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Overcharging nsf

Complaint Rating:  91 % with 11 votes
91% 11
Contact information:
2211 highland ave
Birmingham, Alabama
United States
Phone: 18887977711
I have paid an unbelievable amount of insufficient fund charges every month I have been with this bank. When I make a purchase and the bank does not post it for weeks and I might make a withdrawal from an atm, the next day they will post up to ten charges that might be 2-10 dollars and charge me 35 dollars each. I think that is very unethical and everyone that this is happening to should file a complaint. This could possible be against the law. If anyone wants to join me in trying to solve this unethical, possible unlawful doings you are welcome!
Complaint comments Comments (14)    Updated: Complaint country United States Complaint category Banks


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N  26th of Jan, 2008 by    0 Votes

BancorpSouth Bank - Taking money from my account
BancorpSouth Bank
United States
Phone: I-888-797-7711

Taking money from my account every month sometimes 2 to 3 times a month.gives a phone no and a website which is fraudulent..no such of either.they took out $149.95 then $99.00 now they take out $14.95 every few days i would like this to stop.i am on a fixed income and also disable.. I don't need this. Thank you
D  1st of Jun, 2008 by    0 Votes
Why are you complaining about being charged an overdraft fee when you had no money in your account??? If you didn't write checks when you didnt have money to cover them you wouldnt have this problem.
N  27th of Jan, 2009 by    0 Votes
If my checking account was closed without previous notification, what cause of action do I have?
A  29th of May, 2009 by    0 Votes
They didn't post my deposit for 2 days and charged me hundereds of
dollars in nsf fees. I called their 888# first and the deposit was in pending transactions and my account had a positive balance. Then
I was hit with all these fees.

Somehow the deposit disappeared and posted 2 days later. By law they
are suppost to post credits before debits and they were doing the opposite. It's a scam to rip off the consumer and I hope they go to
congress with this one.
N  17th of Sep, 2009 by    0 Votes
Bancorpsouth does post all debits before credits. If you do a inter-bank transfer (transfer money from a savings account into a checking account) they will not even post this for like 2 days. It is quicker for you to actually go to the bank and withdraw your money and physically deposit it than to do a transfer. I had a 10.00 check that came thru in the am, that same day I deposited 1000.00 because I did not make my deposit before the 10.00 check came thru...it was still several hours before the 2.00 pm cut off time, they still charged my account an extra 32.00 overdraft charges. I think that what they are doing is very unethical and I am going to file charges with the attoney general of mississippi. That is where the main branch is located. Stay away from BancorpSouth. I am moving all of my stuff. Also, I am supposed to have overdraft protection, but it seems to nonexistent.
A  17th of Sep, 2009 by    0 Votes
Sorry, Bancorpsouth will not help you any. They will tell you to go to the company that is drawing the money out of your account. My advice...switch banks, ASAP
A  3rd of Dec, 2009 by    0 Votes
Bancorp South...The most messed up bank of all, it will rip you and your parents off, stay the hell away from it, its the bank of the devil. debit transactions are fine, they get through right after you enter your pin. BUT, credit transactions take 3-5 business days according to the bank to be run through. The only thing is... Bancorp South is choosing the let the transactions get deduced from your account after they're certain it's going to overdraft your ###. Meaning, they can control when to run the credit transactions from your account, thats why they wait a week or 2 sometimes till your balance is down to 20 dollars for example, and you'll have a pending credit transaction or more..for 21 dollars, they would deduce that and overdraft your ### for 32 dollars.
I have paid this damn bank over a tuition worth in less than a year, for over 2 years.
I'm done with this ### forever. Good luck for whoever is dealing with this ###.
A  8th of May, 2010 by    0 Votes
They are a bunch of criminal ###. We had their "bounce less crap" my check was deposited a day late, we went over by $700, which they charged to the credit card used for bounceless checking, then charged us $500 in late fees. Talk about a bunch of criminals. We complained they said tuff, sue us. I am expected to hire an attorney to sue them for $500 they stole from me. You would think these guys were from oxford, they way they act.
N  12th of May, 2010 by    0 Votes
I experienced a very negative interaction with Bancorpsouth. They incorrectly entered account information, mailed checks to the wrong address, failed to send cards to all parties on the account, and ignored preferences given to them about my account. Once I deceided enough is enough and closed the account, they were unhelpful in advising me of pending charges, which made even my account closing messy.

If I were you I'd take my banking elsewhere!
A  26th of May, 2010 by    0 Votes
Yes I agree. Bancorp wil mess you up. I went on line to check my account, and it took them two days to show my pending transactions, so I thought that I had deposited enough money; however, on the third day when I viewed my account, I saw that they had three overdraft charges for $35.00 each. And each of the debit amounts were not over $4.00 dollas. I mention to Bancorpsouth that when I went online, the account did not show me as being in the negative. They did not care. They still charged me the fees.
D  3rd of Dec, 2010 by    0 Votes
First off, read the print on the internet banking screen where you transfer funds from one account to another. It CLEARLY states "Please allow 3 to 5 business days for the transaction to go through. Secondly, as far as using your card as debit when enter your pin its called an EFT "Electronic Funds Transfer" and it is deducted right then. For the credits it does take longer to come out of your account. The time frame really depends on when the store makes their deposit. And last but not least, the solution is simply LEARN HOW TO BALANCE YOUR CHECKBOOK. Really some of you need learn about banking in general. Just because you cant do simply mathematics you think the bank screwed you!!
N  10th of Aug, 2012 by    0 Votes

BancorpSouth - Harassment
103 mcCord road
United States
Phone: 6624884578

The bank teller refused to let me use my wife's visa debit card to make our loan payment with snide remarks. I argued its the same method of payment we have been using over 8 months. The teller replied that she did not personally know me and refused to accept it. After being disrespected and embarrassed I gathered myself and stormed out. Another person chased me outside trying to confront me yelling at me. I done my best to avoid her. Then the bank president left a message with my wife for me to call him and when I did he was very one sided uncaring of my position. He made demands of apologies, saying the door was broke, and filed a police report against me.
A  11th of Jun, 2015 by    0 Votes
IT"S NOT ABOUT BALANCING YOUR CHECK BOOK WITH THIS COMPANY!!! If you make a deposit and they hold it for several days (one time they held a large deposit for two weeks) and then put all of the debits and checks through first (the largest are rigged to go through first, causing overdraft fees for every single item) through before they will release the deposits - it's called playing games and they do it to make more money. It happened several times in the few years I banked there. I never bounced anything before and I haven''t bounced anything since. I entered into a class action lawsuit and actually received a check for it. Now three years later (I have perfect credit) and cannot get a loan because I have account abuse for the bounced checks after I closed my account . DO NOT BACK WITH THIS BANK - THEY ARE NOT HELD ACCOUNTABLE AND ARE UNETHICAL AND GREEDY!!!
A  16th of Oct, 2015 by    0 Votes
Bancorp South will post debits before the credits. I have gone to the bank in person and all the manager does is shrug her shoulders as if, "oh well its not me." I am tired of this nonsense. I am switching banks ASAP!!!

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