Consumer complaint received 2019-11-08
Company: REGIONS FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

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 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