Date Received: 2016-08-17
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2016-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-17
Issue: Other fee
Subissue:
Consumer Complaint: I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''
Company Response:
State: IA
Zip: 52501
Submitted Via: Web
Date Sent: 2016-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-15
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My complaint is about " Direct Express ''. They are a rip off company they steal money through their illegal fees AND it is almost impossible to get through to someone. Either the phone system wo n't let you in by saying call volume is high, & to call back. Or finally - when you get through - the phone call is dropped while transferring the call to customer service. Then, IF one does get through via the phone, the customer service reps do n't do what they say they are going to do. When I finally get through to someone then I GET A DIFFERENT STORY than from the previous representative. ( If you want all the times I called let me know. ) Ever since I received my first social security dispersal in XX/XX/XXXX THEY HAVE CONTINUALLY STOLEN MONEY from me by charging me illegal fees for the ATM service. Stealing is against the law for me - why not for Direct Express? I was told in XX/XX/XXXX by someone in one their phone call center that I was to have XXXX FREE ATM CHARGE monthly from a Co-America bank. But they continue to illicitly charged me {$.00} when I use the XXXX ATM. In XXXX they reversed some of their illegal charges and now I found out they have done it again - for at least 10 months. I called AGAIN on XXXX/XXXX/XXXX. It was necessary to spend over 55 minutes on the phone. At the end of the long & frustrating ordeal I was told I would have an answer in 5 business days. That did n't happen so I called several times ON SEVERAL DAYS beginning XXXX/XXXX/XXXX. Direct Express is very difficult to get through to. On XXXX/XXXX/XXXX " XXXX '' told me that my " request for the refund of the wrongly charged ATM fees was denied and there was no explanation ''. I paid my money into the social security tax system many, many years ago and I DO N'T LIKE HAVING TO PAY TO GET BACK MY OWN XXXX MONEY FROM DIRECT EXPRESS OR CO-AMERICA BANK. THIS IS WRONG, WRONG WRONG.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-10
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I was enrolled in the direct express debit card where social security benefits can be received I was mugged on XXXX XXXX and my card and cellphone along with all my Medicare medical and i.d . we 're taken which I had in my wallet I am XXXX XXXX I also am XXXX so it 's difficult to remember pin number was on a paper inside pocket of wallet the people who mugged me went and made a transaction that was in the amount of {$980.00} and I contacted the card company filed a dispute gave clear explanation to incident they set up matter for investigation I was sent a letter asking me for additional details I sent a letter with atmosphere information and the amounts withdrawn from the car XXXX transaction and I waited for a reply from the company they had decided that no incident occurred and said they were not liable for any of the following transactions and would not be reimbursed so I asked for appeal with the results I also filed a complaint with XXXX then was contacted by a employee who is in charge of the investigation team then she said she would help resolve this matter she then mailed my account activities for the month of XXXX and XXXX showing withdrawalsome on XXXX XXXX for these amounts {>= $1,000,000} I had gave a full report to her about what took place the night of the mugging also told her I had no phone to call notified them within 2 days of incident she got in touch with me telling me in order to get the results of reimbursement of funds I was going to have to provide additional information I told her that I only had the purchase record of the cellphone I got in XXXX the carrier name me XXXX and she told me I need to get video for atmosphere machine or security recordings of place where atmosphere is located at I know I ca n't obtain anything like that in any need now I have been calling the person who is doing this matter and she ignores calls I left messages no replies and sent emails no response I want you to assist in recovering my funds from this company please contact me ok
Company Response:
State: CA
Zip: 91731
Submitted Via: Web
Date Sent: 2016-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-09
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: I purchased a XXXX ticket on XXXX XXXX of 2016, from XXXX to XXXX for XXXX departure time at the XXXX Library twenty ( 20 ) minutes before the library closed. On XXXX XXXX, 2016 at XXXX I arrived at the XXXX Library to download and copy and print my XXXX ticket to get and depart exactly XXXX across the street from the XXXX Station, XXXX Pick-Up location on XXXX XXXX before XXXX. When the ticket did not show up in my email I called XXXX on XXXX XXXX, 2016, at XXXX, spoke with a female about not receiving my ticket, and how had I checked my email, spam, trash and inbox and had not received a bus ticket. She told me to write down some numbers regarding this bus ticket then she just disconnected and no one was no longer speaking to me on the phone as I repeated " Hello are you there? '' she was not so I did not get the information she told me to write down. I called back this above same date at XXXX, this time I spoke with a male, who stated he had sent a ticket to my email address. After sitting at the XXXX Library till XXXX and walking outside and being able to see the XXXX from across the library parking lot still without a bus ticket I rushed backed inside the library to see if the ticket had been sent. I started to get agitated and upset waiting there for this bus ticket. I went back outside and saw the XXXX leaving which infuriated me more. So I sat at the library computer till XXXX until I could stand it no longer seething. I walked back home with my luggage XXXX blocks away from the library. After I got home at XXXX, I called