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Regions bank Complaint - Worst bank ever - banking
banking - Complaint
PALESTINE, TEXAS -- This is absolutely the worst bank I have ever dealt with. I became a customer of regions a little less than a year ago and have had one problem after another with them. When I first started with them I was told several times about online banking and what a great tool it was so I decided to sign up and try it. I decided I liked it and was pretty much going by what they had listed on my account online as to what I had in my account. Things started overdrafting..and of course came the banks fees. After this happening multiple times I went to the bank in palestine where I opened the account..I was told point blank by one of the bankers " oh, you can't rely on the online tool because it isn't correct" And I was then shown a screen on her computer where she proceeded to show me what exactly I was shown online as to be in my account, and what was really in my account. She said "this is what you would have thought you had, but this is what you really had" It was a $200.00 difference!! I asked her what the use of online banking was if it wasn't going to be correct and she said "never rely on it". So, I was told it was great, and then told exactly the opposite after I allreeady had to pay hundreds in fees to the bank. So, then I make a purchase with my card. The charge pends for several days and then drops off. I know this can happen and then the charge can appear later..but I wanted to find out the status so I called customer service..I was told there had been a malfunction in the processing on the merchants end and that the charge was not going to go through. I was assured by the customer svc representative that the charge would not go through and that I would have to go back to the merchant and swipe my card again. So, I had an extra $100.00 for the time being. So, I made a couple of purchases. Low and behold, about 4 days later, the $100.00 went through. Which put 4 charges in overdraft. I immediately called customer svc. and advised them of the situation and what the cust svc representative had told me..now, the calles you make to regions are recorded. So I asked them to pull the call. They sent an email to the reps mgr. and said she would give me a call. I wait all day, no call. I call back and am told that the mgr. that is supposed to call me, DOSNT EXIST!!! So, I have to explain the whole situation AGAIN and am then told to hold for a mgr. Well, he gets on the phone and tells me "Yes, I know who ***** is, and shes at lunch" Well, I was just told she dosnt exist and now shes at lunch? So I have to explain the situation AGAIN to him, and then I'm told he will have the first mgr call me. So, she FINALLY calls me and is extremely rude. She says they are going to pull the call but that it dosnt matter what the customer svc representative told me, they are going to stand by regions and not refund any of the overdraft charges!!! What a rip off!! I emailed this to regions and the response I got back was that it dosnt matter what the customer svc people tell you. So what are we as customers supposed to freaking do? This is the biggest rip off for a bank I have EVER seen
Comments:
Posted by yoke on 2010-06-23:
You spent more than you had, not the banks fault. Once you swipe the card the money is gone forever. You can't keep spending the same money over and over until it posts to your account.
Posted by tnchuck100 on 2010-06-23:
It is a fact the customer service representatives will mis-lead you. It is a very profitable tactic for the bank. However, all of the grief you have described here could have been avoided by using a check register. Understanding how the bank operates will help you tremendously. Bear in mind the bank is NOT your friend. They will find ways to extract money from you if you make the slightest mistake.
Posted by jktshff1 on 2010-06-23:
great answers tn and yoke
Posted by skelly39 on 2010-06-23:
Agree with tnchuck. Banks are not your friends, but check registers are. Let me pose this question: how is the online system supposed to know when you wrote a check? It doesn't know until the check posts, but you have to deduct that money in your check register when you write it. So between the time you write it and the time it posts, the bank has no idea that you spent that money, but you do. Try a savings account and cash to get you out of this mess until you know how a checking account works.
Posted by justcuz on 2010-06-23:
Wait a minute...Regions told you that the $100 was NOT going to go through due to a malfunction on the merchants end, and you would have to go back and swipe your card with the merchant again? So, basically you got a $100 worth of stuff for free cuz God knows 99.9% of people would not go back!! I'm calling BS on that statement alone. Take a banking class and use a check register.
Posted by bcd on 2010-06-23:
“So what are we as customers supposed to freaking do?”
Maintain a check register.
Maintain a check register.
Posted by pandamaymay on 2010-06-25:
I can understand what some of you are saying but the fact is, I did what I was supposed to do..I never said I dont keep a check register..I called customer service and specifically asked them about it..to the one who "called bs" that they told me the charge was not going to go through..say what you will but it was on a recorded line that I was told this..a customer is supposed to be able to call CUSTOMER SERVICE and be given the CORRECT information...and just to give an update..the overdrafts have been removed BECAUSE IT WAS A BANK ERROR
Posted by yoke on 2010-06-26:
If you did what you were supposed to do instead of respending the $100 you would have gone directly to the merchant and told them what you bank said and have them put it though again.
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