Date Received: 2023-08-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Ive had 2 different fraudulent charges that had been debited from my Direct Express account ( Comerica Bank ONLY issues the cards ). Since XX/XX/2006 until XXXX they WHERE the company that my son & I had our XXXX payments deposited into. My son hasnt received benefits for a few years as he is XXXX now, and only received them under my XXXX. On XXXX a {$99.00} charge was debited from a merchant named XXXX XXXX XXXX XXXX XXXX CA United States of America. Ive never heard of this company I didnt authorize any charges, my card was in my wallet at that exact moment the charge was debited from my account, & I still dont know to this day what this company sells or what services it offers. Then began the nightmare that many days to get ahold of ANYONE w/just knowledge of their job. That started in XXXX & is still ongoing. On XXXX the XXXX unauthorized charge was debited for {$59.00} to merchant : XXXX XXXX CA UNTIED STATES OF XXXX. I then got back on the phone to for sure close that compromised card ( ending in XXXX ) & request new card be issued. I have almost 48 screenshots calling their company, of course, I have every single piece of paper that VET validates everything that I am stating, I even kept envelopes the cards came in. I finally get through to speak with a representative, politely ask her to close the card ending in XXXX, ask twice how long my new card will take to arrive, she tells me 5 to 7 business days ( verify if I need or need not to pay for Expedited shipping ), proceed to request being issues a new card, The rep verified my information, told me she has already submitted that request that I should receive the card soon, I tell her thank you & to please transfer me to the fraud dept. I talk to a fraud investigator who opens the claim, informs me she can email me the Questionnaire of Fraud, gave me the email address to return completed forms, & that was the end of that call. THEN came the headache!!! I knew when I hadnt received my new card w/in the 5 to 7 business days that something was wrong. I decided to wait until XXXX @ XXXX pm, rep hung up call immediately, clld right back on XXXX @ XXXX XXXX for 7 mins, rep then sd that the time frame for new card is 7-10 business days & XXXX get my card on the XXXX. He was not at all happy upon me challenging his word & especially after I stated very odd as when I just now called the automated system it states has been more than 5 to 10 calendar days since you ordered a new card press 0 to speak with a representative. I do have a screenshot of that phone call, among many many more. Of course he got upset and just hung up on me. So I was literally just on pins & needles, crossing my fingers that this new card would arrive w/the XXXX mail, or I would be in a huge bind financial wise. Id have my funds in my account @ XXXX XXXX on XXXX, but no way to access even a {$1.00} of course because not having even the card #. Unfortunately, the representative changed the name of the city where I live from XXXX XXXX to XXXX XXXX, so of course I never received the questionnaire of fraud that was due within XXXX business days in order for me to get a provisional credit as it was addressed to that address. I then had to make over 30 phone calls on XX/XX/XXXX to get another new card sent expedited. I just never expected to receive that original replacement card that had went to a city that does not even exist. I did not get my new card until XX/XX/XXXX, my bank account has never ever been overdrawn, I would have had access to the bills that were set up on auto pay. If that representative at XXXX XXXX had not changed the city where I live To someplace that doesnt even exist. It has gone even more downhill from there as even though I can show them all of the proof in the world they still will not do a thorough broad review, not some one day thing done on a Saturday just because how many years Ive had that account. One last thing to top it off they are refusing to give me my money that the supervisor has verified has been received by XXXX for an item. I had to return. Ive sent documents after document. Nothing ever gets done with that company. I completely agreed with the XXXX rep when he stated that they were recommending people who had just gotten approved for XXXX to go through DirectExpress, that the government was not going to renew their contract with them, he was actually the one that informed me they always have multiple multiple small claims suit for violating numerous different acts.
