Regions Financial

Southeast: I said in my comment that the bank should refund her fees due to the employees wrong instructions.

Neutral_reader: Deborah went to Regions for the sole purpose of closing out her account, and they did not allow her to do so. A business should have to cover the mistakes made by their incompetent employees.

I know of numerous Regions accounts (personal and business) that have been closed by co-workers and family members, but they still had activity on those closed accounts, and were still billed by Regions for post-closing fees and charges. Something needs to be done to stop this.

I'm afraid you're the victim of an employee who doesn't know what he/she is talking about. You have every right to be upset, and the bank should have refunded your fees due to the bad advice given to you by their employee.
Here's what happened:
When your account stayed at a $0 balance for more than two consecutive days, it entered into a temporary closed status -- or a soft close. Any transaction -- debit or credit -- would have reopened the account for your use. The account does not permanently close until it stays at a $0 balance for 62 consecutive days or you specifically request it to be closed. So if Sears presented that check for payment within that 62 day timeframe, it was returned for Non-Sufficient Funds and charged the $35 fee. Unfortunately, merchants will continue to send the check back over and over again even though it gets returned every time - thus driving up the fees on the account. The bank officer should have advised you to either make a cash deposit to cover the check, or place a debit hold onto your account if you were going to pay Sears in cash and keep your account closed.

Same thing happened to me. We had been having the utilities drafted every month after our social security checks were deposited and all of a sudden they were posted on the 1st of the month and all of them bounced.

I am with you. They are always doing something that is crooked and you can be sure that we the customer is going to be the ones that come out on the bad end. I am not through with them yet. They stole 800.00 dollars from me and you can also bet that I am going to get it back.

FRAUDULENT FEES @ REGIONS BANK !

Regions changed my savings account to one with a $4.00/month charge without my knowledge ... and then only refunded 2 months of fees they had charged me. Not worth the legal hassle for me... but theres some underhanded things going on here. They then claimed I had been moved to another type of account... no way to identify which employee had done this or why.

I was unaware that my account was overdrawn due to the overdraft feature that was automatically included in my agreement. Additionally, I was unaware of how the service worked, which allowed me to continue using my debit card, unaware that I was overdrawn and racking up fees. Within a matter of 2 wks Regions assessed me $1085 in overdraft fees before I was aware that I was overdrawn.

I spoke with 4 individuals, including supervisors and bank managers, who not only refused to help but showed no sympathy or empathy whatsoever. We have been with the same bank for almost 30 yrs and this is has never happened before. This is the gratitude we get. They refuse to refund EVEN ONE OF THE FEES!

Use a local bank or BEWARE!

After taking a 20.00 charge out of my account that I did not authorize, they took me for 270.00 in overdraft charges. I do not have a job right now and I'm drawing my unemployment. The money they took form me is more than the amount I get for 2 weeks of employment. Is ther anyone that can do something about this? I know a lot of other people that are having these same problems with them. Are they just allowed to do this to people and there is no recourse? If this is not unfair business practices I don't know what is.

I had applied for a home equity loan to make improvements to my home which included vinyl siding and a new roof. The bank sent someone out to take a couple of pictures. The loan was turned down because the bank said the roof was just roofing paper and the outside was in bad condition. I tried to explain to them that the roof was a tin type roof not paper and that I had been scraping the old paint off the outside. Well I was stilled turned down. After several calls I was offered and unsecure loan and a secured loan using MY savings account. This is not acceptable! I have been a loyal customer for many years and I have a very good credit score. I am very dissatisfied with Regions Bank and will look for another bank for my banking needs.

I have been loyal to regions for years but now i am giving up number one come to yall for home loan your home loan lady never gets paperwork done thats ok wells fargo got that 149, 000 loan done for me now a year later i come back to regions an ask for help again an do all the paperwork that the bank ask of me call for a week an got told the lady was busy left my

home phone an work number never got a call thats ok trustmark loan me the funds to make home repairs i will be changeing banks and why is theres only two tellers working at the branch on 40th ave in hattiesburg

I just want to know if there is any class action lawsuits being filed in Alabama against Regions Bank and its unethical business practices with their outrageous fees, etc.

If not - it seems as if there should be something that can be done on behalf of the thousands of people that hvae been victims.

Please let me know.

