Date Received: 2018-03-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I got cheated by on online seller who sells computer virus protection I contacted direct express they said we will help you get your money and if not we will refund you your money after investigation they said they are not able to get the money from the business nor will they help with the refund all they say is we are sorry you got scammed
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX during a seasonal low period in my business, I was extremely cautious of my balances in our business checking account. Our payroll hit our account on XX/XX/XXXX, first thing in the morning I ran to the bank to make a deposit to cover 3 of the 14 debits as the funds were there for 11 of the debits. The unethical bank or banking practices took the debits before applying the credit in the same day. They charged me 14 x $ XXXX= {$530.00} in overdraft fees. I tried to work this out at the branch, they gave me a courtesy credit of {$190.00}, although it was appreciated, I was made aware of XXXX XXXX unethical practices, they settled a class action law suit in XX/XX/2012 but I feel they are up to their unethical practices again.
Company Response:
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-17
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On the early morning hours, I awoke due to chronic pain in my legs ( I suffer from XXXX XXXX ), approximately at XXXX XXXX. I checked my phone app to check if my XXXX deposit had been made, and I would be able to access the funds. Only, when I checked, I discovered, much to my dismay, that shortly after the deposit had been made, several charges had been made also. These charges were as follows : {$7.00} - International fee charge {$15.00} - International fee charge {$500.00} charge made to a company : XXXX XXXX XXXX {$250.00} charge made to the same place as above. I immediately contacted my card service, XXXX XXXX, so they could cancel the card and file a claim against whoever was making these fraudulent charges. ( Approximately : XXXX XXXX, XX/XX/18 ), Only to be told that I had to wait until these charges actually went through, then, they would begin a claim. So I waited until Saturday afternoon ( XX/XX/18 ) and discovered that the charges had gone through and they would begin the claim. I spoke to a young woman in the Claims Department, who took down all the information and then told me that they would begin processing this right away & I would receive a copy of the complaint/claim in the mail in 3-5 days. Well I immediately alerted all my creditors and landlord to relay this information, so I would not lose service or become evicted from my apartment. On Thursday, XX/XX/18 ) to find out about why I had not received ( 1 ) the forms ( so I could show everyone that the claim had indeed been filed and not to worry ), & ( 2 ) the new card. I spoke with a supervisor in the Level 2 area, by the name of XXXX who then informed me that everything had been mailed and to be a bit more patient. When I told her that my landlord was not a patient person, she then told me that they would send out another set of forms. I received the replacement card yesterday ( XX/XX/18 ), but as yet have not anything in writing from XXXX XXXX to either confirm or deny that the claim has been filed. I contacted them ( XXXX XXXX ) again today ( XX/XX/18 ) to convey that my landlord was threatening eviction, because I had no physical evidence regarding either the missing monies or the claim that I had filed over 11 days ago. The Level one operator told be after conferring with her supervisor, that indeed they could talk to my landlord in a 3-way call, if I would like, to which I readily agreed. I was transferred to a young woman in Level Two ( XXXX ), who informed me that she COULD NOT participate in such a call and that the duplicate forms had already been sent out. She then told me that the Level One operator I had spoken with had put notes on my account, basically that the Level Two operator would be making the call, but there seemed to be some confusion from the Level Two operator. I said to XXXX, could I please speak to a supervisor, because I was at my wit 's end. She told me that there were none available, so I asked her what the corporate office number was and how I might contact them? She promptly replied : Look it up on the internet ; cause she was NOT going to give me that information. If Social Security is using this company to disburse their funds to us, then they must be aware of all the shenanigans that we as consumers are having to go through with XXXX XXXX. I'm getting absolutely no where with XXXX XXXX, and do not want to get any eviction on my record, I feel as if I am losing control of my finances at this point. It is a very scary feeling to be be having when I am totally XXXX and alone and rely on XXXX XXXX to follow FDIC guidelines in processing the claim and following through with consumers and helping them through this sort of process. I was given the number to XXXX XXXX Customer Service ( I already have it ; its on the back of the card ) and was told by a woman ( XXXX ) at FDIC, that if they were not going to help me further, that I should contact the Consumer Protection Agency ( you ). I am hoping that you will be able to solve this dilemma before myself and my pets are evicted and have to live on the streets.
Company Response:
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.
Company Response:
State: WI
Zip: 54751
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2017 I had {$420.00} taken from my VA XXXX comp deposited into my XXXX XXXX checking account from XXXX XXXX. I called XXXX XXXX and was told no my SSN, Date of Birth, and other information did not match the account that charged to my debit card but since it was fraud I had to file a dispute with my bank. For many days I tried to contact XXXX XXXX XXXXo file a dispute finally after weeks of calling, being told I needed the " level 2 fraud '' department then after being transfered I woule get a message saying that they were busy and to try again later and abruptly hung up on, I finally got a hold ofsomeone and told them that I feel that should have a call back option. The rep got extremely rude and said thats just not an option, call back or don't, is there something I can help you with or not, in a rude tone. So finally I explained the situation and was told they would sebd out paperwork. I submitted the forms they sent tgat I recieved 14 days after talking to them. With my SSN and dob to show that wasnt my account because it toom so long I couldn't pay rent as my VA is rent money, we just went through an eviction and just foubd a place, then mid XX/XX/XXXX they gave a {$420.00} credit, and now today hours before my VA is to be deposited they removed {$410.00} from my account as a credit reversal, I was told the dispute is still ongoing and that they don't have a reason and don't have to give a reason as to why the credit was taken. I have a XXXX XXXX old daughter and a wife and am a XXXX. This is horrible treatment. I held up my part, tge company agrees account isnt mine, and these guys just randomly cor litterally no reason reverse a credit one day before my VA/rent money comes in? And when I ask for someone else they hung up on me. This is horrible mistreatment.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2018-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A