Date Received: 2022-07-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: From XX/XX/22 to XX/XX/22 multiple unauthorized charges were made on direct express account. Company was contacted to dispute charges.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I receive my social security funds directly into my DirectExpress account. There have been numerous fraudulent charges throughout my time with DirectExpress. I tried resolving but when they send me the paperwork it never is timely. They have a rule you have 10 business days to file your complaint from the time DirectExpress sends it through USP service. They gave me fax numbers that do not work, e-mail address that doesn't work and no physical address, just a P. O. Box address. I really would like to speak with someone regarding the amount of money I have been denied. The individuals working at DirectExpress are rude, I've been yelled at stating that their fax machines are working and that it's my fault. I just put a complaint on XX/XX/2022, through 2-day mail delivery to their XXXX XXXX to in XXXX XXXX XXXX TX. I had {$230.00} in fraudulent charges from XXXX in my XX/XX/2022 statement. I do not own or have XXXX products. This has happened prior to this many times. Always XXXX charges. All fraud. Email me please. After the charges I have nothing to buy food. Please help me. Thank you for your time.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have direct express which my XXXX is deposited, The government says they deposited my stimulus but direct express never made those funds available. They have lost money by not transferring it to the next month statement. I have called them several times and have gotten no were they have hung up on me or made me wait on the phone for almost 2 hr only to hang up on me again. They are fraudulent-
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My father passed away in XXXX of XXXX. His XXXX funds where deposited to a Direct Express mastercard which apparently has no physical location. On XX/XX/XXXX I received my personal representative papers and filled out the paperwork to have the balance of XXXX on his Direct Express card disbursed to the estate. I received a letter on XXXX stating the funds were disbursed. When I had not received the funds by XXXX, I called Direct Express to check on the status and was told that the funds left the account on XXXX but she did not know where they had gone. I was transferred several times until I reached XXXX who said she could only speak to my father and who hung up on me when I asked to speak to a supervisor. On XXXX, I called again and spoke to XXXX in the fraud department who said the funds had been sent to my lawyer 's office and the check had been issued on either XXXX or XXXX. She told me to call back if the check still had not been received by the end of the month. I called back on XXXX to ask for the funds to be reissued and mailed to my address since the check had not been received by myself or the lawyer 's office. The person I spoke to told me the case was closed and if i called back I would get the same response and then she hung up on me. I emailed the probate emailing address and requested the check be reissued and gave the address. I also called and left a message on the probate number. I did not receive a response to my call or email. I called again on XXXX and spoke to XXXX and she said she would have someone from upper management call me back. No on called me back. On XXXX, I called again and informed Direct Express I would be filing a complaint.
Company Response:
State: MI
Zip: 48642
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: well XXXX XXXX store took XXXX from my account without my consent. i disputed it an my bank sided with XXXX, then my ex girlfriend gave men her key on the XXXX of one month an two men entered my home an robbed me a total of XXXX cash, I tried to tell bank that they took my debit card an it had like XXXX dollars on it an they just let them get away with that it had a pen number on my debit. They never sent the info so i could give to police either..an the time when I order an XXXX XXXX from XXXX for XXXX dollars an the mailed me a plastic bag in which I still HAVE IN MY CLOSET. I told my bank and the sided with XXXX on that ;, can you help me please. my bank don't back me ever..
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In my comcrica bank checking account, there were XXXX transfers from XXXX to XXXX, all of which were transferred to XXXX XXXX XXXX. The total amount was about XXXX yuan. I didn't transfer these money. My account number is XXXX, I want to get my money back.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2022 I discovered that my Direct Express Debit card was stolen. My XXXX XXXX XXXX were drained from this account fraudulently. I contacted Direct Express immediately and was given a claim number. I also contacted local authorities and filed a police report. Direct Express sent a new debit card but has not sent the dispute paperwork within the time frame promised. I have sent a letter, called multiple times and emailed Direct Express with all of the required information an d Direct Express has yet to refund my money. Direct Express is in violation of regulation E 12 CFR part 1005 by fa iling to refund the money stolen from my account despite following their Terms And Conditions for use of the access device issued to me by them. Direct Expresss customer service and fraud department has been impossible to reach leaving me at a loss not to mention destitute. As I stated in an sworn affidavit of facts to Direct Express, I, XXXX XXXX XXXX swear under penalty of perjury that the above statement is true and factual. I respectfully ask that the CFPB investigate this matter as well as why two other closed accounts that are associated with me still show up on the mobile app and on their website. There should only be one debit card open ending in XXXX.
Company Response:
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/2022 All my ID documents and my bank card were stolen by an abuser. I have a police report. Between XX/XX/2022 to XX/XX/2022 It took many calls and 22 hours on hold get Direct Express to answer the phone. I told them of the card and ID theft. They claimed they would cancel the stolen card and would send me a new card. A Direct Express Fraud Department agent 'verified ' me by sending a code to my email. The Agent said he would debit my account {$18.00} for the new card and it would arrive in 2 days. Direct Express had NO hesitation sending a new card to my mom 's address in another state using an email verification code. On XX/XX/2022 I called the Direct Express number to activate the new card- after over 5 hours on hold - my call was transferred to the Fraud Dept. Direct Express Fraud Dept REFUSED activate the new card. A Direct express agent ( and a " supervisor '' XXXX ) Demanded front and back copies of my driver license, birth certificate and social security card. XXXX -- ALL THE ID THAT THEY KNEW WAS STOLEN BEFORE THEY SENT A NEW CARD. They refused to accept a copy of the police report. They refused to verify me using any security questions. They refused to verify me using the same email verification code method they've been using for the 3 years I've had DirectExpress. MY STALKER/ABUSER/ID THIEF is the ONLY one who has access to the " verification '' documents Direct Express is demanding. He can, and has been, using them to keep draining my account- and Direct Express isn't stopping him. ONLY MY EMAIL IS SECURE FOR VERIFICATION. Direct Express has KNOWINGLY left a domestic abuse victim stranded, with no access to my own money, food or shelter, and KNOWING my phone wil be shut off any minute. I can not even call for help if my abuser finds me. Direct Express " supervisor '' XXXX told me : " Too bad. It's not my problem. If you don't like it have your money deposited somewhere else. '' When I informed her I absolutely intended to make that happen, Direct Express " supervisor '' XXXX said : " Go ahead but if you cancel Direct Express, we're keeping the money in your account and there's nothing you can do about it. '' I tried calling back two days later on XX/XX/2022. Direct Express had voided the card number they sent me and removed my social security number from their system. I now have no way to contact them and no way to get the money they've stolen from my account. Even after Direct Express has taken my money and locked me out of my account, they keep sending my personal and contact info to an abusive stalker. They have even given him my mom 's address and phone number - enabling him to Harass and Threaten an XXXX XXXX XXXX Lady. And I have no way to make them Stop endangering me or my mom. Comerica Bank has a phone number specifically for complaints against Direct Express XXXX ( press XXXX ). But that only either transfers you to an indefinite hold on Direct Express... or if you get a Comerica person, they take your name and number and tell you they can only pass it along to Direct Express. Good luck with that. I've called Comerica every day for 9 days ( so far ) and still no call back from Direct Express or Comerica. It's beyond unacceptable that unvetted, no security clearance, off shore call center employees, are being allowed to make decisions on my Life, my Safety, and deny me access to My own money, while allowing fraud to occur - and that " Direct Express '' isn't being held accountable for ANY of their abhorrent treatment of customers.
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hi there, thank you for spending the time to help me with me case. Very appreciated your help. I want to make a compliant about Comerica Bank HELOC loan process center is discriminating my XXXX and marital status by forcing me to add my husband 's name to the deed at closing signing of a property that he has no ownership to, and despise what the California law states. I applied for Comerica HELOC in middle of XX/XX/XXXX, and about weeks ago ( end of XXXX ) I received a phone call and demanded to add my husband to sign the Deed of Trust and the Right to Cancel documents. I explained to them that my husband ( we got married in XXXX XXXX ) has no interest and ownership to the property, so he is not entitled to sign any documents for this loan. I purchased the house in XXXX XXXX when I was single, unmarried, and with particle gifted money from my sister. I am the sole owner of this property. On XX/XX/XXXX, XXXX XXXX, emailed me said, since I am married now so my husband has Homestead Rights, so he has to sign. I consulted the attorney, and replied to her email : " Pursued with California Code of Civil Procedure Sections 704.930. The spouse can not declare a homestead on the separate property of the other spouse in which the declarant has no ownership interest. https : XXXX XXXX XXXX XXXX704.930. Also its stated on the article on Page XXXX under the " Rights of Spouses '' : XXXX XXXX XXXX " She replied says : " Unless you have a deed that says sole and separate your husband has homestead rights therefore Comerica requires signature. Your deed that was reviewed by our title specialist does not indicate sole and separate ''. They despise the CA Code of Civil Procedure I sent her in my last email about the Homestead Rights, I emailed her again : " An Unmarried woman '' falls under " Sole Ownership '' in California, and the only time sole and separate needs to be added is when I am Married and I am purchasing a property but want to make this property a separate property. I purchased the house ( XX/XX/XXXX ) before I got married ( XXXX XXXX ) and therefore it was recorded as an " Unmarried Woman ''. Please check the following guidelines from California XXXX County. XXXX XXXX XXXX sfvrsn=0 The California Land and Title Association also pointed it out that an " Unmarried Woman " falls under Sole Ownership on the following doct : XXXX XXXX XXXX Lastly, California CIVIL CODE SECTIONS 681, also stated the same. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " As today, XX/XX/XXXX, I received an email from XXXX, the Vice President-CA Banking Center Manager of Comerica, and XXXX XXXX XXXX the Loan fulfillment Analyst. XXXX told me, this is their final decision from the loan center, that either my husband sign the closing documents or they close my approved loan. I feel I have been highly discriminated because I am a female, and they believe I don't have the capability to handle my financial and wanted to forced me to add my husband to the title who has no ownership and interest to this property even after I provided them with the California law. I feel they are threatening me if my husband don't sign at closing they will cancel my approved HELOC. I said this is not right, and they said, I know you have sent me all the California code but we are a financial institute the loan center have a different way of running it. I am not sure, If I am the only one experienced this or they have been doing business like this for a long time despise what the law says and doing things their way. I feel I am not getting treated equally, and every one out there should be aware of this awful business practice.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: . YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX account # XXXX / XXXX COMERICA BANK. Also, XXXX account # XXXX / XXXX Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U S.C 1681 Section 604 A Section 2 : it also state consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A