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Regions Bank - Inept Again!
Posted by
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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Anonymous on 01/19/2011:
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!
trmn8r on 01/19/2011:
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.
Anonymous on 01/19/2011:
The suspense is killing me.
Alain on 01/20/2011:
Looking forward to the update.
Anonymous on 01/20/2011:
tnchuck100 on 01/20/2011:
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.
jktshff1 on 01/20/2011:
Good luck tnchuck...keep us posted
Sparticus on 01/20/2011:
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!
Inat on 01/20/2011:
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 don't have enough critical thought to realize it doesn't make sense. DO you ever think that more jobs should actually require a college degree?
tnchuck100 on 01/20/2011:
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.
skelly39 on 01/20/2011:
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.
tnchuck100 on 01/20/2011:
Update #1 has been posted.
tnchuck100 on 01/24/2011:
Update #2 has been posted.
Anonymous on 01/24/2011:
Exercises in frustration.
tnchuck100 on 02/04/2011:
Update #3 has been posted.
jktshff1 on 02/06/2011:
Still going on what a nightmare chuck. My wife's company recently closed all accounts with Regions because of similar problems.
poorman on 01/19/2013:
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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Prepaid Visa
Posted by
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, Iâm 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 didnât 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 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.
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MRM on 02/24/2009:
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.
madconsumer on 02/24/2009:
these pre-paid cards cannot be used outside of the united states. it states this on the agreement.
DarnVisa on 02/24/2009:
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
DarnVisa on 02/24/2009:
MRM, can that card be used with PayPal???
rafael on 09/02/2012:
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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Seizing of Pension Check
Posted by
Raped Retiree
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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Anonymous on 03/29/2010:
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.
Alain on 03/29/2010:
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.
Raped Retiree on 03/30/2010:
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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High Fees with Terrible Customer Service
Posted by
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 an 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
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trmn8r on 11/08/2011:
Banks need to make money one way or the other. It is simple economics. They *are* providing you a service, they have employees and bills to be paid, and they have investors that expect a return also. This is related to why they tested the debit card fees you speak of, which are unrelated to your issue. If *something* didn't have a fee, they would go bankrupt.
Most all banks have the fees that are at the center of your complaint - overdraft/low balance fees. The cure for this is in your power - keep your balance positive. The bank will not "work with you" to make accommodations for letting your balance go negative. At least not more than once.
You mention BoA and Wells - they have the same o/d fees you are complaining about.
Churro on 11/08/2011:
As a customer I couldn't care less about the 'simple economics' of a company's business plan or what bills they have to pay. That's their concern not mine. As a customer the only thing I concern myself with is value. Whoever can provide me the best value will get my business. These days the big national banks are not a value play for your average bank customer. Most people will be better served by locally owned community banks or credit unions. Especially considering a recent change in the law that favors the local small guys.
Do yourself a favor and check out the locally owned banks and credit unions in your area. You'll be glad you did.
Old Timer on 11/08/2011:
The debit card fee was a minimal $5.00. Which could be waived by having a minimum balance or another service with a bank. The real issue is how Regions, BofA, Wells Fargo etc line up credits and debits to maximize OD fee's. Even though a big bank knows there are available funds they will delay posting an available balance for 4-5 hours to allow debits to OD and account. Then they line up the debits to maximize the OD fees. ie: if there are 5 debits, they will OD the account with the largest one first which makes the other four all go NSF. They could have paid four smaller debits and bounced one large one. But they chose to pay the large debit with any available funds which gets them four NSF fees instead of one. This is after the fact that the account showed available funds online.
Yeah, I know, read the fine print yada, yada, yada. The big banks can do what they do because you have agreed to their terms.
These are the actions that have got the big banks into the most hot water and dragged before congress and the courts. Yes, keeping a positive balance will eliminate these problems. However, having a big bank working against you at every turn when times are tight and tough does not help one bit.
Yes, going to a small local bank or credit union will help a great deal as they will try to work with a person. But you still have to have the money in the account when the debits come in or they will hit you with fees too.
leet60 on 11/08/2011:
The real basis of the issue, based on the complaint, appears to be that the OP elects to utilize the "online" or "ATM" balance, rather than keep an accurate ledger of the account. Keeping an accurate ledger, entering even the SMALLEST transaction daily, would have avoided the fees.
CowboyFan on 11/08/2011:
Don't blame others for your failure to keep track of what you spend out of your account. No on-line balance will ever match what has been spent out of the account, because only you have that information.
Banks have a logical reason for lining up debits from highest to lowest: the largest are usually the most important. Would anyone want a monthly payment to their credit card company not paid with its attendant penalties and rate increases, so that 4 small debits to Starbucks and donut hut are paid? Of course not. That is why the largest is paid first, followed by the smaller. Once a procedure is chosen, the bank has to follow it in all cases and cannot make a decision as to which of the debits or checks to pay.
Old Timer on 11/08/2011:
Ummm, Cowboy, BofA was sued and lost the case for playing the max the nsf fee game. Now they pay or decline as they come in, not by order of how they can butcher their customer the best way possible.
That being said, a positive balance can and will keep the big banks out of your back pocket.
CowboyFan on 11/08/2011:
Thank you for that information Old Timer.