Thanks

Will Graham

The problem is that I had overdraft protection.. I was in vacation in another country and apparently I went on overdraft.. I had a debit card and a savings/checking account with them, But somehow I went on overdraft (I don't know how) Since the debit card was linked to my checking account and I had money in my savings account, I went on overdraft and instead of cover the overdraft with money from my savings (As the overdraft protection says) they just went ahead and were charging me $33 dollars everyday and made me paid over $300 dollars for their mistake.. I have proof that they stole my money.. Should I go ahead and sue them?

Same thing happened with my sister. She stayed with Regions longer than I did because they conned her into their "overdraft protection, " telling her they will just use the money in her savings to cover any overages in her checking account. Low and behold, when that did finally happen, they popped her with multiple NSF charges and didn't notify her for over a week (they send overdraft notifications via snail mail so you will be sure to rack up over $500 in NSF charges before you know what is going on). They never attempted to use the funds in her savings account to cover the checking account activity like they had agreed to do. That was the last time Regions took her...we both do our banking elsewhere now.

Regions has taken me and my sister several times each for $500-$700 each time in overdraft fees which were not our fault (fraudulent charge on our debit checkcards we didn't know about, and not crediting our deposits within the stated time frame). We were told no one had the "authority" to help us. After much trouble, we finally reached someone who credited us a mere $100 of the $500-$700 charges, like they were doing us a favor. Evidently, Regions expects us to monitor our accounts every hour of everyday as they are not willing to take responsibility for the continued NSF transactions that occur following one of their mistakes.

Needless to say, we both bank elsewhere.

The bank doesn't examine your house and guess a value. Someone who is licensed and trained in obtaining home values viewed your home and made the determination of your home value based on what he saw. The bank would be foolish to lend money on collateral that's been deemed uncollectible. Would you loan someone $15, 000 for a car that was only worth $10, 000?

How did you overdraft the account if you were keeping up with how much money you had and how much you were spending?

**UPDATE**
Spending money that you don't have is not a good idea.

I AN LOOKING FOR A GOOD LAWYER TO SUE THIS BANK, I HAVE COMPLETED PROOF OF HOW THEY ABUSE AND OVER CHARGE AGAIN AND AGAIN FOR OVERDRAFT FEES THAT NEVER EXIST.
OTHER PEOPLE WHO LIKE TO BE PART OF THE SUE, JOIN US TO CLOSE THE DOORS OF THIS ABUSIVE BANK.

REGIONS BANK THE WORST BANK IN USA, PLEASE DON'T OPEN AN ACCOUNT HERE, NEVER, NEVER, NEVER...

been there

Sue the Bank ever chance you get, if 10, 000 would file law suits just in small claims court, that would do it, they would stop, its all about money, lets stop them. We need a club, every one agree to sue for all charges, this would stop it.

I just don't understand why you let them do this to you!
Stop them, close the account and than sue them for the money back. You can sue them your self in small claims court. They will give the money back. Or there are plenty of attorneys who will take your case and win, courts have been finding them gulity of excessive fees for a while now. Judges are getting tired of banks out right stealing from customers, just like the fraud to paid largest item first, so they can charge for all the small items, what a scam.
they all do this. It just this simple, banks have computer programed to pick up on people who have no money and they are able to hold deposits, checks and create charges to steal from you.
It won't stop till the State Attorney starts putting some of the managers and directors in jail for fraud. The state attorneys seem to be in left field when it comes to banks stealing. So is the US Attorney, Wachovia just got caught Laundring money for Terrorist Organization, did they go to jail (NO) just paid millions in fines, you and I would go to jail. In closing I sue a bank ever chance I get, its fun, I love it.

bought Harley CLEARLY PAIDF OFF since I was given the title. been battling SIX MONTHS to get a verified llien satisfied letter just to gety registered. the "policy" is to only deal with the original loan recipient. thst great but that was two sellers ago and he lives at a new addres since 98 and they wont send it even to him at a new address. this bank is a joke.

geeeeesh another customer in need

I agree and am currently looking into starting a Class Action Lawsuit against Regions now... Regions accepts overdrawn items, not as a Courtesy to their customers as banks are supposed to, but as a way to ROB their customers and something has to be done about this. I understand rules, policies and procedures, but Regions rules, policies, and procedures are NOT consistant. I have received enough to know this with proof and plan to do something about it.

