Date Received: 2015-07-22
Issue: Settlement process and costs
Subissue:
Consumer Complaint: My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2015-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Incorrect/missing disclosures or info
Subissue:
Consumer Complaint: Finances wired to bank account of XXXX XXXX XXXX Comerica Account. This occurred between XXXX XXXX XXXX XXXX, 2015. The finances stolen were wired by attorney XXXX XXXX a representative for XXXX XXXX XXXX XXXX XXXX, Texas. Funds may have been intercepted by an Attorney from XXXX or XXXX XXXX XXXX for a young adult XXXX " XXXX XXXX ". XXXX XXXX is possibly claiming custody over my welfare through fictitious a power of attorney generated by XXXX or XXXX XXXX. I believe these acts have been committed for XXXX XXXX XXXX. who is managing an Probate Estate/Trust for my family which I am beneficiary of. The bank has not personally contacted me regarding the disappearance of these finances and has also denied knowledge of this matter. I believe it was an inside job committed by a banker who knows my social and was monitoring my account activity. Could you please review this matter promptly because my life is now threatened by XXXX members and XXXX XXXX connected with XXXX XXXX associating me with drugs lords within their rank and file. Controlled Substances are secretly controlled here in the states by members of their Agency. XXXX XXXX and XXXX XXXX are both XXXX. Their agency is claiming I am affiliated with XXXX XXXX through the device the XXXX XXXX which resulted in their effort to settle the claim out of court. The finances were wired to me because my social environment is littered with XXXX XXXX XXXX now surrounding me via a XXXX XXXX XXXX. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-19
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2015-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-17
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I will mail you all this I am having problems with XXXX banks and thier debit cards due too the theft of my wallet wich i filed a police report and did every thing they asked of me, The XXXX banks are XXXX of XXXX, IN. XXXX. Wich I have already filed a complaint with the OCC. the XXXX. they rewferd me too you. the other banking issue is with COMERICA BANK. which finances the debit card by DIRECT EXPRESS debit card program. XXXX XXXX XXXX XXXX, TX. XXXX. This is the XXXX I am wishing you will help me with now and I am mailing some papers.pertaining to this dipute which they refuse to honer their phone is XXXX dispute # XXXX I have done every thing they have asked even sent copies of pertinent paperwork by certified mail. they have always given me the runaround. even going as far as giving me a fax number which they said they did not receive. I faxed it again, all at my exspence. then when I called them again another representative on the phone said they do not accept faxes and that fax # is not used often and is more than likely thrown away. All this I beleive was to wear me down make me give up. and also to burn up the time ( 90 ) days I had to make my complaint. how can they make legal decisions like that when their is a warrant for the person I named in police report and the with drawls from account was made all in a short period of time ( 2 ) days I believe. I called XXXX they said they do not handle this and I would have to call number on back of card ( runaround again, wasting my time again ). please try and help. I am mailing some of the papers I have sent them certified mail but will send you any thing i can, that you may need. thank you again. XXXX, XXXX IN. XXXX cell # XXXX
Company Response:
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-17
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. andnow I must start over with new faxes
Company Response:
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2015-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-16
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XX/XX/XXXX, I reported my father XXXX XXXX XXXX XXXX death ( XX/XX/XXXX ) to the Social Security Administration. My half-sister 's guardian & XXXX XXXX XXXX also reported my father 's death on several times. Since XXXX XXXX XXXX XXXX ( my estranged brother ) carries the same name as our father, he has a history of making attempts to use our father 's identity. He has also committed financial elder abuse while my parents were alive & since they have passed away, which is why I continue to file complaints in their honor. I contacted CFPB in XX/XX/XXXX to report the fraudulent use of our father 's XXXX, as well as the XXXX of my half-sister, XXXX XXXX. Sadly her mother passed in XX/XX/XXXX, therefore my father was receiving XXXX for himself & minor daughter. Prior to my father 's death ( XX/XX/XXXX ) he informed me XXXX XXXX stole his mailbox key to gain access to my mother 's ( XXXX XXXX ) XXXX check. Later it was discovered on XX/XX/XXXX that XXXX XXXX XXXX, did in fact steal our father 's cellphone ( which is how he gained access to his pin # s ) & wallet & immediately started making unauthorized charges/spending money while my late beloved father 's body sat in a morgue for almost a month! This was reported to the Office of the Comptroller, XXXX XXXX Comerica Bank, the SSA & a police report was filed ( # XXXX ). Meanwhile we contacted the SSA to request a hold be placed on my late father 's debit access card, stop future disbursements & to have her XXXX check be sent to her guardian, however this was around the time government offices were closed, so the SSA carelessly sent checks to my late father 's address & my estranged brother cashed them! His ex-girlfriend & ex-wife informed me about how he bragged about the money ( over $ 8k ) he found. He selfishly attempted to purchase a car, but was denied because of his credit. I am devastated & angry, because we called