I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back. 
