Date Received: 2016-01-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had all my funds stolen at the XXXX Bank ATM in XXXX, XXXX. I want my {$3900.00} returned to my account. From XXXX XXXX, XXXX to the present I have constantly called Direct Express being lied to. I have never received a complaint form. The letter below was supposed to have been sufficient to get my money back according to Direct Express. My complaint was cancelled XXXX XXXX, two days before XXXX XXXX Received my complaint letter. THIS LETTER WAS OVERNIGHTED AND RECEIVED BY DIRECT EXPRESS AT XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX Direct Express Direct Express Fraud XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account No. XXXX Dispute No. XXXX Subject : Immediate Restoration of Funds XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Dear Sir : Due to circumstances beyond my control funds were stolen from my Coamerica Banking account for the months of XXXX, XXXX, and XXXX. This is a chronology of what was taken : XXXX XXXX - My wallet and my Coamerica card was picked from my pocket. My wallet was found with several purses hidden on a shelf in XXXX in XXXX XXXX, XXXX. Since my cards were still in my wallet, I thought only my {$350.00} in cash had been stolen. XXXX XXXX - {$600.00} was stolen from my account at XXXX XXXX XXXX XXXX - {$600.00} was stolen from my account at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$30.00} withdrawn by me. Social Security was investigating my loss of funds. No funds in bank because Social Security was still investigating. Coamerica investigating loss of funds. XXXX XXXX - New Card No. received and activated. XXXX XXXX - Social Security Deposited {$3000.00} XXXX XXXX - Activated new card XXXX XXXX - {$600.00} stolen from card from ATM @ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$600.00} stolen from card from ATM @ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$300.00} stolen from card from ATM @ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$600.00} stolen from card from ATM @ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$600.00} stolen from card from ATM @ XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$350.00} withdraw for car payments. I need all of the above money stolen from my account returned immediately. My car was repossessed because I was unable to make the payments for three months due to my money being stolen. I am supposed to receive my new card XXXX XXXX @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and I am changing the pin as soon as the card comes. I will not activate the card until XX/XX/XXXX I check with the Investigator at Direct Express ( phone XXXX ) until he assures me it is safe. I will also make sure my address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is correct when I activate the card. I am overnighting this letter today at XXXX XXXX and the investigator should be able to catch the robber at the ATM at XXXX XXXX XXXX XXXX, XXXX, XXXX before I receive my next monthly check. PLEASE CALL ASAP SO I CAN ACTIVATE MY CARD AFTER THE CRIMINAL IS CAUGHT. I AM TOTALLY OUT OF FUNDS, LIVING WITH MY GIRLFRIEND AND I HAVE HAD MY CAR REPOSSESSED. I HAVE ASKED XXXX XXXX XXXX TO PLEASE MAKE IT POSSIBLE FOR ME TO PAY THE {$1000.00} BACK PAYMENTS AND {$530.00} STORAGE FEES SO I CAN GET MY CAR BACK, PAY MY RENT, AT LEAST SOME OF MY DELINQUENT BILLS AND GET GROCERIES FOR MY APARMENT. Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX I talked to XXXX about my case, phone number XXXX XXXX/XXXX/XXXX I talked to XXXX XXXX She assured me that my complaint form was being mailed that day. She said she would have my case resolved in 24-48 hours. XXXX/XXXX/XXXX I talked to XXXX XXXX he said there was no letter in the file, my case had been cancelled due to not receiving a complaint form and that he was sending me out a new form. I have still not received any form. XXXX
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Comerica Bank in XXXX has been mailing my pension cheque for 30 years. In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-07
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2016-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-05
Issue: Other transaction issues
Subissue:
Consumer Complaint: My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.
Company Response:
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-30
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: THE PURPOSE OF THIS COMPLAINT IS THE FOLLOW UP ON CASE NUMBER XXXX. THE COMPLAINT IS AGAINST COMERICA BANK. THE PERSON CONTACTED WAS XXXX AT ( XXXX ) XXXX XXXX. MESSAGES WERE LEFT ON XXXX XXXX 2015, XXXX XXXX 2015, XXXX XXXX 2015. THERE HAS BEEN NO REPLY TO DATE. THE INITIAL RESPONSE FROM THE RESPONDENT IS NOT SATISFACTORY. THE FIRST RESPONSE OF THE RESPONDENT IS NOT AVAILABLE. COMPLAINANT TRIED TO LOG ON TO CFPB ACCOUNT BUT THE SYSTEM DID NOT ALLOW ACCESS TO THE DOCUMENTS. CFPB WAS CONTACTED BY PHONE ON XXXX XXXX 2015.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XXXX/XXXX/2015, my account with Comerica Bank was charged XXXX ( XXXX : {$7.00} and {$7.00} ) overdraft fees for transactions that were pending. The {$7.00} is a monthly service fee that comes out of the account systematically on the XXXX of every month. The {$7.00} was a charge to XXXX XXXX, which was breakfast purchase XXXX/XXXX/2015. According to the ledger balance before checking my balance there was a positive balance of {$18.00} on XXXX/XXXX/2015. This figure was double checked by adding back the pending transactions in case there was something not seen on the computer ledger. According to my personal records, the balance was accurate. The same evening of XXXX/XXXX/2015 at XXXX XXXX, I charged {$31.00}, which clearly put the account in over draft. The {$31.00} cleared the bank and {$200.00} deposit posted to the account XXXX/XXXX/2015. On Monday, XXXX XXXX, 2015, we received a letter stating that our account was overdrawn the pending charge left {$2.00}, which was not enough to over the prior XXXX pending charges of {$15.00} ( {$7.00} and {$7.00} ) ; we were being charged {$50.00}. Despite the fact that {$31.00} was not charged until the evening of XXXX/XXXX/15 ; did not clear until XXXX/XXXX/2015, we were told by XXXX representatives that we did not have enough to cover the {$7.00} and {$7.00} on XXXX/XXXX/2015 because {$31.00} was pending when {$7.00} and {$7.00} cleared. Despite the fact that {$7.00} had been pending since XXXX/XXXX/2015 and {$7.00} had been pending since XXXX/XXXX/2015, the transaction for {$31.00} began pending on XXXX/XXXX/2015 after XXXX XXXX, which is clearly after {$7.00} and {$7.00} became transactions were taken away from the " available balance '', on XXXX/XXXX/2015. The customer service representative stated in the initial response that " we take the largest to smallest transactions first ''. Is this not what Comerica Bank was found guilty of in " The case is XXXX v. Comerica Bank NA, Case No. XXXX, in the U.S. District Court for the XXXX District of Florida. It is part of multidistrict litigation known as In re : Checking Account Overdraft Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of Florida '' . If largest to smallest applies, then how does Comerica explain that smallest the posted on XX/XX/XXXX and the largest was on XX/XX/XXXX. Next, we were also told that the account does not subtract from the balance until charges actually post to the account. I have had charges pending that were never charged to the account, I was not charged overdraft for the charges that clearly would put the account in overdraft during the hold period. 1. Transaction ( 1 ) - {$7.00} - XXXX/XXXX/2015 - cleared on XXXX/XXXX/2015 2. Transaction ( 2 ) - {$7.00} - XXXX/XXXX/2015 - cleared on XXXX/XXXX/2015 *available balance as of XXXX/XXXX/2015 less transaction XXXX & XXXX would have been {$18.00} 3. Transaction ( 3 ) - {$31.00} - XXXX/XXXX/2015 - cleared on XXXX/XXXX/2015 4. Transaction ( 4 ) +XXXX - XXXX/XXXX/2015 Transactions XXXX & XXXX did not overdraft the account {$31.00} overdraft the account if we are to agree, but according to XXXX Comerica representatives, transaction # XXXX & # XXXX overdraft the account. According to Comerica 's philosophy, the account is not charged until the transaction cleared, # XXXX, # XXXX, and # XXXX all clear the account because they are not certain if the pending charge will ever become an actual charge. The solidifying fact and according to Comerica 's own philosophy, " charges is not an actual charges until the charge posts to the account, which in this case there was enough money available on both XXXX/XXXX/2015 and XXXX/XXXX/2015 to cover the charges respectively. If they are to charge by the authorization date ( pending date ), there should have only been XXXX overdraft charge. We received XXXX overdrafts for items that visible in the account balance versus the available balance. If we were to following the flow of transactions XXXX through XXXX, there would NOT have been any charges assessed to the account.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2015-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. Thank you for your consideration.
Company Response:
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2015-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Billing disputes
Subissue:
Consumer Complaint: Hello I have social security XXXX I 'm a XXXX veteran, social security deals with XXXX XXXX card through comerica bank, money is direct deposited. Money has disappeared from account several times have filed XXXX disputes and have over 12 hours on phone with banks employees. I have several lies on recording they told me I was hacked. I 'm missing over XXXX dollars now on XXXX Friday my account was drained I called and made them aware it was n't me and comerica bank supervisor said I had to wait and let it be stolen then file a dispute. Another employee stated that the manager was to lazy to stop payment. The bank refuses to send me statements from day one. They refuse to allow me to file a dispute. The internet says that comerica bank was hacked and wo n't tell costumers. This is an inside job as every card they issue me is stole from before I even use it. They have put XXXX dollars back on my card and want me to go away. I want a full investigation into my account and the bank they are responsible for my money being stolen and refuse to help me. This is grand larceny and committed over several states so FBI matter also, I live in Ohio card was used all over united states on XXXX Friday. While on the phone with company my money was stolen. If I close account and switch banks I will never recover money they will only talk to costumers. Help me please.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: See attached document regarding the mis-handling of bank account, excessive amount of time to take care of customer via customer service and denying fraud complaint.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-30
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! XXXX
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No