Eddie on 11/11/2011:
I offered any of my coworkers $25 if they pulled all their money out of and closed their Regions account(s). These guys nor get #1 as the biggest law abiding crooks I have ever dealt with.
What I learned about their practices if I am in a store and the opportunity presents itself I will NOT hesitatr to encourage them to close their region bank account(s) and use Restone Credit Union.
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Poor Customer Service
Posted by
ATLANTA, GEORGIA -- My family has taken out two Mortgages through Regions Bank. I Had also been a loyal customer of Regions Bank Customer for over 12 years. About 6 months ago, my state Identity and Regions Bank card was stolen and all my funds were drained from my account. Regions Bank assured me the problem would be taken care of and I would not be held responsible for any of the debited funds. The person who stole my identity also used fraudulent checks (not my checks) to withdraw money from my current balance. (Eg. He used stolen checks and cashed the stolen checks at a Regions Bank. The transaction was taken by a Regions Bank Employee who then cashed the fraudulent checks on my account. When the checks were returned, Regions bank charged my account for the Fraudulent Checks and the funds were debited out of my account for the amount of the Fraudulent Checks. )
I waited for over 5 months for some action to be taken. I took all necessary steps in which Financial Advisors Sean, Mia, and Michelle asked of me at Regions Bank Cheshire Bridge. I was told I would be contacted by their Corporate Security Officer Frank and he would be the one to tell me when the funds would be released. It is now 6 months later and I have not received $1 of the large sum of money that I was told I would not be held responsible for. The last conversation I had with Michelle is that Regions were exiting their relationship with me after 12 years and goodbye. I will be contacting the FDIC and also the BBB. I plan on posting this review on every possible review web site. DO NOT BE TAKEN ADVANTAGE OF LIKE I WAS. Regions does not stand behind their protocol or any of it's policies with the FDIC. Everything in this statement is true and I will stand behind everything stated. This has destroyed my credit and also my trust in any banking system.
Justin Walley
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saj80 on 03/23/2011:
If you notified the bank within 5 days of noticing the error, your liability is limited, and they are also required to grant you provisional credit until their investigation is complete. This entails you obtaining a police report and signing a fraud affidavit, which I assume you did, as the bank should have assisted you with this process. Once this is done, the investigation must be completed within 30 days, with notification of the results of the investigation provided to you at that time. If your fraud allegation is upheld, you have nothing else to do. Also, during the time of the provisional credit, you can not be charged overdraft or insufficient fund fees.
Anonymous on 03/23/2011:
Customer loyalty means didly squat to banks & businesses. Its all about the bottom line.
trmn8r on 03/23/2011:
Customer loyalty would have little involvement in this matter, with the possibility of identity theft and fraud.
tnchuck100 on 03/23/2011:
From my own experience I can tell you Regions Bank cares little about their customers. They won't even follow their own "policies" let alone show any up-front concern for the law. They will play the odds that the customer will just suck it up and go away. Hopefully the OP can get their attention through FDIC.
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Applying Overdraft Fees When They Shouldn't
Posted by
SEMMES, ALABAMA -- My wife and I with our 3 children recently moved. Before doing so, being so close to the end of the month, meaning the 1st of the month was right around the corner, we carefully budgeted ourselves for this move, so we wouldn't cut ourselves short for the 1st of the month. Every penny at this point counted therefore we counted each. Not knowing at the time Regions was too. (For their own purpose).
Here it is the 31st, my direct deposit posted today, we were supposedly still doing good (by our records) the 1st is looking better than we thought. I get online to go on with my reconciliation of the month, budget the upcoming month, when low and behold my account is negative 51.00. When my direct deposit went through, I was negative $560 and some change. I couldn't believe it. Screamed for my wife - (her being a bookkeeper) asked her to review, of course she couldn't make heads or tails of the entire situation not for sure if it was the tears or the shock. She quickly grabs the calculator goes through our records - then the online register - then prints out a bank statement.
Back on the 22nd of Oct, Regions charged us $105 in NSF when were had a positive of $14.99. Granted we knew it was going to be low, On the 23rd a debit charge of $9.03 was posted and yet another $35 NSF was charged. On the 24th my Direct Deposit was posted, and the negative was with drawn. Now on the 28th I was charged $280 in NSF then on the 29th another $70 in NSF and on the 30th yet another $70 in NSF!!! I am not a rich person, my wife and I happily live just a little better that pay check to pay check, but only by sticking to our budget. My entire paycheck for one week went straight to NSF which clearly snow balled only because of the $105 in the beginning.
So my wife and I, race to the bank before they closed. Make it (my wife is fired up with foot tapping - when she gets like this she usually doesn't give in so I thought, "I sure wouldn't want to be that teller). We get in the bank, my wife whips right past the tellers and straight to an office, tells the lady our situation and wants her to review our account. The lady does, and then explains that it was pending charges, and we should pay extra special attention to those pending charges. My wife left her no way out, explaining how good you charge NSF on a positive balance. The woman does not proceed past pending charges.
My wife explains that when the $105 was applied that our negative was only $90. So that itself shows their mistake. But nope the woman is still blaming us and pending charges. Now I do not have any money at all. I am outstanding $51 to Regions, with 2 other checks coming through. My records show I should have $667 to the good. I worked an entire week for nothing. Only to pay Regions who is supposed to be working for my money.
