Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief