Date Received: 2018-10-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . The transactions in question ill provide a sceen shot as well as the police report upon request
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018 my employer made a real-time transfer through XXXX of {$600.00} into my personal checking account at XXXX XXXX. XXXX XXXX did not credit the deposit until the next day ( XX/XX/2018 ). It caused my account to be overdrawn and checks returned unpaid. They charged me {$72.00} in overdraft fees. Their response was that any deposits made after XXXX XXXX would not be honored until the next day ... .even cash. This is outrageous! The transfer is in REAL-TIME as if it were cash. This is fraud!
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. Please help. Respectfully, XXXX XXXX
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a Small Claim Petition against Comerica Bank and XXXX XXXX XXXX on XX/XX/XXXX, at the XXXX County Courthouse in XXXX, Texas. My Comerica bank account was debited for {$2200.00}, XX/XX/XXXX, for an appraisal that was performed under Comericas direction by XXXX XXXX XXXX. The report issued to me was severely flawed. A review of the document presented to me showed more than 45 technical issues with the data/report. I sent an email documenting at least 25 of the issues to the bank officials and the XXXX team asking that the appraisal be repaired. I sent follow-up emails asking for repair to the document but both parties ignored my emails. I sent certified letters to Comerica on XX/XX/XXXX ( refused ) and on XX/XX/XXXX ( signed for ), asking for a refund of the debited money, but never a response from Comerica. The issues with the appraisal were so numerous that the report, by default, was not believable, rendering it unusable. Comerica never addressed any of the issues with the report. Out right lies were presented in the document : discussions the appraisers attributed to me were not true ( I never spoke with the appraisers ). The property description, condition, size, zone and street descriptions were inaccurate. Supporting information to substantiate the market analysis was not included. Comerica never attempted to fix/repair the report Comerica just never tried to make the report right. I filed a formal complaint with XXXX XXXX XXXX noting the serious concerns with the document. Comerica did try to show an attempt to consider a comparable property ( to modify the report ) by tasking my agent and I to present properties, but all properties presented to Comerica were rejected. This was odd because the banks own engagement letter to XXXX stated, at least one current and comparable and improved listing must be included in your report and analyzed. If there are no current and comparable listings available include a discussion of this fact. But this false look for a comparable property sending me on a wild goose chase -- would not have addressed many of the systemic problems with the report. Comerica never tried to meet the basic tenants of a MAI appraisal : a document that a " reasonable person should come to the same conclusion with information in the document. '' Comerica did nothing to rectify the situation. Comerica was asking me to use this flawed report to decide on a property worth near of a million dollars ( {$690000.00} ). Because of the gross errors with the report no decision could be made on the property at hand. Because Comerica would not fix the report I lost the property. They debited my account ( for {$2200.00} ) without providing a reliable nor usable product. 12 attachments are provided as supporting information for this complaint. 1. Meeting requested with Comerica. Concerns noted with the appraisal. 2. Reported Issues to Comerica and XXXX XXXX XXXX. 3. Engagement letter concerns and issues. 4. Note to bank on the appraisal being unacceptable. 5. Note to XXXX, XXXX. Manager, Comerica. 6. Follow-up note to branch manager, XXXX, Comerica, appraisal fee refund request. 7. Account debited. 8. Certified letter requesting refund. 9. Small Claim Petition 10. Submission to XXXX XXXX XXXX, formal complaint against XXXX XXXX XXXX. 11. Response from XXXX XXXX XXXX. 12. The Appraisal
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I receive my SSI benefits on a XXXX XXXX Master Card ( this is the card Social Security suggests ). On XX/XX/2018 {$1700.00} was wire transferred off my card. I contacted XXXX XXXX XXXX Fraud Dept and they had me fill out a questionnaire and cancelled my card to start an investigation. I was told {$1700.00} was wire transferred off my card. A new card was issued. On XX/XX/2018 I was contacted that {$1000.00} was put back on my card. When I asked why the original amount of {$1700.00} was not put back, no one could answer me. I immediately went to withdraw my money but could not. I called XXXX XXXX again and was told {$1000.00} was wire transferred off my card. Again, XXXX XXXX cancelled my card and had me fill out another questionnaire. I have repeatedly asked XXXX XXXX to mail me a check for the {$1700.00} which they refuse to do. They said they will start another investigation for {$700.00}. I asked why it keeps going down and again, no one seems to know. I explained that there are over 150 complaints against XXXX XXXX for money being wire or bank transferred from their cards. I reiterated that there is apparently a huge issue with my account and would like a check mailed. XXXX XXXX refuses to send a check. I am still without my {$1700.00}
