Date Received: 2021-03-18
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I believe Comerica bank the underwriter of DIRECT EXPRESS for XXXX is discriminating based upon XXXX. Id like to speak to someone in person. Theyre not giving a routing number to EVERYONE only in certain states and then it is a group. Thus defining the XXXX. Also using 2 numbers to dedicate at the start of each cards number who is getting funds and who is not. I can not file my taxes or recieve my stimulus because of them. THE SHEER FACT THAT I HAVE TO DO ALL THIS TO GET A ROUTING NUMBER IS PROOF IT IS XXXX DISCRIMINATION. HOW WOULD SOMEONE WHO IS HOMELESS BE ABLE TO EVEN MAKE A COMPLAINT.
Company Response:
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. Total Time one and a half hours. Approximately XXXX XXXX my account was closed. no card was ordered for me. XXXX XXXX XXXX XXXX I filed a police report. XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. XXXX XXXX contacted bank gave me new fax number. XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. XXXX XXXX received fraud claim in mail. XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: I found direct express page on tablet on XXXX upted from XXXX about will my check come normal regust direct deposit from a check be charged stop card shows card to open log into account card mine but I never askedpaper check sent direct express I stimulus payment declined not ready not approved I receive XXXX so I think someone stopped card switch a check shows calendar call first week then XXXX and I'm not getting 2 stimulus I don't know what to do so trying this
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My card was used without my permission on XX/XX/2021 for several charges at XXXX, XXXX XXXX, and XXXX XXXX for a total of {$3900.00}. After speaking with Direct express about the transactions the customer service rep started the claim. She did not go over the charges with me she said that she would send me a form to fill out. I completed the form and included the charges that I did not authorize. Because the rep did not go over the charges with me and 2 charges were included in her claim from XXXX XXXX they denied my claim. I call back and spoke with another rep who said that he would send the email to the supervisor who would be able to reopen and they declined. Even though the rep said he can see that i never used my card the way it was used on the XXXX of XXXX and i have been with them a long time they refused to give my my money back. It is had to talk to this company and they take advantage of people.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XX/XX/31, I called Direct Express ( COMERICA BANK ), spoke with two men, and the same day and following day I could no longer get access to my money. Everytime I've called the same number since then, XXXX XXXX XXXX XXXX the customer service person has told me lies, arrogantly refusing to answer questions regarding what happened, and giving me different mandates, such as going into a " local office, '' as the " only way, '' I can use my card. I told them often that they were keeping my money hostage, and they were consistly indifferent.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XXXX XXXX, I was charged twice with a vitamin company in the amount of {$410.00}. I receive SSDI benefits through a company called Direct express where benefits are available to me monthly. On the month stated I filed a Fraud investigation because the vitamin company charged me for vitamins on a free trial basis and unfortunately I missed the deadline to cancel that trail. I contacted the company to let them know that I was no longer interested and right after contacting the company, they sent another package to me. I immediately returned that package but was charged twice through my Direct Express card. I immediately contacted Direct Express with no luck talking to someone, finally I was able to talk to someone a day or two later and I was told that because It was filed as a Fraud transaction that I was given the money until it was investigated. On XXXX XXXX, I received a letter saying the {$410.00} was reversed because not enough information was found. I talked with numerous customer service agents and nothing has been done to return the money I am owed. The vitamin company has received two payments from me and I have returned the second package and Direct Express still will not return my money
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021, morning of I checked my account online my phone app. Shocked as there were 206 transactions unauthorized by XXXX TEST, INTERNET, CA, USA ). AND ( XXXX * Test, XXXX, CA, USA. ) XXXX #, CA, USA. AS WELL AS ( XXXX Test, XXXX XXXX, CA, USA These charges were unauthorized and had taken {$240.00} out of my Account in which was part of the second stimulus $ received. They took every bit of my money i had to live on until the XXXX of XX/XX/2021. These Unauthorized Transactions Date on XX/XX/2021. they started and commenced at XXXX ended XXXX.. XXXX transactions in the amount of {$1.00} Each = {$160.00}. - XXXX transactions in the amount of {$1.00} Each = {$77.00} Total Loss {$240.00}. I did report and called Direct Express as soon as i seen my account money gone. He canceled my Debit Card. Issued a new card by mail in which i did not Receive until 11 days later. He took my information then read it back to me. I corrected him as he stated 120 unauthorized charges. I repeated to him that was not the right calculations. Informed him of the correct amount twice. I received the Paperwork 7 seven days later. He still had the amount incorrect. As soon as I received the papers I Crossed out the Wrong Amount and put the Correct amount beside it. And explained this was not the correct amount. I sent the papers back the same day. On XX/XX/2021 i noticed a credit Adjustment to my Account in the Amount 4 XXXX. I then called Direct Express to inform them this was not the correct calculations and still due me the remainder of {$120.00} back to my Account. I have called Repeatedly waited on hold for hours, then when someone answered. I explain it over again, One of the Representatives even went as far to tell me of the college degrees she has, also she would not be working there if she did'nt have the knowledge. I took that as a major Assault on my Dignity. The last time I spoke with with Direct Express I still have not Received. Since they have Closed my Dispute. I am So very confused of there mentality, And disregards of this matter. I Have not Received any letters of the conclusion and Investigation Process. I Fully Believe there investigation was not fully done correctly. They would have seen there error s. all starting from the beginning of this investigation. Did they not read my unauthorized Transactions paper work I corrected, Filled out with a total explaination. I Truly Pray this will finally have a Positive input, As they need to Correct all the mistakes they have made. And Award me the Credit Back as Due, And taken from me. All the Stress, of it all. Not Right. I AM ASKING YOU TO DO YOUR JOB RIGHT, I PRAY THIS HAPPENS, I HATE TO THINK OF THIS HAPPENING TO SOME OTHER VICTIM. I AM SURE I AM NOT THE ONLY ONE THAT HAS HAD TO FIGHT FOR WHAT IS RIGHTFULLY THERES.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: i can't get through to close my account. every time i called it say there is a high volume of calls. i've had a different account since XX/XX/2020. the information with the veterans administration is current. i haven't used the direct express account at all. except because my last covid relief payment was sent there instead of my current bank account. since then i have been calling trying to close that account. every time i've called there's the same message. also, when i've tried to transfer the funds to my current account i'm charged a fee to transfer it. it's never transferred. then i'm charged another fee when the funds and credited back to the account. i've had several other previous issues with this company. that, along with the fact that there is no checking, or credit reports issued, is why i changed banks.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A