XXXX back telling them I wanted a refund and some female who said she was in XXXX kept trying to reschedule me for a later departure when I had n't even gotten the first bus ticket. So what sense does that make XXXX She wanted to reschedule me a ticket departure time at XXXX of which would have been XXXX ( XXXX ) late where I was trying to get before XXXX. It would have been useless since this was a scheduled mandate XXXX. Then she wanted to see if she could reschedule me a ticket for some other future date than refund me my money. I asked her was she crazy or on drugs. She would n't connect me to a manager and kept telling me the manager would tell me the same thing so I said " Then let me be the judge of that. It 's my money not yours. '' She hung up on me. I called back to speak with a manager and kept getting people asking me why I needed a manager that I needed to go through them first to resolve my issue before speaking with a manager. What a crock of you know what. When I finally got the XXXX ticket to my email it did not arrive till XXXX XXXX XXXX, 2016, which I found out at the XXXX Library the next day on the XXXX of XXXX. Tracking XXXX My dispute regarding evidence given and attached herein. I am certain there was not a impartial genuine resolution attempt to said dispute. Several indicate that Comerica Bank not only has a lackadaisical interest in customer resolutions or debit card issue. But rather encourage denial of provisional credit and fraudulent practices to deceive and cipher fees from money transfers where even the transfers are returned and Comerica Bank keep those fees always from the initial transfer transaction. To date am due disputed {$3.00} in transfer fees that I was informed I would unequivocally receive to no avail. XXXX under XXXX XXXX XXXX XXXX XXXX - Bank fraud. The XXXX Treasury has a duty to reach out under the law to individuals being used by Comerica Bank for unjust enrichment practices ignored by the Social Security. This complaint entails a lack of enthusiasm to thoroughly investigate several transactions I made to Comerica Bank, whom exhibits a bias motivation concerning Social Security Beneficiaries.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2016-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I serve as XXXX. My father called me for assistance on an account he has at Comerica Bank. Based on my father 's experience, I believe Comerica Bank is in violation of Regulation E and is operating its Direct Express program in an Unfair and Deceptive Manner. The arrangement between the XXXX XXXX and Comerica should be looked into considering the vulnerable population they serve. My father receives Veteran 's benefits via a Direct Express account. On XXXX/XXXX/2016 he phoned their Customer Service line XXXX to verify his direct deposit and confirm his account balance. His balance was unexplainably lower than expected, so he went through a complicated touch tone process, eventually reaching a representative who read him a series of transactions that had recently occurred - each of them out of state and for varying amounts at establishments to which my father had never been. My father reported these transactions as fraudulent. The representative told my father that looking into these transactions could take 90 days and mentioned nothing about providing him provisional credit within 10 business days. On XXXX XXXX, my father phoned me to explain that he had called again to the XXXX number to find out if they had learned anything about the fraudulent transactions. The representative to whom he spoke said that he should have received something in the mail. My father informed the representative he had not received anything in the mail. The representative said he should wait because today is only the XXXX and they placed the information in the mail on the XXXX. This is when my father called me ( concerned that he will not be getting his money back ). We phoned the XXXX number together as a conference call. The Representative, " XXXX '' to whom we spoke at XXXX Pacific Time, went through a litany of identification processes to confirm my father 's identity, and then proceeded to explain that she is prohibited from having a conversation about my father 's account. We then explained that we would not ask questions about my father 's account specifically, but we wanted to gain an understanding of Comerica 's Reg E Dispute process. She stated she could not speak to us. I asked her if there was a number to call - and she reiterated the same XXXX number that we had dialed into to. She stated no one could answer our questions. We ended the call. I asked my father if he received a bank statement on this account. He stated that he does not - and does n't know why he does n't get a statement. I phoned back to the customer service line and went through a number of prompts to learn how he could obtain a paper statement. An electronic recording stated that in order to enroll in paper statements, a {$0.00} per month fee would be assessed. My father is unaware of how to reconcile his accounts online and is challenged to navigate Comerica 's terrible XXXX number, and is unable to have a helper assist him in navigating his account via telephone. To our knowledge, Comerica is doing nothing about the fraudulent charges and he is without any means of obtaining more information or customer service. To my knowledge, Comerica owes him provisional credit by the XXXX of XXXX, and has 45 days to research his claim from the date of learning about it, and up to 90 days under special circumstance. It is unfair and abusive that veterans are not entitled to free paper bank statements that would allow for others to assist them with their reconciliation processes. Comerica is in violation of Regulation DD in not allowing consumers to ask general product questions and receive account disclosure information unless they have an account. I understand that they can not ( for privacy reasons ) discuss account matters with persons that are not signers on the account.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-05
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.
