Date Received: 2021-09-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking account was opened at Comerica Bank in my former name of XXXX XXXX using my SSN and date of birth. I never opened an account at this financial institution. A fraudulent check was deposited into this account and the check did not clear. The account was flagged as fraudulent by Comerica Bank and closed. I was notified of the activity through USPS mail. I reported this to the Fraud Department at Comerica Bank and opened a police report with the local authority. Report is XXXX. Regards, XXXX XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX PA XXXX
Company Response:
State: PA
Zip: 18062
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/21 customer support told me they would send me a bank statement for XX/XX/21 transactions. Today I called customer support to verify info sent was sent. Because of pending investigation from a detective from the XXXX that needed specific detailed info of the transactions he told me he would have to resend info due to info sent did not include specific info. Because IC3 is involved with this pending XX/XX/XXXXcase. I informed FBI today of such conduct. They have said since CFPB refused to do the case thru customer support to file a dispute with them. Direct Express is the subject of matter.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I opened an account with Direct Express Bank ( located in XXXX XXXX ) by depositing two checks in a total amount of approximately {$2.00}, XXXX. I called the bank 's customer service number ( XXXX ) XXXX and spoke with XXXX, a customer service representative. XXXX stated that my balance is {$0.00} and that my account would not be credited until XXXX. I don't understand why I can't access my money.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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 two fraudulent transactions were made using my identity & EBT card information. XXXX.XXXX, XXXX XXXX, CA received {$500.00} & {$340.00} for a total of {$840.00}. I sent one certified letter to Direct Express but apparently the door was locked so mail carrier couldn't get signature so that letter is still at the USPS in XXXX, TX waiting for them to pick it up. I sent another stamped letter to them as well and then another stamped letter. Direct Express rep says they never received any letters when I talked to them on XX/XX/XXXX so my claim was never started until on this phone call with rep. He said it will be 45 to 90 days to finish this investigation. THE DIRECT EXPRESS REFERENCE NUMBER FOR MY CLAIM IS XXXX. I am on XXXX and live from month to month. My rent & utilities are past due. I can't pay copays for prescription drugs or specialist doctor appointments. I have no groceries. I gave Direct Express all of the above information. They should have contacted XXXX to stop shipment and deny payment. I had also emailed XXXX.XXXX but only got a confirmation email. They never emailed me again to resolve this criminal act. MY TICKET NUMBER FOR XXXX.XXXX IS XXXX. THEIR EMAIL IS XXXX They have no phone number listed on website. Direct Express terms of use states they reserve right to delay processing of suspicious card transactions. Somebody was asleep at their computer when these two fraudulent transactions were processed at XXXXam & XXXXam on XX/XX/XXXX. It appears that Direct Express lied about not receiving my 3 mailed letters. I also cancelled my card on XX/XX/XXXX and have since received the new card. I can not wait 45 to 90 days for them to resolve this matter. Direct Express stalled me from XX/XX/XXXX until XX/XX/XXXX and then said my claim wasn't started until XX/XX/XXXX and will now take 45 to 90 days to investigate.
Company Response:
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was XXXX and XXXX for XXXX 1/2months. From XX/XX/XXXX to XXXX XXXX XXXX. While I was XXXX Direct Express activated a new card with a fraudulent person and allowed them to empty my account that entire time. Transaction after transaction after transaction. I was not made aware of any of this into XX/XX/XXXX when i called to have a replacement card issued. It was then that i was told my account had been accessed the entire time i was away and I also had to go through XXXX to prove that i was the actual account holder and that I needed the other card closed and i disputed everything from XXXX XXXX to now. I have a policy that protects me from fraud and i reported it immediately and followed all instructions. I feel like Direct Express frauded me then and now by claiming no error was made. This is about XXXX. Dollars and all the money i had to my name. Im XXXX i have XXXX XXXX I'm very XXXX. More im XXXX now. I have no money to rent a place nor to pay utilities. No transportation. Nothing. Direct express helped a criminal fraud me for five months and then snubbed their nose to me when I'm the account holder the victim. They ruined me.
Company Response:
State: NM
Zip: 88005
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I am filing this complaint against Direct Express. I called 2.5 weeks ago for all the information involving a investigation fraud use, unauthorized use of my debit card. I still have not received that information. I waited on the phone for 1 hour today finally i hung up had other things to complete today. I have waited and waisted important time for hours at a time. This is uncalled for. I called today to find out where all the documents requested 2.5 weeks ago were and if they had even sent them, like i stated i got tired of waiting. had important things in my life then to spend on the phone for nothing. They are irresponsible, can not believe they are in charge of everyones ssi and ssa moneys. Poor management.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A $ XXXX payment to XXXX XXXX was performed without my knowledge or consent from my Comerica Bank checking account. I do not have an account with XXXX. I filed the appropriate fraud claim with my bank on XX/XX/2021. On XX/XX/XXXX, another fraudulent $ XXXX transaction to was performed, but this time from my saving account. I filed another fraud claim with my bank the same day. I should note that no one, but Comerica Bank knows my savings account number. I have never given out this information as I've never had any reason to. I believe both XXXX Financial and Comerica Bank need to do more to prevent such large fraudulent transactions from occurring. I hope that by reporting this I'm able to prevent others from sharing in my unfortunate experience.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX, 2021, we received a letter from Comerica Bank addressed to my wife 's maiden name " XXXX XXXX '' at our current address of XXXX XXXX XXXX, XXXX Pa, XXXX congratulating her for opening a new checking account. We also received 5 blank checks and 2 deposit slips to use. Shortly thereafter we starting received letters of insufficient funds and copies of checks that were written to XXXX XXXX from someone by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$800.00} dollars. We immediately called the Comerica Bank on or about the XXXX of XXXX to let them know we did not open an account with them and we felt this reeked of identity theft. We received a letter today ( XXXX XXXX ) from Comerica Bank dated XXXX XXXX, 2021, that noted as per conversation with them on XXXX XXXX they confirmed that they closed this account on XXXX XXXX, 2021.
Company Response:
State: PA
Zip: 15216
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Yes on XX/XX/XXXX my card was locked out I can not get into my card I can not do anything it is now going on on the XXXX XXXX XXXX I have been out in the heat I've been in my van I haven't had a bath I haven't done nothing because I'm 350 miles from home while I'm walked on my card and the bank does not want to unlock it because oh they didn't update my information when I called it in in XXXX so they're saying it's my problem they didn't update anything my email my phone number nothing so and oh guess what my ID 's expired because of covid and I've got an appointment to get into get my ID but it's at the end of XXXX so they can't use my ID because oh they said it's because it's expired the other Banks use it but not this one so I don't know what to do I don't know what to say all I know is this bank is stealing people 's money
Company Response:
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A