Date Received: 2023-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A stranger fraudulently requested a new Direct Express card. I was alerted because they were trying to change the PIN and I received a notification. I immediately contacted Direct Express, and they took action to close and send me a new card. The account was comprised again through this process and the perpetrators charged and emptied my account from two different cities that I did not travel to. In processing this claim with Direct Express Fraud department, they have determined that no fraud has occurred and closed the case. Please see detailed documents attached in .pdf file. Direct Express is negligent. They gave my card to an imposter and now wont be accountable to offer simple consumer fraud protection offered by any standard debt/checking account.
Company Response:
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I was previously a XXXX member. I closed my account with them after they changed the amount you had to spend in order to receive free shipping of your items. But they have continued to charge me for membership. I have called and talked to managers 3 times only for them to tell me that i was not being charged as a member. They advised i call my bank. A time period did lapse in the beginning after my calling because the bank had changed the website and i was unable to sign in to my account which i called the bank and told them about this problem several times. Always being told they would have someone call me which never happened. I was charged {$14.00} on XXXX, XXXX, XXXX, XXXX, and XX/XX/25. During those time periods i bought nothing from XXXX. I promptly told them when i saw that i was still being charged this amount once i was finally able to see my bank statements and they will probably continue to charge me because the bank says they did nothing wrong.
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Complaint against organization : Organization Name : Comerica Bank XXXX XXXX XXXX : COMERICA BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Business : Financial Institution Estimated Employees : XXXX Employees or More Most Recent Date Of Harm : XX/XX/XXXX Area of Complaint : Housing Request Description : Denied a loan based on " not enough value '' when appraisals show higher value than loan requires, state tax assessment exceeds appraisals. I just finished a two year project building a house. I completed it in XXXX, got Certificate of Occupancy with City of XXXX in XXXX, and closed on a Mortatge with XXXX XXXX XXXX XXXX in XXXX. My real cost to build was well over 500k. I borrowed XXXX from owners builders loans to finance the construction. I invest at least 200k out of pocket, It is a custom designed, and I managed the build. I order two full appraisals see attached.. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX before house was finished XXXX XXXX {$520.00} XXXX XX/XX/XXXX Comerica drive by {$400.00} XXXX XXXX and XXXX Encounters I applied for a second with Comerica online.. I was hoping to borrow XXXX XXXXXXXX take care of some outstanding credit card debt and protect my XXXXXXXX XXXX I was pre-approved in Feburary.. Then I was contacted by Title company because the XXXX had not been recorded yet. They threatened to delete application and requuire me to start over. I had the XXXXXXXX XXXX company explain that legally they had 90 days to file but would expeidite filing for me. The Title work was recorded and clear in XXXX. I then recieved a call at the end of XXXX to say I was denied becasue Apprasial did not come in high enough. I was dumbfounded because they had all this info for weeks. I asked the lady to let me send her my real appraisals so they could correct thier stuff. She insisted it wouldn't do any good. So I asked to speak to someone else before I talk to my attorney because I felt like I was being discrimanted against. She finally had someone call me back who was very rude.. Kept trying to over talk me.. Said crazy stuff like the drive by 's always come in lower.. so I asked did they come in lower for just XXXX people? It was a fight and struggle trying to get her to consider actual appraisals that were XXXX more. Told me insane stuff like it was illegal for her to look at another appraisal, but send her the comparables. She made comments like he has no way of knowing you are XXXX ... duhh he came by and took pictures while I was home. I'm a XXXXXXXX XXXX XXXX with my pic and name all over social media.. urrrggg. If they do this to a XXXX, with excellent credit ... the average guy does not stand a chance.. I later got approved for same loan, by XXXX XXXXXXXX XXXX, same type of drive by appraisals. The tax assessment is actual higher than the apprisal! XXXX
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had my Direct Express debit card stolen on XX/XX/XXXX, tried cancelling my card through email correspondence and the email returned said they'll cancel the card. But it was too late, it was already accessed. Their response was they'll cancel my card, send me a new XXXX within XXXX days, of which it never came. I responded through my Direct Express account why it was taking so long and they responded there's no correspondence logged that I wanted it replaced. I have the emails to prove this. They finally emailed me stating I have to speak orally to them before any further action with my account could be taken. Due to having my phone stolen along with my Debit cards, I finally found a means of calling Direct Express and found someone had put another phone number on my account which wasn't mine. Thus, to do so, someone had to have corresponded with Direct Express using my name, XXXX number, ID etc which they had stolen, of which must also be the reason the Bank XXXX XXXX also reactivated my card -- how else could the transactions continue, otherwise -- without my knowledge? The transaction dates prove this. Someone already withdrew all the funds out of my Direct Express account, I believe I realized it on XX/XX/XXXX or XX/XX/XXXX when I saw the withdrawals in my XXXX transaction reports, which Direct Express sent for every transaction. I sent emails to Direct Express expressing this and they stated they'll do an investigation since I was now orally talking to them, replace my card which they did, approximately XXXX weeks later but their conclusion was that I withdrew all funds out of my account myself since my PIN was used, and they said there was no faulty bad PIN on my card. The same problem with Bank XXXX XXXX and XXXX debit cards, 'after ' I cancelled them. Why they'd justify declining my XXXX Claim stating there was no bad PIN is a mystery since they have no access or knowledge of it being faulty or a bad PIN as they stated when it was in use. In other words, their findings stated I withdrew it myself. I filed a police report, sent them a copy along with the details of my Direct Express being stolen, along with XXXX Bank XXXX XXXX debit card, XXXX XXXX card, ID, XXXX card and XXXX card to verify the theft in order for them to understand it was not 'me ' who withdrew funds from all XXXX cards and used the cards 'after ' I had the institutions employesl cancel them. Through the Bank XXXX XXXX it was determined that it was Identity Theft due to always having to have bank personnel at the branch I used in XXXX to verify my identity to the Fraud Dept upon every visit, and each time I was ordered to use the Bank XXXX XXXX 's 'land phone ' to prove I was the authentic XXXX XXXX XXXX the Bank XXXX XXXX account owner. They would not correspond with me on my own. In any event, at Direct Express, I had to wait 18 days just to talk to XXXX XXXX due to having to wait to get new ID that was stolen. I got reimbursed by XXXX for all funds, the merchants repaid all funds taken, thus, it's obvious my complaint if valid.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Name is XXXX XXXX. In XXXX I was laid off from my employment with XXXX XXXX XXXX where I worked for more than 11 years as a XXXX XXXX. After just a few months I ran out of my savings and was forced to fall behind on my Home Equity line of credit with Comerica Bank. After just a few short months I was offered a loan modification. After completing and submitting the modification package to the bank I never heard from anyone again until XXXX day I received a notice of default and a sale of my property. I would like a representative from the bank to contact me to discuss alternative options and to save my home that I have lived in since XXXX. XXXX XXXX XXXX XXXX and can not afford to lose my home and end up on the streets. Please help me to get in touch with the home retention department. I have tried to speak with someone since XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I contacted Direct Express XX/XX/2023 because the benefits I received where not on the card I had and was told that the benefits had been paved on a new card to a previous address of mines and had been used. After I was told a provisional credit would be issued within 10 days but was not giving this because I was told they dont necessarily have to award me the provisional when they had sent sent out a new card without my knowledge and to an old address wheee someone was able to gain access and use my funds. I have bill and responsibility that need to be taking car of so having to wait 45 days for something I am not liable for is totally unfair.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My son XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 He was receiving Social Security XXXX through a DirectExpress card through Coamerica. When I contacted Social Security to report his death, I was told I could receive the balance on his card to help pay for his burial. I contacted XXXX, and I needed to send a copy of his death certificate, the last 4 digits of his XXXX XXXX and the last 4 digits of his Social Security number. I also sent my own information as to being the person to whom the remainder of his card money could be sent. Because my son had an XXXX his death certificate took longer than usual. When I got it, I emailed the information to XXXX. They sent me a letter saying I needed to send them the certified death certificate copy and one other document such as Letter of Probate, etc. When I tried to call both XXXX and XXXX, to try to find out how much money was remaining, both places and numerous phone numbers at each all reported that they didnt even have any accounts in my sons card number or Social Security number.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My XXXX check was deposited into my direct express account from XXXX. I started noticing lot of unauthorized charges on my account from XXXX ( XXXX, XXXX XXXX, and several surnames all XXXX ), these charges where constant some of them where back to back within seconds of the other. So I contacted Direct Express about this an disputed all the charges and ask that they block them from charging my account again. Yet not only didn't they not block XXXX ( as they said they would ) but continued to let more an more unauthorized charges be taking from my account! For XXXX XXXX I made over a dozen different disputes, in which I had to do all kinds of crazy paperwork, and I had to pay for a new card from them everytime, yet out of {$4200.00} dollars total stolen from account from this merchant only XXXX, {$4.00} charges where every refund ( why only those I never understand ). I spent hours an hours on the phone with direct express customer service trying not only did they not fix it but I could get to get this fix, anyone to give me any answer that where even the same always something completely different from the call before. This completed devastated my daughter and I, being on XXXX is strict budget but having all this money stole out of my account made it were we could pay even our essential bills! I tried everything to get direct express to resolve the problem to no avail. I finally had to just stop having my check deposited with them because all until I stopped deposited my check in direct express in XXXX they still continued to let XXXX constantly make unauthorized charges to my account, but never refund my money back nor did even bother to block them nor did they even care! I never would have thought Social Security would choose a bank like that, much less have choose for XXXX American 's such as myself, like having our own bank take advantage of us, leaving us even more disadvantage.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Fraudulent charges were disputed. The bank denied the disputed transactions.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I checked my balance online and it was about {$50.00} less than I expected. When I finally got through to an agent ( more on that aspect later ), I was notified of a {$49.00} fraudulent charge to my account. The reason I immediately knew the charge was fraudulent is I have never used the card to pay a bill online. Before I could write down the entity from where the charge originated, the agent suggested that my card could be compromised and I should order a new one, which I did. She then said she was transferring my call to the dept. whereas I could dispute the charge. After being on hold for about XXXX min, the exact same woman came back on the line ( I recognized her voice ) pretending that she couldn't hear me and hung up the phone. Now this is what led me to believe the card company itself if involved in systematic fraud : once you order a new card, you can no longer access the network using the number from the old card. You can access your account using your SS number but you only get access to a menu that doesn't include any option that allows you to speak to anyone. So once the crooked agent hung the phone, she cut off all means for me to re-connect with her. Furthermore, I suspect these XXXX are systematically stealing benefits from old XXXX by erecting roadblocks to complaining about suspicious deductions. For example : when you call customer service, you're prompted to enter the last XXXX numbers of your card and your pin but once you do that, all you get is your balance. The only way to access the menu is to NOT follow the prompts ... but they never tell you that. Why? Something doesn't smell right and I think XXXX should look into XXXX
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A