Its a fact that if I have NO pending transactions and have an item presented, regardless of how short I am, it will NOT get paid, however, if I have 10 transactions pendig, regardless of the amount that I am short for a new transaction that is presented, they WILL honor it with no problems! WHY... Because it Benefits REGIONS, not for the concern or decisions of their clents. This is NOT what Banking is designed for. Regions bank managers approving these transactions is Legal Theft and something has to be done about it. I will post additional information as I proceed with the suit. Please keep checking back! Thank you!

Not alone! right as we speak they have charged three overdraft fees that aren't warranted.
This isn't the first time either. Two weeks ago they gave me two that shouldnt have been applied to my account. A few months ago same thing. When I went to my local branch the manager exclaimed " we can credit your account, if, you fill out an application for visa overdraft protection". I recently read an article that explained that banks make as much money on overdraft fees from just ten percent of their customers as they do in all other transactions, but, unfair fees over and over? I'll lay and wait for the class action suit. Got my records and witnesses lol they actually pulled this in front of my wife who dosent even bank there lol

2 pm is probably the cut off time. Meaning... they've switched over to the next banking day. So, for example, while it's Monday, after 2pm, it's Tuesday for the banks. Yes, cash is immidiate; you can take money out through the atm, you can purchases... but, if you have anything posting that night, and you made a deposit to cover what's supposed to post that night, the cash isn't going to cover it. Why? It's next business day. Technically, you made the deposit as if you were coming in Tuesday morning and making the deposit. So, it won't post until that time at midnight. What gets really tricky with that... if the debit/credit card merchants aren't on the same business day. That's the part that really screws you over. Some merchants don't cut over at the same time.
But, that in itself, is another story.

Not alone! right as we speak they have charged three overdraft fees that aren't warranted.
This isn't the first time either. Two weeks ago they gave me two that shouldnt have been applied to my account. A few months ago same thing. When I went to my local branch the manager exclaimed " we can credit your account, if, you fill out an application for visa overdraft protection". I recently read an article that explained that banks make as much money on overdraft fees from just ten percent of their customers as they do in all other transactions, but, unfair fees over and over? I'll lay and wait for the class action suit. Got my records and witnesses lol they actually pulled this in front of my wife who dosent even bank there lol

Not alone! right as we speak they have charged three overdraft fees that aren't warranted.
This isn't the first time either. Two weeks ago they gave me two that shouldnt have been applied to my account. A few months ago same thing. When I went to my local branch the manager exclaimed " we can credit your account, if, you fill out an application for visa overdraft protection". I recently read an article that explained that banks make as much money on overdraft fees from just ten percent of their customers as they do in all other transactions, but, unfair fees over and over? I'll lay and wait for the class action suit. Got my records and witnesses lol they actually pulled this in front of my wife who dosent even bank there lol

Well, we lost our careers when the economy tanked and trying to hang on w/ low paying jobs. We have our mtg w/ Regions (gangsta mtg co.) and we applied for the modification and for three months they lowered it by $300. We paid it easily and on time, at the end of the 3 months, they came back and said we no longer qualify and wanted the $300 for the three months ( $900) back immediately.
We are about 2k behind ONLY because we were sending in partial payments several times a month WHICH amounted to the entire payment being received w/i the alloted month. BUT, since it wasn't all in one check, they put it in our escrow account instead of applying it to our mtg. and added finance, misc. charges. Now they are trying to foreclose on us.
The escrow office (Memphis) and the mtg office (B'ham) can't even call each other to move our money where it belongs.
Even tho they w/ other banks and wall street caused all this economic mess and Even tho they: Regions (gangsta mtg. co.) OWE us taxpayers tarp money to the tune of 3.5 BILLION dollars? Total Hypocrites! BOYCOTT Regions (gangsta mtg. co.)

Regions bank officials in partnership with regions bank employees stop embezzling out of my account and pay compensation fees now

They are liars, cheats and thieves. They hold yo"ur deposit (even a cash deposit) even though your online account shows that the deposit has been credited to your account, and it shows the amount of the deposit in your available funds, and then they put through all other transactions instantly, refusing to utilize your deposit (made in cash, showing under "available balance"), just so they can charge you $36/item overdraft fees. Then these fees pretty much negate your deposit, eat it all up, so that any other transactions you perform, confident you have deposited enough to cover everything, are paid out but charged $36/item overdraft fees. In three days, Regions charged me $324 in overdraft fees, putting me into a negative balance, even though I should have had a couple of hundred dollars left in the account. I confronted the manager of my branch, accused her of "creative accounting" and "deceptive accounting prctices" and she just signed and rolled her eyes, like I was too stupid to understand. Yeah, like I would want to pay a $36 overdraft fee for a $4.99 charge on Amazon! THESE PEOPLE HAVE FOUND A LEGAL WAY TO STEAL YOUR MONEY! BEWARE!

If regions bank dose not pay my clame I well legally bring actions agenst regions bank company for payment of my matshall gordons compensation fee for 4 million dollers. two million for me marshall gordon one million for lawyer if well do on contenjency. And one million gose streaight to famlys who need it in the amount of 100 thousand dollers per famly tell the one million for familys is gone

This bank should be out of business because they are charging the customers fees just because they can. This bank holds transactions until they put your account in the hole by overdrafts and then they charge you another overdrafts for the rest of the transactions. For example, they hold all the small transactions like $20 or less for many days and debit your account in the same day with one big charge, which should take more than one day to put you in overdraft. I asked the manager one day, if I have 8 transactions worth of $120 from 4 days and one transaction for $ 300 on the same day, if I had in my account $ 415. Should I be charged just one overdraft rather than $216 for 6 overdraft fees? He said, "The bank's policy is to debit the large amount first and that is for the customer’s benefits because it could be a house payment and the bank does not want the customer to be in bad standing with the creditor, it is for the customer’s protection".
I can see putting the customer in the hole for $216 for his own protection is working great for the bank.
It is not fair that I use my dept card and the bank has the right to hold the transaction and charge it whenever they feel they can make money out of it.
If there is a lawyer out there who wants to start a class action lawsuit, I am in.
I have had my account since this bank used to be Magna bank and Union Planter after that, but I have not seen anything like Regions bank

I just looked at my account it it was 586 dollars in the hole, all over a credit card transaction that occurred three weeks ago, all of a sudden they are putting it and about 10 other thing through daily, and then removing them from the previous day, but keeping the overdraft fee. I can not even explain how angry I am at this. I have been printing my statement out daily, the customer support lady said you can't rely on the online statement, it is inaccurate, with is bull because my account is accurately 586 dollars in the hole. I'll be closing my account tomorrow, I would suggest we get together and start a class action law suit.

I can say that this has happen to my husband and I before. In our case we have been charged overdraft fees without ever overdrafting this week and last week alone they have charged us over $300 worth in fees. My sister works with a different bank and tld me that regions policy was to put all debits before credits no matter when they are posted to your account, which is cheating you completely. Regions will find anyway to make money off of you they can, We are changeing banks right after the new year!

Not alone! right as we speak they have charged three overdraft fees that aren't warranted.
This isn't the first time either. Two weeks ago they gave me two that shouldnt have been applied to my account. A few months ago same thing. When I went to my local branch the manager exclaimed " we can credit your account, if, you fill out an application for visa overdraft protection". I recently read an article that explained that banks make as much money on overdraft fees from just ten percent of their customers as they do in all other transactions, but, unfair fees over and over? I'll lay and wait for the class action suit. Got my records and witnesses lol they actually pulled this in front of my wife who dosent even bank there lol

same happen to me. They charged me 8+ overdraft fees on my account while i know that i did not buy anything or use my card.

This is getting out of control. I'm going to report this to BBB and sue them

I have been with Regions since they bought the bank I used to be with.(this has been about 4 years now) I have not had a single incident like this. My paychecks before I had the option to Direct Deposit were all posted promptly.

a k 4 7

I would probably CLOSE the account pronto and open one at a different banking place if they aren't going to help you.

Sorry to say, but that is AOL doing that.

Had to wait for 34 minutes as a walk in which is understandable but then there was a lady by the name Ashley did not want to help. She was free to help and when asked she said she hav more important things to do. Wouldn’t recommend you speaking with Ashley at this location.

My account was overdrawn on 01/30/17 but what I am upset about is that the NSF of $108.00 was taken out at the same time the deposit hit. When I called, the teller only refunded $36.00 of the NSF fee. I would like a refund of the whole $108.00 amount.

Thank you,
Donna Lewis

donmarlewis@yahoo.com

Bank Card Over Charge By $107.00
I Have Summit A Form W/Regions
Bank.Also Filled Police Report W/The
Tallahassee Police Dept. The Information Is In My Bank Record.
Why Is Regions Doing Me Like This.
Regarding My [Funds]?

I had apply for loan for 2 and half months now, one underwriter already approved for the loan now still waiting for the Second underwriter, but haven’t get any answer, we already rent out our current home by Oct 01 2017, we feel so lose now don’t know what to do. And the seller very upset and won’t renew the contract with us anymore.

My student loan check was ACH deposited into an account that was not mine and complete check was withdrew without my authorization or knowledge. Per regions policy this should not have been able to withdrawal it should have been sent back to volstate. I am getting complete run around with CS I just want what belongs to me

This company is unbelievable, they must be in business to share profits with other companies with their dubious transactions. I used one credit card for one night stay at a hotel and that hotel charged me for four nights on one card, they charged me for another night (the same night) on the FIA card and when I disputed this fradulent charge with FIA they (FIA) had the gall to make another charge to another of my accounts which I had closed 6 years ago. WHAT are they up to? Who watches out for these people? My credit score was also very high and I always pay everything off each month, how can you keep pristine credit when the very persons you trust to keep your information straight deliberately mess up your accounting? I was wondering how FIA got my old CC information, now I find out that FIA processed the BOA card information. Is this legal to keep exponentially increasing charges that were NEVER used? How can they charge an account that was closed by me 5-6 years ago? That card was cut up long ago. Shame on you FIA and Holiday Inn Express Carlsbad I hope you get what you deserve.

I too have a problem with this company. I recently pair off two credit cards and rolled it over to a FIA card at 0%, or so I thought. I had a credit card (Bank of America) that is apparently processed through FIA. When I tried to pay off the card online, I realized that the parent company was the same, so I could not pay it off. About a week after I got the card, I received a phone call from a customer service rep from FIA. When I told him I would not be using the card because I could not pay off the balance on the Bank of America card, he suggested that I use one of the checks that FIA sends out along with the new card to pay off the Bank of America card. He told me to just write the check to myself, cash it and then use the funds to pay of the card. He told me that the checks were under the promotion of 0% but that there was a slightly higher transaction fee than the usual 2%. When the checks arrived, I used one to pay off the card. I just received my statement and saw that I was not only charged a higher transaction fee but that I was paying 19.5% interest on the amount I wrote the check for. When I called to find out why I was not getting the promotional rate of 0%, I was told that I used a cash advance check and that it is at 19.5%. I explained that I thought I was using the promotional check because that was what the customer service rep had told me to do. She said I shoud have read the fine print and the only thing I could do was pay the credit card balance at 19.5%. Long story, short, when I told her that this was unaccepatable, she transferred me to another department. After speaking with someone in this new departrment (he, too, could not help), I was transferred yet again to the credit department. Twenty-eight minutes later, after reviewing my account (I have excellent credit with a rating of over 800), this person told me that there was nothing she could do and that I would have to pay off the card at the high interest rate. I feel that this company is a scam and that they are probably doing this to a lot of people. Is there anything I can do or someone I can go to to report these deceptive business practices?

I have just received a letter from Regions/FIA to tell me that my interest rate is going up 10%, even on my present balance. I can opt out of this they said and keep my 15.9% rate, but the minute I use the card again it will go up to 25.99%. I believe that this is illegal, according to the treasury dept bank regulations ombudsman, I told the customer service girl on the phone and she said they can do whatever they want. Has anyone else had this problem? She said I was a very good customer, always paid the card on time, but they were looking at my overall credit. I have never missed a payment on any cards and everytime I pay a card down, my limit drops to what I owe...

My name is Bill McElwee and i am having similar problems as the rest of the regions fia clients are, each month the amount i owe has changed they keep telling me that i am a month behind
in what i owe when in truth i have paid my payment's on time.I am at my wits end with all of this, they have yet to correct the problem that is their fault something has to be done about this company.

Sincerly

Bill McElwee

This FIA card services is really a fraud company. When I tried to reach costumer service they never tried to help me out. If there is any law to Sue these guys, Please let me know.