Date Received: 2021-02-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Direct Express has closed my on line account and they still have my {$220.00}. I have been dealing with them for over 2 years trying to get my money sent to me.This is XXXX pour how a company takes care of a US veteran. I've been on hold for over 2 hours many times and just gave up. If they had an office I would come down and kick someones " XXXX ''. There putting me in a position to get myself in trouble and that should be a crime.This is a XXXX poor government agency linked to the IRS, but everyone just says call there number and deal with them. That would be great if you could get a hold of someone. Spending 2 plus hours on the phone and never getting someone is XXXX. I have complained to the XXXX, the veterans department, FTC and the IRS with no luck. Everyone gives you there number, I got there number. This is my advice to anyone using Direct Express, get a regular bank account so you can be able to contact a person when there is a problem cause Direct express will have you on hold and you will just never get your money.Direct Express has many similar complaints, I want to see this company go out of business, so the sorry workers will be out of work and see how they like not getting money. This is another government agency that is totally flawed. There is some " XXXX XXXX '' donuts eating XXXX waiting to collect a pension not serving people because they are lazy and think they have power. {$220.00} isn't anything, but its mine. I plan to claim a loss on my taxes for {$220.00} as a way to get my money back, that's how I deal with the government. I am a business man and I would be out of business if I ran it like the government runs there programs.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the Direct Express ( Comerica bank ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper 590s an will never let them go above that amount al least to 600 so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. The problem is with the 3 credit bureaus and their writing in XX/XX/XXXX after getting a pre-approved mortgage from XXXX for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my XXXX accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX XXXX, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. Regards, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76009
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX XXXX DIRECT EXPRESS XXXX XXXX STILE ALL THE MONEY OFF MY XXXX CARD OVER {$1000.00} N LEFT ME OVERDRAWN {$450.00}!!!!! FOR OVER {$1100.00} IN FRAUDULENT CHARGES!!! THEY THEMSELVES TOLD ME TO DISPUTE THEY CAN NOT DVEN FIND AN ADDRESS OR PHONE NUMBER FOR TGESE CHARGES COMING FROM XXXX XXXX!!!!
Company Response:
State: NM
Zip: 88201
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I checked my account before I paid my XXXX bill and noticed 17 unauthorized transactions amounting to {$320.00} I called Direct Express on XX/XX/2020 when I noticed the charges and I was told there was nothing they can do until the charges cleared my account. I called back on XX/XX/2020 and started the dispute and cancelled my card. I was either hacked or one of the websites I shop on or pay my bills on was hacked. I pay {$35.00} a month on XXXX XXXX for my cell phone. I pay between XXXX and XXXX dollars a month to XXXX for my TV and internet service. I pay {$12.00} a month to XXXX. I pay {$5.00} to XXXX and I pay {$14.00} to XXXX for my XXXX membership. I shop on the following websites, XXXX, XXXX, XXXX, I bought a VPN from XXXX, I bought a subscription on XXXX which was my last card purchase. I tried to purchase a guitar from XXXX but the order was cancelled due to my card being cancelled and no funds in my account because they were stolen. I also filed a police report on XX/XX/2020 with the XXXX Police Dept. The report number is XXXX I also started a dispute with XXXX on XX/XX/2020 for the 13 charges of {$25.00} for XXXX XXXX XXXX XXXX XXXX Ca in the total amount of {$320.00} The XXXX Dispute Claim Number is XXXX. XXXX says it takes up to 12 days to investigate. I did receive the four XXXX dollar charges back to my account. The following 4 charges were returned to my account XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} I swear on the XXXX with my right hand and to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX that I Did Not Make these charges and I will do whatever it takes to get to the bottom of this or to solve this List of all unauthorized transactions below Transaction Date Merchant Name Amount XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00}
Company Response:
State: NY
Zip: 13045
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Other service problem
Subissue:
Consumer Complaint: I have a direct express card to receive payment for some one im payee for. Their payment card expired and im supposed to get one sent automatically. They never sent it. I tried calling all day from monday XX/XX/XXXX to wed the XXXX it kept saying its a high volume of calls. My recipient ended up calling ans gtting through on threeway. The lady ad she would expesite the card after i ecpressed my issue with them not answering she confirmed my address and phone and stated the card would be expedited for XXXX and and she confirmed my phone number and said she would send the tracking number ... and tht the card would cm friday on Friday nothing came so i waited Saturday nothing came now its Monday and nothing has come. I can not pay bills or buy hygiene or food for my recipient.. i have called all numbers available and everyone tells me to call XXXX they are to this moment saying theres a high volume of calls and it hangs up i dont kno what to so but to keep calling ive called 103 times today already and last week im sure i called 1000 times..i dont kno what else to do so i figured id file a complaint
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XX/XX/XXXX, I ordered a direct express paycard by calling the social security administration and was told it would arrive in 15 business days which would be XX/XX/XXXX. I never received the card and called to cancel the request and was told they have no record of it and I was told to call the card company directly who directed me to the U.S.Treasury department who had no record of my order for my XXXX benefits to be direct deposited to the card monthly. I randomly call the SSA to make sure that my bank account number hadn't been swapped with the benefit card that I ordered but never received and have since attempted to cancel though they have no way to cancel but show that there is no card number that took over my social security number payroll deduction XXXX account.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: An unexpected transaction debited my account on XX/XX/XXXX and caused my account to overdraft. Luckily, I had payment into the account the next day which covered the overdraft. I never received a notice that my account would be charged a fee or that it overdrafted. They have my email, phone number, and address. I logged in on XX/XX/XXXX to online banking and no fee had been charged to the account. I then initiated a transfer from Comerica from an external bank for most of my remaining balance. On XX/XX/XXXX I received a letter that my account had charged a {$34.00} fee for overdrafting. I logged on and found that they did in fact charge me an overdraft fee after hours on XX/XX/XXXX which lead to my next withdrawal to also overdraft. I immediately sent a secure message explaining the situation and requesting my overdrafts be waived, deposited a check to cover the overdraft amount, and initiated an ACH transfer into the account. Comerica took 2 business days to process my check which lead to them charging 3 {$6.00} fees for my account staying overdraft until my ACH transfer arrived. Comerica had disabled my XXXXXXXX ability for being unable to verify my identity and I do not currently have an atm or debit card. There was no way for me to bring my account to positive and avoid those fees. Comerica responded that they do not waive overdraft fees.
Company Response:
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.
Company Response:
State: AZ
Zip: 86409
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A