There has to be something legally we can do. But how can we afford it now? I have no money for food for my children, and not for sure how I can even afford to get to work for a week. Not to mention the bills that are due on the 1st. I am closing my account this is for certain. I am going to see the Branch Manager Monday, I will get my money back so sort of way. I have to. My family will not survive!!!
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Anonymous on 11/03/2008:
From your descriptions, it appears you are initiating transactions when funds are not available in the account at the time. A sure way to get NSFs accessed. When a debit is initiated, a hold is placed on those funds. If there are not enough funds in the account, an NSF is accessed. It doesn't matter if it hasn't posted to the account yet or not. The days of floating transactions until they post are long gone. You would have gotten yourself in the same situation with any bank.
tnchuck100 on 11/03/2008:
Applying NSF's to PENDING transactions is NOT right. Some PENDING transactions may actually post for a lesser amount or not at all. The bank was NEVER OUT ANY MONEY! This is nothing more than legalized theft.
More people, like this posters wife, need to stand up and raise hell about it. Those who defend this practice must certainly be in the banking business or simply do not understand what is happening.
Anonymous on 11/03/2008:
Actually Chuck, although I don't generally disagree with you, here I do. When that 'pending charge' comes through, the bank is legally obligated to pay the debit when it is processed. They don't have an option to return it. There is no guarantee that a deposit will ever be made to cover the item.
Where I do take issue is banks that charge a second time when the item is processed, because the OD charges took the funds that would have covered the item.
To the OP, you might want to think about cutting up the debit card. Clearly, it is not your friend. Checks and cash will eliminate 95% of your problems here.
tnchuck100 on 11/03/2008:
Ken, there is also no guarantee the held amount will actually be posted either. The NSF should be applied ONLY when the bank has advanced money you don't have. Not just a speculation that the money MIGHT have to be advanced. Come on, Ken, stop defending these unethical bank practices.
yoke on 11/03/2008:
When the OP made the purchase they made it without enough funds in the account. If it did not go into 'pending" it would have been taken out right then and there and the OP would be in the same situation.
tnchuck100 on 11/03/2008:
Why do so many of you who are posting comments fail to see what these banks are doing to people? There is more to this than "spending money you don't have". Much more. Even when diligently using a transaction register these banks are exercising legalized theft.
Anonymous on 11/03/2008:
If a bank approves/pays an authorization then proceeds to charges a fee for being overdrawn then those fees should be covered under the Truth in Lending law. Like any other loan because that's exactly what's it is. A short term loan at obscene interest rates. The banks are legally playing the part of an unregulated loan shark. I agree with 100% with Chuck.
Anonymous on 11/03/2008:
A pending transaction means that the company you did business with sent a request to your bank to withdraw the funds.
That money is now gone and should be deducted from your total AVAILABLE balance.
If you go ahead and spend more than what is left AVAILABLE to you before that pending transaction finalizes, you will be overdrawn.
What is so hard to understand about that? It's not legalized theft by the bank, it's poor account management by the account holder. Don't people know how to decipher the difference between the account balance and the available balance?
tnchuck100 on 11/03/2008:
justcuz, what you (and most others who are defending the banks) are just not understanding is the banks are assessing fee on what MIGHT happen.
How would you like to receive a speeding ticket at a freeway toll booth just because you MIGHT speed? Simplistic analogy, yes. But it amounts to the same thing.
What about the gas pump that "authorizes" $75.00 but you only get $20.00 gas. Do you get it now? Probably not.
justcuz, don't feel bad. Most don't realize what the banks are doing. And, as it turns out, that is very much to their benefit.
Anonymous on 11/03/2008:
justcuz -- You have $50 in your account. You need gas so you slide your card at the pump then punch in your PIN. An authorization for $100 is submitted and approved by your bank. The $100 is deducted from your available bank balance. You only get $20 worth of gas. Should you be hit for an OD charge?
There's a world of difference between a pledge to pay and the actual payment. Charging OD's on a pledge to pay seems fairly ridiculous to me since no money changes hands on the pledge. It's a silly game concocted by banks to squeeze more money from their poorest customers.
tnchuck100 on 11/03/2008:
Crabman, it is refreshing to see at least one other person can see the crime being perpetrated on the poorest of America's account holders.
Anonymous on 11/03/2008:
And people wonder what that "Crabman for Prez" sticker on my truck bumper is all about....
Great comment Crabs!
Anonymous on 11/03/2008:
tnchuck..."Do you get it now? Probably not." - That was pretty blunt, but you're right, I don't get it. I understand banks are out to make money, but it makes no sense to me how come I haven't experienced this then if what you say is true. If what you and Crabby are saying is a fact, then explain to me why I don't receive NSF fees at either of the two banks I have checking accounts with? I use my debit cards daily, sometimes multiple times a day. I balance my accounts daily and I always know much money I have available to spend. When I go to the gas pump and slide my card and punch in my PIN, my bank doesn't authorize a certain amount to go through - it is up to me to know how much I have AVAILABLE in my account to spend and not spend more than that. If I have $50 in my account and I chooose to buy $75 dollars worth of gas, it is my fault for spending more than what I have available. That seems pretty simple to me - and I'm sorry, but it annoys the crap out of me how it's become too easy to blame the bank rather than take responsibility and actually learn how to manage a bank account.
