DAVID MARSHALL BROWN, P.A., TENNESSEE -- They are just terrible! Froze my corporate account without warning during a time of National Crisis without even informing me because someone tried to defraud me in an unrelated account. Then, after hours and hours on hold some of their honest employees told me it was a "back office" decision that I would be issued a check more than two weeks after they froze my account IN THE MAIL! I asked if I could simply close my account and withdraw MY MONEY and I am told NO! Of course, we are in a time of National Emergency and I have rent and other obligations I cannot pay, not to mention groceries because I cannot access over $7K of MY MONEY!
Received their letter and the cowards did not have the decency to put an address, e-mail address or even a phone number for contact on the letterhead! They are not to be trusted with your money! I have a pending Federal Complaint, but of course they are waiting to the last minute to respond. Meanwhile they advertise constantly for us to go get them money from the Federal Government. When I posted warnings about their underhanded practices, they shut down all comments. Eventually I will get my money and I think I will use it for court filing fees to sue the unconscionables.
ALABAMA -- I am so over this bank! They charge you NSF fees of $34 if your account overdraws by even $0.01. I understand the account is negative, but, come on. They will also charge an NSF fee if their monthly service charge makes your account go negative. They pay debit card transactions that would normally decline on your check card but if that merchant has billed your card before (a reoccurring charge) then they will pay that and charge you the NSF fee, of course! Even though it should decline the card. They are fee hungry and their customer service is completely worthless. I have switched over to SoFi, there are no fees and if you don't have money in your account they decline the transaction -- as it should be! I will NEVER bank with Regions again. PERIOD.
HUNTSVILLE, ALABAMA -- I am about to close out my Regions Bank, not because of those fees, but the combination of excessive fees, failure to update online bank information in a timely manner, poor customer service e-mail response, long delays when calling customer service, long wait when waiting to talk to branch employees and my pet peeve - unable to answer questions and failing to follow up with phone calls.
The most frustrating problem was manipulation of daily deposits and withdrawals so that the maximum fine could be charged. Not once did Regions try to work with me and whether it was a weekly unemployment check back in 2010 or this year with a direct deposit of $1750/week. They always charged a "just in time" fee. For instance, I would check my Thursday night balance and see I have maybe $400. But Friday morning even with $1750 posted they would fine me $70 for a Thursday night overdraft. When I called them they would claim, "Our online service does not guarantee the amount posted is available, and you agreed to this when signing up for online banking".
The other excuse was, "We do our last batch processing at MIDNIGHT". So at midnight a $12 overdraft includes a $36 fine and then at 6 AM Friday morning (6 hours later) the direct deposit is posted and available. Whatever way they can legally and unethically take money from you they went out of their way to exploit this. I recall going to a Title Loan/Payday Loan and telling them, "The difference between you guys and Regions Bank is you tell me up front what the fee will cost". When I can trust and turn to the local Title Loan/Payday Loan company as opposed to Regions Bank that makes my point.
I am tired of them and as they claim to "be listening to their customers" and this was a lie. The reason Regions ended Debit Card Fees is because Bank of America and Wells Fargo had already announced they cancelled their debit card fees. I do not believe Regions would have cancelled any fee if these other banks didn't do it first. As for Wells Fargo, they may charge fees, but their customer service and their branch staff always addressed my concerns in less than 10 minutes.
TUSCALOOSA, ALABAMA -- Inadvertently discovered wrong birth date and driver's 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 on board 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 because 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.
TALBOTT, TENNESSEE -- I attempted to make an online 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 online 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.
MOBILE, ALABAMA -- Enough is enough. I live on a really tight budget. It's bad enough that I was laid off due to the economy but now, I wish I could give 1/2 a star. My adoration for Regions Bank has gone from satisfaction to extreme hate. Everyday there seems to be a problem. For example, a company put through a check 4 times for the same amount. They went back and listened to our phone conversation and admitted that they were in the wrong. Instead of Regions going with the facts, they charged me their returned check fee... 4 times!!!
Now, I just looked at my account, online. I had 6.38 in there. Not anymore!! Why?! Because they charged me 4.00 for the debit card fee + 10.00 monthly fee!!! ARE YOU SERIOUS!!! That little bit of money was to used to buy milk for my family!!! Now we have nothing. Thanks a lot!!! I guess you don't care if kids go hungry tonight right?!?!?!
I've been using Regions Greenchecking for quite a few years now. They charged me 5.00 a month because my SS deposit is only 475.00. This is ALL I get to live on so I have to really be frugal to the max. NOW I was just informed by mail and email that they will be charging me 10.00 a month plus 4.00 a month to use my Debit card!!! $14.00 might not seem like a lot of money to someone who makes a decent living, but to me it is a crime! I guess I can skip eating one more day a week. This is no joke.
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.
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 obstinate 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 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 non-wage garnishment 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 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 supervisor's 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 aneurysm. There seems to be a continuing pattern for Regions Bank in this type of operation to increase profits, employee bonuses on the backs of customers using who have used this shyster financial institution.
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 or 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 an 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.