Date Received: 2023-06-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My direct Express card was declined 2 times When I called in CS was rude and hung up. Spoke to supervisor whom informed me a new card was sent out to and address in NY. I live in Florida and have. never been to NY. They were supposed to cancel that card. 1 week later I called in there were 5 transactions in XXXX NY. And XXXX, NY 2 transactions at XXXX {$350.00} {$390.00} There 3 Transactions at XXXX for {$500.00} tea. Plus they charged me Fees for 3 new cards at around XXXX Delivery plus XXXX card fee. They left me with a negative balance of XXXX. They can't verify me so they won't tell me anything. This started XX/XX/XXXX and have yet to resolve it. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: This has happened several times with this horrible company. The XXXX ; transaction alert, 4 charges. I immediately called DE, reported and canceled compromised card with new one to come. I then called the company and reported to them. They advised me they will return funds. XXXX ; call to offer ending company. They informed me DE took the funds back on XXXX, because I filed a dispute XXXX. This is incorrect. I was told to wait 5- 10bdays maybe funds will show, but assured me DE came in and took the money back. I then inquired if this is what DE did. They said no. On XXXX I got their decision. DE said the opposing company had sent them " proof '' that my argument is meritless, therefore no more action. I called to talk to dispute dept. I was told by several reps that there is no recourse. They don't have people who can talk to me. I can not see this '' letter of proof " against me, and there's nothing anybody can do. Decision final. Told me they don't go by bank laws because they are not a bank but a credit card company. Therefore they have the rules of that company. She would not let me see this false " proof '' someone cooked up or anything to do with myself
Company Response:
State: MN
Zip: 55423
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My SS XXXX is deposited in my government issued XXXX acct on the XXXX of each month. I went to the ATM on the XXXX of XXXX to withdraw my rent & discovered a charge of {$120.00} that I never made had made me short to pay my rent! I called US Direct Express to report the unauthorized charge & in the time it took to get them on the phone another charge of {$120.00} was also charged to my card. The bank told be the merchant who charged then was " XXXX XXXX XXXX XXXX '' at XXXX. I called the number and it was not a company & there is no such business listed anywhere on the internet! The bank told me I had to wait 3-4 days until the theft was complete & the thieves had been paid my money to file a dispute on the charges. This is so wrong! The bank is trusted with my government benefits & this is the only income I have since my XXXX diagnosis last summer & {$250.00} really truly hurts me & my family. It has made it so I am unable to pay my rent! XXXX & homeless because my benefits are being stolen & the bank is allowing it to happen. This banks consumer dispute process is non existent & doubt they approve any at all as they just claim they never received any paperwork back from the consumer & close the file. This needs to change! If a consumer notifies the bank of a blatant fraudulent charge/outright theft occurring & the bank processes the charges anyway then they should be held liable.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: my XXXX payments are made on my direct express XXXX. as, I was issued a new card ; around XX/XX/23. my XX/XX/23 payment was made on my old card. after, receiving my new card, my old card would not work. every time, I call direct express ( XXXX ).. I get a recording, telling me to " call back later ''. how can I get my XX/XX/23 payment?
