Date Received: 2021-06-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I got one offer from Comerica Bank. Access Checking Account with {$200.00} offer. Application # XXXX. I was told to the nearest bank branch and open the account with that offer. I did the same and successfully opened the bank account. Everything was all okay. As per the offer, I was suppose to have a direct deposit of {$750.00} 3 times within the 90 days to get this {$200.00} offer. I have already fulfilled those conditions but today I got the email that my application is cancelled and now I need to start all over again?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Switching balances with other accounts bank app said updated 53 years ago All MasterCard
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I requested to close my checking account on XX/XX/XXXX when it had a {$5.00} balance. I was informed that I couldn't close my account until my balance was at {$0.00}. This is ridiculous, as then I was charged a {$13.00} maintenance fee on XX/XX/XXXX bringing my balance to - {$8.00}. Comerica bank was unwilling to close my account when I requested, and now is holding me liable to the fees charged since my account is not at a {$0.00} balance. I requested the closure of the account before the fees. The requirement that the only way to close an account with a non zero balance is to visit a branch is predatory and ridiculous. If it can be done in person there is no reason it can't be done online or over the phone.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). The bank closed my account on XX/XX/XXXX and disabled the online access. The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. Their main customer service line and local branch was not able to explain the charge. A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Not one complaint I have with direct express has been addressed. XXXX XXXX, Comerica XXXX, Senior Vice President, XXXX and all other employees of Comerica XXXX that respond to my complaints have dismissed every issue I have with the Direct Express Card. The Direct Express Employees do not answer or respond consistently to emails. The Direct Express Employees initiate email contact and that is it. I DO NOT HAVE A PHONE. I DO NOT HAVE ACCESS TO A PHONE. I DO NOT USE TELEPHONES!!!! This matter with all my complaints therefore can not be resolved over the phone. I have filed CFPB complaints XXXX XXXX XXXX XXXX none have been resolved even addressed. Now it is about three years later, and I only have a dispute number-XXXX. It took two to three years to get a dispute number. I have not received any reply to a request for status update. I have no idea if my profile information has been updated. The online banking is too limited to conduct any banking needs. There is a phone requirement that is prohibitive to receiving services. The customer service is abysmal, slow, and ineffective to conduct time sensitive business. You can XXXX direct express and with the complaints to other federal, and state monitoring and regulatory agencies it is apparent that the Direct Express Card is not serving the population contracted to service in any beneficial manner to that population. Contrary to any positive press the experience of the card holder is daunting. You can see in the reports about Direct Express that the phone line is not answered as you are told to keep calling until you get thru. I do not have a phone. There is no accounting by Direct Express or Comerica bank for those who do not have the privilege or ability to use a phone. That discriminates the users even further since having a phone is not proof positive that you will receive timely, continuous, and courteous service. There is a definitive lack of professionalism in handling of complaints.
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My mother died on XX/XX/XXXX. She had a Living Trust account at Comerica Bank, originally set up at the XXXX XXXX, XXXX, MI branch. After extensive and repeated efforts to try and close the account, and get the several XXXX dollars back, I finally was successful, almost 2 years later, on XX/XX/XXXX. On this date, I received a check for the total amount in the account with a letter stating the following, " Dear Mrs. XXXX, Enclosed please find the check for closing the reference account ending in XXXX. Per the instructions of our legal department, the cashier check is payable to XXXX XXXX XXXX Living Trust. Sincerely, XXXX XXXX. Much to my shock and dismay, on XX/XX/XXXX, I received a letter from the Comerica Bank stating that my mother 's account was overdrawn and must be immediately returned to a positive balance. I was charged {$48.00} with a date of XX/XX/XXXX ( more than a month after I received the check and the letter letting me know that the account was closed ). I made several attempts to contact Comerica Bank, with no success. My objective in filing this complaint is to make sure that the record is clear that the account is closed and that no fee is charged and in no way should this reflect on my credit as I am trustee of my mother 's estate. Furthermore, Comerica should work on its process and consumer engagement, as this was a very unsatisfactory experience.
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: COMERICA BANK TOOK MY XXXX LOAN CHECK THEN CLOSED THE BANK ACCOUNT AND TOLD ME I WAS NOT APPROVED WITHOUT NOTICE. UPON DEPOSITING THE CHECK, I WAS ALREADY PRE APPROVED AND SUBMISSION WAS COMPLETED.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: ATTENTION : Consumer Financial Protection Bureau XX/XX/2021 Re : Direct Express Claim # XXXX This email and the attached documents are in regards to the above mentioned claim, As you will no doubt see the Fraud Services Dept. Fraud Investigations Team in charge of stolen cards has acted abysmally. To simplify from here on I will refer to them as the fraud dept. The fraud dept. in an email sent to me on the XXXX of XX/XX/2021 stated that the info contained in the email was what the fraud dept. relied on in making their determination said determination being to deny the return of my stolen money. I have attempted in several ways to contact the fraud dept. some of which are evident in the paperwork Im attaching. Faxing and email are out of the question as you will see if you attempt to fax or email the fraud dept. even though the fraud dept. requested a police report from XXXX the DAs office handles such crimes, so thats where I filed the report as per case # XXXX. I am attaching all the information I have and sending it to you in hopes that you will intervene or at least be aware of this companies terrible way of dealing with my situation which has now become dire in respect to my financial status. The fraud dept. says there was a conflict between my info and theirs however as of today I still dont know what the fraud dept. is saying was a conflict as I have never received any paperwork explaining what said conflict is unless fraud dept. is referring to the aforementioned email which I am attaching as received ( page XXXX is as received ) .. I am hopeful that you will be able to reach the fraud dept. and resolve this before I am financially ruined. My explanation of what occurred on XX/XX/2021 is attached first in the attachments. Thank you.
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I use DIRECT EXPRESS debit Master Card to receive my SSA benefits. On XX/XX/XXXX I noticed a charge for {$120.00} was posted on my card acct. that I did not make. The amt. was posted on XXXX XXXX. On the XXXX, the card co. was notified, I cancelled the card in question and a new card was issued. I followed the fraud complaint protocol and info was faxed back to DE. My contention is I was issued a provisional credit for {$120.00}. on XX/XX/XXXX. ON XX/XX/XXXX it was reversed prior to any decision being made. I need my money.
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
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 I was in La XXXX, CA, and i was shopping and i had dropped my debit card from Direct Express. It had dropped my card either outside of vehicle or in the store because when I was looking for it in my seats of my car I found it and put it in my back pocket. I noticed it was gone out of pocket when I went into atore to purchase something.. I proceeded to pay with cash. This was about XXXX XXXX when the card was missing. I then called Direct Express to get a new card and stop anyone from using it. I then found out that someone used my card at XXXX XXXX on the XXXX of XXXX at a XXXX XXXX and XXXX fraudualetly spending XXXX at XXXX XXXX and XXXX at TXXXX. I filed a dispute with Direct Express to gedt my money back and made a police report and they still denied my claim so I am out of XXXX and XXXX dollars. Thy said that I can not appeal this or have this looked over,. I feel they never looked t it n the first place because its evident that is was fraud. I do have a police report and Im waiting on copy of that
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A