Company Response:
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2016-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2016-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: The Embezzlement : Comerica Bank XXXX XXXX, XXXX XXXX ( RSSD No. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX ) Embezzlement conspiring with Comerica Bank ( Texas XXXX Bank ) and XXXX XXXX ( Collection agency ) Comerica Bank XXXX XXXX, XXXX XXXX with no bank account registered, no legal right to claim a debt, no service of legal document filed in a court of venue and jurisdiction, conspired with Comerica Bank ( XXXX Bank located in XXXX, TX ) to freeze my Check/ATM Card not my checking account. Also conspired with XXXX XXXX pretending a Writ of Garnishment was filed in a court that does not exist in XXXX XXXX TX. Details of embezzlement committed by Comerica Bank XXXX XXXX, XXXX XXXX ( RSSD No. XXXX ) Comerica Bank XXXX XXXX without an established bank account used Comerica Bank in Texas to freeze {$4500.00} our bank account with no reason or legal document. Comerica Bank froze our Check/ATM Card to get our attention Comerica Bank was never served a Writ of Judgment by a court of jurisdiction, Comerica Bank XXXX XXXX using fraudulent Customer/Branch Notice of Garnishment for {$2800.00} and Pledge Hold for unknown amount conspired to embezzle a total of {$7400.00} with Comerica Bank ( Texas XXXX Bank ) without documentation Pledge Hold {$4500.00}. Listing a court in XXXX XXXX, TX that does not exist, using XXXX XXXX as a Plaintiff who never paid filing fee in any court claiming funds. 1. Without a registered bank account in my name, Comerica Bank XXXX XXXX mailed a carbon copy of Customer Copy 1 - Customer/Branch Notice of Garnishment. Reference No. XXXX - dated XXXX/XXXX/16. Using Comerica Bank ( State Bank ) document mailed from XXXX. 2. Manually blocked out the bank account number on the Notice of Garnishment 3. The Notice of Garnishment identified a hold placed on XXXX XXXX Check/ATM Cards. 4. The Notice of Garnishment also contained a Pledge Hold with undisclosed amount while using Comerica Bank ( Texas XXXX Bank to Pledge Hold {$4500.00} ) 5. The Notice of Garnishment displays a total amount Garnishment Amount of {$2800.00} based on Plaintiff XXXX XXXX represented by XXXX XXXX XXXX XXXX. Filed in the court - XXXX XXXX Texas # 2 no such court exist in XXXX XXXX Texas. 6. Comerica Bank XXXX Assistant Banking Center Manager stated he has never seen a hold on Checking/ATM cards, he stated it was done to get our attention. 7. Comerica Bank XXXX Assistant Banking Center Manager could not explain why he could not issue a new Check/ATM card on our account. 8. Comerica Bank XXXX Assistant Banking Center Manager said the only way to resolve the matter was call XXXX XXXX or call Comerica Bank XXXX XXXX XXXX Processing in XXXX XXXX. The Scam : Comerica Bank & Trust was used to freeze our funds on our Check/ATM Card with no established bank account and no Writ of Garnishment filed in a court of law. Comerica Bank ( State Bank ) froze our Check/ATM Card knowing our Check/ATM Card had nothing to do with Comerica Bank XXXX XXXX. XXXX XXXX never paid filing fee in any court for legal action regarding my bank account. No party paid a filing fee requesting venue in XXXX XXXX XXXX XXXX XXXX TX. No party paid, filed, received, or served legal documents in a legal court to take the funds from our bank account. No matter which party I contact, no one had legal authority to claim or freeze our account. This is a catch 22, the only out the parties gave me was to get an attorney and file a motion in XXXX of the XXXX XXXX XXXX, XXXX XXXX, TX. This action would give all parties legal authority to cover-up their illegal actions and allow them to take our funds through a legal court via a new case number assigned to the fraudulent Writ of Garnishment.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Comerica Bank ( XXXX Bank ) Embezzlement conspiring with Comerica Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Collection agency ). Comerica Bank with no legal document filed, no service of Writ of Judgment and no Pledge Hold filed, froze my checking account in the amount of {$4500.00}. Comerica Bank conspired with Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX to freeze my Check/ATM Card not my checking account. Also conspired with XXXX XXXX pretending a Writ of Garnishment was filed in a court that does not exist in XXXX XXXX XXXX. Details of embezzlement committed by Comerica Bank ( XXXX Bank ) Comerica Bank never served Writ of Judgment Comerica Bank records claim it has Pledge Hold for {$4500.00} and has no knowledge of a Writ of Judgment for {$2800.00}. Location XXXX XXXX XXXX, XXXX XXXX XXXX. Facts 1. Comerica Bank XXXX Assistant Banking Center Manager ( XXXX ) claimed his bank has not received an original copy XXXX of the Notice of Garnishment. 2. Comerica Bank XXXX Assistant Banking Center Manager stated he has never seen a hold on Checking/ATM cards, he stated it was done to get our attention. 3. Comerica Bank XXXX Assistant Banking Center Manager could not answer why Comerica Bank placed a pledge hold on our checking account in the amount of {$4500.00}. 4. Comerica Bank XXXX Assistant Banking Center Manager could not explain why his system did not show the Notice of Garnishment in the amount of {$2800.00}. 5. Comerica Bank XXXX Assistant Banking Center Manager could not explain why with an amount to cover the hold, why he was instructed not to remove the hold on our Check/ATM Card. 6. Comerica Bank XXXX Assistant Banking Center Manager could not explain why he could no issue a new Check/ATM card on our account. 7. Comerica Bank XXXX Assistant Banking Center Manager said service of the garnishment was at the XXXX office not XXXX office. 8. Comerica Bank XXXX Assistant Banking Center Manager said the only way to resolve the matter was call XXXX XXXX or call Comerica Bank XXXX XXXX XXXX XXXX in XXXX XXXX. Banking Center Manager Assistant Vice President ( XXXX ) repeated the comments of branch XXXX Details of embezzlement committed by Comerica Bank XXXX XXXX, XXXX XXXX ( XXXX. XXXX ) The bank was never served a Writ of Judgment by a court of jurisdiction, conspiring with Comerica Bank ( XXXX Bank ) using fraudulent Customer/Branch Notice of Garnishment. Listing a court in XXXX XXXXXXXX that does not exist. Using XXXX XXXX to pretend legal action was filed. Facts : 1. Comerica Bank & Trust without a registered bank account in my name, used Comerica Bank around XXXX/XXXX/16 froze {$4500.00} from my checking account registered with the bank. 2. Claiming the Notice of Garnishment was completed at branch XXXX, Comerica Bank & Trust has no such branch XXXX. 3. Manually blocked out the bank account number on the Notice of Garnishment 4. The Notice of Garnishment identified a hold placed on XXXX XXXX XXXX XXXX. 5. The Notice of Garnishment also contained a Pledge Hold with undisclosed amount while using Comerica Bank ( XXXX {$4500.00} ) 6. The Notice of Garnishment displays a total amount Garnishment Amount of {$2800.00} based on XXXX XXXX XXXX represented by XXXX XXXX XXXX XXXX. Filed in the court - XXXX XXXX XXXX # XXXX no such court exist in XXXX XXXX XXXX. XXXX XXXX never filed filing fee in any court for legal action regarding my bank account.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2016-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes