Date Received: 2016-06-03
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2016-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-24
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-23
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I HAVE NOT RECEIVED MY MOST RECENT BANK STATEMENT IN THE XXXX MAIL. COVERING DATES UP TO MID XXXX 2016.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.
Company Response:
State: OR
Zip: 97058
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-12
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2016-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Sunday, XXXX XXXX, XXXX To Whom It May Concern : My Name is XXXX XXXX. I live in XXXX XXXX, XXXX. In XX/XX/XXXX, I took out a home equity account in my name only. I have been told by loan officers that the loan was n't even legal. I n XXXX you must have the wife and the husband sign the loan. Comerica never had my husband sign the paperwork. I took a {$40000.00} loan form Comerica ; the account # is XXXX and since the inception of the loan I have been making the monthly payments. In XXXX, I noticed that my statements were no longer being delivered to my home. Furthermore, when I went to make payments in person at that time I inquired about the loan balance with one of the bank tellers helping process my loan payment. I was told by the teller that they were not able to pull up my loan information on their screens. When I finally was able see my loan information at the bank-you 'll recall that for some reason I was not receiving the statements by mail-I discovered that my loan balance was now more the {$65000.00}. I then informed the bank that I wanted the account to closed because there was unauthorized activity on the account. I asked for copies of the transactions on the loan to understand how/where the money was used but I never received any such documents from Comerica. I have repeatedly requested such info-including checks written on the loan- yet to no avail. XX/XX/XXXX, I went to the Comerica branch in XXXX, XXXX and a bank associate named XXXX XXXX tried to assist me by sending fax to Comerica headquarters asking for the account closure papers. Again, no documentation was forthcoming. In XXXX of that same year, I returned to the XXXX XXXX XXXX branch and, after speaking with the branch manager, I was informed thy would put a freeze on the account and do an investigation. I was not given any further information at that time other than that the account number had been changed to XXXX and was showing it was opened in XXXX XXXX. After my countless attempts to get to the bottom of the problem, I hired a lawyer, XXXX XXXX of XXXX XXXX, to assist me in my attempts to fix the situation. I was still making payment on this account, but my lawyer advised I should stop making payments to get the attention of the bank. In XX/XX/XXXX, XXXX XXXX from Comerica Quality Control ( XXXX ) said she would be assisting me and that my non payments would not result in my home going into foreclosure. Yet XX/XX/XXXX I receive notice that the bank was foreclosing and that my house would be sold at auction by the county sheriff. I was devastated and confused as to why I was about to lose my home because of fraudulent activity I was not responsible for on my loan account. I also filed a report with the local county sheriff 's office regarding XXXX unauthorized checks that were written against the account. My efforts have spanned nearly 6 years and the costs associated with trying to resolve this matter have been in the thousands of dollars yet I am still paying on a fraudulent account activity that led to my loan balance increasing. I was on XXXX during part of this time which, in turn, lowered my overall income. Given my limited income, I had a certain portion of my monies earmarked for regular living expense which had to be diverted to service the loan debt. I need relief from this burden which has taken more than just an economic toll on me. I do n't know what else I need to do to enlist your assistance other than to say : Please Help! If there is anything you need from me to help bring this to a conclusion, please instruct me. I will do whatever is necessary.
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes