have been very patient with the service I receive for many reasons that I must address before I approach my most pressing concern. Overall your packaging is very enticing for the small town of Eupora where I reside currently. It does not appear that you are unfair in your financial services and in fact it has an impressive outreach into the community with the diverse programs offered as benefits to customers.

However I never received a clear and concise explanation of the benefits aside from when I opened my account in Atlanta, GA. Some very simple mistakes I made caused some very serious problems with my finance and prior to banking with Regions, the company who assisted with my banking needs was always quite helpful in resolving many of the issues that may have otherwise been very damaging. I found it difficult to leave that bank because they worked very hard to keep me as a customer.

Needless to say when the economy collapsed, I was affected and closed those accounts and began a business plan I have implemented that would require that my accounting affairs be handled locally. Therefore, after much reservation, I chose Regions and was quite pleased initially at the polite and courteous staff in Atlanta, GA, who helped me set up the account to be used in my hometown of Eupora where some of the employees where individuals I had known most of my life.

As I stated previously, small mistakes lead to larger problems which escalated on Monday March 29, 2010, when I arrived at the bank to deposit a check in the amount of $2103 into two different accounts. I was assisted at the drive-thru window by a mid age and height white lady with shoulder length blondish hair whose name I do not recall. I normally visited the inside and was assisted by the same lady who I normally just told what I wanted to do and she filled out the forms and showed me where to sign and sent me on my way with a pleasant smile. The experience at the drive-thru window was not the same at all.

In her defense I believe she intended to assist me fully with my transaction and assumed she had done so when I returned to the bank to complain that I had not been fully informed about the transaction due to my lack of knowledge of bank terminology. The lady at the window told me that there would not be a hold on the check and I mistakenly assumed that to mean the funds would be made available immediately upon deposit because she had taken the check to review its origin. I have been robbed three times in Atlanta and I do not carry cash unless it is absolutely necessary.

At that very moment, it was not and I assumed when I needed cash later that day, I would be able to make a withdrawal from an ATM. I am assured she assumed I was satisfied with her service because when I attempted to explain my complaint to her, she spent most of her time laughing and fumbling through papers after I was told she could just reverse the transaction and do another deposit and give me the cash I needed. I waited almost ten minutes while she assisted another customer at the window and continued her search simultaneously.

When she returned with the check in her hand and gave it to me, I was stunned. I assumed the check was now the property of the bank and she was giving it to me. At that point I decided to end my complaints of a lack of assistance and customer service and close my account. I would not expect that from any professional and it caused me great concern that she would hand me the check without even discussing it with me. I waited another ten minutes for the Branch Manager, the mother of my high school classmate, to speak to me about closing the account.

I had addressed, had stressed on another occasion that Regions was not meeting my needs with my lack of knowledge in the bank industry. On the day we spoke about the service, I also informed her that by mid-summer I will have deposited nearly $15,000 into this account and setting up a two additional accounts with $1000 ea. I also informed her that my mother was a business owner and I would be assisting her with getting her accounts set up which would by years ended began a rotating capital fund of over $50,000. I trusted this to your bank originally because simply, it was local.

I decided that day it would be worth the hassle to just cancel my accounts and move back to the bank I love so dearly. However, I realize also this branch may not be the representation of Regions as a whole. If you will read what I have enclosed, you may derive as I have my experience that day was like an episode from the 60s. I am not an aggressor, however I was told by the branch manager for the second time that she was sorry I felt that way as she motioned for me to leave (the first being when I informed her of my business venture which would need banking assistance).

I was informed while I waited for Mrs. Bonita that the transaction was not able to be backed out and re issued because I did not return to the bank with receipts, however I am still not clear on why I was ever given the check again by the original teller and no one ever explained it. Of course when I was invited to the door, I got up from the chair in Mrs. Bonita's office where she was motioning to me and proceeded to tell her how disappointed I was that she would not allow me to travel the ten minutes it would take to get the receipts because my employees were waiting to be paid.

At which point I arrived at the front door where three police officers rushed pass me into the bank as though they are chasing a robber. The only person in the bank that did not work there was myself and I was horrified. The last thing Mrs. Bonita said to me was that she did not feel I had been mistreated and I could come back inside and talk about it if I wanted. I attempted to respond that I would pray that the God I believe we both love, handle this situation for the both of us when she pulled the door together and locked it immediately and fled away.

Regardless to where in this world you live, that is poor representation for a professional and I cannot imagine a company such as yours condoning such practices by senior staff at the branch level of your banking services. As you know moving my accounts, as these deposits are being made would be tedious and stressful. I contend your offices are not aware of the practices of this bank and hope this letter finds you diligently working on client retention in this area. My goal in sending this letter is clear.

Your representation at this bank must change in order for our relationship to continue. I never complained of being mistreated by anyone but the Branch Manager at this point, and at this point no one at your bank has addressed my concern and desire to close the account. I plan to make investments in this city over the next five years that will revolutionize the economy and I am dedicated to having it done. I find a huge problem in unwillingness to properly communicate with others from different backgrounds still exists and there must be change in the minds of the people for my plan to work.

We must have a local bank and at this point, Regions is far behind the mark with the level of communication needed to retain this customer base. This must be reconciled immediately or the reputation of this bank is in jeopardy for the sake of a lost time. Proof you want to remain a leader in banking in this small market would be that you retain the small customer. Let's see how you do with this one.

Regions charged me almost $2000 in overdraft charges and I had been a customer since 1983. I have spent so much time on the phone either on hold or with customer service, and they are no help. Regions then closed my acct and never even notified me. I am still trying to get them paid off and they call me everyday even though I am making my payments on time and corresponding with 1 person that handles my acct. Like I said, this has been a nightmare and I would never advise anyone to try Regions Bank for any of their banking needs.

Wrong! They have no conscience. The customer service guy told me that I should have used my check card at the vet instead of writing a check. They would not return the fee because it is just what they charge when you go over your balance. He may as well have said, "Sorry! We don't care about our regular customers, you know the ones that may be struggling to make ends meet. We only care about our customers that have lots of money in their checking accounts and plenty in savings in case they make an error." I really need to get away from Regions Bank.

I contacted the Clinton Branch of the Regions Bank, found out exactly what had occurred. I stopped off at home and got the pertinent copies of the pension deposits being exempt but the Branch Manager, Ryan F, seemed not to understand nor would do anything at this time. I finally got the garnishment removed by court order on March 24 but Regions Bank decided to charge me $2,100 in insufficient check charges for the checks I'd written prior to this event but were attempted to be cashed after the non-wage garnishment was activated and returned. Consequently, having no pension check for the month of March and the obstinant refusal of the Regions Bank, Clinton, IL branch, I was not able to make a mortgage payment, utilities, vehicle, water, critical medicines, other due monthly payments and now I stand to lose my house, car, and everything else I've worked towards for 35 years in this community.

I wrote protest letters during the evening of March 26 to the various Regions Bank offices and they should have gotten these. I have made an appointment with an atty. in Decatur, IL in reference to this tragic event and will have answers in the next few days. I've also proceeded processing a Chapter 7 bankruptcy as that previously mentioned was only for $167,000 from a catastrophic medical event several years ago. What really got me upset was the Clinton branch manager of Regions Bank lied to me and attempted to convince me it was all the Levy-Garnishment Department's responsibility. I called the Levy-Garnishment office in Birmingham and learned what the truth really was; it was a local call by the facility manager and not as so indicated to me by the Clinton Branch Manager who obviously trying to toss the blame off of his shoulders.

I asked as well as to what reasoning Ryan F was using to deny the return of the pension funds and with his distorted logic indicated it was not a bank error. I asked for his supervisor's name and he refused to indicate who that would be at the Decatur, IL main bank regardless of several attempts to inquire on this name since it was a secret! When a bank decides to do this to an extremely ill pensioner with severe medical conditions and shows no ethics or compassion in doing what is correct, then such a bank has no business in the financial world but doing what it does best - shy-locking the unfortunate client suffering from the aftermath of a brain aneurysm.

I requested the bank to share the pain; since they didn't explain the services and obligation (automatically enrolled her account in overdraft protection), didn't freeze account, and didn't notify her. This predatory practice (college students) is exactly why Congress passed recent bill, increase bank regulation. The bank failed in its fiduciary and corporate responsibility. Interesting to note that on the bank's website, the first two of five core values is "Do What Is Right", and "Put People First". The bank's core values ring hollow given its response. My request is for the bank to absorb $150 of expense, e.g., $150 refund. My daughter learned a valuable lesson. She works part time and lost $150.

Regions Bank is being deceptive by changing the due date for online access prior to the current billing cycle. Anyone logging into their accounts a few days shy of their due dates would see the due date for the next cycle, not make an immediate payment, and get charged a late fee. The bank uses the excuse that the early changed date is fine because it takes 7-10 days to process a payment. The 7-10 days is for mailed in payments. If I do a bank transfer the day before the due date or go into the bank and use cash the day of the due date, it still would be a valid on time payment. which I have already done many times this in the past.

I tried so many times to get in touch with the executives at the Birmingham office they now consider me unruly and have decided to close my accounts, this is fine by me since most of the Regions Execs are from Amsouth, and as an old Amsouth customer, I closed that account due to similar abuses by Amsouth. I was called about 7 days ago and told I would be given back the $29 and it never appeared. As far a customer service goes, Regions could not care less and even admitted to me they change the due date, which admits to me they abuse their customers. The upper executives have obviously approved this practice and want nothing to do with their customers and the customer service reps actually laughed at me for thinking I could actually get in touch with them about the problems. Waiting to see what the Federal Reserve has to say.

The circumstances leading to our knowledge of this are as follow: My husband had $1.00 left in our account at the end of the month. We are on a very fixed income, which is how the bank caught the fraud the first time, because our transactions monthly are very much the same. With this $1.00 in our account, he had seen a credit report available online for the $1.00 and authorized it taken for the report.

Several days later, he saw that this same credit company has hit our account for several $1.00 charges and also for a $59.00+ charge as well. He called the credit company, and they admitted to the fault, and they stated they are putting these unauthorized fees back into our account. Stuart contacted the bank, spoke with Sherry, and let her know all that was going on.

My check is for $227.00; his is over $900.00. However, both checks come together same time every month for years.

Yet, last month only, my check came into the bank, and the bank took the $175.00 of overdraft fees from it and then it sent my husband's check back to social security. The reason they did this was because of confusion over the new account and old account, even though we had called social security and given all new account information for them.

Yes, we have direct deposit. However, the bank chose upon their selves to take my check and place it into the old account which was to be closed, just so they could retrieve the $175.00 of overdraft fees, even though these fees also are not of our doing. We had to wait an additional 2 weeks for my husband's social security check to arrive, and I had no funds, because the bank took them.

Stuart contacted the credit company for reimbursement on the overdraft fees of $175.00. The credit company asked for the bank to fax them summaries to show that their hits to our account caused the overdraft fees to be incurred. We did this, though it took the bank several attempts before they sent exactly what they needed. Later, my husband, Stuart is now contacted by the credit company; and they stated that they stand on the belief that it is the bank's responsibility to replace the overdraft fees of $175.00.

When we contacted the bank to be sure they would return these fees, they denied responsibility and stated it is the credit company's responsibilities to replace the fees. And to this day, this has not been resolved. So to date, so far, we had to close an account and open a new one due to fraud, and the old one did not get closed by our branch.

I lost $175.00 in fees we do not owe due to the bank taking this money from my social security check they deposited into a account that was to be closed, and we are out of my husband's check for two weeks, because they sent his back! Now to add insult to injury, yesterday in the mail, Stuart saw that a non-check item hit our account for $396.88, and we did not have the funds to cover it. So we were charged another $35.00 fee!

My husband knew we did not authorize any such amount to come out of our account, so he investigated and found out it was the cable company--they had mistakenly requested the wrong amount from our bank account. It was to only be $157.00. Stuart called the bank yesterday and spoke with Carol and stated the error of the cable company and to stop payment, etc., so that the $396.00 doesn't go through again, because today I was to receive a direct deposit and we really could not afford for the bank to take this for another error! They did anyway! Not only for the $396.00 but the $35.00 as well, which left our account in the negative and destitute again!

My husband has a doctor's appointment across town he waited one month for, and there's no gas in the car. We had to call our church for a food donation, because we have a son/college student living with us along with our 15-year-old cheerleader and they need to eat! We are on a very strict monthly income, and all these errors, none of our own, have made us destitute until resolved.

And again, I do not understand how the bank could pay a $396.00 request from our cable company when they can see our normal bill each month paid and the amount requested this month should have been questioned just as they questioned the fraud that took place at the very beginning of our opening our account.

In fact, I don't understand how they let the credit company put all those charges through either, when they are not a part of our regular monthly transactions either. In fact, after our first fraud victimization, I don't understand why continued efforts weren't more aware to protect us but actually seemed to get horrifically worse!

The very first fraud was caught, because the bank stated that all those transactions were not typical with our monthly ones and caused alarms to alert them something was askew. Why not with a double cable bill or a credit online company randomly hitting our account? These should have by all means sent off the same alarms.

I am writing this to you now, for my husband has a very bad heart which is the reason for being on disability, and he is now having to lie down and take additional heart meds, because he has been under such stress over these issues with a corporation we thought we could trust but actually has screwed us more than even the fraudulent hits on our accounts by disreputable companies.

I am in the process of gathering enough participants for a class action lawsuit. If anyone else has had this occur, please email **@gmail.com with contact info if interested in participating.

When we returned from the mall, about 3 hours later, I called the automated checking system to double check my transactions and balance, which I frequently do after using my debit card. At that point, I realized that there was something wrong, as the automated system was reporting a negative balance in my account. I checked my receipts and soon discovered that I had accidentally paid for my department store purchase with the wrong card.

I was very concerned, and I pressed the option on Region's phone banking system to speak with a live Customer Service representative. I spoke to a "Lauren" and told her what I had accidentally done and asked her what I could do to rectify the situation. Lauren said that since I had an automatic payroll deposit going in that night at midnight, that there shouldn't be any problem, because deposits would be credited first before the pending charges. She also suggested that I might return the items and that would perhaps be reflected on my account as well.

After hanging up with Lauren, I immediately called the department store. I spoke with the store manager on duty, who was able to instantly return the merchandise on my Regions debit card and re-charge it to my department store card right over the phone. I then called the Regions customer service center back again and spoke with a "Yolanda". I asked her to please note my account that I was aware of my mistake and returned the merchandise as well as having an automatic deposit going into my account in only a few hours. Yolanda told me that she would not be able to note my account as "she was not allowed to do that". This was upsetting, but she also assured me as "Lauren" had that since a deposit was scheduled to go in at midnight that she thought no charges would probably be posted to my account for NSF.

In the morning, I called the bank again and noted that there had been a $75.00 NSF charge posted to my account. I called my Regions Bank branch next, fully expecting them to reverse this charge since I had never done this before in all the years I'd had my checking account with Regions. I have never spend money that was not already in my account since opening my Regions account.

I also felt the charge would be reversed because I caught the error so quickly and did everything I could to fix it immediately, including calling Customer Service and returning the purchase. My account was only short for about 8 hours and both customer service reps, Lauren and Yolanda, had said that there would likely be no additional charges to worry about given my direct deposit going in that very night and my excellent history.

However, when the bank teller refused to help me, I asked to speak with the branch manager, "Ben", who also refused to help me. He even went as far as to say, "Hey, it's not our fault you used the wrong card." When I insisted on speaking to his supervisor, he refused to give me his/her name or number. I asked him several times to give me the name and number of his supervisor and after asking him approximately 10 times to provide this information, he still refused and I had to hang up and go to the internet to research the Regions company hierarchy myself.

I then called the Regions Bank branch manager's supervisor, Ryan M., who said he was "the Executive Vice President and person in charge of the entire state", but getting him to return my calls was a fiasco. I left him messages every day for a week before he finally called me back. He returned my call after I left a message saying I was going to report my experience with Regions to the BBB.

He, too, refused to refund the charges and took the attitude of "Ha, Gotcha!" when I expressed my shock at a $75.00 charge. Rather than extend any kind of customer service to me, even in light of the fact that I have always kept my account in good standing over a period of several years, and that the Customer Service call center employees had a different opinion on how the deposit vs. the pending charges would be handled, he basically told me "too bad". He said I should be glad it was a first offense because I was only charged $25 per transaction and that was the customer service "favor", because in the future, it would be $39 per transaction. He would not take into consideration my excellent history with Regions bank and kept referring to the fact that "when you signed up for the account, you signed a contract." It sounds very much like the credit card companies' consumer nightmares one reads so much about in the papers these days.

His excuse for not returning my calls, which I left every day for a week, was "if I'm in the office, I'm not doing my job, so I'm out a lot," which is a pathetic way to handle a customer. If you're going to offer voice mail, then you ought to be returning your calls, or you aren't doing your job, either.

So, next I wrote a letter to Mr. William E. A., Executive Vice President of Retail Banking Division at Regions Bank Corporate Headquarters, 5th Ave. N., Birmingham, Alabama 35203. I outlined my case, told him that it was the first mistake I'd made with their company in all the years I had my account with them, that I fixed it immediately, and asked for my $75.00 back. I never got any response at all from Mr. A.. I simply got another call from Mr. M., who said he was aware that I had contacted Mr. A. and was calling to say that I would still not be getting anything back from Regions.

Apparently, it is more important to Regions Bank to penalize their long-term customers with exorbitant fees for minor, one-time mistakes than it is to provide good customer service and retain the customer's business. I was charged $75.00 for a negative balance of about $100.00, which was corrected within 8 hours. Hmm, pretty good scam going there, to get around 75% interest on what amounted to an 8 hour loan.

I guess I should have known Region's Urbandale, Iowa branch was not high on Customer Service long before now, because of an incident when I came to the drive-up window a few months ago, it was right around 5:00, closing time. I just wanted to drop off a deposit. I could see the drive-up window was still open and could see the teller as I drove into the parking lot, and I assume that the teller could see me coming as well. When I got to the window and was looking in, rather than greet me and let me know if she would still be able to help me, the teller ducked down behind the counter right in front of me, and putting up just her arm. She reached for the mechanism to close the blinds and closed the blinds right in my face while hiding herself below the counter!