Anonymous on 11/03/2008:
Fast food should be banned!
tnchuck100 on 11/03/2008:
justcus, in your own example: You have $50 in your account. You want $20 in gas. That leaves you $30. Right?
Wrong. The pump "authorized" $75. (OD $25) You get $20 in gas. NSF $35. Now you have negative balance of $5. This is not fair but it is the way they do it.
Please tell me you can see how it is unfair now.
Anonymous on 11/03/2008:
justcuz -- When you slide your card at the pump, put in your pin number and hit enter an arbitrary authorization is sent to your bank by the vendor. You have zero, nadda, zilch control of the amount of the authorization. In my area of the country and the stores I frequent that authorization is a dollar BUT it could just as easily be $50, $75 or $100 regardless of how much gas you get. Again, no money trades hands on an authorization. How can you possibly call it an overdraft until such time drafts are paid? Just slimy business practices if you ask me.
Anonymous on 11/03/2008:
How did the pump authorize $75? That's never happened to me at any gas station I've ever pumped gas at.
I slide my card, punch in my PIN, and pump my gas. If I stop at $20, $20 will be deducted from my account, no more.
Where does this happen at?
p.s. C2O, wrong post!! LOL
tnchuck100 on 11/03/2008:
justcuz, some gas stations and restaurants will do that very thing. It has never happened to me either. But it does happen and the banks are taking full advantage of it to the detriment of their account holders.
Anonymous on 11/03/2008:
Crabby, that's how it is where I'm at, a dollar is charged, they do that to verify that the account you are using is active and your account.
I'd like to know where it happens that more than a $1 is charged/held and I would like to see someone show me proof that a bank actually charged an NSF fee in a situation like this. IF this happens, it would be just cause for a major lawsuit.
Anonymous on 11/03/2008:
Here you go JC straight from Boa its self. http://feesandprocesses.bankofamerica.com/tipsandhints.aspx
Read closely "About your check card" and "Overdraft & NSF Fees". It clearly states the following.
"...be aware that the merchant may request an authorization and the bank may immediately reserve or place a hold on the equivalent amount of funds in your account to be sure there are sufficient funds to pay the debit when it's received. Note that merchant authorizations for certain types of purchases, such as dinner at a restaurant or the purchase of gasoline, may be higher or lower than the actual amount of the purchase and the actual amount that will be debited from your account."
"Remember that your account balance and the amount of available funds in your account may be two different things. Overdraft fees are incurred when you withdraw amounts larger than your available funds, not necessarily the account balance you see."
Anonymous on 11/03/2008:
I have the same T/C with each of the banks I have checking accounts with, it's worded that way because different businesses have different guidelines so this statement covers them all, but I've never had an NSF fee charged on either of my checking accounts.
so again, I'd like to see proof of a bank putting a hold on an account that was more than the actual amount deducted and then charging the customer NSF fees.
Anonymous on 11/03/2008:
Just to clarify... it's the merchant that places the hold, or at least decides the amount of the hold. The bank acts on what they receive.
I am also in an area where gas stations hold a dollar, so I have never had a problem, but if a station holds more than the purchase, seems to me the problem is with the station, not the bank. If legislation is to be made, it should be that the merchant can only hold the sale amount.
yoke on 11/03/2008:
As a consumer it is your job to ask an establishment how much extra they are going to put onto your card if you use it. They have to tell you. Example...you go to the gas station and put in $20. Before you pump you need to ask the attendant how much extra will go on your card. They have to let you know, if you don't that is your fault. If they tell you they are going to charge $75 then you leave and go to another station. I have never been charged more than $1.00. The pizza joint down the street used to do a double hold on it until patrons complained about it. They now do $1.00. It is up to Congress to change this, but we know that will never happen.
Anonymous on 11/03/2008:
OR simply choose a bank that doesn't ping you for OD's on authorizations. I'm like Chuck... I'm amazed at the lengths some go to defend these fraudulent bank practices. I personally think once a bank APPROVES an authorization then there should be no penalties for that transaction. The bank did OKAY it, right? And if consumer wants to be able to over authorize their account that should a separate option that the consumer has to sign up for and with full truth in lending disclosures. I've often wondered just how far these institutions would have to go before some of you scream foul. To each their own I guess.
Anonymous on 11/03/2008:
Crabby, I wouldn't defend fraudulent practices, I'd just like one person to show me the proof.
yoke on 11/04/2008:
crabman, banks should deny the authorizations if the funds are not there, but then we would get the outcry of people saying that the DirectDeposit was going to be put in the next day. Maybe what the banks are doing is wrong, but so is what these complainers are doing. They are floating money they don't have and then blame everyone but themeselves. If you aren't sure about a hold then it is their responsibility to find out if there is, before the purchase is made.
