Date Received: 2018-08-18
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed a checking account with Comerica Bank in XXXX of XXXX. While a customer of Comerica, prior to XX/XX/XXXX, I became XXXX, filed for Social Security XXXX, and provided them my then current Comerica checking account information for direct deposit purposes if I were to be approved. Fast forward 2 years post filing for XXXX and 1 year post relationship with Comerica, I was approved for my XXXX claim and the back pay of over {$30000.00} was sent to Comerica ( I couldn't update my direct deposit info until I was actually approved ). Instead of Comerica rejecting the funds because I no longer had an account with them, they accepted the deposit and will not release it to me. The reason for the hold on my deposit, according to Comerica is because they wanted to make sure the funds were not fraudulent, which I completely understood however, once all the necessary precautions were taken and all of my information was verified they would not release my money. I found out on Wednesday XX/XX/XXXX at my initial XXXX meeting that the back pay was sent to Comerica and they had in fact accepted the funds. I immediately went into the bank on the following day, Tuesday XX/XX/XXXX to speak to someone. The branch manager was hurrying out the door so I didn't get to speak to her. I ended up speaking to the Asst branch manager XXXX XXXX who was not at all interested in helping me and showed zero empathy with my situation. XXXX told me that there was nothing she could do and that Comerica did not have a corporate office or customer complaint department. I used XXXX to find the corporate quality process department and I spoke to XXXX. It seemed like I was finally gon na get some help after speaking to XXXX, she even said that she could possibly override and lift the hold on my funds. I did not hear from XXXX again until Wednesday XX/XX/XXXX. She did not take my call but had left a message for me with the receptionist stating that she had escalated my claim and I would be contacted by the appropriate personnel. Later that day I received a call from the branch manager XXXX XXXX and we discussed the situation. She told me to bring in all documentation that I had from Social Security that would substantiate what I was saying about the large payment that was due to me. I ran home and gathered everything that I had to prove the funds were rightfully mine however, XXXX said that the documentation wasn't enough and that I needed to provide her with a document from social security with my actual social security number listed on the document. I followed up with XXXX on Thursday XX/XX/XXXX with more documents that did list my actual social security number and she stated that she had enough information to complete her investigation and make a decision on if she would release the funds. Later that day XXXX called and said that all of the documentation that I had brought her was not enough and that she was going to need to speak to someone at the social security office and I needed to be on the line ; we conference in a representative so that she could verify some other information. On Friday XX/XX/XXXX XXXX and I called social security and waited over 30 minutes to get a representative. I was asked several personal and private questions to verify my identity which I was extremely uncomfortable doing with XXXX on the line however, I really needed my funds as I had been out of work and without income for over 2 years. XXXX asked the representative to verify my claim number, which was actually just my social security number so the entire call was a waste of time. XXXX told me she would communicate the information from the call to her District manager and she would call me back. She never called. I called her and she did not have any new information as she stated her manager was in a meeting. Frustrated that it is now Friday and past XXXX, I contacted XXXX from corporate quality process and pleaded with her to help. She stated that their was nothing she could do because her boss was to in a meeting. I have run out of all options and I do not know what to do next. I really need my money as I have a mountain of debt due to being out of work. I am not receiving any help from lower level management and I am tired.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: We have half a dozen accounts with our local XXXX XXXX branch. We recently received a notice regarding our 10 year-old son 's account ( XXXX XXXX ), saying that the account was closed. His balance of almost {$800.00} was shown as {$0.00} on the statement saying the account was closed. After some investigation we learned that the State of Michigan had absconded with the savings account of our son. When we asked the bank about it, they said that the account was taken by the State of Michigan as " escheated '' funds. I now know that this applies to dormant accounts ; however, we were never notified that the account was in jeopardy by our bank. Worse yet, we are in that bank at least monthly to manage something on one of active accounts. We are not hard to find, and we are most certainly active with the bank. My name is on the account because my son is a minor, and I have other active accounts with the bank. Still, the system and/or XXXX XXXX allowed the state of Michigan to take my son 's money. XXXX XXXX told us that they sometimes inform their customers that this is pending, but that our account didn't meet the threshold to make the list to be notified?!? When we asked why we didn't make the list to be notified, we got no response. No effort was made to contact us - the money just disappeared. I'm now told that it will take a minimum of ( 120 ) days to get the money back. This situation is so far beyond absurd, that I need help ... Sincerely, XXXX XXXX XXXX, Michigan
Company Response:
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: in XXXX 2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...
Company Response:
State: CA
Zip: 95354
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
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/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!
Company Response:
State: UT
Zip: 84118
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2018-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a XXXX year old XXXX recipient through the US Treasury supported XXXX XXXX Card. In XX/XX/2017, my debit card was stolen and the fraudsters stole over {$1200.00} from my much needed balance in a matter of two days. Their spendings were clearly on vendors and items that Ive never used before. Due to my old age, I have had my son serve as my fiduciary and has a legal power of attorney to handle my affairs for years now. He called and cancelled the card through XXXX XXXX within two days of the card being lost. However, when we filed the claim with XXXX XXXX, they rejected the claim because my son, who serves as my fiduciary and legal Power of Attorney, had the card ( along with all my other cards ) in his possession last when it was lost. XXXX XXXX says in their denial letter that they are denying the claim in accordance to Federal Regulation E which governs Electronic Funds Transfers : If a consumer furnishes an access access device and grants authority to make transfers to another, such as a family member or co-worker, who exceeds authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that the transfers by that person is no longer authorized. They are insinuating that my son is the one who spent the money but he and I have filed a police report ( to exonerates him ) and a simple look at the transaction will show the bank the transaction are done with vendors that we have never used and did not require a PIN. It is shameful for a company ( XXXX XXXX ) that the Treasury department refers its recipients to will to this low to prevent a XXXX year old from accessing this much needed cash. Every other bank weve filed a claim with has always simply refunded the funds while conducting their investigation. The company that should be more friendly to their aged and helpless customers is the one who declines the claims. This money has been outstanding for nearly a year and we dont know where else to turn to. Ive called repeatedly to their fraud department at the number provided on the Denial letter and they havent returned not one phone call. Please please please help us retrieve my much needed money.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This alleged company ( XXXX XXXX ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A