I feel very disrespected by Regions Bank at every level from the local branch up to the corporate headquarters, and I believe this kind of customer care is completely unacceptable. I have since closed my account with this bank and would not recommend anyone doing business with them. I noticed on-line that "In J. D. Power and Associates 2008 Retail Banking Satisfaction Study, Regions came in last in customer satisfaction in the Southeastern region," so beware!

Apparently, it is more important to Regions Bank to nick a customer for $75.00 than to retain a long-term customer.

I went home and called the number on the debit card and told the man what had happened, he looked at his computer records and said that indeed the money had not been given to me and that it would be cleared up by the next day. But until then, the money I had tried to access would not be credited to my bank account. That was okay, no big problem. But I had been a customer of that bank for over 19 years and I had seen employees of the bank walk out the back door of the bank and unlock the ATM many times to service the machine.

The next day, when I checked my account online, nothing had been done. I called the bank here in town again, and was told I needed to call the debit card customer number again. When I called the number again another man answered and checked my account and could find nothing about my call the previous day. He asked me if I had discussed the problem with my branch bank, I told him that I had. He then informed me that I should have had them take care of the matter in the first place.

It was 2 days before Christmas and one day before my granddaughter's birthday. I was getting more and more unhappy. My bank had changed owners a month or so before this had happened, and most of the employees I knew did not work there anymore. I make it a point to treat employees at the places I do business with respect, and the employees at the branch bank were respectful of me also. When I talked to the employees at the bank, I explained that it was 2 days before Christmas and I really needed my money so I could complete my plans.

They were polite and the manager told me he would give me the money I had tried to get from the ATM that day, but it would indicate that my account was overdrawn until the bank could get their paperwork corrected. I thanked him, took the money and signed for it. I still had more of my money in the account but with the ATM withdrawal having been withdrawn on record twice and the overcharge amount applied, I could not touch the rest of my money until the bank had settled their mistake. I assumed it would only take a few days to get the matter cleared up. Wrong!

To make this as short as I can, the day I went in to sign the paper so the manager could give me the money to help me finish my Christmas shopping, he did tell me as I was leaving with the money in my little hot hand that it would take at least 10 days to get my account in order. At that point, I told him that I realized that he and his co-workers had been very polite to me and I did not blame them, but when it was over, I would be closing my account.

It took 16 days, until the middle of January to get my account straightened out. During that time, I received mail from Regions telling me that I was overdrawn and that I needed to take care of it ASAP. I could not use the remaining money in my account because "on paper" it did not exist. Beginning January 1, I began receiving automated calls from Regions several times a day telling me to take care of my overdraft immediately. As soon as I could close my account, I did. Some poor woman from Regions, probably in a state far from Arkansas, called me to discuss my overdraft. I asked her if the call was being recorded, she said that it was. I said "good" and proceeded to unload every irritating detail of my ordeal. I did advise her to find a job with a reputable organization. She had no sense of humor.

My Christmas was not as happy as I had envisioned it to be. A few gifts had to be left in the stores. I am disabled, I have a serious heart problem and it is getting more and more difficult to park and walk into the bank. There was no damage done. However and if it had not been Christmas, getting mad and standing up for logic against "that's just the way we do things now" mentality wasn't so bad since eventually I did win.

On January 15, I made a sizable deposit to our other checking account at Regions. Yesterday, I received a letter from the bank that was dated January 17 (a Sunday). The letter stated that because they could not verify my husband's social security number, the bank had placed a hold on both of our accounts. The letter also indicated that all checks drawn on the account would be returned unpaid and that we would not be able to withdraw or deposit funds until we provided them with the social security number.

So this past week, the bank has returned all of the checks that I wrote and the online bill pay. Until late yesterday, I had no idea that they needed any information as we have had accounts with this bank for over 10 years and provided them with driver's license and such when we opened the original savings account which they recently closed. So now I have several returned checks while I cannot access my funds.

I pretty much feel the antonym of thanked and it's disheartening that I have to adamantly protest a bank I've had no qualms with over the years. I have been with Regions for several years now and put quite a bit of money through my account this past year, with never even a fee charged to my account. Normally, when someone I know speaks of their bank, I usually say Regions is pretty good to me, haven't had a problem. Now, that statement will change and I am forced to leave the bank that I have become accustomed.

Apparently, Bank of America senses your customers' frustrations and came up with a plan that will hold your overdraft for up to five days for you to get money in your account, makes me want to start a website devoted to showing the pros and cons of you versus other banks. What's the saying, "it costs 10X more to get a new customer than to keep a loyal one"?

The next morning, not only did I have the $350 charge gone through but also my charge for my car insurance. I called and spoke with Brigitte on 11/13/2009 who began to explain to me the physics of banking. She advised that when I swipe my card through vendor as debit, it automatically sets that amount aside from by banking funds for that amount. So on 11/07/2009, Caposeys caf requested the amount of $22.05 in which based on the customer service representative’s information should have pulled from the available funds of $259.57. But since there was a pending debit from Midland on 11/10/2009, that debit request exhausted the funds? My question was if there were funds in the amount of $259.57 on the 7th, then they should not be charging me an overdraft fee of $35 when there were funds available and that merchant had requested a debit to my account in the amount of $22.05 on the 7th three days prior to the debit request for Midland.

So in essence, she contradicted herself by saying once a debit is requested, the funds are withheld the moment they are requested but only three days later when larger charges remove all of the available funds for the smaller charges that would have cleared? This reminds me of a news report I heard on Bay News Nine where the banks were controlling the timing of charges hitting to where the smaller charges would not process until larger charges so as to deplete any available funds compounding the overdraft fees. Please look into this issue and provide any feedback on the rational of the banks processing procedures and/or shed any light on the bank’s fraudulent or untimely processing of claims for their benefit to collect as many overdraft fees as possible.

This is where the problems begin and multiply. Since we removed all the funds and there were pending transactions that were fraudulent, the bank said that they would give us a credit for the transactions while investigating the related charges. As it turned out, the bank did indeed conclude that the charges were not made by us and they received their money back from the companies and/or individuals who placed the charges to our account in the first place. Meanwhile as they (Regions bank) were doing their "investigation," they were the whole time charging us, the victims of the fraud, overdraft fees and compounding them because they decided to pay the companies anyways, despite the fact that we told them from the beginning the charges were fraudulent.

