Date Received: 2021-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).
Company Response:
State: IL
Zip: 60103
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/XXXX Dear Sir Mam : Went to my banking institution yesterday afternoon. Was told that after I had entered my bank and started my transaction at the counter that she said that I had to wear a certain type of attire. I was stunned as to there is no law or statutory law that has ever been in place that has any establishment bank or otherwise the right to tell us what to wear or how to dress. She continued harassing me even though I have been to my other locations numerous times and done my banking business in the usual manner. She refused to serve the customer even though I advised her that she is breaking the law. ( California Penal Code 538 ( d ) PC. Also the Non-discrimination Laws in the State of California Civil Code 51. ) There are more statutory laws in CA. Since I was harassed and threatened and refused service at a public place ; I left and said at the door that they are breaking the law and engaging in discrimination of a bank customer. I have also never seen a XXXX man or woman being told they can not enter because of their attire. I am seeking to have them fined according to civil rights violation, Federal Civil rights law ( Title 11, Section 2000 ) and want them notified/contacted and advised that these so called " mandates '', " requirements '' etc. etc. are NOT laws. Please render assistance as soon as possible. Thank you
Company Response:
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: My social security benefits deposit on my direct express card every month on the XXXX. This month ( XXXX ) my money deposited as usual, however, it says my card is locked and I can not access any of my funds. I have been on the phone everyday for HOURS trying to get someone on the phone at direct express since the XXXX and can not get anyone to pick up. There are times where I haven held for 3 hours with no response. I am a low income individual and I have bills overdue now because I can not access my money. I need help Now and cant seem to get any from anyone.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I did two money orders and the lady said it didn't go through so she told me to swipe again and it went through so on XX/XX/XXXX I got charged again for the same amount of the money orders and I've been trying to dispute these last two transactions from the XX/XX/XXXX and I keep getting hung up on or put on hold no one will answer why they took my money twice!!!
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My new direct express card came in the mail today, and the chip account number isnt matching up to whats on the card itself. I need my XXXX money to go on my direct express card witth the number XXXX XXXX XXXX XXXX on it, immediately.
Company Response:
State: ID
Zip: 83713
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank Account opened with Comerica Bank - Comerica - received checks and also a received a copy of a altered or fictitious check that was deposited in the account - didnt open account
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received communication dated XX/XX/2021 congratulating on opening a checking account with Comerica Bank. I also received copies of sample checks and deposit slips with an account number. Upon receiving this letter, I immediately contacted their office and said I never opened up any account with them. I was told someone would contact me within 24 to 48 hours. I did not get a return call. I called again and they transferred me to their fraud division and left a voice mail for XXXX XXXX XXXX XXXX x XXXX. I was told that the account was closed. Again, 2 days later still no return call. I called again, left another message. His voice mail just keeps saying hes in the office but said if he wasnt there and for immediate attention to call XXXX XXXX XXXX XXXX x XXXX. I contacted her and again received voice mail which stated for immediate assistance contact XXXX. On Saturday, XX/XX/2021, I received Your Comerica Access Checking Statement. I believe both of these individuals who do not return calls, are part of this scam. This has gone on for too long now. Im asking for your intervention.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I submitted disputes for the month of XXXX. They have on record. Then they sent required paperwork to wrong address 4 times. After I corrected. Locked.me out my account three times because the guilty party. Changed the account information. They have tied me up 100 hours in their automated nightmare in obvious attempts to get me to just give up all together so that they don't have to give me the money that is insured by the Federal deposit insurance corporation. This is my XXXX money given to me by the government and if not for the fact that I was XXXX no regular American consumer would ever have the time I've spent on these phone with these people trying to get my money
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2021 my US Direct Express card had {$20.00} with of purchases on my card from XXXX XXXX ( {$5.00} purchases back to back ). I did not make these purchases. Whoever put these charges on my account on XX/XX/2021 then resumed charging {$5.00} back to back to XXXX XXXX on XX/XX/2021. These charges occurred back to back a total of XXXX times and totaled XXXX and happened between the times of XXXX - XXXX. When I reached out to US Direct Express, I was told that I had to feel out a Questionnaire of Fraud form and submit it to their Fraud Services Department. On XX/XX/2021 I submitted copies of my card 's transaction history showing the problematic charges, as well as a police report and a report to XXXX XXXX. Because I was told to fax this information, I went to a local XXXX XXXX store and paid {$34.00} to fax 18 pages of information. Upon calling US Direct Express two days after I faxed the materials, I was told that they had not received my faxed information despite me having evidence that they did. I was then told to email the information I previously faxed to XXXX. Despite being on hold for over two hours prior to getting this updated requirement to email the requested materials, I complied with their request. On XX/XX/2021, I found that I had {$500.00} on my US Direct Card. I received no notification that this was added to my card. However, the bigger issue was that the total amount owed was not fully paid. Because US Direct Express previously put {$110.00} on my card in response to my hardship complaint, I anticipated that the {$110.00} would be subtracted from the {$910.00} owed to me. This, compounded by being over charged to replace my card ( they charged me {$13.00} twice to replace this card ), I expected to receive {$810.00}. Since I only received {$500.00} on my card, I am still owed {$310.00}. I submitted all the evidence required proving what was stolen and tolerated being on hold for over four hours after finding out that there was {$500.00} on my US Direct Express card. For this reason, I am formally filing a complaint requesting the money owed to me, as well as for the poor way this situation was handled.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On or about the XXXX of XXXX, my d debit card was stolen, and a {$60.00} purchase was made at a XXXX service station on XXXX. Probably a youngster because who else makes groceries at a service station. But anyway, a {$60.00} credit was added to my new card on the XXXX of XXXX, then it was taken off. Then on the XXXX. You'll see that they gave it back to me. Turned right back around on the XXXX and took it out. Things ran smoothly for a while then on the XXXX of XXXX. Oh my XXXX! {$300.00} in {$60.00} increments, came out of my account and began to be deposited on to all of the cards that I no longer use! Leaving me at a negative balance of {$53.00}. And my account had never been negative before! Sir or madam. I JUST WANT MY MONEY BACK INTO MY ACCOUNT! Thank you and have a blessed day.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A