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2018, 2 purchases for {$400.00} and {$250.00} was made on my card in XXXX, MD at a XXXX store. I've never been in XXXX, MD nor did I give my card to anyone. I was not able to report the transaction to the credit card company till XX/XX/XXXX. XX/XX/XXXX received paperwork, including a police report to dispute the transaction. The credit card company agreed to refund the entire amount of the purchase on XX/XX/XXXX. On XX/XX/XXXX, the money was put back in my account and on XX/XX/XXXX the credit card company took the money back out.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I am XXXX XXXX XXXX and receive benefits on the XXXX XXXX card set up by the government. XX/XX/XXXX I noticed there was a lot of money missing so I contacted XXXX XXXX and cancelled my card. I was told I would not be able to discuss my card with the fraud dept due to a procedure of them calling you back within 5 days for security purposes. I also had opted for paperless statements but had not been able to access my online account. I had been unable to access my account online from the start and had requested assistance from XXXX XXXX to no avail. I suffer from clinical anxiety and I then procrastinate to avoid hearing of new problems. I waited for the 5 business days for fraud to call yet did not receive a call or a message. My benefits were deposited at the first of the month and was again less than I expected so I again called XXXX XXXX on XX/XX/XXXX I was told again that someone would call me back within 5 days and I refused to accept the delay again. The representative suggested I download the app and this will allow me to see transactions, which I did. I had definitely been the victim of fraud ; someone had been using my card for some time. The app allowed me to go back 3 months and each month had several unauthorized transactions. I contacted XXXX XXXX and we noted some of the transactions and I was given a Service # XXXX totaling close to {$1200.00}. I was told I would be mailed statements going back to the opening of the account in XX/XX/XXXX and would receive a call back in 5 days to assist my gaining access to my statements online. I called again and said there were a lot of charges and the total was now equal to 2 months of benefits and I receive no other money, I needed something to be done quickly. I was told I would be receiving mail that had the formal complaint that I would have to sign in 5 to 10 days, I needed to sign and return then allow another 10 days for them to process and from there it would take a minimum of 45 days and up to 90 before I would see a credit. I contacted them again XX/XX/XXXX, and explained I had no money, my balance was XXXX cents and I was then told I could prepare my case listing the service number, the charges and a few additional details that would expedite the processing. I also gave more unauthorized charges and was given another service # XXXX totaling {$1100.00} approx. I prepared the outline from the first claim and faxed it then waited for a phone call or the mail from XXXX XXXX. I faxed the outline to XXXX on XX/XX/XXXX and called to verify they received it on XX/XX/XXXX yet was told it was still processing in and I needed to allow 48hrs for fax processing. It had been 3 days so I asked to speak with a Supervisor. I spoke with XXXX who told me the same waiting periods but stated I must have misunderstood about the 5 day waiting period. The company has 5 days to respond to them, there wasn't a call back for security reasons to speak with fraud dept. I explained that my utilities were about to be disconnected and I had no money for gas or food and needed my claims processed. XXXX checked into my fax and told me they had not received any fax from me and I would be receiving my claim forms 10 days after filing the report. I re-faxed the complaint and as the previous time I had a confirmation of a successful fax. In addition, XXXX, the supervisor told me if the forms are not returned, signed and processed within 10 days there would be no provisional credit and I received the paperwork for the second claim 11 days after filing. I never received the paperwork for the claim filed on the XX/XX/XXXX. I am requesting your office to step in and assist me in having these unauthorized charges dealt with because it seems I am not getting anywhere. I have only seen 3 months of statements, I still have no access to my online account and the funds that were stolen are my only source of income. I have requested to have all my statements be sent to me but only received 4 months and there were charges in the beginning of the 4th month which the unauthorized use clearly goes back further. I don't see the sense in creating all these service numbers and will put all transactions on one once I have access to the information. I have agreed to assist in prosecuting the person that I believe did this and have given his name and the specifics how he had gained access. Please help me have my funds restored and hopefully have XXXX XXXX cooperate and take interest in my situation as it has been since XX/XX/XXXX I have requested help.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XXXX I tried to make a purchase on XXXX and it was declined. I received a email from XXXX which I read on the XXXX. I then logged into my account with with XXXX XXXX and found that on XXXX at XXXX an IVR Money Transfer was transferred to XXXX XXXX, confirmation number XXXX for the amount of {$500.00}. On XXXX I called XXXX XXXX. My PIN had been changed. XXXX XXXX told me that they would send the necessary forms that I needed to complete and FAX to them. By Wednesday, the XXXX I still had not received the forms so I called them again. They said they would re-send the forms. I asked them when can I expect my account to be credited the {$500.00} and they said within 45 to 90 days. It is now the XXXX and the mail has come and gone and no forms. XXXX XXXX was assigned to me by the SSA. I called the SSA and they said there was nothing they can do even though they assigned me to XXXX XXXX. I called Comerica Bank whose logo is on the card. They also told me that there was nothing they can do. I XXXX 'IVR Transfer ' and XXXX XXXX came up. It seems that this has been happening for some time ; money transferred and PIN 's changed.
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A