Regions charged us $275 in fees for being victims of fraud! After hours and hours on the phone and going to the branch office, we were told they would "do us a favor" and charge us only half of the fees. We asked why the fees were so high and they told us first that they did not not recoup all the money from the fraud and we were repaying the credit they gave us. Only after making them explain every single charge did they determine that the charges were not from the credit they gave but were fees the bank was charging us for giving us the credit! We thought this was ridiculous! We didn't make the charges in the first place. We tried to close the account before the charges went through and weren't told that any fees would be on our account because of the credit they gave us!

Why should we have to pay anything since none of this was ever our fault? We called again and again trying to talk to someone who had authority and that's when we were told they made a corporate decision to charge us the fees and that could not and would not be reversed. We asked for the person that makes that decision and were told they could not be reached and hung up on us.

Then came the endless phone calls, the phone calls telling us that our account was overdrawn and that there was $275 owed to the bank. While on the phone, we tried to tell them what happened, the fraud, the investigation, the incorrect overdraft fees. .. they did not care. In fact, they said we had 5 days to pay up or they were basically going to "blacklist" us so that we could not open another account with any other banks. They said they would attach a note to our account that tells all other banks not to bank with us because we do not pay our bank fees.

How absurd! Since when does a bank act like the Mafia? When it comes down to it, I guess Regions and its corporate office are in the extortion business as well as banking. My two cents, never ever bank with Regions.

It wouldn't have cost me anything if I had deposited the check and it went through all the hands and systems required for outside processing unless the check was bad and that is the rub. If the check was bad, I would have had to pay fees through the nose and so would Regions' customer. Yes, the check was good at the moment I went into the branch, but if I had deposited it at my account, it might be several days before it fully processed, during which time the check could have bounced. But the check was good. They are the custodians of the customer's money and receive compensation for processing the customer's account transactions, so they should fulfill their duties and cash the check without fees regardless of whether it was presented in person or through a clearing house.

Since I have no real need for this account, I called and told them I would be going into my local branch and closing my account the following day since they felt that a loan of 19 cents entitled them to charge me $33.00. They offered to cut the NSF in half, which I accepted since. After all, I did over draw my account. The refund was made and I covered the old amount with a deposit. Not done yet...This Monday I checked my account and found that for being overdrawn by $0.02 (that’s right two cents), they again charged me $33.00. I do nearly all of my regular banking with my credit union and had decided that I have learned my lesson with Regions, so I went in to my local branch on Greensboro Road here in Antioch, TN to pay my "Stupid Tax" and close the account.

It is here that I met Mr. **. I told him that I was there to close my account due to the fact that Regions felt that $33.00 was a fair charge for the 1-day, 2-cent loan that they made to me. He explained that I should have come into the branch and talked to them. He explained to me, “Banking is about personal relationships." So I asked him the following: "So you are telling me that if I had come in here and talked to you, Regions would not have charged me $33.00 for a $0.02 overdraft since we had a relationship?" Of course, he could say nothing other than "No" and I knew this.

The point that I was trying to make to him was that it was a ridiculous statement when it is obvious that Regions cares nothing about its customers when they feel it is not highway robbery to charge their customers $33.00 for a two-cent loan. This, to me, is more indicative of a company that is solely out to make as much money off of its customers’ mistakes as is humanly possible. Anyway, back to the story. So, I tell him again that Regions would get their $33.00 for the two-cent loan they made me, but it would be the last $33.00 they would make off of me and that I was there to pay the balance in full and to close the account.

Mr. ** then proceeded to mumble something about giving him $33.03 and that he would "take care of it tomorrow". Now, here is where I should have paid closer attention. It did not occur to me that he asked for one extra cent. I gave him the money and he wrote out the deposit slip. I asked him again, "So you are going to close the account?" To which he replied, "I will take care of it tomorrow", of course, never stating specifically that he would actually close the account. In my naivety, I actually trusted him, which was my mistake. He was very polite as I walked out of his cubicle and bid me "good evening" with a pleasant smile on his face.

I walked out of Regions content that my account would be closed "tomorrow". However, later that evening, it occurred to me that he asked me to pay a penny more than was actually owed. It then occurred to me that he also did not give me a receipt, which showed that the account would be closed. Being the trusting soul I am, I figured… Well, I will wait until tomorrow and see what happens. Tomorrow came, and not to my surprise, the account was still open. I phoned Regions customer service # and spoke with a phone center rep (who was actually very nice).

I asked him if his computer showed my account due to be closed anytime soon and he, of course, said no. I explained the situation and he quickly apologized and offered to close the account for me if I... Get this... would forfeit the $0.01! Un freakin’ believable! So get this straight people! If you make a mistake and end up owing Regions 2 cents, you had better darn well expect to pay them $33.00 freakin’ dollars! No mercy whatsoever... But if Regions owes you $0.01 or $0.02 due to the blatant dishonesty of one of its employees… well, gosh… Can't you understand that it's just a penny or two?

At this point, I was so disgusted that I just told them to keep it and that I was done with Regions for good and that I would tell everyone I knew about what I had experienced. The customer service rep apologized, to which I said, “I am not angry with you. I am angry at Regions. You just work for them...” He suggested that I call the branch manager and tell her what happened. Of course, I did. She apologized. I am done with them. Someone else said it and they are right. If you want things to change, leave the bank. Don't stick around. Smaller community banks or credit unions are the way to go. Leave the Regional and Mega Banks alone. They are wolves in banker’s clothing.

I checked the balance today, and there are 3 overdraft fees. This isn't the first time this has happened. What they have done was they allowed the larger amount to post first so that everything else that posted got hit with a fee. These other 2 items were already pending, and yesterday, it showed there was enough money to cover those items.

Today is a different story, since they allowed the larger amount to post first. I now have all these other fees that I shouldn't have. It sounds like a scam to me - just to get more money out of a person. They also allowed an unauthorized charge to go through once and did nothing about it. They said since we had used our bank card with them before, then they had no way of knowing. So there went another $250 out of my account. I'm sick of this. I will be closing my account!