Company Response:
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Contacted Direct Express about 2 charges that were made by XXXX XXXX and XXXX XXXX XXXX totaling {$1500.00}. I was charged an extra week by both hotels and was not refunded after I left. I tried to get the amounts refunded to me by Direct Express and this was not done. This is elder abuse.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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 to report my card was lost on on or around XX/XX/2023 XXXX XX/XX/2023 I filled out a fraud packet on 15 th email it right back after that I called because it says on packet they sent me if I get it back 10 days from XX/XX/2023 id receive a provisional credit which I did get it to them in time they dtill were not done with investigation but as soon as I called about the credit they all of a sudden were done investigation so they denied my claim and said they can't proof fraud but on my email i asked for from them its says i might have dropped my card at gas station or left it in atm i never told them that on any paperwork so they say thats the conflicting information my card was lost at XXXX it was inside a small change purse and i kept my pin on very small piece of paper in another part of change purse with other things written on it so it would be hard to tell its a pin please help me XXXX was taken off my XXXX card that caused me to not be able to pay this month rent I'm on fixed income the direct express card company I feel didn't do a investigation and just doesn't want to give me the credit this card is my XXXX son card who is a minor and I'm his pay e
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I noticed over 50 unauthorized transactions on my statement and they all were to XXXX and my debit card wasnt even linked to XXXX. The bank associated with mu account only issued a refund for {$110.00} and I was told that XXXX is trying to take that money too even though I have locked my bank account and i have contacted XXXX and they are ignoring me and my bank says that they are pretty much not going to give me my money back. My bank is Comerica bank direct express is the card linked to this bank
Company Response:
State: IL
Zip: 616XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Now comes Complainant myself complaining against XXXX it's associates, third party building straw people for fried if a violation of the consumer protection act if a violation of the fair debit building act, against the XXXX XXXX in a sense but we'll focus on XXXX who retaliated after going to the attorney general the other day & thread me on the call which was documented to the federal and other separate civil rights bureaus that it would be dealing with me & I quote those words once I went to the attorney general 's office which I've already done or once those investigations have formulated the reconnaissance and the proof against XXXX is simple XXXX owes approximately {$9.00} four times the fall off pre-authorization whole amounts have not come out of the account today that has been reported to the worthless Bank who have done nothing but hung up the phone on me and taking my social security number and said that the computers have crashed well anyway through the periods of XXXX the XXXX to the present date 2023 I was unlawfully with no consent on canceled orders which is covered under the fair billing act charged a total of {$160.00} Plus an additional amount of XXXX something dollars around XXXX or {$23.00} for some toys that never came that was rare and potentially was stolen by the XXXX department employees but nevertheless XXXX XXXX XXXX and I am exempt from having my money stolen conversion against me also see XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other cases that prohibit conversion by third parties which is defined as an indefinite period of time of taking money from me and not returning it I was promised by XXXX and the money within these 10 days going on 10 days we have a less than three days left there has been little to no effort by XXXX to refund something that I have not received anything for but yet have been billed on card ending XXXX I command my money be refunded proof I was charged is attached XXXX XXXX XXXX Order date : Sun, XX/XX/2023 Order number : XXXX Some items were canceled Hi XXXX, We got your request and canceled some items from your order for you. You wont be charged for these items. View the cancellation overview in your order details. View order details Some things to know : You can always reorder items again through your order details. You may see a temporary hold on your card, but your bank should release it within 10 business days. Thanks for shopping with us, XXXX XXXX Have questions? Visit our Help Center Temporary hold card image XXXX ending in XXXX {$73.00} Released within 10 business days 35 items canceled Sold by XXXX item image XXXX XXXX Complete XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Order date : Mon, XX/XX/2023 Order number : XXXX Your order was canceled Hi XXXX, We got your request and canceled your order for you. You wont be charged for these items. View the cancellation overview in your order details. View order details Some things to know : You can always reorder items again through your order details. You may see a temporary hold on your card, but your bank should release it within 10 business days. Thanks for shopping with us, XXXX XXXX Have questions? Visit our XXXX XXXX XXXX hold card image XXXX ending in XXXX {$66.00} Released within 10 business changed by {$9.00} since it was placed, so well refund the difference. XXXX XXXX, 2023 Sold by XXXX item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Figure Qty : XXXX item image XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owes {$9.00} cent four times plus XXXX XXXX $ + {$100.00} cent. which equals {$160.00} $ plus the XXXX comics cost of The bank is equally as guilty because it is guilty of making me pay for something that is over {$50.00} that I was protected from paying under the consumer protection act none of the fair billing act I shouldn't have to play these prices well anyway you see how it plays out they also guilty of conversion and debt collection they legally and they threatened me with a coer s i o n About how " THEYD BE HANDLING ME, WHEN ATTORNEY GENERAL COMPLAINTS GOT UNDER WAY '' N HUNG UP CELL CALL N MY FACE DAY BEFORE XXXX. ALSO XXXX ALSO CONS, BAIT N SWITCHES LIES '' ABOUT LIKE XXXX RESOLVE IT N NOT.. XXXX XXXX page Order date : Sat, XX/XX/2023 Order number : XXXX Your order was canceled due to unusual activity Hi XXXX, We're sorry, we canceled your recent order for your protection because it was flagged by our credit and fraud team. You won't be charged for this order. Reorder your items Some things to know : You can always reorder items again through your order details. You may see a temporary hold on your card, but your bank should release it within 10 business days. Thanks for shopping with us, XXXX XXXX Have questions? Learn more in our Help Center Temporary hold card image XXXX ending in XXXX {$22.00} Released within 10 business days 1 item canceled Sold by XXXX item image XXXX XXXX Keyboard, Ultra-Slim Wireless Keyboard Quiet Portable Design with Built-in Rechargeable Battery for XXXX, XXXX, XXXX, XXXX and XXXX XXXX and Above XXXX XXXX XXXX XXXX Qty : XXXX {$12.00} Shop anywhere with the XXXX app Get it on XXXX XXXX Download on the App Store Questions? Visit our Help Center XXXX XXXX XXXX XXXX XXXX XXXX protects your security and privacy. We will never ask for personal information ( such as passwords or credit card numbers ) in an email. If you receive such a request, please do not respond. Learn more about online safety and see our Privacy Policy. Please do not reply to this email. This mailbox is not monitored. 2023 XXXX. All rights reserved. Ill be going back to XXXX, attorney general office n feds on y'all no FRAYD here XXXX XXXX quoted text XXXX XXXX XXXX Order date : Sun, XX/XX/2023 Order number : XXXX Some items were canceled Hi XXXX, We got your request and canceled some items from your order for you. You wont be charged for these items. View the cancellation overview in your order details. View order details Some things to know : You can always reorder items again through your order details. You may see a temporary hold on your card, but your bank should release it within 10 business days. Thanks for shopping with us, XXXX XXXX Have questions? Visit our Help Center Temporary hold card image XXXX ending in XXXX {$73.00} Released within XXXX business days XXXX items canceled Sold by XXXX item image XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Buttermilk, XXXX XXXX XXXX : XXXX item image XXXX Toaster Strudel Pastries, XXXX XXXX XXXX XXXX, XXXX ct, XXXX XXXX XXXX : XXXX item image XXXX Toaster Strudel Pastries, XXXX, XXXX ct, XXXX XXXX XXXX : XXXX item image XXXX Cristal Ballpoint Pens, XXXX, XXXX Pack, XXXX mm Qty : XXXX See all items Shop anywhere with the XXXX app Get it on XXXX XXXX Download on the App Store Questions? Visit our Help Center XXXX XXXX XXXX XXXX XXXX XXXX protects your security and privacy. We will never ask for personal information ( such as passwords or credit card numbers ) in an email. If you receive such a request, please do not respond. Learn more about online safety and see our Privacy Policy. Please do not reply to this email. This mailbox is not monitored. 2023 XXXX. All rights reserved. Error Icon Address not found Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response from the remote server was : XXXX XXXX XXXX... User Unknown Show quoted text
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My credit card that I get my social security check sent to, issued by Comerica 's " Direct Express '' was used for fraudulent purchases from XXXX XXXX on XX/XX/2023 for a total amount of {$170.00}. ( DE Complaint # Tracking ID # XXXX ). I shut the card down immediately, but the hold times for Direct Express exceeded an hour and it took until XX/XX/XXXX to report the fraud. These are the transactions that were fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I reported it, I was told a provisional credit would be issued, ( per law ) if I sent paperwork back within 10 days. I didn't receive the paperwork in the mail until XX/XX/XXXX, yet sent the paperwork priority mail to get it there within the 10 days allotted with USPS with a delivery confirmation showing the paperwork was received by them on the XXXX. Direct Express claimed that they didn't get the paperwork until the XXXX and fought me on the provisional credit. Worse, one operator with Direct Express stated that there was an email address where I could have sent the paperwork to, and that the fraud investigator should have given that to me so it would have been instantly received, instead I had to pay {$15.00} in priority mail to rush it to them. I made various complaints to their superiors and received a call from an investigator quickly issued the provisional credit allotted by law, claiming it was as a courtesy, even though my complaints contained the USPS proofs showing the paperwork was received in a timely manner. The investigator did a reversal of the charges stated above to XXXX, but at that time, XXXX claimed the charges were made by me, so Direct Express took the money right back out of my account, which again, its my social security money. I made a complaint