Date Received: 2019-11-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Account # : XXXX We applied for a XXXX XXXX XXXX XXXX Mastercard with the company and were approved for an account on XXXX XXXX with a credit limit of {$1500.00}. The company said we were approved for fuel, maintenance, business expenses, international and internet purchases. The cards we were sent in the mail were fuel cards with maintenance expense capabilities. Because the other features were locked, we requested new cards. I have been working on this for the last two months. Finally after having spoken with multiple supervisors in the customer service department, our company was sent the two credit cards for which we applied. The cards were receied in the mail and we were told that they are open to all expenses but then 4 hours later we received an email saying that we weren't approved and the cards were locked from our account. We scanned and sent in the agreement which was sent to us on XX/XX/XXXX but the company doesn't care. We were also charged multiple times for different amounts that what we approved them to bill us for which was a payment in the amoujnt of {$290.00}. Here are the confirmation numbers : XXXX, XXXX, XXXX The email we received was on XX/XX/XXXX saying that the credit department had approved the cards being sent out to us, and now they are declined so the cards are blocked. We applied for the business cards in XXXX and were approved for that, and the company sent the wrong cards. They sent fuel cards and we never applied for that. We were sent to new accounts who informed us that a second application was opened in our name but because we had a recently submitted application within the last 3 months, that was also declined. We never submitted a second application. We called to have the problem that customer service caused fixed, but that never happened. The company then said that the credit department says we have " high risk credit '' and that is their reasoning as to why they are currently blocking our issued credit cards. However, that isn't the case either. We have made our payments on time, do not owe them money, and we have a credit line with another company for {$10000.00}. That company is called XXXX, XXXX and they have given us a {$10000.00} credit line so clearly we do not have bad business credit. Our XXXX credit account isn't personally guaranteed by any of our authorized users because we have very good business credit. Additional verification by the credit bureau XXXX XXXX XXXX is being attached with their recommended credit card limit of {$7500.00}. We are a partner of the XXXX XXXX XXXX XXXX, so we have attached that. Their claim of having bad business credit is therefore a lie and it's a violation of the FCRA to do what they are doing. We are attaching the cards, the request to the XXXX XXXXXXXX XXXX Directors, and the documents so that the case may be further looked into.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office. This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely. I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared. Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked. I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON. Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods. Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ). I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING. THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42431
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies. The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees. On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that REGIONS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just received a copy of my credit report and noticed a lot of unauthorized and incorrect inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed my Regions account ( personal loan ) through the credit bureaus and i tried contacting Regions, but all the phone # s do not work. Regions Bank has been incorrectly reporting the closed date of my personal loan since it was included in bankruptcy last XXXX. The actual closure date was XX/XX/XXXX ; at first, regions Bank put the closed date as XX/XX/XXXX, then XX/XX/XXXX, when I disputed it at the time, and now Regions reports the closed date ( as result of a dispute ) as XX/XX/XXXX, which caused my XXXX credit score to drop by 15 points as it is seen as a recent delinquency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Went to the branch with a copy of the front & back of paid item showing it negotiated by a party other than the payee. Requested that they return the check for lack of a proper endorsement. The manager stated it was not the bank 's policy to return the item and that the " injured party '' or payee had to come to the bank to file and notarize an affidavit. This is my company 's trust account. The funds were due the payees per a contract. The bank is allowing an illegal act to be perpetrated by not returning the check to whomever accepted it from the party to whom the funds were not due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Im writing because I noticed that my most recent credit report contains a late payment of 30 day in XX/XX/XXXX of this years i call region back in XX/XX/XXXXof this year to change my payment due date to the XX/XX/XXXX of each month and also to set up an auto pay that never took place in my head i am thinking i am on auto pay and auto never took place i have the loan for a long time never miss a payment always made my payment on time. Id have an excellent repayment record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A