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Prepaid Visa
Posted by DarnVisa on 02/24/2009
NAPLES, FLORIDA -- I don't like to use my bank account and credit cards online that's why I purchased a prepaid Visa card from a Regions Bank back on December 2008. I asked them can I use it online and if I cannot use it, is it possible to return it, both answers were YES. There I purchased it, boy with that didn't I brought a big headache into my life... First, I couldn't purchase the item and went to bank to return the card, they said sorry you can't. Now, I’m stuck to use this card. I went back home activate a PayPal account since I paid for this card I can put that money into my PayPal account and shop from there. One more time I was wrong. I went back to Bank they said because I'm trying to send money to another country it won't work. I called a friend of mine and asked him that can he use this card and forward the same amount of money to my PayPal account and I can send this money and purchase my stuff. He calls me back says it is not working for him either. Then I called the 800 number they said because there is no address entered, PayPal cannot see the account and he was gladly entered my information. I went back home thinking finally I will be able to use it, of course it didn’t work I thought maybe it needs time, a few days passed still don't work. Meanwhile $75 is missing from my account and they don't work weekends I had to wait till Monday to figure it out.

The explanation of that was because it swiped at the pump bank holds $75 of the card amount. "The money will be return to the account after 7th day on the 8th day" I was told. Now, I'm very aggravated finally on the 10th day the money put back into my account. I went out start shopping just to get rid of this darn card and never ever buy it again. I went to a gas station walked inside (just like they said) guess the amount of the gas that I planned to buy and went back to pump. Darn, I guesstimated almost $5 more than what I had, went back inside to make the adjustments and left. Same night I checked my balance they took the bigger amount the difference wasn't reflect to my account yet and also one charge wasn't reflecting at all and there is a extra $54 charge that I had no clue...I called again(not to mention I had to wait next day because they are close), it turned out that $54 charge is purchase + %20 one of my purchase that I had that day they didn't only took $45 off my account also took $9 more. I was shocked. I cannot believe the way they operate. I will never ever buy another prepaid card, It is my money and also paid extra $3.95 to get into this aggravation, also if you don't use it quick there is a $2.50 charge every month.

My $5 will be returned to my account by next week. Today is February 24th and I activated this card in mid January since then it is just a pain in the neck. I don't recommend anyone.
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Posted by MRM on 2009-02-24:
There are two credit card companies that I know of, BoA and Chase, that will generate credit card numbers and you can use the numbers one time. After I started using the generated numbers, I have never had any online identity thefts since then.
Posted by madconsumer on 2009-02-24:
these pre-paid cards cannot be used outside of the united states. it states this on the agreement.
Posted by DarnVisa on 2009-02-24:
madconsumer, I didn't try to use it outside of the country I tried to send money from a paypal account to paypal account which receivers account was set up outside of the country
Posted by DarnVisa on 2009-02-24:
MRM, can that card be used with paypal???
Posted by rafael on 2012-09-02:
use it as a debit, as a debit gas stations can only takes out the amount used. And online you can activate international use. Use as Visa to send Money
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Bank Fees Are Killers
Posted by Brian Solvberg on 06/12/2008
C -- Well after a day like the one I have had I now have joined a blog sight like this...

Where to begin Regions has just charged me over $350.00 in NSF fees for a $1.00 mistake YES $1.00

It seems that due to computer programing, and the desire to make money off of you the customer Regions operates in the following manner. All transactions that occur after 2pm are held in a PENDING status until the next Business day (No not Saturday) Monday and all transactions are deducted from your account, EVEN IF it doesn't show on your web account or ATM balance. Now here's where it gets fun, ALL transactions that happened after 2 pm Friday go into the computer after business hours on MONDAY, and if your account balance does not equal or is greater then the drawn out balance you pay over draft fees... Banking 101 right. RIGHT!!! BUT and this is the fun part if the previously stated occurs (balance does not equal or is greater then the drawn out balance) YOU PAY overdraft fees on EVERY single TRANSACTION!!!!!!!!!!

It seems that Regions computer system is not set up to take transactions in the order that they occur in stead it compiles all transactions and deducts them as one, but separate transactions taking the highest dollar amount first. So even if the $29.00 you spent ordering pizza on Friday night, is higher then your credit card payment of $25.00 you made online Friday at 4 pm guess what gets paid first (thats right wouldn't want your credit report ruined over pizza)and by the way if you had $53.00 in the account now your 70.00 negative in your account cause Regions charged you for both transactions as NSF even though you had enough money to cover at least one transaction so again you pay $35.00 for each transaction.

It would seem to me that a company as large as this should be able to afford a computer program that can organize transactions by the Date and Time they occur, just like the ATM machine automatically shows you your new balance once you take out $20.00 from the ATM.

And Yes someone will write and tell me that this is how all banks do it and I should be better at math, DUHHHHH!!!! So yes I didn't do proper Subtraction and missed a buck somewhere, but if Regions would simply configure the system to identify date and time of transactions, and deduct from your account as actions happen then maybe I would have seen I was getting close to over drawing and would have put the fishing lure or the bananas back and saved my self a whole lot of money. Regions decides instead to shotgun blasting the deductions and pay for all the new branches going up everywhere.