the the SSA national number several times, filed complaints online & also went to the SSA office located in XXXX, CA three times to provide my father 's death certificate. The CFPB never followed through with me. I was provided a case no. ( XXXX ) and was told that due to privacy laws information could not be released to me or my mother, WHO WAS STILL MARRIED TO MY FATHER! When I contacted Comerica Bank by phone & by visiting their branch located in XXXX XXXX, CA I was told they had nothing to do with placing a hold on debit cards and that I should contact the Social Security Administration, however when I contacted the SSA they told me there was nothing they could do. Now let 's fast forward XXXX months later, MY MOTHER DIED! I am devastated & still angry, as I have not been able to grieve! I have had to file numerous police reports against XXXX XXXX XXXX for a cellphone he obtained in our father 's name through XXXX racking up a bill of $ XXXX & for attempting to obtain credit in both our late parents name. He did not attend our late father 's memorial & once our mother passed, he just transferred her body to a mortuary, leaving us distraught to search for her body. Once her body was located, he did not come to sign paperwork to have her cremated, but had the nerve to petition to attempt to see if he could obtain the XXXX owed to our mother after our father died & her XXXX income. In honor of my parents I gave up my place & hired an attorney & fought with him in court for over a year & was recently granted " Executor '' of my late mother 's small estate, Therefore I have filed complaints once again with XXXX Bank ( they conducted an investigation & found in my favor ) and I am filing complaints against Comerica Bank & the Social Security Administration. Again I am doing this in honor of my late parents & half sister who is considered an orphan.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-11
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.
Company Response:
State: CA
Zip: 95354
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-26
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: Re : Direct Express ( DE ) SR Number:XXXXXXXXOn XXXX XXXX, 2015 while attempting a retail purchase, my card was declined. Assuming that it was a mistake, I asked the clerk to retry ; again declined. I felt that perhaps due to using my card a good bit in the last few days, there was a suspicious activity hold on my account despite not knowing if that feature even existed. To my amazement, I found out that I had {$0.00} on my card, after {$810.00} in fraudulent charges had occurred, during XXXX transactions at XXXX separate XXXX, as had been informed by DE CSR. I was stunned and livid as I had never been in either store, nor allowed my card or pin to be compromised whatsoever ; my card was in my possession all along. After my verbal report/notification of the matter immediately upon my awareness ( XXXX/XXXX/15 ), I assumed that a credit would be applied in a reasonably considerate manner ( within XXXX days. ) DE said I needed to complete a questionare outlying the very same information that I provided by phone call with the fraud department. Considering my entire livelihood was at stake, I felt that this was a redundant, antiquated, and backwards approach, that could extend the duration for receiving a credit. Modern tools like fax or email was n't an option. I scraped up postage fee, to mail a letter as a substitute for questionnaire in route to me by mail. Allowing a few days for my letter to be received, I followed up with phone calls. My letter reached DE on XXXX XXXX, 2015. Each time I spoke with ill informed, rude, objectionable, inconsiderate, and inhumane reps at both level XXXX and XXXX level helpdesks - CSR reps and supervisors. Supervisors were of course apologetic while simultaneously displaying rudeness and uncompassion for my case in particular. Also, all refused to escalate my calls to fraud investigators or senior management. Out of desperation and frustration I called several times a day on several days, hoping that I would reach some logical manager with discretionary authority. Each call I practically begged and pleaded that my claim be expedited as I have XXXX and XXXX that required immediate medication and treatment, as well as, a meager food supply. It seemed even if I was dying in front of their eyes, the only response I could get is, " I apologize XXXX XXXX, but we ca n't do anything at the moment. " Reps at this company act with callous indifference to the suffering of their account holders, most like myself have no other monetary means or resources. Again, as I have a XXXX, contending with this matter with the robots at this organization, literally drove me into XXXX and I needed to go to the ER for XXXX. I understand that my claim was XXXX of however many being investigated but not everyone 's pursuant circumstances are equal. Some might not have the same sense of urgency. An emergency room would not XXXX over a XXXX XXXX victim. This is an entrusted XXXX dollar business that operates like a corner store. Despite their lucrative government contract, they seemed positioned not to to risk XXXX cent, unfortunately at the detrlment of the consumers that are the basis of their business. Claimants should be treated on case by case basis. Within the XXXX and elsewhere, I have seen widespread complaints similar to mine, where already marginalized XXXX recipients, have faced the unjust, undignified, and absurdity of trying to recover money to cover urgent living expenses and medical needs. I am flabbergasted that the US gov't continues to contract with DE, given the critical allegations against them for horrific and ridiculous practices and policies. Through my interaction with DE, I am sickened and appalled that they are allowed to function as is.
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No