Date Received: 2023-12-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: My account at Comerica Bank was Fraugently Used without my Knowledge To deposit and withdraw amounts of money over a four to five Day span. I was never once notify by the bank of any transaction in or out of my account. I have never made withdrawals or deposits by My mobile app every since I had this account. The only way I found out about the money is the day that I was expecting of deposit from the loan company Which I found out was not a legit company. I want straight to the bank and told them to close the account. But they said they couldn't until the balance was pay in full. I asked them. How can this many transaction be made in and out of my account? And they do not notify me. I want straight to the police department and made a report. I was told by a XXXX who wife does investigation for banks that I should get in touch with someone because my e. Rights was valid.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Hi CFPB I would like to remain anonymous and you may republish this if I can remain 100 % anonymous in my complaint direct Express The Direct Express Debit XXXXasterCard is issued by Comerica Bank has stolen thousands of dollars from me maybe four or five they've been stealing from me from the past years now I also have them on tape with XXXX in XXXX saying they were giving me all my money back they lied about that they also told her to hire department of XXXX that they also took {$500.00} for me XXXX said they did no such thing there was never any purchases for {$500.00} nor did I ever use {$500.00} on the card they were talking about to make any purchases direct Express also told me about 2 years ago that someone stole money from me and something about a XXXX come to find out I contact the company XXXX they said that was not true they haven't had the card on file they never had it in their company website or what do you do billing to say someone is using this car for this then the other they have no record on the car they told me to call my financial institution which I did they told me they would give me money back which they put on the card then took it back like the supervisor saying less than five minutes she said we owe you that money I don't know why they took it back to this day over XXXX to XXXX dollars back so they've been stealing money I have numerous recordings proven that they have been stealing money for me even in their own words lying to me supervisors on tape and people also confirming that I never got a sent back I have plenty of recordings on these people all they do is still people money and leave them high and dry I looked on the XXXX website and see if anyone else is experienced this and other websites have popped up comera bank and direct Express is still in the consumer money please help I do have numerous recordings even the one from XXXX were supervisor even lie and said I was getting my money back even with the people on the phone department XXXX they literally told them they gave all this money back to me and direct Express their own okay we don't have it the multiple people saying no we gave money back a multiple people also confirmed they never took any money off my card I also have direct Express on tape lying about money lying when I will get money told me they were holding money never released it on take telling me all the system is just saying you have one amount but don't believe the system you have more I said I have to go with the system saying because why would the system say I have less if I have more that doesn't make any sense but to make this very very long horrible stressful situation short that's just a little of the breakdown someone please help me thank you so much and have a nice day
Company Response:
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/2023 I was deposited my XXXX check. At XXXXXXXX XXXX I recieved a notification my balance was below {$20.00}. I dont see message until I woke up at XXXX. I checked my on line account w Direct Express. There was a withdrawal of {$1000.00} from a XXXX XXXX in Texas and a {$570.00} withdrawal from a XXXX XXXX XXXXXXXX. I called the bank only to be told my address wasnt the one on file. Sent to fraud dept. I checked my account on the app and the address was to XXXX. She said a card was expedited to this address XX/XX/XXXX for {$13.00}. The lady on the phone did credit me for this charge. I dont go to XXXX and I never been to Texas XXXX She said they will have to send me a letter by mail to verify my information and to make sure its me. But someone was able to get my information and get a whole new card sent to a completely different address. That was my entire XXXX check. All my bills need to be paid. Direct have no security in place for their customers. I have already called XXXX and had my XXXX check sent to my other account. Direct express said it could be up to 45 to investigate this claim. Im devastated in this situation. I just cant believe this company and the way they dont protect our money. None of my credit cards have this lack of professionalism. Direct express could care less about me or my missing money. I was on the phone holding for XXXX Maybe 10 minutes of that I actually spoke with someone. Please help me and others from this company.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I get XXXX and I needed a replacement card. They sent 1 and tried to activate it and says, the numbers on care are invalid. I've called even at XXXX XXXX and they keep saying call back, heavy call volume. They have always answered but now nothing!
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I have had an issue with receiving my social security payments through US Direct Express and I need assistance with resolving the problem. Initially I elected to receive my social security payments through a Direct Express card. Things were fine for a year or so but in XXXX I received a new Direct Express card along with a new account number. I thought that was odd but I called the number on the card to activate it and didn't have any other issues for a few months. In XXXX I decided to set up the money transfer function in my account so that I could transfer money to my bank account like I did with the old account. I followed all of the instructions regarding what documentation they required and sent it to the company via the email address that they had on file. After about a week and several phone calls to the company, without warning, they suddenly locked me out of my account! I immediately contacted Social Security and changed the Social Security deposit from the Direct Express card to my bank account. They were holding {$6400.00} and I didn't want to take a chance of them having more! I didnt know it at the time but this action evidently closed my Direct Express card account. By this time, upon their request, I had sent Direct Express my birth certificate, a copy of my bank statement that included my home address which they have on file, along with the routing number, copy of my SS card and a copy of my government issued photo ID. They sent me an email stating that they were unable to verify my identity and to contact Social Security for further assistance. I went to my local Social Security office that day, XX/XX/XXXX. I saw XXXX XXXX who told me that he would file paperwork and that direct express should unlock my account by XXXX XXXX on XX/XX/XXXX and if they didnt it was on them. Direct Express did not unlock my account so I went back to the SS office and talked with XXXX XXXX who said that he was going to file paperwork to get our money refunded back to me. He said that he would talk to his boss and see if he could get it expedited and that he would contact me on Monday, XX/XX/XXXX. XXXX XXXX did not call on XX/XX/XXXX. I tried to call him at the end of the week but he never returned the call. On XX/XX/XXXX I called to talk to XXXX XXXX. He wasnt there. I spoke with a woman who said that there was nothing in the computer about this issue. She said that I should go to the SS office first thing in the morning. On XX/XX/XXXX I went to the Social Security office and spoke with XXXX XXXX who filed paperwork to request a return of the money from Direct Express. She said it would take at least a month to hear back from them. She said that I would need to contact Social Security every couple of weeks to see if the money was returned and then ask that it be deposited to my bank account. It has been over six weeks since the request for return of my funds was filed and Social Security still has not had a response from Direct Express or sent me my money back! I contacted the Mississippi Attorney Generals office on XX/XX/XXXX. They suggested that I contact you and Direct Express through their Advocacy email address. I sent them an email regarding this issue the same day. I received an email from the Direct Express Advocacy department the evening of XX/XX/XXXX requesting that I reply to the email so that they could assist with the escalation request. They did not ask for any additional information or offer any. I responded and have not heard anything back. This is typical of how they operate. They contact you once, but there is never any assistance for the issue, and they run a person in circles. They hung up on me several times and they were extremely rude while I was attempting to solve this problem. Direct Express has had my money tied up for two and a half months. From what I understand this is illegal.
Company Response:
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Yes, I GET XXXX BENEFITS EVERY MONTH, FOR 12 YEARS NOW! AND MY ACCOUNT IS NOT!! WHAT AMOUNT OF PAYMENT I RECIEVE!! WHERE? WHO? IS HACKING, OR FRAUDLENT MY BANK!!? I DONT EVER, EVER GIVE OR DO ON LINE SHOPPING, AND DO NOT EVER GIVE PERMISSION FOR IT TO BE DRAINED??!! DIRECT EXPRESS IS NOT A FAIR, HONEST BANK!! CAUSE THEY ARE TO PROTECT MY MONEY, TO STOP ANY TRANSACTIONS!!! SO ONE DAY?,!! TODAY IS THE XXXX OF XX/XX/2023 AND MY MONEY IS BEEN FRAUDLENT TAKEN!! I DONT HAVE FOOD, HOUSE HOLD STUFF THAT I SHOULD AND USELY HAVE EVERY MOTH!! WHY?? WHERE IS MY MONEY?? PLEASE I DONT GET ALOT FROM XXXX FOR WHAT I DID GO THROUGH AND WISH ITS NOT LIKE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ANY THING TO KNOW PLEASE CALL ME, XXXX CELL PHONE, INCOME IS {$910.00} MONTHLY. THANK YOU MUCH
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I filed a claim with Direct Express due to charges I did not do on my account. There were XXXX charges from XX/XX/23-XX/XX/23 for a total of {$510.00}. I closed my card and had them send me a new one. They sent me paperwork to fill out the claim which I did not receive for 9 days. I filled it out and mailed it back. While they were doing their investigation I was supposed to be reimbursed the {$510.00} but they did not. When I called them about it they said it was because I did not have my claim filed within 10 days, I told them that was impossible since I didnt receive their paperwork for 9 days. They mailed me a decision that they denied my claim. I called 3 times and emailed them on XX/XX/23 for a copy of their investigation. They finally sent it. On XX/XX/23 I filed a police report after doing some research that recommended I file one. On XX/XX/23 I emailed them the information regarding the police report I filed as well as a write up regarding bogus XXXX charges that was a scam going around hitting peoples credit cards. I have not heard anything back. Please let me know if you need anything else. Thank you for your time
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Several XXXX and XXXX charges appeared for at least 2 months on my card. I had my previous phone clonedand a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who very well could hack to do charges. I requested XXXX to stop charging my card however they refused. I reported the fraudulent charges to direct express. They gave me provisional credit then took it back. The money i get on this card is for my XXXX child. There's no reason to take it back as I would neve give permission for my card to be charged like that. In fact the card company should have seen it as suspicious activity and not allowed so many charges in a row. It's quite obvious no one would charge a card like that.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been a premium customer of Comerica Bank for XXXX years. On the morning of XX/XX/XXXX, I received an email from Comerica stating that an amount of {$2600.00} was transferred via XXXX to somebody that I did not know. I immediately contacted Comerica and notified them that this was a completely fraudulent transaction as I had no idea who this person was. I insisted that Comerica should immediately suspend the transaction and refund the amount that was fraudulently taken out of my account. Despite my repeated requests Comerica refused to do so. All they said was that they would have to conduct an investigation that would take 10 days are more and after that investigation they would let me know IF the money could be refunded to my account. They said they were not liable for XXXX fraud and implied that I may be at fault. This is extremely stressful and scary that a big bank would just let this happen with no concern for customer protection.
Company Response:
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We issued a check on XXXX XXXX in the amount of {$12000.00} drawn on Comerica Bank and issued City of XXXX XXXX for the summer 2023 real estate taxes. The check was altered and cashed remotely in XXXX. Upon notice from the City that our taxes were delinquent we immediately filed a report with Comerica concerning this fraud. We also filed a police report with the City of XXXX XXXX on this matter. They suspect that the check was stolen from the post office or at the City offices. They contacted their counterparts in the City of XXXX to advise them of the fraud. They also reached out to Comerica to a little more investigation on this matter, such as who cashed this fraudulent check and received no reply from Comerica. We have exhausted all avenues to get reimbursed from Comerica for this fraudulent check. We have had a banking relationship with Comerica for over 40 years and have never had this type of incident.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A