So long Regions bank, Hope you go bankrupt and all your banks get robbed, Just like you robbed me......
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Posted by Mad Eye Moody on 2008-06-12:
I agree. It does seem shady. Most banks do this and technically it's legal, but it feels like scam, especially when it was over a dollar. I mean...if you're in line at a store, and you come up a dollar short, the guy behind you will usually help you out. Why can't the institution that makes a lot of money just for keeping your money 'safe' do the same thing? The only entity from which your money isn't 'safe' is the bank itself. Now for the solution: Join a credit union. I use two, and they don't process transactions in batches the way banks do. That may not be true of all credit unions, but I know of at least two. Most of us have messed up our ledger once or twice, and had to take a little spanking in the form of NSF fees...but I'm with you on this one. Cheer up and find a credit union. Cheers! MEM
Posted by tnchuck100 on 2008-06-12:
Most big banks are doing this to their customers. It's called creative accounting. I understand you made a mistake are willing to accept an NSF fee when warranted. But I agree, they have stuck it to you. The bad part is, according to the agreement they sent your after acquiring AmSouth they can do almost anything they want with your account. I know this because I also have a Regions account. I read the new agreement. It is a totally self-serving agreement based entirely on greed. Just like all the big banks are doing today.

So far I have been lucky. I trust the people at my branch. I do not trust Regions.
Posted by madconsumer on 2008-06-12:
ever heard of spending what you have in your account? keeping a small positive balance will prevent this from ever happening again.
Posted by heaven17 on 2008-06-12:
I don't know whether you're getting ripped off or not, but it just seems to me that if you have a finite amount of money In your account and you don't keep up with it thereby overdrafting (even if it's only by $1), that's your fault. If you had enough money versus what you spent, then it wouldn't matter what order the transactions were processed.

Posted by tnchuck100 on 2008-06-12:
madconsumer and heaven17: Please provide an REASONABLE (note I did not say LEGAL) justification for $350 penalty for a $1 error?

I do not believe either of you have the slightest concept of what big banks are doing to people. While they may be legal, they are without conscience and ethics.
Posted by heaven17 on 2008-06-12:
tnchuck100: please provide a REASONABLE justification for someone not to keep up with their bank balance?

And I get it...big banks bad. But it doesn't sound like the OP had the slightest idea what was available versus what they were spending.
Posted by tnchuck100 on 2008-06-12:
Heaven17: OK, REASONABLE is as the OP stated. He made a $1 mistake. That is NOT unreasonable.

Now, your turn. Justify.
Posted by yoke on 2008-06-12:
I have an idea. Don't go by what is on the computer, go by what is in your check register. How did people balance their checkbooks before computers. I bet there were alot less errors.
Posted by tnchuck100 on 2008-06-12:
yoke: You appear to be lost as well. The guy made a mistake. He admits it. The bank screwed him royally.
Posted by yoke on 2008-06-12:
chuck, I am not lost. I understood the guy made a mistake, but how is that the banks fault?
Say you were at the store and you realize they overcharged you $1.00. Are you going to ask for the $1.00 back or are you going to say oh it was a mistake and let them keep it? Many stores will give you the item free if it is rung up wrong. Are you going to say no I want to pay for the item or are you going to allow them to take the item off? Even though it was a mistake on the stores part most will take advangtage and get the item for free. Why can't the bank do the same when someone makes an error.
Posted by tnchuck100 on 2008-06-12:
It's not the banks fault. That's not the issue.

In your example, Yes, I would ask for my dollar back but I would not think I was entitled to $350 in punitive damages.
Posted by yoke on 2008-06-12:
This person had 10 NSF's for a $1.00 error? There is alot more to this story.
Posted by tnchuck100 on 2008-06-12:
We don't know that. We must go with what the poster has provided. With banks behaving as they do today he IS believable.
Posted by yoke on 2008-06-12:
If the OP was charged $350 then the OP would have had 10 NSF's for a $1.00 error that we do know. The OP is the one who said $350 in fee's, $35 per NSF and was only $1.00 under. Sounds like there were alot more checks/debit that went through.
Posted by Anonymous on 2008-06-12:
I think you're missing the bigger picture here yoke.
Posted by tnchuck100 on 2008-06-12:
As he stated, they totaled the pending transactions, determined the overdraft from that. Without clearing ANY items that COULD have passed OK. Then nailed him with an NSF fee for EACH transaction. Despicable!

Hey heaven17, what happend? You failed to justify.
Posted by old fart on 2008-06-12:
Don't spend more than you have...Simple!
it is not the bank's responsibility to monitor your spending..
It is your responsibility and yours alone.!
Posted by wgaguy1984 on 2008-06-12:
Clearly some people don't understand what's happening; they're just assuming anyone who overdrafts their account must be poor, and hence, stupid. What these banks are doing is sinful. I bank with Regions, and have had good experiences in the past, but I know what the OP is talking about. After 2 p.m. on Friday, any transaction will post to your account on Monday. Say I have $300, and over the weekend do nine transactions for $30 a piece, $270 total, leaving me with an available balance of $30, even though the $270 hasn't cleared my account, it's in pending status. If I then go out at 11 pm on Sunday night and accidentally make a transaction for $31 because I made an error in my check register, my available balance will go negative by one dollar. But rather than charging me one NSF for one dollar, they will clear the larger transaction first, and charge NSF on all nine transactions, even though the $270 is in some nether-world they call "pending".

Anyone who doesn't think this is wrong is either an employee of the bank, or is just an elitist who probably has stock in them. It does little good to say keep a positive balance in your account, for some people it takes all they earn to pay the bills and then one mistake costs them their whole next paycheck. Banks want us to believe 1) that they don't have the technology to prevent this by clearing transactions in order of time rather than amount and that 2) people want their accounts handled this way because it's convenient and prevents embarassment. I want my $5 charge at McDonald's to decline rather than pay $40 for a hamburger. I was told by a woman at my branch, point blank, that I couldn't decline this "overdraft protection" service they offer; you're required to accept it to have an account.

