The problem is that I had overdraft protection.. I was in vacation in another country and apparently I went on overdraft.. I had a debit card and a savings/checking account with them, But somehow I went on overdraft (I don't know how) Since the debit card was linked to my checking account and I had money in my savings account, I went on overdraft and instead of cover the overdraft with money from my savings (As the overdraft protection says) they just went ahead and were charging me $33 dollars everyday and made me paid over $300 dollars for their mistake.. I have proof that they stole my money.. Should I go ahead and sue them?

• Regions Bank filed two lawsuits on 12/23/2008 naming Menaker Investments I as the defendant.
o 2008-CA-0033992-O for default of $3, 880, 000.00
o 2008-CA-0033999-O for default of $2, 510, 000.00

• Regions Bank filed the lawsuit on 1/27/2009 naming Giles-Menaker as the defendant.
o 2009-CA-002547-O for default of $1, 700, 000.00

• Mitch Menaker files for Bankruptcy on 7/29/2009
• Mitch Menaker forms MMDL LLC with Donald Lake (former construction loan contact for Giles-Menaker from Regions Bank) on 6/8/2009
• Mitch Menaker is granted bankruptcy 11/5/2009
• Mitch Menaker and Donald Lake start I Scream Humour Enterprises
o ( http://iscreamhumour.com/)

ALL THE ABOVE INFORMATION IS A MATTER OF PUBLIC RECORD

Here is what I am finding hard to accept:
• How does a man default on over $8, 000, 000 in construction loans from Regions Bank, File for and get approved for bankruptcy, and in the meantime form and develop a new business with the man who was the main contact with Regions Bank for both companies?

• How does Regions Bank allow for the overdraft of a "purchase card" to reach over $140, 000 before turning it off (as laid out in lawsuit)?

This company is purely one of the worse banks that I've EVER had to deal with in my life. First, upon opening my account with a cash deposit, after making it available for use and using my debit card, they decide that they want to place a hold on my checking account. Subsequently, causing all the transactions that I did, to overdraft my account. After arguing with customer service over a holiday weekend, and going up the ladder to above the branch manager, they corrected their mistake. This was the first instance.

Secondly, now they are deciding that they want to close my account for no apparent reason, and as soon as my direct deposit was posted today, they are telling me that there is a hold on my account, that they will not do anything about it, and that I will not have access to my funds until Monday of the following week, or they will mail me a check and close my account and that I CANNOT physically walk inside a bank right now to w/d funds, close my account, use my debit card or anything like they are HOARDING my money. Upon speaking to many reps, many managers, and the branch manager, they are still insisting that they are not going to do anything until Monday and tough shit about my money that was direct deposited until we feel like giving you your money on Monday. As a financial institution, they are in violation of Regulation CC, Funds Availability Act, as well as just being flat out like they don't give a damn about you. They will do whatever they feel like doing, take your money, not feel like they have to give it to you and make you wait for a direct deposit. What bank puts a hold on a direct deposit or doesn't allow you access to your own damn money on payday. I'm still arguing with them as we speak, but to ANYONE who has thought about going to them, DO NOT WASTE YOUR TIME!! IT'S A WORTHLESS PIECE OF SHIT BANK THAT SHOULD HAVE FOLDED DURING THE RECESSION AND THEY DO NOT DESERVE THE OPPORTUNITY TO WITHSTAND ANY LONGER.

I was unaware that my account was overdrawn due to the overdraft feature that was automatically included in my agreement. Additionally, I was unaware of how the service worked, which allowed me to continue using my debit card, unaware that I was overdrawn and racking up fees. Within a matter of 2 wks Regions assessed me $1085 in overdraft fees before I was aware that I was overdrawn.

I spoke with 4 individuals, including supervisors and bank managers, who not only refused to help but showed no sympathy or empathy whatsoever. We have been with the same bank for almost 30 yrs and this is has never happened before. This is the gratitude we get. They refuse to refund EVEN ONE OF THE FEES!

Use a local bank or BEWARE!

said i owe $288.00 to regions bank never had a account with this bank before in my entire life.