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The company had no authority to go in my account on the name not matching transaction which I do so commonly and still in conversion money for me in light of Illinois law under 815 legislative has created this statute that has prohibited in my state bait and switch whether or not this dirty corrupt slimy as CFPB GIVES A CARE ABOUT AMERICANS OR NOT UNDER A WASHED UP XXXX PRESIDENT WITH A CRIMINAL HIDDEN INTEREST AMERICANS. Come on u XXXX XXXX XXXX ''! Im injured here please let me have the coat items I paid for..! N XXXX XXXX u tricked me XXXX XXXX XXXX XXXX TIME TIME AGAIN N BASICALLY NEVER SEND STUFF U SAY '' I DONT CHARGE BUT MY CARD ENDING HAS BEEN CHARGed cash over XXXX XXXX I WAS BATHING SWITCHED AND LURED BASED ON AN INTENT BY A WHAT I THOUGHT WAS A AUTHORIZED CARD MEMBER HOLDER UNDER FEDERAL STATUTES OF THE CFPB XXXX XXXX XXXX HAS PREVIOUS REPORTS AND TIPS SO THE FEDERAL RUN TO THE FEDERAL BUREAU OF INVESTIGATIONS FOR CREDIT CARD AND ONLINE FRAUD IN THE CONSUMER ACCEPTED THIS EXPERIENCE IN ILLINOIS IS UNDER ( 815 ILCS ) THE XXXX XXXX XXXX HAS BROKE THE LAW AND LISTED THE FOLLOWING ATTACHED ITEMS FOR SALE AND WHEN I PAY FOR THEY GAVE ME A RECEIPT AND I WAS CHARGED IMMEDIATELY AND MY ORDER WAS PROCESSED I WAS EVEN GIVING A FAKE RECEIPT SHIPPING AND SOME OTHER BULL XXXX AS NUMBERS AND INFORMATION THAT THEY NEVER INTENDED TO DO ONE THEY PAY XXXX XXXX TO THE XXXX ATTORNEY GENERAL 'S OFFICE AND THEY HAVE PAID MONEY TO THE THEY HAVE PAID BRIBE MONEY TO ALSO THE XXXX TO AVOID JUSTICE AND REFUSE TO ANSWER AND XXXX XXXX XXXX XXXX XXXX ON ALL OF PREVIOUS CONSUMER SECTION- ( XXXX XXXXSECTION VIOLATIONS WE'RE THROUGH A COMPUTER MECHANISM XXXX XXXX XXXX MADE FALSE AND MISLEADING IT AND AND AND AND BOGUS FRAUDULENT STATEMENTS MISREPRESENTING UNDER - ( SECTION 807 AND 806 ) ENGAGED IN FRAUD AND MISMANAGEMENT AND COMMUNICATION SCAMS WITH THE UNITED STATES GOVERNMENT WHO I AM REPORTING THEM TO XXXXXXXX XXXX XXXXXXXX HAS THEIR FRIDAY ME AS A SOCIAL SECURITY RECIPIENT WITH THE DIRECT EXPRESS CARD AND UNDER THE SOCIAL SECURITY ACT HAVE CONVERSION TIME IT CONSTITUTION FROM THE STATE OF ILLINOIS THE OBJECTIVE IN THIS COMPANY CONSTITUTES A PROFESSIONAL FRAUD AND BE MINDFUL OF THEIR OBLIGATION TO THIRD PARTIES AND CLIENTS WHERE I HAVE BEEN RELIED UPON THIS COLD AND BEEN ADVERSE BY THE CONSEQUENCES THAT THEY HAVE NEVER TAKEN REASONABLE NECESSARY PROTECTIVE ACTIONS TO TAKE CARE OF AS PROVIDED BY FEDERAL LAW WHEN DEALING WITH CREDIT CARDS AND CUSTOMERS IN CYBERSPACE AND ONLINE THE OBLIGATION EXTENUATES TO ILLINOIS EVEN IF THIS COMPANY IS OWNED BY BY MARSHALS OR SOME OTHER COMPANY THEY ALL JOINTLY ALIVE AND SEPARATELY BEAR THE COST FOR COMMITTING FRAUD AND I WANT TO PRESS FEDERAL CHARGES THIS IS THE COURSE OF ACTION INVOLVED BECAUSE I RECENTLY BELIEVE THAT XXXX XXXX XXXX HAS ENGAGED IN CRIMINAL AND FRAUDULENT ACTIVITY REGARDING THE WITHDRAWAL AND MATERNITY ADVERSITY AFFECTS OF MY BANK ACCOUNT WHICH IS FUNDAMENTALLY INJURE ME AND BASICALLY IT'S BEEN UNREASONABLE AND VERY DIFFICULT TO DEAL WITH THESE SLIME BALLS I HAVE PROOF BECAUSE I CALLED THE AUTOMATED CALL SYSTEM TODAY AROUND XXXXXXXX XXXX AND THE MONEY WAS MISSING IT WAS UNDER {$600.00} AND IF THEY DIDN'T TAKE THE MONEY OUT OF THE RENT IT WOULD HAVE BEEN AROUND {$250.00} TO {$260.00} ROUGHLY FRAUD HAS OCCURRED IN THIS XXXX XXXX DIRECT EXPRESS " -BANK WITH A XXXX '' IN ITS NAME, .JUST LET ANYBODY WITHOUT INFORMED CONSENT IMPROPERLY TO COME IN AND STEAL AND THEFT AND RIDE FROM MY BANK ACCOUNTS AGAINST MY KNOWLEDGE MY CONSENT AND VIOLATING THE OBLIGATIONS AND THEN THERE IS SUBSTANTIAL MISCONDUCTING QUESTION THE PANEL HERE IS TO FIND THE AGGRIEVED {$10.00} XXXX AND ISSUE A CHECK OF {$10000.00} TO XXXX XXXXXXXX FOR THE FIRST COUNT NO LESS THAN {$1000.00} AND THERE IS NO ACCURATE WAY OF GETTING AROUND THIS THE COLDEST CIVIL PROCEDURE DOES NOT EVEN ALLOW THIS BAIT AND SWITCH AND THEN CHARGE MY CREDIT CARD AND SAY NO I DIDN'T AND THEN DON'T SHIP AN ITEM THAT I PAY FOR A UPS JUST FLEW RIGHT PAST THE HOUSE TODAY AND DELIVER NOTHING THIS IS RETALIATION FOR THIS COMPANY BEING REPORTED PREVIOUSLY ON PREVIOUS FEDERAL REPORT SAYS TRANSCRIPTS AND COLLECTION OF RECORDS AND SOFTWARES AND ZIP FILES AND REPORTS BY SECRETARIES WHO WORK FOR THE ATTORNEY GENERAL AND THE CFPB TO PROVE THESE PROCEEDINGS HAVE COMMENCED THIS IS A NEW PROCEEDING AND NOT A DUPLICATE IT ALL I KNOW THE CFPB IS XXXX UNDER THIS PRESIDENT BUT Please contact customer service with any questions XXXX XXXX Update UNFORTUNATELY XXXX YOUR RECENT ORDER HAS BEEN CANCELED. You will not be charged for the canceled item ( XXXX ) in this order. Please contact Customer Service at XXXX or drop us an email with any questions or concerns. We regret any inconvenience this may cause. ORDER INFORMATION : Billing Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Order Date : XX/XX/XXXX Order # : XXXX Customer # : XXXX Shipping Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Shipping Method : XXXX XXXX XXXX Instructions : Notes : ITEMS CANCELED : PRICE QTY ITEM TOTAL XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE LAW UNDER 1681, 16 91 SECTIONS E K I J E AND ALL OF THE SECTIONS HAVE PROHIBITED IN VULCAN HARM AND AN AUTHORIZED CARD MEMBER COMING IN MY ACCOUNT WITH THE INTENT TO SEE ME THROUGH A COMPUTER DATABASE SYSTEM AND IT'S TRIFLING DIRECT EXPRESS JUST CONTINUOUSLY HAS ALLOWED THIS TO TAKE SHAPE I HAVE REPORTED THIS TO YOU GUYS AND YOU HAVE DONE NOTHING BUT THIS TIME I WANT YOU TO DO SOMETHING ABOUT THIS THIS IS A SERIOUS CHARGE AND NOT ONLY HAVE MY EMOTIONALLY DEVASTATED I AM HARD BECAUSE I NEED THAT COAT AND I WANT THAT COAT THEY LIED AND DECEIVED ME AND THE CFPB WHEN THEY SAID THAT I WAS NOT CHARGED BUT I WAS CHARGED THE MONEY IS MISSING FROM MY ACCOUNT I JUST CALLED MY BANK ACCOUNT I GOT XXXX OR XXXX THE OTHER DANCE AND ON THE THIRD WELL WHICH WAS TODAY THEY GAVE IT EARLY I DID ANOTHER ALMOST WHAT XXXX XXXX SOMETHING LIKE THAT I PAID {$95.00} TO MY STORAGE FEE I PURCHASED {$120.00} WORTH OF FOOD ABOUT {$120.00} WORTH OF FOOD THEY CHARGED ME ABOUT {$130.00} XXXX AND THAT LEFT ME WITH ABOUT XXXX IF THEY DIDN'T CHARGE ME I WOULD HAVE NEARLY {$250.00} ALMOST YOU KNOW {$300.00} ON TOP OF THE CHECK THAT CAME ON THE 3RD AND IT WOULD BE REFLECTING ACCURATE IT IS NOT MY BANK ACCOUNT IS NOT REFLECTING THEREFORE THERE IS NO SUCH THING AS A NEGATIVE BALANCE THEREFORE THAT LEAVES CONVERSION NEGLIGENCE AND THAT WORSE THEFT WHAT THIS COMPANY HAS DONE YET AGAIN IS ILLEGAL AND I WANT THEM CHARGED AND FIND AN INDICTED.COM AND UNDER THE DEBT COLLECTING STATUE THEY HAVE BROKEN THE LAW WHEN I RELY UPON THAT CONTRACT THAT I WOULD BE IN GOOD FAITH PURCHASING SOMETHING THAT I NEED A COAT A PAIR OF JEANS IN THE HOODIE I WAS DEFRAUDED ON MY CONFIDENCE AFTER THE GAME WAS OVER AND FOR THAT THERE'S NO TURNING BACK THE SAME GOES AGAINST THE DIRECT EXPRESS ON THIS COMPLAINT COMPLAINT HERE WITH THE COPD ON DEFENDANTS, MY XXXX XXXX, THEY WERE XXXX XXXX XXXX XXXX XXXX AND DIRECT EXPRESS XXXX XXXX UNLAWFUL SEARCH FOR OUT OF MY BANK ACCOUNT. 1. THIS ACTION IS BROUGHT PURSUING TO THE LAWS OF THE UNITED STATES CONSTITUTION, SPECIFICALLY, 42 U.S.C.SECTION 1983 AND 1985 IN THE LOSS UNDER THE STATE OF ILLINOIS, PENDING CLAIMS 815 ILCS, UNFAIR TRADE PRACTICES ACT VIOLATIONS, FAIR DEBT BILLING ACT VIOLATIONS BECAUSE THIS IS OVER {$50.00} AND DIRECT EXPRESS IN THIS COMPANY TOGETHER HAVE BROKE THE LAW REPEATEDLY JUST AS INSTACART JUST AS XXXX AND JUST AS ALL THE REST OF THESE GUYS, SCUMBAG CORPORATIONS THE DEPRIVATIONS IN THE CIVIL RIGHTS OF THIS BROTHER AND OMISSIONS OF THE DEFENDANTS, THE UNITED STATES OF AMERICA, XXXX XXXX, XXXX 'S, XXXX '' -TRADING POST, AND THEY'RE BAIT AND SWITCH TRICKERY, AND THE CEO WHO IS ALLOWED THIS TO HAPPEN, COMMITTED UNDER COLOR OF LAW. 2. I COMMAND A CLASS ACTION N A QUICK PROMPT REFUND. REFUND A REFUNDDD! card charges. Disputing credit card billing errors after the 60-day dispute period ends What if you agreed to delivery on a date in the future that turns out to be more than 60 days after your statement showing the charge was sent to you but the delivery didnt arrive or you rejected it because it was not what you agreed to buy? Can you still dispute the charge? Youre likely outside the protection of the Fair Credit Billing Act. Still, some credit card issuers may extend the 60-day dispute period when a shipment is delayed. Send a dispute letter to your credit card company. Include copies of any documents showing the expected and actual delivery dates, including any notice the seller sent you about the shipment delay. Disputing debit card Disputing credit card billing errors The Fair Credit Billing Act treats certain credit card charges that you dispute as billing errors. Billing errors include charges for items that you didn't accept or that weren't delivered as agreed, involved the wrong amount, were unauthorized, and certain others. Disputes about the quality of the item are not billing errors. The law spells out how to challenge billing errors. Disputing credit card billing card charges. Disputing credit card billing errors after the 60-day dispute period ends What if you agreed to delivery on a date in the future that turns out to be more than 60 days after your statement showing the charge was sent to you but the delivery didnt arrive or you rejected it because it was not what you agreed to buy? Can you still dispute the charge? Youre likely outside the protection of the Fair Credit Billing Act. Still, some credit card issuers may extend the 60-day dispute period when a shipment is delayed. Send a dispute letter to your credit card company. Include copies of any card charges. Disputing credit card billing errors after the 60-day dispute period ends What if you agreed to delivery on a date in the future that turns out to be more than 60 days after your statement showing the charge was sent to you but the delivery didnt arrive or you rejected it because it was not what you agreed to buy? Can you still dispute the charge? Youre likely outside the protection of the Fair Credit Billing Act. Still, some credit card issuers may extend the 60-day dispute period when a shipment is delayed. Send a dispute letter to your credit card company. Include copies of any documents showing the expected and actual delivery dates, including any notice the seller sent you about the shipment delay. Disputing debit card showing the expected and actual delivery dates, including any notice the seller sent you about the shipment delay. Disputing debit card Pardon expression of race bank robbing anger also misstating section z c.f.r. Full quick refund of a DISPUTED BILLING AMOUNT TAKEN.OUT ACCOUNT ENDING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 someone extracted in a ATM in XXXX FL {$100.00} and {$300.00} throug a fraudulent scheme. It was not me. I was in XXXX by that time. I called my bank ( ComericaBank, XXXX XXXX, TX ) on XX/XX/2023 and talked to Customet Service ( XXXX ) who transferred me to an " Specialist '' to file the formal complain. After a long time waiting, the specialist never answer the call and the call was cut off. Since then I have made many ( 5 or more, incluiding today ) very lenghty calls ( up to 1 hour or more ) to them ; but always, invariably, when a reach the point of reaching " the specialist '' the communication is cut off after few minutes : the Bank prevents me from filing a formal complain. What can I do?