Antigone on 12/23/2008:
Regions is shifty, all right. I had heard via some finance whiz that account holders could essentially suspend the overdraft "courtesy" Regions extends (which makes it so that Regions will pay for items even when the account holder's funds are not yet available). I called customer service to tell them I no longer wanted this so-called courtesy. Months later I found an overdraft fee on my online statement. I phoned customer service AGAIN; the understanding fellow waived the NSF fee, but informed me that even when one requests that Regions not cover any purchases beyond available balance, they will still do so, just not as many. So all the advice you hear re. suspending overdraft coverage isn't even applicable with these sheisters. Unbelievable.
pooki3 on 06/22/2013:
me too
Stores charged my money after 5 days and I didn't know
so I withdraw all of money
and Regions Bank charged me $36 per list
and I have
Non-check item $ 10.93 Item Paid $ 36.00
Non-check item $ 7.69 Item Paid $ 36.00
Non-check item $ 2.99 Item Paid $ 36.00
Non-check item $ 2.10 Item Paid $ 36.00
Non-check item $ 1.98 Item Paid $ 36.00
I'm so really sorry , disappointed
I'm just student
why I have to pay $180 for I spent like..$24
What should I do ??
What I can do for this ??
Help me please
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Do Yourself A Huge Favor - Find A Small Bank
Posted by
BIRMINGHAM, ALABAMA -- My husband and I had both our family banking accounts and our corporate accounts at Regions. We had left AmSouth several years ago when we could not get good service for our small businesses or our rental properties. Unfortunately this past summer (2007)Regions and AmSouth merged. From almost the first day everything seemed to fall apart. Our online banking had so many problems daily that between me getting calls from my bookkeeper and my husband getting calls from his bookkeeper almost hourly, we realized from a customer perspective that something had gone terribly wrong with this merger. At one point the bank put thousands of dollars in our 16 year old daughter's account, of course we called. At another point, we went on line one day and all the accounts were simply gone.
Bills paid on line either did not post or posted twice. A branch manager even tried to make a payment in the branch and it did not post correctly. Payments mailed ended up at strange places (one regions manager said Regions had accidentally posted an old incorrect Regions payment address on line that no longer existed so payments were lost there for a few days). The bank incorrectly posted a nonpayment notice to our credit bureaus and adversely affected mine and my husband's credit score right as we were refinancing a rental property for term and rate. It cost us thousands. They corrected it but FICO scores have still not totally recovered.
My husband and his three partners have moved their banking to First American Bank (only to learn that they are being bought out by Royal Bank of Canada). But our personal accounts are still at Regions. Regions has made it almost impossible for us to move them.
We have now learned that many, many of our friends and business associates have left the bank. Regions was a great bank and always made us feel very welcomed and served each and every time we went in our branch. All of the people at the branch have turned over. When we go in the Vestavia Branch we sometimes see or hear people yelling at staff. It seems out of control. Regions was absolutely vital to both of our company's success. Now, the bank has lost this wonderful blend of professional knowledge and personal relationships culture completely.
Regions has some very talented upper management and officers but they seem blind to what has happened to this institution in just one year. It is amazing to me that I can see the problems from the outside. What are these leader's doing? The part of AmSouth's culture we attempted to leave is clearly the culture that prevailed in the merge.
It is apparent to us that AmSouth did not have the capacity needed during the merge to absorb Regions customers or some of its functions. AmSouth also seems to know little about which products and services Regions' customers loved the most - many of them changed for the worse.
The most incredible part of this autopsy is the lack of cross functioning between departments. Literally, we call internet banking and hear one story, we call the branch and hear another, we call the money market manager and get another, and we talk to the equity department and get another. There is very poor (or totally absent) systems communication between this bank's departments internally. We were asked by the Vestavia branch to bring them a copy of a company notice to customers relating to online banking problems (we received it but the staff at the branch knew nothing of it!).
It is literally like calling some international help center. Finally, and the most incredible - managers do not return calls or do not follow up on services. One manager of all the branches called us and offered to solve our issues and then we did not hear from her again. We contacted the corporate office number she gave us and learned that she "is no longer with the bank". I have lost all confidence in this bank's ability to effectively manage my money or to offer any services to me as a small business owner.
We are currently searching for a small bank and hope we can locate one that is not likely to merge. I have decided I am willing to go through the work of transferring all these accounts and setting up new debits, loans, and online banking. The Regions we loved is gone and doesn't look like it is coming back.
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moneybags on 07/01/2008:
I'm in Mobile and my AMSOUTH account turned into RBC. Give RBC a chance. They appear to do a very good job.
wgaguy1984 on 07/01/2008:
Overall, I'm happy with Regions, but I do agree with you the last year the website has been screwy. The weirdest thing is I'll have cleared transacations relist as pending and stay for a couple days. So far I haven't lost any money because of it, I actually keep a register, but the day the try to charge me for one of their goofs.
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Bank Fees Are Killers
Posted by
Brian Solvberg
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 than your credit card payment of $25.00 you made online Friday at 4 pm guess what gets paid first (that's 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 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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Mad Eye Moody on 06/12/2008:
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
tnchuck100 on 06/12/2008:
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.
madconsumer on 06/12/2008:
ever heard of spending what you have in your account? keeping a small positive balance will prevent this from ever happening again.
heaven17 on 06/12/2008:
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.
tnchuck100 on 06/12/2008:
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.
heaven17 on 06/12/2008:
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.
tnchuck100 on 06/12/2008:
Heaven17: OK, REASONABLE is as the OP stated. He made a $1 mistake. That is NOT unreasonable.
