Date Received: 2023-05-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX I receive a letter in the mail stating that my account was charged I had asked why my account was changed they stated that card starting with the number XXXX stating the account has been charged too another account I was release from XXXX XX/XX/2016 when I had out of on XX/XX/2016 XXXXdirect express had asked me for some documents to give the them so I will receive my money so I send them a copy of release papers from XXXX and a picture ID and a social security card and was able to unlock my card every since 2016 I been using my direct express card until they had changed my account right now I'm currently homeless I'm using my girlfriend address she the only one that helping me with this issue right now I can't not even used my direct express card and don't even any money too eat my name is XXXX XXXX XXXX XXXX called me at XXXX
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XXXX XXXX I filed a dispute over a {$120.00} transaction I didn't make. I was told at the time they would send me the necessary paperwork to file this dispute and if I returned it to them within 10 business days I would get a provisional credit for my use during the investigation. I also requested the statements for my account though I have their app downloaded for my use. USPS delivered them here on XX/XX/XXXX and I returned them via email on XX/XX/XXXX. On XX/XX/XXXX they attempted to deposit the money to a debit card that's not valid. My statement shows the credit and the debit they attempted. On XX/XX/XXXX they put the money back on my debit card shows as a reversal credit. On XX/XX/XXXX I think it was I attempted to pay my XXXX electric bill and my card declined as insufficient. At this time I called to check the transactions and found out that on XX/XX/XXXX they had taken the provisional credit back off m card .they called to find out what was the reason for taking the {$120.00} off the card without any warning or permission from me. Their fraud investigation person I spoke with told me they had made that deposit twice and were correcting their mistake and I had my water shut off and had borrow money to restore service at a {$50.00} reconnect fee 3 days later. On XX/XX/XXXX I received the statement I requested along with a letter from them stating the dispute was found in my favor and the provisional credit would remain as a permanent credit. To date I have still not received any portion of the {$120.00} reversal debit they did on XX/XX/XXXX. As result I am currently going hungry and so is my little dog. I'm XXXX XXXX and recently widowed. They should give me back my money it's I've robbed twice. I have pictures of all the things I've told you about. From the statements, the app I use. I sincerely thank you for any help. The SR number for my dispute with XXXX XXXX is XXXX. I don't know why my calls to XXXX XXXX say XXXX but my phone used to be locked to them. All I can figure out.
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My DirectExpress statements are showing multiple duplicate charges and the bank is refusing to acknowledge them even though it shows on all of the statements that there are multiple duplicate charges and the money leaving my account.
Company Response:
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I receive my social security money on the direct express debit card and they sent me a new card and I have tried to activate it but every time I call them to do it they cant verify who I am. Ive called them at least 10 times over 2 days. Ive done everything they say, I sent them copy of my photo Id front and back. I went to social security office. I have all my money on that card and they will not help me. They are very rude and keep giving me the run around. This is what I use to pay all my bills and buy my food and medicine with. I dont know what else to do..
Company Response:
State: WA
Zip: 98296
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I am disputing several purchases on my Direct Express card. I was locked out of my Direct Express App for several months. I finally got hold of Direct Express and had my App. unlocked. While looking at my purchases I noticed that there were several purchases that I didnt make and my money on my card went down to $ XXXX called Direct Express and explained to them that I had not made several purchase and was in extreme need of help. I gave them all my info including the purchases, dates, names of merchants, and amounts. One of the people said that I could file a claim online and he helped me with it. I let a few days go by because they said I should be looking for a deposit in a few days. I waited a week and nothing showed up in my account. I called today and they said the claim is closed and I was denied.my. My XXXX R # XXXX
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I tried to reach the bank today XX/XX/XXXX by phone, to open a disput on 2 transactions made with my debit card. Was impossible to speak with a representative, long time waiting. I need to dispute these 2 transactions for merchandize not received. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} It was 2 smartphones XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, it was a smartphone XXXX XXXX XXXX XXXX XXXX Both purchases must be delivered on or before XX/XX/, I tried to contact the merchant on XX/XX/XXXX by phone and contact webpage form. Nobody answered.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I receive retirement benefits that direct deposited on a direct express prepaid card. I tired to make a payment on my XXXX XXXX XXXX wireless account and was declined. In contacting direct express customer service I was told I wasn't approved to make these kind of purchases because I'm not on the " White List? ", I then request to be added to this unheard-of White List and am told that she will put in the request and I will be able to make purchases again after approved. I am denied this privilege and I contact them again and now am told to email a picture of my State ID card and to wait for 2 emails one confirming they received it and the other approving it. I receive the confirmation email after waiting 10 business hours and am told to wait 3 more hours and re-email it if I receive no response. I jump through all these hoops and now am unable to make any purchases or bill payments. I now have an extra charge for my phone bill and service is shut off also my power and lights service is suspended because I can not make a payment
Company Response:
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 1. Open account with comerica in XXXX. Called rep said had no record of account have to go to bank. 2. Open account at XXXX bank with teller XXXX. Checking and saving XXXX dollars was placed in each account 3. Recieve a debit card went to use it saying that cant access checking or saving. 4. Call rep on phone comerica saying that i have to go into bank 5. Went into the Comerica. Say that comerica had no knowledge of the account and can not prove my identity- provide license and w2 form and valid license - asked rep to close account. Provided a number 6. Talk to fraud rep. I asked to closed account and wanted money back. No longer need the account. He shared we just trying to protect you. He said i could get XXXX dollars return to me.that i would be c 7. The rep called. Said i could not get XXXX back. They could only pay 20. Ask me to come in the bank to get check or send by mail. I told rep by mail. 8 rep falsely wrote that comerica closed account be cause of fraud. Account was closed by me. Now all account are closing. I wanted it corrected immediatey.
Company Response:
State: MI
Zip: 49506
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: MY COMPLAINT IS WITH DIRECTEXPRESS/COMERICA BANK . I originally reported 4 unauthorized transactions from XXXX on XXXX. XXXX. XXXX for {$9.00} and 4 transactions from XXXX XXXX XXXX on XXXX for {$9.00}... fraud report ID XXXX I reported them and was told by the agent that he had several reports from different customers filed that same day about the same perpetrators. I was then told the transactions were pending and had to go through before DIRECTEXPRESS/COMERICA BANK would investigate. I was told they would be sending out a questionnaire. They sent me a questionnaire dated for XXXX with a due back date within 10 days of XXXX. I received the questionnaire on XXXX and the dollar amount was not what I reported. I reported a total XXXX {$79.00} and they sent me {$97.00}. I called DirectExpress immediately and was sent from one department to another to another and then put on hold for over XXXX hours before the call was disconnected. I called back but the office was closed. I called back today, XXXX, and asked for a supervisor. I repeated the issue to her and then said I would be contacting the FDIC at which point she told me that due to DirectExpress policy she had to discontinue the call and promptly hung up. I've had problems with them once before over a dispute and because of the due dates they issue I lost that money even though they knew I was not at fault for the transaction. They also falsified the amount of the transactions by over {$16.00}. I have looked into the way the FDIC and other banks handle issues like this and they are quite different from the way the Comerica bank fraud investigations team does it. I also looked up DirectExpress/Comerica investigation team and found out they have been sued repeatedly for this exact same issue since XXXX. These are Federal funds issued to people on XXXX, SSA and SSI that are being misappropriated. My money included!
Company Response:
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A