to the California Attorney Generals office against XXXX for criminally abetting the fraud done to steal social security funds, after contact with them showed that they would not trace the account or give me any access to the {$170.00} worth of products they claimed I purchased. I heard from a XXXX investigator within a day of that complaint, ( XXXX reference # XXXX ) and he stated that for sure, if Direct Express fraud investigation until would do a second reversal of those charges, it would be certain that XXXX would not deny the credit this time. However, after making three calls to them to make the request, I have encountered humiliating questions about my XXXX status and one VERY horrifyingly rude operator that seemed to purposely get my information wrong in an effort to stop me from being able to ask for the second reversal of these charges to be done. I had to call back, and have screenshots to provide proof that the hold times were over an hour just to make this requests. Then, this morning, Direct Express took ANOTHER {$1.00} out of my account as an adjustment! Theyre just making it impossible to contact them, to get the second reversal done that XXXX investigator said would cure the issue for good, and now theyre stealing more money out of the account and I have no idea why! This has been work intensive to handle this and the core issue that Im XXXX makes it all the more heinous! How could any US government agency be allowed to target XXXX persons like that, because once they know you're XXXX, they know you can't afford legal counsel to sue them and they can simply treat you as inhumanely as they wish, it shouldn't be allowed. To be ASKED if Im XXXX by the rude Direct Express agent ( his name was XXXX XXXX then have him ridicule me with games to stop me from having this matter handled, having to call back twice and wait on hold for hours, after many many other calls equal to if not more than hours of hold times, its getting clear that Direct Express does not wish to efficiently handle what I believe has been made an easy resolution to the matter by XXXX investigator stating plainly that the money would be refunded, IF I could get Direct Express to do their jobs. {$170.00} is the difference between me being able to pay for rent and food, I dont have a savings account to fall back on. It is now a month and a half of this work intensive process being forced upon a XXXX person by a bank Social Security insisted I deal with after they ended paper checks. Instead, I believe theyre violating my civil rights by targeting me, as a XXXX person that they claim they have the legal right to identify me as such, and playing games trying to get me to give up on the refund. However, I think that, in addition to what I strongly feel is civil rights ( ADA ) violating questions and behaviors, I also feel that they are abetting the theft of the funds stolen from my account by fighting me at every turn and making it impossible to resolve this situation. I would like them to reverse those charges again, and account for the funds theyre continuing to take out of my account in adjustments. Please investigate!
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my checking account on XX/XX/2023, and since then I have not received my debit card. When I opened I gave a mailing address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, TX XXXX different from my home address XXXX XXXX XXXX XXXX XXXX, TX XXXX. It looks like the mailing address wasnt added to my profile and thats why im still waiting for my debit card. I requested 3 times to update the mailing address on file trough the online banking on XX/XX/XXXX, XX/XX/XXXX without any answer. Please proceed how was instructed trough secure message on the online banking. And also send a new debit card and pin. Thanks
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I have received a card to activate an they won't let me do to account verification an I have already been to ssa office said I had to resolve with direct express my last months benefits is on it an need it to pay bills I have sent multiple emails of id verification they send card an now they won't validate my account
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: All my XXXX benefit funds go to the Comerica bank card issued by Direct Express. I lost my card and requested a new card on XX/XX/XXXX. They claim DE issued a replacement card on XX/XX/XXXX, which should have arrived no later that XXXX calendar days from XXXX XXXX. It is XX/XX/2023 and I do not have a card, so I have no money at all. I called on XXXX XXXX and asked for help transferring money from Comerica to my local bank, where I recently opened a checking account. I tried using their phone system, but I found it very difficult to navigate to get money transferred. It says on their web site it is easy to transfer funds. I would counter that is almost impossible to do any kind of transaction other than checking your balance with Direct Express by phone or online. Since Social Security 's website directed me to Direct Express, I was expecting a competent and honest company. That is not what my experience has been. I will be cutting off my use of their services, but I think with all the class action lawsuits against Comerica and Direct Express, it is high time CFPB intervenes and at least warns folks without a credit union or bank account to find another method of receiving funds from federal agencies, especially the XXXX
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Money was taken from your bank account on the wrong day or for the wrong amount
Subissue:
Consumer Complaint: XX/XX/XXXX money was taken out my account
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A