Now, your turn. Justify.
yoke on 06/12/2008:
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 a lot less errors.
tnchuck100 on 06/12/2008:
yoke: You appear to be lost as well. The guy made a mistake. He admits it. The bank screwed him royally.
yoke on 06/12/2008:
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.
tnchuck100 on 06/12/2008:
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.
yoke on 06/12/2008:
This person had 10 NSF's for a $1.00 error? There is a lot more to this story.
tnchuck100 on 06/12/2008:
We don't know that. We must go with what the poster has provided. With banks behaving as they do today he IS believable.
yoke on 06/12/2008:
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 a lot more checks/debit that went through.
Anonymous on 06/12/2008:
I think you're missing the bigger picture here yoke.
tnchuck100 on 06/12/2008:
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 happened? You failed to justify.
old fart on 06/12/2008:
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.!
wgaguy1984 on 06/12/2008:
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 embarrassment. 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.
wgaguy1984 on 06/12/2008:
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.
old fart on 06/12/2008:
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....
old fart on 06/12/2008:
this is yet another argument for local credit unions..
wgaguy1984 on 06/12/2008:
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?
wgaguy1984 on 06/12/2008:
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 kind of 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.
old fart on 06/12/2008:
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..
wgaguy1984 on 06/12/2008:
old fart on 06/12/2008:
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..
wgaguy1984 on 06/12/2008:
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.
heaven17 on 06/12/2008:
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.
grandma005 on 06/12/2008:
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.
old fart on 06/12/2008:
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...
grandma005 on 06/12/2008:
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.
old fart on 06/12/2008:
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..
Anonymous on 06/12/2008:
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.
Ponie on 06/12/2008:
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!
Anonymous on 06/12/2008:
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!
Ponie on 06/12/2008:
Stew, as you well known by now--only the good die young! I see you're still hangin' in there.
Anonymous on 06/12/2008:
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.
Ponie on 06/12/2008:
Turn your collar around, padre. It's choking off blood circulation to your grey matter. :)
tander on 06/12/2008:
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.
Alain on 06/12/2008:
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.
wgaguy1984 on 06/12/2008:
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.
CrazyRedHead on 06/13/2008:
I use a calculator whenever I do my checkbook.
starborne on 06/17/2008:
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 (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.
Brady1 on 06/17/2008:
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.
starborne on 06/17/2008:
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.
starborne on 06/17/2008:
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 supposed 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.
danielli1012 on 07/27/2008:
$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):
07/22/2008 DEBIT WAMU/PVN PAYMT CREDITCARD CLR $500.00 $344.10 <---this hit at midnight of 07/22 causing a negative balance
07/21/2008 PAYMENT EB TO Lee County Ut CLR $64.37 $237.68
07/21/2008 PAYMENT EB TO David Berthel CLR $163.50 $397.34
laklisa on 08/15/2009:
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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Lack of Credit Card Competitiveness
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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 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.
Northport Al
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Don't Use This Bank
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INDIANA -- 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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trmn8r on 08/19/2012:
Can you explain why I shouldn't use Regions Bank? What happened to the money?
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text:
I think Pot should go next.
I think Pot should go next.
My perfect day would be waking up in a hotel room/house on a beach somewhere, preferably Hawaii but I am not really that picky, as long as I can smell the ocean air and hear the waves. Of course Nick would be with me and we would... hang out for a bit. Then once we were wide awake we would go sit out on the balcony having some coffee and watching the waves wash the footprints off the sand.
We would of course smoke a little and enjoy the cool breeze, there would be no crying kids or anything to disturb my zen moment.
Then once we started getting hungry we would meet my sister and her boyfriend (who of course is on our vacation with us) at a nice restaurant somewhere on the beach. They would have the best bagels and lox in the area and some wonderful mimosas.
After breakfast the boys would go do something manly while my sister and I do some shopping, walk down the beach, enjoy the sun and breeze, and I get hot rock massages at the hotel spa, maybe even a facial. Pampering ourselves and drinking champagne served to us by some scantily clad hot man (or woman).
Then we would walk down the beach to find the boys who find a hidden little local bar, nothing touristy, it will probably just have a hidden door with the word COCKTAILS over it. We will play some pool, put some money in the jukebox, make friends with the bartender and ask him where the best place would be to get a great seafood dinner and then do some dancing. We would also get a recommendation for a local tattoo parlor from whoever has the best body art work in the bar.
We would go get tattoos, then go back to the hotel, get all dolled up and go have an amazing dinner, probably some crab legs or some wonderful fish dish. It will be cooked to perfection and they of course will have a wonderful beer selection. We will have a few beers, talk for awhile, then head out to do some dancing. Wherever we end up will have a pool table and an awesome dj. The boys will play pool while my sister and I get our groove on.
Then after dancing we will walk/stumble back to the hotel, my sister and her boyfriend will go to their room and Nick and I will go to ours. We will go out on our semi secluded balcony and fuck like bunnies under the stars with the sound of the waves in the background.
OK for pictures, I lost most of them off my computer but here are a couple...
My sister and I on the beach in Hawaii.
My girlfriends and I before a night out on the town.
Enjoying some beers at the Kona Brewery.
Okay, first things first... Mr. Sparks, am I still A:On your ignore list? B:Your shit list? C: On shaky ground? Or, D: There's still a chance to meet as long as I behave myself and wear a turtleneck sweater and a bag over my head?
