Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB COMPLAINT CREDIT CARD BILLING, LIMITS, AND DISCLOSURE ISSUES Company : Regions Bank Product : Complaint Description : I am requesting a formal regulatory review of cash advance classification, fee assessment, interest charges, and disclosure practices related to my Regions credit card account. My account has a stated total credit limit of {$5000.00} and a stated cash advance limit of {$1500.00}. Based on these limits, I reasonably understood that my total available credit on this card was capped at {$5000.00} and that cash advance activity could not exceed {$1500.00}. However, Regions Bank repeatedly authorized transactions far in excess of both limits, allowed them to post without warning or decline, and later assessed cash advance fees and immediate interestwithout clear disclosure at the time of transaction that these charges were being treated as cash advances. 

Summary of Monthly Activity : XX/XX/year> : {$950.00} in transactions {$20.00} in fees XX/XX/year> : {$12000.00} in transactions {$490.00} in fees {$61.00} in interest XX/XX/year> : {$3000.00} in transactions {$120.00} in fees {$9.00} in interest XX/XX/year> : {$18000.00} in transactions {$740.00} in fees {$73.00} in interest XX/XX/year> : {$8200.00} in transactions {$350.00} in fees {$94.00} in interest At no point were transactions declined after exceeding the stated {$1500.00} cash advance limit. The transactions continued to be authorized and appeared to function as standard credit card purchases. Because Regions continued approving these transactions without clear warning, I reasonably believed they were treated as regular purchases under my {$5000.00} credit limit. Only after statements posted did I discover that Regions retroactively classified many of these transactions as cash advances, assessed significant cash advance fees per transaction, and applied immediate interest without a grace period. 
Specific issues requiring regulatory review include : Approval of transactions well beyond the stated {$1500.00} cash advance limit without denial or warning. Authorization of activity totaling far more than the stated {$5000.00} credit limit within billing cycles. Failure to clearly disclose that cryptocurrency-related transactions were classified as cash advances at the time of authorization. Assessment of cash advance fees totaling more than the stated cash advance limit. Interest charges applied immediately and inconsistently with consumer expectations based on transaction approval behavior. Lack of transparency in payment allocation, which contributed to continued interest accrual.

I am not disputing that some fees or interest may be permitted by the cardholder agreement. However, I am requesting regulatory review to determine whether Regions Bank provided adequate disclosure, fair notice, and reasonable enforcement of stated limits.

Requested Resolution : A full line-item audit of all transactions classified as cash advances. Written explanation of how stated credit and cash advance limits were enforced. Clarification of why transactions were authorized beyond stated limits without warning. Refund or credit of any fees or interest determined to be improperly assessed or insufficiently disclosed. Assurance of transparent billing practices going forward.

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