I would like to know the bank just check the customer’s money and doesn't check the money they put into the ATM machine. I know there's no proof that I didn't change the money after withdrawing money and putting them into my account. But I just put them into my account, and I am a customer using the Regions Bank. With common sense, people can understand my situation. If it is my responsibility, do I have to check the money from an ATM machine all the time to prevent this from happening? This is not reliable for a customer like me to use the bank. I have all the printed receipts on the day.

I had to call the merchant myself and of course, the merchant didn't have any information and couldn't locate the transaction, even with my credit card number. I called back Regions and told them all of this. I asked them how they could charge me if they didn't have a telephone number or any way to verify the merchant (for the first charge) and for the second, how could they charge me if the merchant couldn't verify the transaction? Once again, I was told to wait for the charges to post to my account. I immediately called the police and filled out a report.

On Friday (three days pending), the charges finally posted to my account. Two other charges for "international services" were on my account. These didn't pend at all, they just showed up. All during this time, they were supposed to have closed the card, but from talking to the person on the phone, they didn't do this until Thursday, when I called. On Friday, I went and filled out the form to dispute these charges. It has now been 6 days. I haven't had the charges credited back to my account.

I filed a claim in person at the local Regions Bank, on Biscayne Blvd. and NE 36th street Miami, FL on 8/14/09. The money should have been returned in 10 days which is the period it takes for the investigation. In calling Regions 800# on 8/26/09, I found out that the Regions Bank branch manager did not report the claim until 8/24/09! So, we had to wait 10 more days from the date the claim was reported to see any amount returned to our account from the two fraudulent charges. In the meantime, our account was overdrawn and incurring NSF charges. We put some more money in to make sure the acct. had money.

On 9/4/09, only $200 out of the total $400 had been refunded to our account. When I called, the Regions rep. told me that the branch who reported the claim (Biscayne Blvd. and NE 36 St, Miami, FL) only $200 were filed in the claim, an amount which is incorrect and insufficient. I called today again today, Saturday, 9-5-09 at around noon, and I found that the bank was holding $400 from my funds, from an "unknown" reason. They were not able to help me; they told me the department which debited my account was not open to explain what the debit was about.

The rep. told me that maybe it had to do with the claim and that they might have found out that there was no reason to return me the money. But how can they hold $400 for the weekend, and until Tuesday because Monday is a holiday? Even if the claim was not valid - meaning that either my mom or I were in Arkansas and in Miami the same day, and the next day, and the next, as there are other transactions made by both in Miami during those days, including going to the bank on the 14th - they only reimbursed me initially $200 so how can they debit $400 from my account without explanation. Can banks do that? Take a customers' money without explanation? They are now $200 richer without my consent.

What is worse is that the transaction has no explanation and the customer service department was not helpful at all. They were courteous but firm in that they could do nothing. Not even the manager could help me, do a credit, didn't have access to the explanation of the charge done by the bank, only kept repeating they didn't have any information and that I had to wait until Tuesday to talk to the dept. that did the actual charge. The department that did the debit was open to actually put the charge on my account today but not open to explain why they had posted those charges.

I will file a complaint with the local authorities as well. I will file a police report regarding the fraudulent transactions and the unauthorized $200 debit that Regions took from my account. I have been wasting my time calling the bank every day. They are not helpful. They say they are going to do something. They tell me, "I will file the claim," take my information down, and then nothing is done. I only find out because I am checking my account everyday and calling everyday.

I am exhausted. I've wasted my time in numerous calls. Their customer service reps have been ineffective in handling my complaints and have only worsened the situation. I am now $600 under! What is worse is they feel they have the right to take my money without explanation! I do not have access to those funds now, even if I needed them for an emergency and I have to wait the weekend.

On Thursday, I checked my account to find that the regular payment was posted. The principal payment was divided into a mortgage payment and a principal payment. Then, the payments were reversed and my principal payment was voided. Now, I'm out $50,000 as they have cashed my check, but are not reducing the principal still owed. I have called the branch manager and left a message but have not received a call back. Please note the original mortgage payment and principal payment were paid within minutes of each other on Monday morning. In close to 50 years dealing with banks, I never have seen one so disinterested with the customer.

Now they've done it again; I had $45 in my account, so I only used my card for little things, like $5 in gas here, several Redbox $1 video rentals there. Each one, it turns out, generating an NSF because of an error in the bank's bookkeeping. They pulled the same check out twice. I'm just a fool for staying with the bank after what happened last Christmas. I just thought they would treat a customer of 18 years better than this.

I am sick of Regions! They find every way they can to take advantage of their customers. I have an account at a credit union and will be closing my account with Regions. How can they charge us the day before?! I asked the lady about this and even told her it did not make sense, because in the past if I had an automatic draft come through and caught it online before it actually cleared, I could deposit money to counteract the NSF fee. She said that it still could be done that way, but you would have to deposit with cash and not a check. It's just another excuse to keep the consumers confused and take their money. I do not see how it is legal for them to charge us NSF fees 24 hours before the debits actually clear!

The bank charges fees that I can't afford in these bad economic times. They've put me on the verge of foreclosure and repossession, on more than one occasion. When the statements are examined, they appear to say “we screwed you, and you can’t do anything about it”.

The young man assisting me at the local branch was doing his best in trying to help but the cold bureaucracy of Regions is apparently ingrained in upper management. After being on the phone numerous times with numerous people that day, I got no resolution. Of course the mortgage payment hit, and I was overdrawn by over $600. I called once more and this time spoke to the branch manager, who was also nice but helpless to do anything for my plight. I've since learned that is many banks policy to credit the account back and withhold a small fee until recovery. Regions doesn't care if a customer has no way to buy gas, eat or do anything even in cases of obvious fraud.

So I am done with them. I am seeking a smaller operation where the policy doesn't rule over common sense when a customer has been victimized. Consequences: financial loss. There’s no way to pay for basic necessities so I had to swallow my pride and borrow money from my aged parents who are on a fixed income, all because someone stole from my account.

He was extremely hostile and rude. Then he said in a louder than necessary tone, "I made a mistake, all right? I assumed you wanted to close it out." Since when do the words "I want to make a withdrawal" mean close it out? How dare a banking employee assume what a customer wants? That could be disastrous. ** continued to be rude. He finally told me he would have to issue a new CD. He acted like it was a lot of extra work and it was all my fault. It's not my fault if he doesn't listen. I found his manner to be rude, hostile and condescending. I will never do business with him again.