Marc, can you please list specific details of the most felonious thing you have ever done or are currently involved in?
First beer you remember getting drunk off of.
I remember walking into the fringes of the crowd, and, looking back, it seemed darker than it usually does. We (my wife and I) were really having trouble working our way up, so we had a seat pretty far back. She was late going on, and were so far back and to the right that we really needed the screens to see anything. I remember her opening song was really annoying me, and I was getting irritated because all they wanted to show on the screen were those weird digital instruments someone was playing. I've never been a huge Bjork fan, but I loved the Sugarcubes in high school and college and I wanted to see her. Whatever her second song was annoyed me even more, and I remember being disappointed that the day really wasn't that amazing, even though I had fun.
So we decided to get up and walk around more, even though we were wiped out. We wound up walking into the Mojave just as Gogol Bordello came on. I had heard a couple tracks, but didn't know what to expect. It turned out to be one of the best concert experiences of my life. Everyone...EVERYONE in the crowd were joined together. My wife usually hangs back at shows, but she kept pushing forward, drawn to the stage. Instead of draining what energy we had left, the show was feeding it.
I've seen them a bunch of times since then, and it's always fun, but there was something special about that night, and I think almost anybody who was there would agree. They've never come close since, and neither has the positive energy that was in the crowd that night.
When we walked out with giant smiles on our faces, it was SO quiet. The Bjork crowd was already gone, and I think DJ Shadow was done too, though I remember looking over and seeing stuff still up on his video screens. It seemed so peaceful walking out. We had a hotel, but I remember walking past the campgrounds and thinking how nice it would be to just lay down in the grass and go to sleep. I knew I would be back, and I knew I would be camping.
On the other hand, I have seen HER be very cruel to other people, a few of whom I consider good friends. And, most importantly, I have no patience at all for Pete. Since BD and Pete cannot be separated...they will always stick up for one another...this lead to me exploding metaphorical bile all over BD a few weeks ago. But I felt a little bad about it, especially since most of it should have been directed at Pete.
If we ever met, I would likely tip my imaginary hat politely and be on my way. You aren't on my shit list, but I just can't imagine what we would have to talk about.
I think the only way I could get a felony is if I got REALLY unlucky with DUIs. I try to be very careful and never drive when I feel anything approaching "drunk". However, I'm sure I've been a hair over .08% enough times to get 3 DUIs in 5 years, if I got caught every single time.
In college, I drank a LOT...but rarely beer. I didn't like it for the same reason I don't like shitty beer now. College kids do not drink craft/micro/import brews. They drink whatever is free or on sale. Plus, "good" beer was much harder to find back then. The first time I ever got really drunk, it was on cheap champagne, and for a year or so, that's what I would drink. I would have a beer every once in a while- probably MGD- but champagne, wine, and liquor were my intoxicants of choice.
But, I do remember a night that MIGHT be the correct answer. I lived in a dorm where the rooms were small apartments, and they all opened up into a courtyard. Also, there were a lot of people over 21 there...I'm not sure how I got in at 19, but usually it was a long waiting list. So, this place was party central. Most weekends, the courtyard was full of people and everyone's front doors were open. People ducked into the living rooms (they had windows to the courtyard) to drink, and the back rooms to fool around or smoke up. It was like a ghetto Playboy mansion.
One night, my friend came over to hang out, but things were pretty quiet. There was a party going on next door, but it was a lot of frat guys, so we decided to just watch a movie. My roommate came in with a case of Olympia Dry. I still shudder thinking about it. The refrigerator next door was full, so he stashed it in ours. He invited us to have a couple if we wanted.
He returned a bit later, and we had drank the whole case. I have no idea why we did it. Maybe things do taste better when you steal them.
Marc dude - the proudest moment of your childhood (0-18 yrs).
Sparks -
Boxers or briefs?
Perfectly understandable and acceptable answer. And, if that opportunity should arise, you should know that first, I will praise your fine choice in Coachella headware and ask where one would find such a fashionable and convenient festival item. That would be followed by a polite curtsy.I think where someone stands on the Brokendoll issue says a lot about who they are. I have always taken a sigh and roll my eyes approach to BD. I rarely have insulted her (at least to my memory), and when I did, it was usually in a very teasing manner. Sometimes, I got uncomfortable when people were particularly cruel to her.
On the other hand, I have seen HER be very cruel to other people, a few of whom I consider good friends. And, most importantly, I have no patience at all for Pete. Since BD and Pete cannot be separated...they will always stick up for one another...this lead to me exploding metaphorical bile all over BD a few weeks ago. But I felt a little bad about it, especially since most of it should have been directed at Pete.
If we ever met, I would likely tip my imaginary hat politely and be on my way. You aren't on my shit list, but I just can't imagine what we would have to talk about.
From that point on, I'd probably have no choice but to wait for my cue as to whether I should then offer a friendly hug, or readjust my tu-tu and continue on my merry way.
Now, here's my next question for Mr. Sparks... After seeing pictures of your wife, I can only say she has what I call a contagious smile...the kind of smile that makes the world smile with you. What was the first thing you noticed about her that made you say, "Yeah, that's what I want in a partner?"
