Consumer complaint received 2023-10-20
Company: REGIONS FINANCIAL CORPORATION
State: NV
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have been paid on a debit card issued through my employer since I started with the company. On approximately XX/XX/XXXX, I realized that I had lost my XXXX debit card ( owned by Comdata ) for her paycheck ending in XXXX and reported this to my boss. I received a new card ending in XXXX on approximately XX/XX/XXXX ( which is when the first charge to this account was made ). I was not made aware of any fraudulent activity and was under the impression that my previous card had been disconnected as it was lost. 

Towards the end of XXXX, my card had declined on a couple of purchases I attempted to make. I initially assumed that this was the timing of my paycheck as well as some charges that I thought might have been to this card related to the XXXX XXXX  of my dog. 

I brought up issues with her card with my employer in XXXX. My boss began researching what had happened with her card and provided me with a list of transactions, as well as helped me with logging in to XXXX which I was never aware I needed to do previously. On XX/XX/XXXX, I was able to log in and dispute the charges made to the card ending in XXXX. 

The total disputed from XX/XX/XXXX, through XX/XX/XXXX, XXXX, there are XXXX charges totaling {$18000.00} ; there is one credit of {$9.00} and XXXX fee charges for declined transactions amounting to {$91.00} that were caused due to unapproved activity on my account. 

I was very surprised that this was never flagged or alerted to her as potentially fraudulent activity going on, or my card declined or any other action taken as in the approx. 11 months prior ( XX/XX/XXXX, XXXX XXXX, XXXX ), there was only XXXX transactions totaling {$10000.00}, of which {$4500.00} was spent on auto repairs and gas to go to work, {$4000.00} was spent on XXXX and other XXXX XXXX bills, and {$2300.00} was spent on grocery and other misc. charges. I had never had any spending pattern of some of the luxury stores that purchases were made from, made far fewer purchases than were being made in that time frame, and more was spent in a month than I had spent in a year. 

Initially, when charges were disputed, a police report had not been filed, upon realizing the extent of the issues, I filed a police report on XX/XX/XXXX, to include the disputed transactions with the XXXX XXXX XXXX Police Department, event number XXXX From the period of XX/XX/XXXX through XX/XX/XXXX I had been in contact with a resolution specialist with Comdata. My initial disputes were declined, and they stated to provide additional proof. I provided a letter from my boss confirming that I had reported the card lost as well as the police statement. I was told these would be reviewed and I would be responded to. After the couple of months of following up with no response, I began looking for an attorney who could assist. This has not worked and eventually our legal clinic provided the information to make a complaint with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation