Date Received: 2022-06-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2022 there was a charge made fraudulently to my Direct Express card where I receive my monthly XXXX benefits in the amount of {$56.00}. I immediately disputed this charge and completed their customer statement of disputed transaction the card in question was closed and a new card mailed. A refund was issued XX/XX/2022. I received an email XX/XX/2022 advising me they were charging me back the {$56.00} putting me in a negative balance and was told their decision was final. I have never received any merchandise for this fraudulent charge. Now Direct Express has put a block on the card my child receives her monthly XXXX XXXX This outrageous and I need immediate help resolving this matter. Thank you.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a permanently XXXX American who receives social security benefits through COMERICA Bank DIRECT EXPRESS DEBIT CARD PROGRAM. They do not issue monthly statements. I contacted them this year because the IRS told me that I needed to file taxes for XXXX and XXXX if I was to receive a stimulus check. I asked DIRECT EXPRESS to provide me with a total of benefits received over the past two years. What I got was a list in the mail, of every transaction to my account in XXXX Month after month, page after page was charges as small as XXXX and as large as {$100.00}, totaling over {$2600.00}. None of the deductions were authorized by me. Had I not requested deposit information, I would have not known what happened. I don't know how to get those funds back. Customer service for DIRECT EXPRESS read a scripted message that states the time parameters for filing a complaint regarding a charge as being 45-60 days from the posted date of charge. Each charge disputed requires a separate depute form. One month alone has eight pages of incorrect charges, 28 charges per page! Secondly, what can I do to prevent this from happening again? I have never used my DIRECT EXPRESS account for recurrent billing. Is there a way to opt out of these " services '' with DIRECT EXPRESS? The charges are suspicious amounts as little a {$.00} charge to a foreign payee multiple times in a given day. I WOULD LOVE TO SEND YOU COPIES BUT I DON'T KNOW HOW TO UPLOAD THEM.
Company Response:
State: HI
Zip: 96819
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I've notified the bank and disputed the charges but they held me reliable for the transitions and took the funds from my account.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Can't login Can't check balance Can't withdraw money Can't spend it Can't get a hold of anyone Says card is invalid These problems since XX/XX/2022 2022
Company Response:
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX XXXX deposited funds into account. On XX/XX/XXXX when calling number listed on back of card. Automatic recording stated a card was mailed out on XX/XX/XXXX and would receive within 2 days. I never ordered a new card my old card has NOT expired. And I'm kicked out of my direct express account. It now states my SSN is invalid. Have Been using this card for 6 years now without issues until. Now I have called and called nothing has Bee resolved. Contacted. SSA by phone. Visited local office I was told there it's nothing they can do. Also after reading several reviews across the state. A lot of people are having these issues. SSA confirmed funds have been deposited Into my account. This is just ridiculous. Iam the payee for an XXXX individual.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My name is XXXX XXXX, and I have a XXXX account and a card linked to it ending in XXXX ; XXXX told me it belongs to me. It is under Comerica Bank, but I don't bank with y'all, and can y'all tell me if the card is in y'all system and if my name is in y'all system or who owns it?
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Tried to contact DirectExpress. on XXXX. Also last week. No available agents to answer. Waited on hold, then. Drops. Tried about six times to get through. Must get this taken care of. Twice when, buying gas. And recently on XXXX Was declined Three times. When I had a balance of XXXX. In my account. Also, A debit on my account of XXXX From XXXX XXXX I tried to contact this company also. I don't know what this is concerning. I'm a XXXX living on {$800.00} social Security. And the stress level is becoming unbearable. This is my final attempt to get some relief, after trying to contact both credit card, and the debtor. Thank you, for anything you can do.
Company Response:
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Hello I received a letter in the mail dated XX/XX/2022 stating that I had opened a new checking account with Comerica Bank. I did not open this account. I called them to alert them of the fraud. They stated that they had already flagged it and closed the account but suggested I also report it to you and the credit companies, which I have done. Thank you
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I used my US Direct Express Card at XXXX XXXX in XXXX XXXX where I live. On XX/XX/XXXX I checked my account for an expected deposit and noticed the account was empty and there were many charges that I did not make. I contacted them immediately and had the card cancelled and reissued. On XX/XX/XXXX I received two letters. The first one stated that I was being given a partial refund of {$730.00} for the completed investigation. The second said I was being issued a provisional credit of {$5300.00} for the not yet refunded amount until the investigation is complete. I did not receive the provisional credit so I contacted them on XX/XX/XXXX. I was told that it may have just not posted yet and to call in a week if it wasnt there. I called back a week later and was told that they took the provisional credit back because it was a large amount. They were still investigating and it would take 45 days. I called on XX/XX/XXXX and was told they were still investigating and needed more than 45 days, that it may need 90 days and to just keep waiting. I called again on XX/XX/XXXX and someone named XXXX opened an escalation and that it would take 3-7 days to be resolved. I called again eight days later on XX/XX/XXXX and was told that the escalation was open but that it may take another 1-3 weeks to complete the investigation. I own a business and was under the impression that they should have issued the provisional credit regardless of how much it amounts to if they take longer that 10 or 15 days. I still havent received it. The investigation should be pretty easy considering I was saving money in this account and not spending much, then all of a sudden someone went on a spending spree and emptied the account in a week all in a state I am 1000 miles from. Below is a list of the fraudulent charges. All of them are from the XXXX, MI area. I live in XXXX XXXX, NV and have not left town in years. Several of them are bill payments to debt collectors and car/phone/power payments. The card never left my possession. One of the charges is XXXX which is a purchase to get my personal information, Im sure. XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$65.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$100.00} ( Refunded ) XX/XX/XXXX XXXX {$34.00} ( Refunded ) XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$69.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$98.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$23.00} ( Refunded ) XX/XX/XXXX XXXX {$880.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX {$29.00} ( Refunded ) XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00}
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A bank account was opened with Comerica Bank on XX/XX/2022, I contacted them and they closed the account.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A