Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Regions Bank LIFEGREEN CHECKING Account. Recently I had several charges from XXXX ( shipping charges that were not taken out of paypal acct but charged to my checking acct ), taken out of my checking acct but there was no money in that acct. This resulted in XXXX each {$36.00} NSF / Overdraft Fee 's ( thats XXXX XXXX = {$380.00} in NSF Fees alone ). Now the paypal amounts themselves were credit back but all eleven {$36.00} each NSF Fees were not. In one instance a XXXX fee if {$12.00} was re-tried to my bank acct resulting in XXXX NSF Fee 's ( XXXX each time ) for the SAME amount of {$12.00}. The bank did not refund the NSF Fee 's at all. Now I read about the XXXX Dollar Fine Regions had to pay in XX/XX/XXXX for bad practices with Overdraft FEEs. 
When I started having all the problems with NSF Fees, I was opted out or not opted in when I setup the checking acct ), I then I opted in for overdraft protection, but yesterday XXXX/XXXX/XXXX I received XXXX Overdraft Fees. The BS I got from Regions was they ahve XXXX types of overdraft protection and at their discrection they MAY allow payments to go thu and allow overdraft Fee 's. 
Whats the point of opting out or in of Regions Overdraft protection if I STILL get {$36.00} NSF Fees each time, no matter what. 
This is Deceptive and unfair business practices, and shows bad faith to consumers. Please investigate and Break the laws foot off in Regions Behind, if you know what I mean. Ideally I would like all eleven overdraft fee 's credit to my checking acct, and what punishment the law allows to reign down on Regions Bank. 
Here is my info from my checking acct. 
Date Type Description/Category Debit ( - ) Credit ( + ) Posted Balance XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$72.00} - {$96.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$14.00} - {$24.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$10.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$40.00} {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$34.00} {$41.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} {$6.00} XXXX/XXXX/XXXX ATM DEBIT Regions XXXX {$120.00} {$13.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$84.00} {$130.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$43.00} {$49.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$60.00} {$5.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$61.00} {$65.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$2.00} {$4.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$100.00} {$2.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} - {$97.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$330.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$300.00} XXXX/XXXX/XXXX DEBIT XXXX RETRY PYMT {$12.00} - {$310.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$300.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$13.00} - {$260.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$13.00} - {$280.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$72.00} - {$260.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$11.00} - {$220.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$230.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$170.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$12.00} - {$170.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$100.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$51.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$15.00} - {$23.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$8.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$240.00} {$3.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} {$240.00} XXXX/XXXX/XXXX XXXX XXXX BANK XXXX FEE REFUND {$36.00} {$2.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} - {$33.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$38.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$26.00} - {$2.00} XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation