• Report: #444363

Complaint Review: Regions Bank ,formerly Amsouth Bank

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  • Submitted: Fri, April 17, 2009
  • Updated: Tue, April 21, 2009

  • Reported By:na Florida
Regions Bank ,formerly Amsouth Bank
regions.com St. Petersburg, Florida U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Regions Bank ,formerly Amsouth Bank Regions Bank does the same St. Petersburg Florida

*Consumer Comment: What???

*Author of original report: Problem is with checks, not debits.

*Consumer Comment: Say what?

*Consumer Comment: Pending deposit?

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Regions Bank does the same thing. Regions Bank "back dates" withdrawal transaction postings so they would cause my account to be overdrawn prior to a pending paycheck direct deposit that would have covered the withdrawals.

Kh
na, Florida
U.S.A.

This report was posted on Ripoff Report on 04/17/2009 07:10 AM and is a permanent record located here: http://www.ripoffreport.com/r/Regions-Bank-formerly-Amsouth-Bank/St-Petersburg-Florida/Regions-Bank-formerly-Amsouth-Bank-Regions-Bank-does-the-same-St-Petersburg-Florida-444363. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

What???

AUTHOR: Robert - (U.S.A.)

"Not referring to debits. For example, I wrote a check on Wednesday and my paycheck direct deposit was Friday. Regions Bank would receive the check on Friday but they would process the check using Thursday's date (even though they did not receive the check on Thursday) so it looked like the check was received and cleared Thursday before the Friday direct deposit."

- So you wrote a check when funds were NOT available in your account. You were relying on the float, that is writing a check hoping it clears after your deposit goes through. I can tell you the thought that a check won't clear for at least 2-3 days is a myth. With electronic processing a check can actually clear the same day.

Now if you have PROOF it came in on Friday and they posted it on Thursday I am sure you will find a few lawyers who would love to take this on.
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#2 Author of original report

Problem is with checks, not debits.

AUTHOR: Kh - (U.S.A.)

Not referring to debits. For example, I wrote a check on Wednesday and my paycheck direct deposit was Friday. Regions Bank would receive the check on Friday but they would process the check using Thursday's date (even though they did not receive the check on Thursday) so it looked like the check was received and cleared Thursday before the Friday direct deposit.
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#3 Consumer Comment

Say what?

AUTHOR: Ken - (U.S.A.)

Do I read correctly? You are complaining because a withdrawal that you made BEFORE a payroll deposit caused an overdraft? The second you swiped your debit card is when that transaction legally occurred. You can't cover it by a deposit two days later, you are already overdrawn.
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#4 Consumer Comment

Pending deposit?

AUTHOR: Edgeman - (U.S.A.)

Did you authorize those transactions before the deposited funds were available? If so, then you overdrafted your account and the fees were justified.
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