Date Received: 2018-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at approx XXXX I went into Comerica Bank to open 2 accounts ( business and personal ). It became late and they experienced a glitch in their system and asked if I could return the next day. I agreed. The next day I came in and they told me that they are not able to open an account for me due to XXXX saying I owed money to another bank. They told me to go to the banks and clear it up and come back to them with letters and they would give me back my money. They were clear in saying that they would not be opening an account, however. I went to the banks and discovered that after I closed my bank account auto pay items went through and created an outstanding balance. I immediately rectified the issue which in total was roughly {$350.00}. On XX/XX/XXXX I took my letters into Comerica and asked for them to give me my money back as they told me they were not opening an account. They then informed me that even though they said they werent going to open an account for me they went ahead and deposited my money and now I would have to wait 9 days. I was frustrated and told them I would return to pick up my funds. I specifically requested to pick up my money because I was anticipating moving in the next week. I went back in on on the XXXX and they told me my money was still not available. I again told them I would be back to pick up my check. I was sick the week of XXXX and they called me 3 times in 2 days. I went in on XX/XX/XXXX to get my funds and they told me they had mailed them to me. They said they mailed it out on XX/XX/XXXX. On XX/XX/XXXX I still had not received my check. I had my mail held on XX/XX/XXXX due to Comericas mailing my check and specifically to make sure the check would be at the post office. I went in to pick up my held mail on the XXXX. The check was not there. I called XXXX and told him I had not received a check in a 10-day period and I wanted that one cancelled and a new check reissued. He was rude and told me he could not help me until Monday. I asked for his manager to call me back. He told me she was working from home. I asked that she call me on her cell. She did not. The bank was also open on Saturday and I still did not hear from anyone. On Monday at XXXX I called the bank and asked for XXXX. She lied to me and said she was out of town when last week XXXX told me that she was working from home on Friday. I asked her where my check was, and she gave me the run around and said she was just finding this out. I do not believe that as I told XXXX I wanted her informed on Friday. I told her to figure out the timeline for getting me a check that I could come to the bank and pick up. I ensured she had my cell phone number and told her to call me back with that info by EOB XX/XX/XXXX. She did not call me. I do not have my money still. It is now the XXXX and the manager has still not contacted me about how to get my funds. Comerica has kept my money for 30 days. I have had damages due to this inability to access my funds. This is a ridiculous amount of time for them to hold my money while they benefit from it being deposited in their institution.
Company Response:
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I called in to complain about two unauthorized charges on my card to the representative on XX/XX/XXXX in which they mailed documents to me to complete. I submitted bank statements from their website with my information of the two charges that I did not authorized. I have also receive a letter that is dated on XX/XX/XXXX stating that " The results of our investigation could not find where an error has occurred. Therefore, no adjustment can be made to your Card account for the amount in question. You may request a copy of the documents which were used to decide the dispute investigation. As I receive this letter I called that same day and was told to write out a complaint in which I did XX/XX/XXXX and faxed it back to them. For they indicated that the information was not sent to them in a timely manner. Now as I indicated that I did comply with XXXX XXXX that I have no control over the US postal services how and when mailed is delivered from their establishment. But, Nevertheless the documents were sent to them in a timely manner. The company that took money from my account on XX/XX/XXXX in the amount of {$260.00} and on XX/XX/XXXX in the amount of XXXX. For this company has taken funds from my account beginning XX/XX/XXXX-XX/XX/XXXX and have no intentions of refunding my monies to me even though I contacted XXXX XXXX about this incident.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: concerning complaint # XXXX filed with the CFPB on XX/XX/XXXX. Thank you for the response filed on XX/XX/XXXX, and the reply on XX/XX/XXXX. XXXXXXXX XXXX has replied to me that there was a cash retract at the ATM at the time of my withdrawal for XXXX dollars plus XXXX dollar ATM fee. XXXXXXXX XXXX has told me ( in a letter ) from their Executive Office ( Mail Code XXXX ) XXXX XXXX XXXX XXXX, OH XXXX ; to contact my financial institution which is XXXX XXXX Debit Card. XXXX XXXX deposit my Social Security payments to the card each month. I have contacted XXXX XXXX FOUR times now, 3 times by fax and one time through the U. S. Mail. Each time I called after sending the further proof sent to me from XXXX XXXX, but XXXX XXXX insist that they have received nothing from me. The XXXX XXXX ID, or Complaint number dated XX/XX/XXXX is XXXX My letter from XXXXXX/XX/XXXX is from XXXX XXXX Phone XXXX RE Executive Office Case ID is XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been charge 11 overdraft by Comerica bank, they manipulate the transaction in a way that this happens. They show me on the app that I have the money I spentwith my card and the next day they show their charges as they were charge into my account the day before I spend my money that showed me available. I know I am responsable for the ones that cause me two overdraft but not for all the other ones they are charging me. It just does not have any sense me causing me 6 other overdraft for XXXX-18 -XXXX dlares that a spent when in my account said they were available and they dont understand that all they said is that is not bank error. I have tried to talk on the phone with people I went to my branch manager and they dont even try to listen or understand that just because Im therir sistem shows no error. They even charge you overdraft if an overdraft causes another overdraft and it goes on an on if you dont have the money. Is not fair!!
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. So then I called consumer finance and the lady gave me the website to y'all and here I am. I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. So please any help I can get would be greatly appreciated.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.
Company Response:
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I noticed a fraudulent charge on my account and a on XX/XX/XXXX There were 2 {$20.00} charges and a {$240.00} charge. I got the {$40.00} but I am waiting for the rest
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
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/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... i have recieved no further communication of any kind ... today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.
Company Response:
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
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 attempted to use my XXXX XXXX ( Social Security XXXX benefit ) card to purchase items at a local supermarket near home in XXXX MI. I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.
Company Response:
State: MI
Zip: 48161
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A