A “FleetCor Funding” line on your bank statement is a charge from Corpay, Inc., the business payments company that operated as FleetCor Technologies until it rebranded on March 25, 2024. The descriptor still shows the old name because merchant records lag behind corporate rebrands. Almost every FleetCor funding charge on a bank statement traces back to a fuel card, payroll card, toll account, or corporate lodging program run by one of Corpay’s subsidiaries. If you or your employer use any of those services, the entry is likely a routine account replenishment. If nothing looks familiar, treat it as worth investigating.
Which Corpay Subsidiary the Charge Comes From
Corpay owns several brands, and the FleetCor descriptor can attach to any of them. The three most common sources of the charge are:
- Fuelman, which issues fleet fuel cards to trucking companies, construction firms, and other vehicle-heavy businesses. Cardholder service runs 24 hours a day at 1-800-877-0800.
- Comdata, which issues transportation payment cards and driver payroll cards. OnRoad cardholders can reach service at 1-866-288-9990, and Comchek cardholders at 1-800-741-3939.
- Corpay Cross-Border, which handles international vendor and payroll payments in foreign currencies.
Other Corpay products cover corporate lodging, electronic tolls, and gift card programs. If your employer gave you a card for fuel, travel, or work expenses, there’s a real chance one of these brands services it. The fastest way to connect a vague statement entry to a real account is to check the physical card for a brand name or call one of the numbers above.
Why the Charge Appears
Most FleetCor funding entries are automated top-ups, not one-time purchases. When a prepaid fuel card or toll account balance drops below a set threshold, the system pulls funds from the linked bank account to keep the card usable. Corporate lodging accounts work the same way when hotel charges settle in batches. A repeating charge in the same dollar amount on a regular cycle is a strong signal that you’re looking at a scheduled replenishment.
Payroll card funding is the other frequent source. Some employers pay wages onto Comdata or similar cards instead of using direct deposit, and each pay period the employer’s transfer to the card provider shows up as a FleetCor-related entry. Employees who move money off the card may also see a related descriptor on their personal bank records.
Tolls round out the common triggers. Electronic toll charges get batched and settled through Corpay’s systems, so the resulting entry reads as FleetCor rather than as the name of the toll authority you actually drove past.
How to Verify the Charge Before Calling
Start inside your own records. Pull the full merchant descriptor from your bank portal; it often includes a phone number and the transaction date alongside the FleetCor label. Note the exact dollar amount and check whether the same amount has appeared on prior statements at regular intervals.
Then check what cards your company has issued to you or your team. If you manage a business account, log into your fleet card or toll management portal and look for a debit that matches the date and amount. A match there closes the question without a phone call. If nothing internal matches, call the number on the descriptor or use the subsidiary numbers above with the transaction date, amount, and any reference numbers in front of you.
One reason not to shrug off an unfamiliar entry: the Federal Trade Commission sued FleetCor and its CEO in 2021, alleging the company charged small-business customers hundreds of millions of dollars in undisclosed fees on fuel cards marketed under the Fuelman brand and co-branded partnerships. The case is still pending in federal court in the Northern District of Georgia. Whether or not it touches your account, it’s a reason to look twice at any FleetCor charge you can’t immediately place.
How to Dispute an Unauthorized or Incorrect Charge
Your rights and deadlines depend on the type of account the charge hit.
Credit Card Charges
For a charge on a credit card, the Fair Credit Billing Act gives you 60 days from the date the statement was sent to submit a written dispute to the creditor’s billing address. The notice has to include your name and account number, identify the charge you’re disputing, and explain why you believe it’s wrong. The creditor must acknowledge the dispute within 30 days of receiving it and resolve it within two full billing cycles, not to exceed 90 days. While the investigation runs, the creditor cannot try to collect the disputed amount or report it as delinquent.1U.S. Government Publishing Office. 15 USC 1666 – Correction of Billing Errors
If the investigation supports you, the creditor corrects the error and credits your account. If it doesn’t, you’ll get a written explanation, and you can still refuse to pay the disputed portion and request documentation, though the creditor may begin collection at that point.
Debit and Payroll Card Charges
Charges on a debit card or payroll card fall under the Electronic Fund Transfer Act, and the deadlines here can cost you real money if you miss them. Report an unauthorized transfer within two business days of learning about it and your maximum liability is $50. Report after two business days but within 60 days of your statement being sent and liability can rise to $500. Wait longer than 60 days and you can be liable for the full amount of any unauthorized transfers made after that 60-day mark.2Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
These EFTA protections extend to payroll cards with only minor differences in reporting windows.3Consumer Financial Protection Bureau. Bulletin Re: Payroll Card Accounts (Regulation E) The practical rule: review statements as they arrive, and report anything you don’t recognize within two business days when you can.
Business Cards Get Weaker Protection
The rules above cover personal accounts. Federal law does not extend the same unauthorized-transaction protections to business debit cards, so if someone makes fraudulent charges on a company debit card, your account agreement and state law decide your liability instead of EFTA.4FDIC. Your Business, Your Deposits
Business credit cards get somewhat better treatment, with a catch. When an issuer provides ten or more cards to a company for employee use, it can require the business to accept unlimited liability for unauthorized charges. With fewer than ten cards, the $50 federal cap applies, but only for unauthorized use by someone outside the company. Employee misuse is not covered.5FDIC. Will I Be Liable for Unauthorized Transactions Made on Business Credit/Debit Cards?
Because of this gap, businesses using Corpay fleet cards or payroll products should read their card agreements closely. Your protection against unauthorized charges most likely comes from the contract with the Corpay subsidiary, not from federal statute, and state commercial law is the fallback if the contract is silent.
Escalating If the Dispute Isn’t Resolved
If Corpay’s own dispute process doesn’t produce a satisfactory outcome, consumers can file a complaint with the Consumer Financial Protection Bureau. The CFPB forwards the complaint to the company, which usually responds within 15 days, though some cases take up to 60. You’ll need your contact information, a clear description of the problem, and supporting documents such as statements and prior correspondence. After the company responds, you have 60 days to provide feedback.6Consumer Financial Protection Bureau. Submit a Complaint
For business accounts, the CFPB’s jurisdiction is narrower because it primarily oversees consumer financial products. Businesses that can’t resolve a dispute through the card issuer may need to use state commercial law remedies or small claims court. In either case, keep copies of every communication, including call timestamps and the names of the representatives you spoke with; disputes usually turn on documentation.