I will tell you how we met and it might shed some light. We had been chatting for a few weeks in an IRC room. (Old school internet chat.) At first, I thought she was a guy, because she was talking about another female chatter who had fell asleep and she was snoring. I though they were boyfriend/girlfriend, but they were dormmates. Anyway, I figured out that not only was she a woman, but that she was around my age. I had been dating a ton of women from this chat room, but they were all 5 or 6 years younger than me and it never went anywhere.
I was planning to have a party one Friday, and had sent her an e-mail invite. A few days after I sent it, it was Friday and she said "I'm looking forward to your party tonight." I told her it was the following week, and she said she was mad because now she had no plans. I said "Well, we could do something tonight. Meet me here at 8 and we'll figure something out."
By "here", I meant in the chatroom. At 8, I logged in and waited for her. I had forgotten I had given her directions to my house. Suddenly, there was a knock at my bedroom door. She had come to the house, and my roommate had let her in and sent her down the hall.
She later told me that she would have never normally gone to a stranger's house, let alone knock on his bedroom door. She said something inside was telling her it was OK. She had a boyfriend of 5 years in Tucson. He had never come to visit her in Flagstaff. A few weeks later, she went to Tucson for the holidays, and I went to see her the day after Christmas. That was the end of the other guy.
Did you know Bob Clawges died? Did you think Mr. Cichinsky was gay?
your ≠ you're
[boarderwoozel3] dying or tim & eric
[boarderwoozel3] I'll take dying
Since no one else knows what we are talking about and this is the Get To Know You thread, I will add that in 5th grade, I played the lead character of Robin in the Bob Clawges directed play "The Runaway Snowman". (With set design by his "roommate".) It was basically Frosty The Snowman if Frosty latched onto one kid, and then the kid let the fame of building a talking snowman go to his head. Although there is filmed evidence of this somewhere in my parents house, it was thankfully silent super 8 film. However, you can see a scene from another production of this little piece of holiday magic here...
sparky - you can pick 5 musicians from any era, dead or alive, to have dinner with. They are guaranteed to be interested in talking to you and not snooty or aloof. Which 5 do you pick and why?
First off, the clock is ticking, but Salma Hayek is still the sexiest woman in the world. I wouldn't know how to explain why...it should just be known.
The second place spot is a kind of rotating slot of comedic actresses, depending on what I've been watching. Lately it's Lizzy Caplan...
...who is on Party Down, which you all should be watching and laughing your asses off to.
This years' Coachella crush is Florence...
The fat guy in me would like to put a vote in for Giada De Laurentiis
And, I would have my nerd card revoked if I didn't mention
But...I don't know, I'm not really into celebrities, because I don't know them. I'm way more into personalities and sense of humor, which is why I get those crushes on comediannes, because they show more of their personality than an actor or model. Last time I went to UCB, I saw Jen Kirkman...
...and got a big old dumb crush. Here she is (looking kind of frumpy) explaining why she doesn't fantasize about celebrities...
Last edited by M Sparks; 04-06-2010 at 09:44 AM. Reason: I'm dumb
Tom...I will take my time on that one and get back to you.
you should check out clips of True Blood if you wanna see Lizzy Caplan's bewbs.
is Tree really your wife's name? it's a cute moniker.
I used to read Richie Rich comics when I was very young...the TV show was awful, but I liked the comics because I liked all the cool gadgets in his house. I was a tech geek very early on.
I never was into super heroes, but I would read SpiderMan and Fantastic Four comics on occasion. Also, even though I was very young, I somehow knew this was a good thing...
sparky are we gonna have a beer together at coachella?
Do you have any pets? If so, what are their names, breeds, ages. Did you pick them out, or did they pick you?

subset: commoncrawl


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Weird that Foxtel cbf with this game.
Weird that Foxtel cbf with this game.
~ Cribbertarian ~
Rejecting 'analysis by checklist' and 'skill absolutism' since Dec '09
Originally Posted by John Singleton
slow down there brad
Indians can't bowl - Where has the rumour come from as I myself and many indian friends arwe competent fast bowlers ?
With the English bid I said: Let us be brief. If you give back the Falkland Islands, which belong to us, you will get my vote. They then became sad and left
Last edited by Prince EWS; 15-09-2012 at 10:51 PM.
really blows that Fox arent covering it. Having said that, Haddin on fire with a strike rate of 6.66. Lucky im not watching really.
My Youtube cricket channels, thousands of gold old videos
just didn't wanna go to wa
does jason always speak in both past and current tenseJason Krejza Why is the opening Ryobi Cup not been televised??? #RYOBICup about 29 minutes ago
He turns the ball into a new dimension...
I wouldn't be surprised if the TV deals have something to do with it. NRL/AFL make them not show cricket during their finals series.
+ time's fickle card game ~ with you and i +
forever 63*
Haha poor Smithy. Gun knock though
Awesome knocks by Henriques and Smith hopefully the year both kick on.
Shield: Victoria
Ryobi Cup: NSW
Big Bash: Perth Scorchers
Non-capped player to get a game by end of summer: Alister McDermott
Capped player to get dropped: Forrest
Unpopular view but I reckon that Henriques is quality
Hope he finds the consistency to match his talent
i think most people know he's quality. it's that he's injury prone/prone to playing two different roles in two straight matches etc. not been easy to be get into a grove and become consistent
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