So, I asked her what I did in the meantime because I have bills to pay! She said there was nothing she could do. So, on Monday, I went to the bank and, the teller was not there! I spoke with the head teller, and she said that the check got lost in "la-la land" but that it will be deposited sometime today (Monday). I waited and waited. After 4:00, I called the call center, because my check had not gone through yet. The CSR was rude and said that my check would not go through until midnight because that is when their posting period is. I asked him why the teller did not tell me that, and he said that he did not know and that he could not help me. I would have to wait until the next day. On top of that, he refused to give me the branch phone number for me to call them because they were closed!

I am so aggravated that I put my trust in this bank, and, once again, a bank messes up!

On Friday, 4/17, I logged on to my account via Regions online banking and imagine my shock to see an item in my ledger from Charter Communications. The check had gone through. I showed the ledger to my wife, and she immediately called Regions Customer Service. She spoke with a representative named Michelle **. After speaking on the phone with this woman for over an hour, much of that time spent on hold, she was informed that the order was ineffective because we did not fill in the amount on the online form, we would not get our $36 back, that they could not reverse the payment to Charter, and that there was nothing they could do for us. They pretty much blew us off, to tell you the truth, and did not seem to care that we were threatening to withdraw our accounts.

Well, that's exactly what we are going to do. We are just one account, just two people, but when we, as paying customers, ask for a service to be performed, we want it performed. If you fail to perform the service we pay you for, we expect a refund or at least a good faith attempt to make it right. We're just old-fashioned that way I suppose. Maybe they will not miss our business, and that's fine. We certainly won't miss their outrageous fees.

I can also attest to the other stories here about Regions stacking the ledgers of checking accounts to cause overdrafts for account holders who are living paycheck to paycheck, like we are, unfortunately, at the moment. This same week, we had an overdraft, supposedly due to my wife's $6.19 lunch tab on Thursday, but we had $31.55 in our account. My statement makes it look as if the NSF charges are what actually made us overdraft. Can someone explain that to me? Apparently, they think we are not entitled to one.

Adding insult to injury, just today we received written confirmation of our Stop Payment order. We are done with Regions Bank, and we will tell our story to anyone who will listen from here on out.

Bottom line is that I think it’s an attempt to cut out my salary. Just like how they announced they wouldn't be matching our 401k contributions until further notice two days after Dowd Ritter was given a large amount of stocks as a bonus!!! I can’t wait to see if my account is debited after my last paycheck is deposited for the 3 sick days I have used since the first of the year. They have done it to 5 previous employees claiming that they had not worked enough of the year to accrue 3 sick days!!! Can anyone say UNAUTHORIZED DEBIT?!!! They deposit the full amount of your normal pay, and then they take it upon themselves without any notification to DEBIT YOUR PERSONAL CHECKING ACCOUNT for the amount they feel you were overpaid!!! They will even take it if you don’t have it and cause you to be overdrawn!!!

Is that legal??? Isn't that taking advantage of the situation??? If some other company tried a stunt like that, Regions would do an affidavit of unauthorized transaction and give you back your money within 24 hours. HELLO, is that not the same thing??? I am actually hoping and praying that they are that stupid and they do that to me. Can we say class action lawsuit??? I know of 5 ex-employees that this has happened to within a 20-mile radius of me, and I am in the middle of nowhere in the country!!!

What I don't understand is that I had already taken it out of my account, (how many times did they take it out of my account?) so no matter what, when it was released, the money should have been there. The point of having a debit card is convenience. My best friend works at Regions and has told me that they hold debit transactions and run them through again, often after other purchases have been made, throwing some accounts into the neg. They do this in hopes that the consumer will think that they (the consumer) made the mistake with the math.

So I mention this to the CSR who said I was wrong and did make a mistake in my subtraction. I said I did not. Mysteriously, the next day the original amount of $74.00 is back in my account - and I am still waiting on them to reimburse me the OD charges. I am closing my account with this bank and going to join the credit union at my place of employment.

I hope that he finds this website and reads this complaint because he has a very valid lawsuit. The call was at 8:54, approximately on 2/2/09. He spoke with a lady named Kelly in the bankruptcy department and I have many more details. I wish that I would have paid more attention at the start of the conversation so that I would have gotten his name and phone number, but I was too busy being irate at the fact of being on hold for over an hour. I don't want to disclose too much of his story, but I know that he lives in MS and drives a Mustang, which he has his whole life invested in. Kelly informed him to file CH 7 because they wouldn't be able to do anything to him.

When I called back and spoke to Kelly about what I had overheard, she was very concerned. She put me on the phone with her manager and I told him what had happened. He simply swept it under the rug and didn't seem to be that bothered by it. Of course, I guess I should be proud. They took away the $20.00 phone payment fee. Woohoo! I just overheard a conversation which causes a breach of confidentiality. My question to them was simple. How do I know my information is safe? He couldn't give me an answer after what had happened. I contacted a lawyer after the conversation and I hope that guy reads this and we both can have an opportunity of a lifetime.

Mind you, we are talking about transactions less than $20, gas $8, ice $2.35, $15.00, etc. After dealing with bank managers, local and for the area, they said, "Get in line to sue if you want to." We will continue to do banking in the way of withdrawing transactions before depositing transactions. Regions is not a bank! It's a scam! I define a bank as a company that holds funds and releases funds "when I ask to do so." They have treated me rudely and dropped my calls, transfer me back to their main line to start all over again. This has happened countless times since the merger with AM South. Regions is the poorest quality run company I have ever had the misfortune of ever having the displeasure of ever banking with! Thank you, Consumer Affairs! I wish you had as much clout with banks as the USA treasury and the NICA.

On one occasion I was withdrawing $300.00 out of my account using the ATM machine located at the bank. All I got was $20.00. They made me wait 2 weeks to get the $280.00 that was deducted from my account. They took all that for overdraft charges when it was their fault. I received a letter threatening to close my account because I was over the limit of what they allow, I checked my account on the date they say I was overdraft and I was in the plus. If I was overdraft it should have been about $317.00, they said it was $614. There is no way, but yet they won't tell me where the charges came from. This was on 12/22/08.

This year we received a bill for $30.00 for a maintenance fee for our revolving credit account (overdraft protection attached to the checking account). I ignored it since I knew we had closed it two years ago. I eventually paid it to get them off my back but they reported me to the credit bureaus and put a mark on my credit report. I reported them to Creditreport.com and it was taken off all three agencies reports. I received a check this past week for $30.00 from Regions. I will never do business with Regions bank again. I do not see how they stay in business with the tactics they use. After reading all these reviews, I don't see why someone has not done a joint lawsuit against them. Shame. Shame on you, Regions Bank.

I then went to nearly all of the banks in Huntsville, AL to find these postings and could not. I did finally however, find a notice posted on one teller window on the other side of town. The notice was posted on a piece of paper (cardboard) that was about 1 1/2 inches wide and approx. 7 inches long. The background was BLACK and the tiny text was GOLD in color. This black and gold piece of paper was posted in the corner of a tinted teller window. Even LOOKING for it, I could barely see it as it just blended right in.

That was a very sneaky business practice, but then again just think of how many customers have had to pay overdraft fees because of their change in policy? Because of a "pending" auto payment and do to them paying out funds in order from LARGER to smaller and not in order they were WRITTEN, I ended up with 2 rounds of overdraft fees. One for $68.00 and another for $195.00. The 2nd set of OD's were BECAUSE of the first. The person I spoke with in one of the offices inside the bank dropped the $68.00 OD but took nothing off of the $195.00.

I was very upset about this and had mentioned it to a teller that I had dealt with most of the time. One that did not have the material posted on her window as there was no material posted in my branch at all. She had informed me that the tellers were always told to "TAKE THEM OUT OF THE WINDOW". Was this a shady, sneaky practice or what? Apparently they were in the business to rack up as many overdrafts as possible. I considered that to be "THEFT BY DECEPTION", as they were being very, very deceitful about the change in policy.

I was going to close my account, but Regions is the only bank that's close to my house, my job and my daughter's school. As money is very, very tight and I have to plan all of my trips, I simply cannot afford to drive to a bank that is further away. I see a lot of people on your forums saying to "not spend money you don't have", etc., etc. But I, like many, HAVE to spend money that I SHOULD HAVE available as my bills will not wait until THEY decide to release my funds. If I put a payroll check in on Wednesday, then I do EXPECT to be able to pay a bill on Thursday. I feel that so long as I remember that they SUCK and will sock it to you any chance they get and be sure to play by the rules, and not spend any of my money until THEY decide I can, then I will be okay. But every now and then they still get me. REGsouth SUCKS!!!!

Another associate agreed to sign off on check and made the funds available, transferring the funds to my DBA account, savings, and new checking. I was told there was no hold on check and all funds were available. I was also told that if there was a problem I would be contacted by telephone (I was never contacted). A few days later after receiving my ATM card, I tried to make a withdrawal w/ card to activate it. Insufficient funds flashed on screen. I contacted Bank and was told a hold had been placed on check by back office probably due to fact my DBA account was overdrawn. It wasn't overdrawn when this all started but payments made after $5000 was supposedly transferred to it had placed it overdrawn.

My statement on new checking account did show -$20,000 it now shows -$11,130 over $8000 have disappeared. My DBA is still overdrawn, nothing is showing in savings which was supposed to be available to cover checking account. I was told they were looking into it, but I would be liable for overdraft charges. Over the years many times my account has been charged overdraft charges when I thought there were funds available. The way Regions holds checks back does not post deposits and runs checks through when account is low makes it physically impossible to balance account. One thing it does do is create enormous revenue for Regions Bank, because they have millions of customers and I'm sure this happens w/ most of them. It also cause enormous stress and aggravation for the lives and families it impacts. This does it for me, I'm going in! It's not going to be pretty. I doubt I get satisfaction without court system, which is to their advantage, so I'll probably withdraw what I have left and go elsewhere.

When my direct deposit went through, I was negative $560 and some change. I couldn't believe it. Screamed for my wife - (her being a bookkeeper) asked her to review, of course she couldn't make heads or tails of the entire situation not for sure if it was the tears or the shock. She quickly grabs the calculator goes through our records - then the online register - then prints out a bank statement. Back on the 22nd of Oct, Regions charged us $105 in NSF when we had a positive of $14.99. Granted we knew it was going to be low. On the 23rd a debit charge of $9.03 was posted and yet another $35 NSF was charged. On the 24th my Direct Deposit was posted, and the negative was with drawn. Now on the 28th, I was charged $280 in NSF then on the 29th another $70 in NSF and on the 30th yet another $70 in NSF!!!

I am not a rich person, my wife and I happily live just a little better than pay check to pay check, but only by sticking to our budget. My entire paycheck for one week went straight to NSF which clearly snowballed only because of the $105 in the beginning. So my wife and I, race to the bank before they closed. Make it (my wife is fired up with foot tapping - when she gets like this she usually doesn't give in so I thought, "I sure wouldn't want to be that teller). We get in the bank, my wife whips right past the tellers and straight to an office, tells the lady our situation and wants her to review our account.

The lady does, and then explains that it was pending charges, and we should pay extra special attention to those pending charges. My wife left her no way out, explaining how good you charge NSF on a positive balance. The woman does not proceed past pending charges. My wife explains that when the $105 was applied that our negative was only $90. So that itself shows their mistake. But nope the woman is still blaming us and pending charges. Now I do not have any money at all. I am outstanding $51 to Regions, with 2 other checks coming through. My records show I should have $667 to the good. I worked an entire week for nothing. Only to pay Regions who is suppose to be working for my money.

There has to be something legally we can do. But how can we afford it now? I have no money for food for my children, and not for sure how I can even afford to get to work for a week. Not to mention the bills that are due on the 1st. I am closing my account this is for certain. I am going to see the Branch Manager Monday, I will get my money back so sort of way. I have to. My family will not survive!!!

Now, they are directed to NEVER do that again! It is a command from the higher ups! I work hard for my money! I tried very hard to keep all my bills under control. Now I have credit card fees that are out of this world and have been canceled, late lights, water and gas bills... can't buy food, and Lord forbid that I try and get to my account online!!! You can't get money out of the machine behind the bank, check on your balance, or use your bank card to even get money!!!! I feel very used and abused!!!!