If they ever did this to me, I'd just stop putting my paychecks in that account and they'd never see one red cent of these bogus fees, my credit score be damned. Sorry, I didn't realize this was going to be a soap box for me, but it's just irritating to see people come on here and berate the OP so condescendingly. Yes he made a mistake but the banks response is usury.
Posted by wgaguy1984 on 2008-06-12:
He spent $1 more than he had, and paid $350 in overdraft fees because of the way the bank clears transactions. I guess you never make an error in your check register, oh great human calculator. Disgusting.
Posted by old fart on 2008-06-12:
I am not a human calculator... I do understand that banks are not our "friends" and take the precaution of having enough in my checking account to cover my transactions whenever they occur..
I also reconcile my balance on-line daily.
If that makes me an old schnorer... so be it....
Posted by old fart on 2008-06-12:
this is yet another argument for local credit unions..
Posted by wgaguy1984 on 2008-06-12:
Some people don't have the luxury of having a pad in their account. You obviously don't understand what the OP and I tried to explain. He's being charged NSF for an earlier transaction he had the money to cover because he spent more than he had on a later transaction that was for more so the bank cleared it first. If you think a $1 mistake justified a $350 penalty, I just hope the same never happens to you; but you're fortunate enough to be able to pad your account so why should you care about someone who could go into the negative over $1 error?
Posted by wgaguy1984 on 2008-06-12:
Actually, it's an argument for moving the family out to the self sufficient compound in the middle of nowhere. Society's going to hell in a handbasket.

Sorry, I think I kinda lost my temper with you; I don't know why this makes me so angry, it's never happened to me, but I have seen it happen to a lot of my friends (generation plastic). But the simple fact is that someone who makes very little and has no discretionary income to pad their account with and pays almost everything out in bills could, despite keeping a check register, make a $1 error and have their whole next paycheck decimated by the bank's greed. It's evil.
Posted by old fart on 2008-06-12:
I agree that bank fees are exorbitant...that's why I shill for credit unions because the local nature of them makes this kind of thing less likely and you will probably have a local person to deal with if there is a problem..Multinational banks have no soul or heart and couldn't care less if you live or die..
Posted by wgaguy1984 on 2008-06-12:

Posted by old fart on 2008-06-12:
The prepaid visa thing is not a bad Idea particularly if you need to make on-line purchases..that way your bank accounts and info are not exposed to the possibility of fraud..
Posted by wgaguy1984 on 2008-06-12:
Oops, what happened? I noticed a typo in my previous post now it's gone completely. lol.

Anyway, I said, anyone who normally has this problem or runs a low balance in their account should consider dumping banks altogether and getting one of those prepaid Visas, they offer the security of a debit card (I hate carrying cash cause I'm afraid I'll lose it) with non of the nonsense of the banks. You can't overdraft them. You do have to pay to reload them, but it's nowhere near as much as one NSF fee. I might get one as a form of moral protest, that way the only money of mine the greedy b------ds will have their hands on is savings, which as of yet, they've not managed to screw me out of; they're still paying a modicum of interest on it.

I'd urge the OP to talk to his branch manager; the 1-800 people are as low on the totem pole as you can go; if you have to talk to them, as someone who works in a call center, take my advice. Get their names and employee #'s and ask the call be recorded so they can't just hang up. If you don't like theiranswer, ask for their manager, and when you get to someone who says there's no one higher you can speak to, don't take no from them. Have them try to explain to you in a coherent matter why you were charged NSF fees on earlier transactions you had the money for. That money went into pending, and was being held in anticipation of payment being cleared, which is why you went over on the later, larger charge. Chances are they won't be able to respond in a way that make sense, and you just have to be patient and refuse to let them off the phone. Eventually, it will be lunch time or time to go home, or they'll get sick of you and cave. Chances are you just paid their paycheck for their week, so you have the next 40 hours of their life coming to you, I'd call it in.
Posted by heaven17 on 2008-06-12:
So glad you missed me, tnchuck100. I've said all I wanted to say, but since you insist... I've paid WAY more overdraft fees in my lifetime due to my own screw-ups than I'd like to admit. And every time I'd go back and trace my steps and it was always my fault. Sure, the fees are outrageous. Are they fair? Depends on how you look at it. Do the banks twist this transaction and that transaction around to tack on more overdrafts? Not from my experience. I use BOA and they post sales in chronological order just like they post my deposits. I've not once noticed where they've messed with the order of things. Again, monitor your account and don't spend more than you have. It's been working for me for a while and guess what? No overdrafts in a while.
Posted by grandma005 on 2008-06-12:
I use the envelope system. On payday you take out cash that you can budget to spend and put into marked envelopes. When your envelope is empty there is no more spending from that envelope. For instance if you set aside $100 for food for the week and you have spent all the money in that envelope, there is no more buying food until the next payday, period. No worries about NSF fees. You know if you are out of money. Another way is to put all purchases on a credit card and deduct from check register and pay off in full when you get your statement. This method requires control and math skills.
Posted by old fart on 2008-06-12:
That's the beauty of checking your balance on-line... you can balance your check book every day.... sometimes I check it two or three times a day and keep it in balance all the time...
Posted by grandma005 on 2008-06-12:
I do too! I love on-line Banking. But I check two or there times a day because I am from old school. It took a long time for me to sign up for on line-Banking. I wanted canceled checks.
Posted by old fart on 2008-06-12:
Yup yup Grandma.. If you use your debit card at Walmart (for example) it will clear instantly..most other places will clear the next day.
I only write 6 checks a month. The rest are with the debit card..
Posted by Anonymous on 2008-06-12:
Yoke has a valid point. If the poster is only a dollar short, since the bank posts highest to lowest, everything would have cleared except the last item. It appears we aren't getting the real story here.
Posted by Ponie on 2008-06-12:
wqaguy, 'someone who makes very little and has no discretionary income to pad their account with...' shouldn't be spending $29.00 for pizza (the poster's words)! Also, how do you 'accidentally' make a $31 transaction? I was at my friendly Meijer store yesterday and charged $107+. Before I left the store, I looked over my receipt and saw I was charged $12.99 for something that was marked $9.99. I simply went to Customer Service, pointed out the error and received the overcharge refund plus bonus. Why do people NOT PAY ATTENTION to how much money they have available before they try to spend it and then blame the bank? Absolutely ridiculous!
Posted by Anonymous on 2008-06-12:
Well ponie if we're going to embark down the road of life judgments let me toss this one your way. You shouldn't smoke. Sloppy check accounting merely costs fees whereas smoking kills. I'd rather pay a few overdraft fees than foolishly cutting years off my life practicing a silly smelly habit.

Partaking of a product that when used as directed kills??? Now that's absolutely ridiculous!
Posted by Ponie on 2008-06-12:
Stew, as you well know by now--only the good die young! I see you're still hangin' in there.
Posted by Anonymous on 2008-06-12:
Ponie - Chantix. I know five people who used it and all five are now *NON*-smokers. You're way too clever to be a smoker.
Posted by Ponie on 2008-06-12:
Turn your collar around, padre. It's choking off blood circulation to your grey matter. :)
Posted by tander on 2008-06-12:
Banks do this all the time, I know someone who works at a bank and I asked her one time if it was true if they take the transactions as they come through and she told me they don't they will take the most expensive one first so the can charge you overdraft charges for all the rest of them, it's how they make there money BUT if you don't overdraw your account all the time, some of the time, they will have a heart and reverse at least half the charges and I repeat if you don't do it all the time.
Posted by Alain on 2008-06-12:
Here's the world. Banks want money and small print. Never TRUST what you do not have. Always READ small print. ALWAYS keep track of YOUR money.
Posted by wgaguy1984 on 2008-06-12:
Ken, it doesn't matter that the original poster was only a dollar short, they clear the larger transaction first and because the available balance is negative when it is cleared (all the funds "used" on the previous transactions are in pending) all those charges are also charged an overdraft fee, even though, at the time they were made, there was enough money to cover them. I've seen it happen to my friend at SunTrust, only with them, transactions that had been listed as cleared for three days went back into pending and recleared with a negative available balance and she got charged NSF fees for them. People don't understand what's happening, they're just assuming it's irresponsibilty. I guess Ponie's math is never off by 1. No one is saying that if you intentionally or mistakenly spend more than you have in your account you shouldn't be charged a fee. If I make one transaction that makes my account into the negative by one dollar, fine, charge me a fee. And one for every transaction I make after I go negative. That's not what happening. What these banks are doing though is to charge a fee on every pending transaction that clears when there's a negative available balance. You may swipe your card 9 times Friday evening and have every cent you're spending in your account in there; but if you go over on Sunday by any amount, because everything clears on Monday, you're going to get charged 10 NSF fees. Please, Ponie, explain to me how that is reasonable? I think you'll have a very hard time.

This site is a waste of time, it's supposed to be about consumer empowerment; really, it's about employees defending their companies, corporatists defending inane and usurous policies, and otherwise bitter unhappy internet trolls passing judgment on everyone else.
Posted by CrazyRedHead on 2008-06-13:
I use a calculator whenever I do my checkbook.
Posted by starborne on 2008-06-17:
Honest intelligent people make bookkeeping errors. With or without a register. With or without a budget. What's particularly confusing as an on-line of Regions (up until today) is how something can show up as a 'pending transaction' and show the appropriate deducted balance, disappear into limbo or pergatory somewhere in internet land for A WEEK, then show up as a completed transaction. I've been TRYING to use their download services with Quick books, keep my own current register, and STILL haven't been able to figure out what they're up to. Nothing seems to reconcile properly. You BET there's more to this story than you know. I talked to my customer service representative to get an explanation for what happens. She looked me straight in the eye and said she wished she could get me an answer, but she has never received one herself. Here's an employee of Regions that was charged with $200 in overdraft fees because she made a bookkeeping error based on what was showing up under the 'pending transactions'.

After months of one thing after another with Regions, I am done with them and will open 3 accounts at a local community bank. Their acts may be 'legal', but are certainly not ethical by my own personal and business standard.
Posted by Brady1 on 2008-06-17:
Isn't it all about balancing? I mean, if you can take the time to write 9 paragraphs about how unhappy you are with a company, can't you sit down with a calculator? If you read the fine print, you just won't have the problems you've had. And for you big bank haters out there, small banks have small print too. And not even half the products. May want to start stuffing it under the mattress.
Posted by starborne on 2008-06-17:
Brady1, I hear you. Honestly.

I am 50 years young, have my own business, and know how to keep a checkbook. Or at least I used to. I thought this on-line checking downloading was going to make my life easier, not more complicated. I know the difference between what's technically available and 'mine' to spend and what is not -- at least according to my own records. But I started questioning my own bookkeeping entries when things continually were not jibing with what was showing as 'available'. It certainly isn't about over spending.

Sometimes I would find things under 'pending' that would totally disappear from pending -- NOT to be shown under transactions completed -- only to reappear a week later (not days, mind you and more than 5 business days). One transaction was with a personal friend, and I was concerned as to whether she actually got paid or not and was ready to give her cash when ... wah-la it magically appeared under the transaction completed after it had disappeared from the pending transaction portion for more than 7 days.

Yes, a person has to be responsible. For sure. And sometimes 'automatic' charges appear from -- oh say an internet site you did business with 30 days previous -- that suddenly charges something NOT AUTHORIZED. So don't judge us until you've walked a mile in our mocassins.

Clearly unless a person has experienced what those of us having problems with Region have experienced, you simply don't understand what we are talking about.

Are they the only bank to do such things? Probably not. But I sure in all my years of banking haven't had to have as many discussions with my branch manager and customer service rep in such a short period of time to figure out what happened to my money.

Posted by starborne on 2008-06-17:
Just for grins, thought I'd check my Regions account since I was up late. All THREE have 'projected' monies balances in error showing both 'pending' transactions with the same transactions as already processed. So supposedly I'm overdrawn in two of my checking accounts and have more money in my savings account than I'm suppose to.

Can't wait to see what kind of overdraft fees they're getting ready to charge me with tomorrow.

And can't wait to join the class action suit . Don't know if it's for real or not, but you can be sure I'm checking it out. For those interested ...

Regions Class Action Information
The time has come to step forward and take a stance. BadRegions.com's legal advisors want more documentation! We need to review ANY DOCUMENTATION of questionable business practices. Please mail copies of any information you feel is relevant including statements, deposit tickets, ATM receipts, bank corrospondance and/or online account screenshots.
Do not send original documents, only send copies.
You may black out any displayed account numbers on your copies prior to sending. Do not black out the original document.
Include a letter with your documents that clearly explains your complaint. Use highlighters or footnotes on the copied documents to explain your complaint.
In your letter, tell us if our attorney's may contact you. If so, indicate the best time and method for contact.
Mail your information to the address at the top right of this page.

Posted by danielli1012 on 2008-07-27:
$280 in fees...This is how it happens (note that I everything on 07/22 was pending - nothing had cleared yet but because it dipped under for a few hours I was hit for ALL of the transactions that occurred after the auto debit that hit at midnight):

07/23/2008 CHK CRD RACK ROOM SHOES CLR $84.77 $608.08
07/23/2008 DEBIT ATM MINI STATEMENT FEE CLR $2.00 $692.85
07/23/2008 TRANSFER EB FROM CHECKING # 0077303806 CLR $130.00 $694.85
07/23/2008 ELEC CRDT BANK CREDIT FEE REFUND CLR $105.00 $564.85
07/23/2008 DEPOSIT DEPOSIT CLR $500.00 $459.85
07/22/2008 NSF FEE RETURNED ITEM FEE CLR $35.00 ($40.15)
07/22/2008 NSF FEE PAID OVERDRAFT ITEM FEE CLR $245.00 ($5.15)
07/22/2008 CHK CRD MCDONALD S F312 CLR $5.93 $244.70
07/22/2008 CHK CRD TGI FRIDAYS #04 CLR $35.24 $256.61
07/22/2008 CHK CRD APPLEBEE S #135 CLR $52.25 $291.85
07/22/2008 DEBIT WAMU/PVN PAYMT CREDITCARD CLR $500.00 $344.10 <---this hit at midnight of 07/22 causing a negative balance
07/22/2008 TRANSFER EB FROM CHECKING # 0077303806 CLR $300.00 $844.10 <---ANOTHER TRANSFER TO BE SAFE
07/22/2008 CREDIT CREDIT-RETURNED CK# 3014500395 CLR $6.00 $44.10
07/21/2008 DEBIT COUNTRYWIDE MORTGAGE CLR $6.00 $38.10
07/21/2008 CHK CRD CHICK-FIL-A #01 CLR $6.69 $44.10
07/21/2008 ATM DEBIT REGAL ENTERTAI 10028 GULF CE CLR $7.00 $50.79
07/21/2008 ATM DEBIT REGAL ENTERTAI 10028 GULF CE CLR $7.00 $57.79
07/21/2008 CHK CRD REGAL GULF COAS CLR $9.00 $64.79
07/21/2008 CHK CRD MCDONALD S F312 CLR $9.52 $73.79
07/21/2008 ATM DEBIT PUBLIX 16520 S PUBLIX 16520 CLR $9.53 $83.31
07/21/2008 ATM DEBIT REGAL ENTERTAI 10028 GULF CE CLR $14.00 $92.84
07/21/2008 CHK CRD CHINA INN RESTA CLR $21.73 $106.84
07/21/2008 CHK CRD OUTBACK #2025 CLR $44.88 $128.57
07/21/2008 ATM DEBIT TARGET T2059 L TARGET T2059 CLR $64.23 $173.45
07/21/2008 PAYMENT EB TO Lee County Ut CLR $64.37 $237.68
07/21/2008 ATM DEBIT PETSMART PETSMART CLR $95.29 $302.05
07/21/2008 PAYMENT EB TO David Berthel CLR $163.50 $397.34
07/21/2008 DEBIT FPL DIRECT DEBIT ELEC PYMT CLR $265.43 $560.84
07/21/2008 DEBIT COUNTRYWIDE MORTGAGE CLR $1,144.73 $826.27
Posted by laklisa on 2009-08-15:
I am a Regions customer, for the last 8 years. I have fallen "victim" myself to the over-drawn fees...but it was my fault and did not complain. However there has been one time where I deposited a check to cover a sale I was going to make that night. However the deposit was made after 2 and of course it did not post in time for the sale...I was considered over drawn and got 5 nsf fees charged. I was upset to say the least. I called them to see if I could get some of them removed...I got an awesome rep who explained what happened. She also removed ALL of them removed. That spoke a lot to me! So I am now a loyal Regions fan.
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Regions Bank - Inept Again!
Posted by Tnchuck100 on 01/19/2011
BIRMINGHAM, ALABAMA -- Update #3 - 02/04/11 has been added at the end

Update #2 - 01/24/11 has been added at the end

Update #1 - 01/20/11 has been added at the end

This time they have shown my son how inept they are.

Several months ago my son used his Regions Bank debit card to pay his Geico insurance premium.

About Nov. 3, 2010 he closed his account with Regions Bank. No items were outstanding at the time of the closure.

A change was made to his insurance policy which resulted in a $26.49 refund due from Geico. He instructed Geico send a check via the US Mail. On Nov. 18, 2010 Geico refunded the money to the closed account. So, at this point Geico has initiated the problem.

Now enter Regions Bank to compound the problem. Regions cannot post this money to a closed account. They do not return it to Geico. They hold it and wait for my son to contact Regions. (This is according to a Regions CSR) My son would have had no reason to call Regions - the account was supposed to be closed!

A month passes - no check from Geico. He calls Geico. Geico spends an hour trying to find out what has happened. Now he finds out that Geico has mistakenly sent the refund to Regions. Geico says they will retrieve the money from Regions and send him the check.

Now, here is where Regions really screws things up. Geico requests the return of the money that could not be posted to a closed account. What does Regions do? You guessed it! They debit the closed account on Dec 23, 2010 for $26.49. (Regions CSR states they do not officially close an account for 30 days in case there are outstanding items that have not cleared.) Problem: This account has already been closed for 50 days!

The only way he finds out about this disaster is Regions sends him an overdraft notice. So, he calls Regions and appears to get a solution figured out. They found the money but they cannot just erase the overdraft condition. They state they will send a check and then he can go to a local branch and deposit the check to clear the overdraft. Well, two weeks and no check.

Update will follow.

Update #1 - 01/20/11

Went to the local branch. The story is now they will honor ACH debit card transactions for an indeterminate amount of time after an account has been closed. That's right, at some point they will refuse them but not to any time frame they will disclose to the customer.

As it stands now the account will not allow any posts of any kind. Not even to clear this overdraft condition. The branch manager says they should have this straighten out within a couple of days. My confidence level is about 75%.

Stay tuned for more details as they become available.

Update #2 - 1/24/11

The check Regions stated they would send was finally received. It was taken to the local Regions branch in an attempt to clear the account once and for all. The Regions cashiers check was signed and accepted for deposit. I presented the manager with a letter stating that the depositing of this check would clear the account and result in a complete closure. She refused to sign the letter.

The reason is they must be certain there are no other outstanding transactions that might need to clear. Two times I was asked if I was sure there were no more outstanding checks to clear. I could never get her to understand that only Regions had done anything with the account since it had been closed. At this point they absolutely refuse to acknowledge the closure of this account.

I don't think this is over yet. I will keep this updated.

Update #3 - 2/4/11

Four emails have been since Jan 25th in an attempt to get written confirmation that the account is, in fact, 100% closed and no other transactions can possibly take place. The last one was sent today and finally received this response:

"Your account is closed and nothing else will come through it unless you've authorized it."

As you can see Regions leaving the door open for anything to happen and CLAIM he authorized it. They refuse to acknowledge that the last transaction after the account was supposed to be closed was NOT authorized.

Regions Bank has proven complete incompetence through this entire process and steadfastly refuses to confirm the absolute closure of this account.

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Posted by Anonymous on 2011-01-19:
It seems to me this credit should not have gone through and should have just bounced back to Geico. Another instance of a bank keeping someone else's money to their advantage and they weren't even following their own rules (30 days). Unbelievable!
Posted by trmn8r on 2011-01-19:
Transactions on closed accounts that are kept open to some extent do cause issues. I had the same thing happen at BoA. They did credit maintenance fees that were triggered by this post-closure activity, but it was a hassle. Whether the root cause is for customer convenience or they hope to collect fees I don't know.
Posted by Anonymous on 2011-01-19:
The suspense is killing me.
Posted by Alain on 2011-01-20:
Looking forward to the update.
Posted by Anonymous on 2011-01-20:
Posted by tnchuck100 on 2011-01-20:
msnanny and madC, if you took the time to read and comprehend the entire review you would have seen that Geico was blamed for the initial event.

Anyone with more than two connected brain cells should be able to see the bank made the the most severe errors. They violated their own rules.

As usual the customer (in this case Geico) makes a mistake and the bank does every thing in its power to make the situation worse.

Overdrafting an account that has been closed for over 30 days is incompetence any way you cut it.
Posted by jktshff1 on 2011-01-20:
Good luck tnchuck...keep us posted
Posted by Sparticus on 2011-01-20:
I just saw a commercial for this bank last night. First time I've ever heard of them. It was a very pleasant commercial which almost had me thinking I should check them out.

This review has me thinking otherwise. What a mess!
Posted by Inat on 2011-01-20:
this is where the american public education system really shines! In no whatsoever should this issue ever occurred - the money from geico should have simply bounced back to them when they tried to do the EFT. But somewhere, some inept process/policy allowed it to happen and the "I-only-do-as-instructed" CSRs dont have enough critical thought to realize it doesnt make sense. DO you ever think that more jobs should actually require a college degree?
Posted by tnchuck100 on 2011-01-20:
Inat, in many cases today even the college educated employees that can see obvious problems are prohibited by corporate policy from using any form of comment sense to do what is right. This defect is evident though much of corporate America.
Posted by skelly39 on 2011-01-20:
Ugh. This is why I hate banks. I think your description of them as "inept" is far too kind. I don't know that it is a matter of lack of critical thinking so much as the "I don't care" attitude. I, too, am waiting to hear if they correct this problem.
Posted by tnchuck100 on 2011-01-20:
Update #1 has been posted.
Posted by tnchuck100 on 2011-01-24:
Update #2 has been posted.
Posted by Anonymous on 2011-01-24:
Exercises in frustration.
Posted by tnchuck100 on 2011-02-04:
Update #3 has been posted.
Posted by jktshff1 on 2011-02-06:
Still going on what a nightmare chuck. My wife's company recently closed all accounts with Regions because of similar problems.
Posted by poorman on 2013-01-19:
Closed and paid off an account with Regions in 2010 got a closed statement 0.000 Oct. 2012 could not get a $200 increase because my credit had a bad mark because they forgot to close the account.I went from a top rated credit score to a deadbeat in just 30 days.I am still trying to get it corrected on Jan 2013. thank you Regions for destroying my good credit
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Seizing of Pension Check
Posted by Raped Retiree on 03/29/2010
CLINTON, ILLINOIS -- On 03/03/2010 Regions Bank allowed a non-wage garnishment to be placed on the individual checking account used for receiving ACH's from pensions in direct violation of Illinois Statute. Regions Bank did not bother to see what was presented for deposits in this account and whether or not exempt from any form of garnishment. I realized the problem on 03/04/2010 when I checked the automatic teller 1-800 number. 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, who seemed not to understand nor would do anything at this time. I finally got the garnishment removed by court order on 03/24/2010 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 loose my residence, car, and everything else I've worked towards for 35 years in this community. I wrote protest letters during the evening of 03/26/2010 to the various Regions Bank offices and they should have gotten these. I have made an appointment with an atty. in Decautr, 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 non-wage garnishment was only for $167,000 from a catestrophic 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 Dept. 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 and onto others. I asked as well as to what reasoning the bank manager was using to deny the return of the pension funds and with his distorted logic and he indicated it was not a bank error. I asked for his supervisors name and he refused to indicate who that would be at the Decatur, IL main bank regardless of several attempts to inquiry on this name since it was a secret! When a Bank decides to do this to an extremely ill pensioner with severe medical conditions causing a slow and painful death because I could not get the critically needed prescription medicines 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 - shylocking the unfortunate client suffering from the aftermath of a brain anueroysm. There seems to be a continuing pattern for Regions Bank in this type of operation to increase profits, employee bonues on the backs of customers using who have used this shyster financial institution.
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Posted by Anonymous on 2010-03-29:
Don't blame the bank. They were only following the court order. Regions, nor any other bank makes the decision to not allow certain funds to be attached as a garnishment. They simply abide by the court order and freeze the account in question listed on the order as they are required to by law.

YOU, as the consumer, must fight the lien with a counter motion or slow pay, with proof to the court that the funds in the account are from an exempt pay source, which it seems that you did. Now, it is up to you to fight the court to try to be reimbursed, though I doubt that will happen.

Before the attachment, you would have been notified by a summons to appear in court over whatever debt the lien is for, so you should have known that someone was trying to collect a debt. Unless it is a government loan of course.
Posted by Alain on 2010-03-29:
You've indicated you have contacted an attorney. A very good idea given the magnitude of this event. You may want to hold off on further public comments on this situation until your attorney advises you since these comments might conceivably affect your case.
Posted by Raped Retiree on 2010-03-30:
I managed to get this tragic affair overwith today at the Main Regions Bank in Decatur. If a non-wage garnishment is active and in place on a personal checking account; A bank can not be charging INSF fees at the same time. This is considered to be a predatory banking practice and illegal in Illinois. The assessments & fees were remitted at 4:30PM CDT and I got the money out of the checking account and closed it before anythying else happened. I am keeping trsck of the merchant INSF fees because when I have it all complete, the responsible bank manager will be send a dun notice demanding payment with a 30 day window before I take legal action. Failure to respond in any event means a contempt of court process and I'd love to put a "mechanics lien" on anything he pays for. I will file a small claims action since he screwed this all up and he was just all snickers when I advise him what was coming his way. I guess some "Einsteins" think they are safe but you can't fix stupid.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Don't Use This Bank
Posted by Raacabello on 08/19/2012
This bank likes to keep your money one way or another. I lost $275.00 dollars. If its too late and you lost money w/this bank you can file a complaint w/the consumer financial protection bureau at 855-411-2372.
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Posted by trmn8r on 2012-08-19:
Can you explain why I shouldn't use Regions Bank? What happened to the money?
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Regions Bank cannot replace compromised debit cards efficiently
Posted by Tnchuck100 on 03/17/2010
BIRMINGHAM, ALABAMA -- Regions Bank has lost the ability to replace compromised debit cards in an efficient and effective manner.

I received 5 calls on my answering machine from "1-800-737-4667 UNKNOWN NAME" instructing me to provide a 1-800 number and an appropriate message for my client. What the???? I did some internet research and found the number was for Regions bank.

In an email to Regions Bank I was told that Heartland Payment Systems had compromised some debit cards. They were calling me because I had not activated the replacement card. I had not received any replacement card.

I went to my local branch to look into this further. I was told by the manager that there was no replacement card issued on my account. I asked that the 1-800 calls be stopped. They did not stop.

I then called their main office and was told that there was, in fact, another card issued. I told the CSR that I never received the card. She said she would send another. The replacement was received. The information included with the card stated the PIN was the same as the old card. It was activated. However, when I attempted to use it it was declined for a wrong PIN. Regions had assigned a new PIN without telling me what it was. When I called to correct that problem I am told they cannot tell me what the new PIN is.

That was the last straw. I have a debit card that has been compromised, a card that is lost in the mail, a card that is active and that only Regions knows the PIN.

