Date Received: 2022-10-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Comerica bank, whom which I have had a business account with for 17 years allowed entities ( some known and some unknown ) to use my business tax ID XXXX under various ghost/shell companies and attached a book-keeping software to my account without my authorization. In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX XXXX ) was making deposits into a checking account with only the name of Life Span Counseling with a different account number. I was not a XXXX provider, and discovered that the money was going into another account through Comerica Bank using my tax ID. After I discovered the aggregated data book-keeping software linked to my account, it was suggested by a web-banking representative that I change my business account number. After doing so in XXXX, the Book keeping data was reattached to my account for a brief period of time. I have only one business legal entity name registered at Federal and State which is XXXX XXXX XXXX XXXX XXXX. Some of these ghost companies invaded my account with other dba ( XXXX ) i.e., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( See attachments of banking statement name change and an office manager changing my company name illegally for XXXX payments ). Although I received the second draw of XXXX loan in XX/XX/XXXX for {$2700.00}, my attempt to obtain the first draw of a XXXX loan was denied in XXXX XXXX with no reasonable explanation. It is my belief that one of the ghost companies obtained the first draw loan. I had discovered that the bank internally somehow changed my business address to other mailing addresses including an address that I have not lived at in over 17 years on XXXX XXXX XXXX Michigan XXXX. I have spoken with several bank managers, reported my concerns to Quality risk, fraud department, and filed police reports, with no resolution and lack of transparency I would like to know who obtained the first draw XXXX loan using my business tax ID XXXX and soc security number XXXX XXXX XXXX and why cant I get clear answers to all of the proof I have shown. I want to know all the dba ( XXXX ) used with my TIN and the amount of money deposited using those dba ( XXXX ) under via Electronic Funds Transfer with various health insurances. When, how, the amount, and who received of the first draw XXXX loan in XXXX. It also appears that there were at least on or other credit cards linked to another account that was not my account. Please see exhibits showing the variations of different DBAs
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An online checking account with Comerica Bank was opened with my information, but I did not open this account.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX a debit from a company named " XXXX XXXX XXXX '' charged my account twice in the amounts of {$120.00} and {$120.00}, then again on XXXX in the amount of {$150.00}. I called Direct Express ( Comerica Bank ) to advise that I did not authorize these charges, and it was probable that my XXXX son had somehow gotten my debit card number as I take a prescribed XXXX XXXX, and he had broken into my house before and stolen my money, ID 's and bank cards. An inquiry was opened and eventually my funds were returned and a new debit card was issued, which I received a few days. As I was checking my account on XXXX, I noticed there was a new charge from " XXXX XXXX XXXX '' listed on my new debit account in the amount of {$250.00}. I immediately called Direct Express and disputed the charge, again. Again, an investigation was initiated. I have followed up nearly every day since, and have been told a variety of different things I had to do, including faxing a letter, then faxing a completed form sent to me, then told no, those weren't correct. Each time I called I was told something different. I was told I would have my money in late XXXX, then early XXXX, then late XXXX, Then by early XXXX and then that the investigation process was not complete. I have spoken to a 3 different people, including a supervisor who gave different " escalation case numbers '' Most recently, this past week, I was told that the refund was made. After many questions, it was discovered that the refund was put on the old debit card number and that I was told to destroy when I received the new number. In addition, when I called to activate the new debit card number, I was told that the old debit number and the attached account would now be closed, and the new debit card was attached to a new account. They don't know which way is up over there. I have requested that they do a transfer of the fund to my current account. I have not as yet received those funds in my open, current account. I am asking for your help in resolving this matter. I am not attaching any documentation at this time as they already have everything.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my Comerica account was caponized in the amount of {$890.00}. The individuals who scam me removed my money from Comerica to XXXX XXXX then over to bit coin. there were 4 transactions in the amount of {$50.00}, {$290.00}, {$490.00} {$50.00} totaling {$890.00}. Comerica bank closed one account and opened a new one and asked me to make police report I did and submitted it to the bank. Comerica refunded me {$890.00} and then took the hold {$890.00} back. Which but me into a hardship
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I lost my direct deposit to my bank card while my taxes and stimulus check was processing so it can come to me though direct deposit this year for my check in the month of XXXX being transferred over to my bank the check never made it to my new card before the check was ready to sent I been change my debit card to a new same bank but different debit card number. and told them to send it to my new care I updated with the third party I did my taxes with and file with and get my money included my 4th stimulus check but it was stolen and misent to the old card which was stolen and lost wit another person that had it I called direct express and told them to investigate they didnt but issued me a new cared that the stimulus check is going go to but it never came on to my new card I updated wit XXXX XXXX thats the party I did my 2021 taxes wit the 4th stimulus of the amount of XXXX $ Stimulus check wit my taxes I need a refunded check sented do my current and living mailing address.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: First of all, None of your general descriptions meet my true issue. My Direct Express XXXX ( Comerica Bank ) was hacked for approx XXXX on XX/XX/XXXX and possibly XXXX, 2022. I have filed disputes that they send ticket numbers for but say forms were not received and now I am told that I will not get the provisional credit because paperwork not received ( I sent several times via fax XXXX ) and email provided on forms ... The dept of welfare and Medicaid sent money to my account by the time I knew it was there It was taken from Direct Express card by companies I have no knowledge of ... XXXX plus at 1 company and over XXXX at another plus residual money 's totaling approx amount mentioned, I didn't order or receive merchandise and my card is always in my possession. Please contact if more info is needed. Card company dispute dept is not helping at all. They say they are backed up but then how can you say paperwork wasn't submitted in timely fashion, my initial correspondence was via their dispute dept fax # please assist if possible here as I'm not sure how I can get my money back and no one says how they investigate as looking at my history they should get clues that I didn't hack my own acct. Please help or refer ... XXXX XXXXXXXX XXXX ( Dispute # XXXX ) card last XXXX : XXXX. Social last XXXX : XXXX
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: On XXXX XXXXXXXX XXXX XXXX charges were made to my account with US Direct Bank which I use to get social security payments. The amount was approximately {$530.00} as discovered by a customer service agent and myself. Also, XX/XX/2022, my card was used fraudently, again which was over {$1200.00}. I contacted customer service again, after being on hold for over an hour. The customer service agent gave me a list of charges and the dates. I was asked to submit a letter to US Direct Bank Fraud Dept. by XX/XX/2022 which I did, by fax to the number provided by the customer service agent. The letter included the dates given for the fraudulent charges and the amounts. I was given a case number. I contacted US Direct Bank the same day as I faxed the information to make sure the documents were received and they were. I was told by the customer service agent the process could take between 30-90 days for the investigation to be completed and I would be contacted by US Direct Bank by phone or mail. To this date I have not received either! Fast forward to XX/XX/2022, I was to receive my regular social security deposit. It was deposited and taken out which left me a negative {$450.00}!! I do not know what is going on. I've attempted to contact US Direct Bank again and no call rolls to a busy signal and hangs up!!!! I've been trying to call them since XX/XX/2022 and the hold times are ridicilous!! I finally got through on XX/XX/2022 and was hung up on by an agent. I am seeking the return of my money from XXXX, XXXX and XXXX. This has caused a lot of un-needed stress because US Direct Bank does not uphold their agreement. I've contacted social security agency and no one can do anything because US Direct Bank is a third party agency. I filed a complaint with the XXXX XXXX XXXX XX/XX/2022 and discovered a list of over 100 complaints by others using this company. Please help!
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Every month I use XXXX to buy things I may need. But every month I get through the whole purchase and realize that the card information is taken and the purchases have been going through then the company of XXXX closes the page and I can't get back to it to see if it was paid or not and I checked XXXX turns after never getting the things I bought and they have been going through for the girl across the street to rip off my card on some internet fraud scam they hooked my laptop up to.amd I have called 50 times to discuss it and the company won't talk to me so she has manipulated them as well.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I try to take money out of the ATM and it says please contact your finacial institution. When I call the XXXX it says " We are currently experiencing high call volumes, please call again later '' and hangs up on me! They promise " 24/7 '' customer support. I am a XXXXXXXX XXXX service conected XXXX veteran who can not pay his bills. I don't care if you tell me I have to be on hold for a hours just don't hang up on me!
Company Response:
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: More than one company was talking out of my debit Directexpress government card and they went and found that different companies were talking over XXXX dollars and Direct Express decided I didnt deserve to get my money back and they wouldnt let me appeal it
Company Response:
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A