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was charged twice for the same purchase. I was charged for a Purchase on XX/XX/XXXX for {$110.00} which is accurate. I was then charged on XX/XX/XXXX for the same purchase. I contacted Direct Express and they deny the double charge even though it is showing as a deduction on my statement.
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Direct express charged me {$27.00} for fees but can't explain what fees, also {$180.00} was taken out of my account without my knowledge or permission. They claimed that they did an investigation and denied me my money, I asked for an appeal they said I can't. I also asked what steps did they take in the investigation they couldn't tell me all they did was compile the information I gave them stapled the paper together and called it an investigation. What happened to pulling video from that day at the ATM?
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: . I am a U.S. XXXX, married to a XXXX XXXX and resident in XXXX XXXX for the last 21 years. I receive my Social Security XXXX benefit which is paid into a Direct Express debit Card. My issue is as follows : My card, into which I receive my Social Security payments, expired on XX/XX/XXXX. Since then, I have been trying to obtain a new card without success. The postal service in XXXX XXXX is abysmal, so to date it has not arrived, 7 months later. Therefore, I urgently need the card to be expedited via courier to my residential address. I am XXXX, have XXXX XXXX and unable to easily make my way to a phone. in order to call the Direct Express offices, however I have been able on two occasions, on XX/XX/XXXX and on XX/XX/XXXX to make contact with Direct Express in order to try to obtain a new Direct Express card. However, they seem either unwilling or unable to finalise this. I have sent them copies of various documents to verify my ID and I did receive a case number, XXXX, although their reply states : Dear XXXX / XXXX XXXX XXXX XXXX XXXX We have received your ID submission and at this time we are unable to determine the validation of your account. Please step into the Social Security office for further assistance. Thank you for being a valued cardholder.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Direct Express ( Comerica Bank ) is causing me severe hardship. I have NOT been able access my social security benefits for 6 months because my prepaid card is unusable. I have been a cardholder for 8 years. Recently, the company requested ID verification AND I have submitted several documents that prove my identity. However, the issue is yet to be resolved. All documents that I submitted were certified by the XXXX XXXX, XXXX. Direct Express company representative ; XXXX XXXX XXXX XXXX XXXX ) was supposed to call me at XXXX EST today but she did not call until over an hour later. Unfortunately, I was unavailable to receive her call when she finally called. Subsequently, I sent her 3 emails but she has ignored them. I am unable to reach her by phone because her contact phone number ( XXXX ) is NOT functional. I and many senior citizens rely on our social security benefits for basic needs such as food and medication. Please can you assist me in resolving this matter?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A