Regions Bank Account Or Service Complaint

Regions Bank account or service department,

Checking account Using a debit or ATM card Alabama

On - or -/-/-, my laptop became unresponsive and I was directed through a page on my screen to call a number for -. This number directed me to a company called - -, who advised that they could diagnose my problems and remove any malware for $490.00. I was also told that they would remove - and install - for $86.00. As I had no reason to think they were dishonest, I authorized them to proceed and gave them my bank card number. That night, I was continuing to have problems. During another call to - I advised that I was not satisfied with their service and advised that I withdrew my authorization for these charges. The next morning I contacted a local computer specialist, who advised that malware was indeed downloaded on my computer by -. I paid him $99.00 to remove all malware from my computer. On -/-/- the charges did not appear as pending in my account detail register so I assumed they were not put through. The bank in question is Regions Bank. Its routing number is -. The card in question ended in -. The morning of -/-/- the charges were shown as pending


I asked him if I needed to take further action, and he said no. He said the charges would 'drop off ' my account. The next day the charges were still shown as pending, so I went back to the - - branch, where I spoke to - -. She told me that putting a stop payment on a debit card was useless, so she reversed the service charges. Instead, I was told I needed to cancel my debit card. So that was done. She advised that no further activity could be processed on that card number. On -/-/- my bank statement that the charges of $490.00 and $86.00 had been put through on my bank card, ending in -, which had been canceled a month previously. I went back to the bank and spoke with - - again. After calling the bank help desk, she informed me that what I should have done in - was to submit a debit card dispute form. She was surprised to learn that canceling my debit card would not have prevented charges for being put through, as I was told. She said that merchants could put through a charge within 180 days, even on a canceled card. How did she not know that in -? A debit card dispute form was submitted on -. She told me that this was a formality, and that I would get something in writing in ten days. I asked her point blank if there was any chance these charges would not be credited and she said no. The next day I went to the - - to discuss the matter, as I was not satisfied with the responses I had received initially. I spoke with - -, and was assured the dispute would be taken care of. She also acknowledged that I had been scammed by -. In addition, she apologized for the lack of proper handling of my problem by the personnel at - -. I contacted the branch twice by phone and was told I had a provisional credit pending. I called - - on Thursday, as per her request. She did not return my call. On -/-/- I received a letter from Regions stating that no evidence of fraud was found, and the charges would stand. At no time was I told by bank personnel that I needed to take further action with -, other than my phone call on -/-/-. I have since been advised that a dispute claim should have been filed in -, which I realized the charges had been put through. I am being penalized for getting erroneous information - from bank personnel. Had a fraud dispute been completed in -, all of this could have been avoided.