No more putting up with their corporate ineptness. I cashed out my CD's (matured) and my checking account. Good bye Regions Bank.
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Posted by Anonymous on 2010-03-17:
"corporate ineptness" is putting it mildly. I'd can them, too.
Posted by DebtorBasher on 2010-03-17:
No bank will give you any PIN information over the phone. They will only mail that info to you and for good reasons too.
Are you saying that the PIN was INCLUDED with your replacement card, or it just stated it's the same as the old number? They should NEVER include the PIN WITH the same mailing as the card. Any company I've ever dealt with credit card/Bank Debit Cards, they always sent the PIN info in a seperate mailing about a week later.

Good info Chuckie...
Posted by PepperElf on 2010-03-17:
some banks will mail the pin separately
while others let you call them up and change it over the phone

however this bank does seem mismanaged
and i can understand wanting to get away from them if this is how they handle compromised accounts
Posted by Slimjim on 2010-03-30:
Banks are evil. I've heard credit unions are the way to go.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Southwest Little Rock Branch Scamming Elderly Customers
Posted by Sljmyers on 12/02/2013
LITTLE ROCK, ARKANSAS -- My elderly mother has been scammed by several staff members at the Southwest Little Rock Regions bank. This has resulted in my Mother paying more fees than she would have to pay and she is on a low fixed income. This is outrageous and criminal. My Regions branch in Birmingham, AL is great. I am sure that there are good and bad branches and a bad branch to avoid is in SOUTHWEST LITTLE ROCK, ARK
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Lack of Credit Card Competitiveness
Posted by Padepriest on 09/17/2013
TUSCALOOSA, ALABAMA -- Inadvertently discovered wrong birth date and drivers license number on my account. no explanation given.

When I shopped other credit card offers in order to do a balance transfer I found out just how much I had been ripped off all these years. found an 18 mo, no interest balance transfer with another major credit card company. Yes, there is a transfer fee but when you compare the monthly payment to pay the card balance off in 9 or 10 months with Regions, it is well worth it. I trusted all my accounts and business to Regions for 40-years beginning with First National in 1973 and stayed onboard through two other acquisitions. I prefer all my business transactions stay with a sole source firm. however, the 24.99% rate has become more than I can endure financially. I used to be proud to be a customer of Regions and feel really sad to be looking elsewhere after all these years.

Oh, by the way I want to mention I called to discuss any promotional that might be available for the payoff and customer service said she would would look into a better interest rate due to the fact that I had been doing business with them for so many years. I was told to call back in 24 hours to get the results of the review.

Northport Al
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Posted by Mboone888 on 01/27/2012
I simply ordered a prepaid debit card. I found a local Regions Bank with a ATM for deposit. I arrived and found the ATM would not accept deposits so I went inside to make my deposit knowing I would be charged $2. After nearly 1/2 hour I was told they would not accept my deposit. I threw my new card in the trash! DONE!
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Posted by tnchuck100 on 2012-01-27:
This would have probably been a very helpful review if some details were provided.

What was the reason they gave for not accepting the deposit? Had you placed money on the card before? Where?

Did you have an account at Regions? Did you close your account (if there was one) or just throw the card in the trash for a dumpster diver to retrieve?

Details, need details.
Posted by Dukemom on 2012-01-27:
Where's the fraud?
Posted by too lazy to log in on 2012-01-27:
indeed where's the fraud?

was it because you had to wait for a teller?
was it because the ATM was down?

I mean... sometimes there's lines. Banks have more than one customer. and sometimes machines break. especially since more than one customer uses them.

and as stated above you didn't say why they wouldn't accept the deposit.

so i don't see where there's any fraud
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Release on Pre Authorization
Posted by Seahag57 on 01/12/2012
TALBOTT, TENNESSEE -- I attempted to make an on-line purchase December 2, 2011. At the end of the transaction I was told I didn't give the proper address on my credit card, and that the transaction was cancelled. The funds for this transaction were taken out of my account anyway. I called the bank a few minutes or so after this, to get any information I needed. I was given the stores Merchant#. This pending transaction reflected on my online banking and on my phone banking. (in other words there was audible proof and visual proof of my transaction). I decided to wait and see if my package would be delivered, but, it wasn't. I began contacting the merchant that I was dealing with about two weeks later. They told me I had to contact Regions bank, when I called Regions bank I was told to contact the merchant. I also looked on my on line banking website (and phone) for the refund. There was no recording or visual proof of it on either one. I thought this odd because the first day I called Regions Bank I saw this on my account transactions page. I called the merchant and they said that the money was refunded on Jan 5, 2012. I have not seen the money reflected back into my account. I called a Regions representative and was told I would have to sign an affidavit to get my problem solved. Is this necessary? I keep up with my account everyday.
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Posted by TNCHICKADEE on 2012-06-09:
It sounds like the company you ordered from was using a risk-reducing tool (or trying to) by attempting to link, i.e. your billing zip code associated with your card to the zip code you provided. However, the code in their payment processing software appears to be missing some vital parts b/c it either:

1. didn't verify / compare the 2 addresses and gave you the wrong response...and a perfect storm occurred where the shipping dept wasn't told to send your purchase to you.

2. did verify it, saw that it was wrong, but their programmer did not set up an action code to essentially say "if 2 addresses do not match (done), notify customer that transaction is cancelled (done) and remove from the batch (not done, but doing so would have prevented the payment from processing) and product order list (done)".
Too bad all of their "mistakes" are in their favor.

They got about half of it right, LOL. Some people should not be processing payments!

I would keep the affidavit that you signed and keep in mind that you can "reverse" a credit card transaction AKA CHARGEBACK the transaction. There is a time limit on this. Merchants despise dealing with these and I would take the bet that they would call you pretty quick if you called your credit card issuer and charged the transaction back due to failure to receive goods or services.

hope that helps!
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