Date Received: 2019-09-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a claim with Direct Express, card I receive my Social Security benefits on. I filed a claim on XX/XX/2019, for unauthorized purchases made on my card by my x boyfriend, and then I filed another claim on XX/XX/2019 for more unauthorized transactions, that my x roommate made without my permission, all totaling to the amount of XXXX I reported to the investigator that my x boyfriend stold my card, and my money, I gave them his name, and completed all the paperwork required. Direct Express combined both claims into XXXX claim number XXXX. Direct Express did there investigation, and DENIED MY CLAIM. How can they DENY my claim? I did not authorize these transactions. The investigator also denied my request for a formal hearing regarding this case. I talk to Direct Express and they could not tell me who investigated my claim there was no name on the paperwork. They just kept saying was that I was denied because there was BALANCE CHECKS on my card during the time it was stolen. I checked my statement and I can not find any BALANCE INQUIRIES, and why would this matter anyway? They said my claim was settled back in XX/XX/2019, but I received no notification that my claim was not going to be paid to me.
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was XXXX and on XX/XX/XXXX. XXXX XXXX a friends husband had a card sent to his house expidiated. Without my knowledge. He activated this card and withdrew my ssi benefits for the months of XXXX XXXX and XXXX. For {$720.00} {$740.00} and {$740.00}. They also had a drivers license sent to there house in my name. I wrote direct express and explained I was XXXX and no one had authorization to use. I didnt get our until XXXX XXXX. I found out then going to social sercurity that I owed these funds. {$2100.00} Which i am having to pay back. Due to Direct express dening my claim. I sent everuthing that they requested. I filed a police report. I am experiencing hardship and a fincial lose and strain from this clear act of fraud. I need help. They are ride hang up and dont answer any questions I have. This is a clear case and they have lied to me as well as cheated me out of the rights as a consumer has
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I called on the XXXX of XXXX to report my card missing. I paid for the 2 day shipping and didn't get the card until the XXXX. I was charged {$13.00}. I requested a refund as the card took as long as it would have taken to mail it. I have called 3 times with no resolution, in fact the last rep, I dealt with told me I needed to call fed ex, ( It was sent XXXX ), to see what happened. I explained that I was not the customer, having no input as to what company they used to send the card, and that although I was a Direct Express customer, Direct Express was the customer of XXXX, making that Direct Expresses responsibility. Since my two day service took 5 days I feel that they need to refund my {$13.00}.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have deposited check in my account, my account had positive balance and never had any negatives or bounce checks, the deposited check turned out to be a bad check, after that the bank held my own funds for 30 days, and then the closed my account and returned my money, they said they don't want to do any business with me, I respect their position, and took my funds and walked out. After this incident I went to XXXX XXXX to open an account, XXXX XXXX told me that Comerica bank reported to XXXX ( XXXX XXXX XXXX ) negative mark, Now I can not open an account, I contacted Comerica Bank, but they did not even talk to me to explain the reason for reporting negative mark and hung up the phone on me a few times. I want to resolve this matter ASAP and report Comerica Bank for unverified reporting of negative mark on XXXX. Comerica is reporting without proof of wrong doing, Comerica must be sued or reported as misusing of banking relationship against consumers.
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Recently I paid off Comerica Bank line of credit. I have been requesting the lender to provide me complete itemized payoff calculation because I find I overpaid but lender is not responding at all. I have sent a written letter to comerica ; reached out to their quality assurance team over multiple phone calls still no luck. I have attached a pdf file that describes all gory details related to my dispute.
Company Response:
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: RE : USDirect Express and Comerica Bank On XX/XX/2019 at XXXX XXXX I noticed fraudulent ATM withdrawals on my online account of over {$1400.00}. I had my card in my hands and I was at home during these ATM posts. So the card had been duplicated. I called my bank and reported the fraudulent activity. 2 hours later at the end of my call the employee stated I would receive the stolen funds within two days but at the latest by XX/XX/XXXX if I got the proper documents to her that day. 20 minutes later my attorney faxed all the papers and received fax confirmation. I called XX/XX/XXXX after still having no funds to live off of and hours later was told they had ten business days by a very rude employee. My attorney has faxed two more letters along with information and again had fax confirmation as wells as mailed via USPS. It is now XX/XX/XXXX, I am facing eviction because my money was stolen and the bank is not doing their job or standing by their Liability. My attorney has been trying to call them for days and it says " we are experiencing high call volume '' then hangs up. I am a XXXX XXXX man with no way to feed my family or provide for them and this banking company is not standing by their publications that states " it will be reimbursed within 10 days. '' I have received no documents, emails or phone calls from this bank and its almost impossible to speak to an employee. This company should not be allowed to process any of the federal government 's funds.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: ON XX/XX/2019 MY DIRECT EXPRESS DEBIT MASTERCARD WAS STOLEN AND 5 FRAUDULANT CHARGES WERE MADE TO MY CARD
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: On XX/XX/2019 I logged on to usdirectexpress.com, I transfered approx XXXX to my checking account and received a confirmation number. It specificaly said on there website that if the transfer does not go through that you will be notified. I was not notifed! XX/XX/2019 I called direct express customer service and spoke with level 1 and level 2 customer service. I was told that they have been having technical issues with there website transfering funds to checking accounts and that it is not possible to do tranfers on there website anymore and they are advising customers to use there automated phone service to do tranfers to checking accounts. I had them connect me to the automated service and I requested the funds to be tranfered to my checking account and was given a confirmation number. On XX/XX/2019 I called again because I wanted to make sure there would be no issues this time around. I spoke with level 1 customer service and was told that everything looked good on there end and that I should have the money in 5 days. I asked to speak with his level 2 manager because I did not want to take any chances with being given wrong information, such as happened in the past! He connected me with "XXXX" employee id #XXXX. I explained my situation to her. Explaining that this issue arrised on XX/XX/2019 and that I really needed my funds. After about 30 minutes of going back and forth with her she advised me that there is a NEW policy for tranfering funds to a checking account and that you must submit a copy of your state ID and copy of your checking account statement and that it must be emailed to XX/XX/XXXX and that it takes them 5 business days to process and approve.Then once its approved I can request a transfer again for the 3rd time and that I would have the funds 5 days after the transfer. I explained to her that I needed the funds urgently and pleaded with her to transfer me to the advocacy department or provide me with there phone number, she said it wasnt possible. I continued to ask her for options such as a corporate number and so forth. She said she had no other options for me and that she was disconnecting the call. She abruptly hung up on me! THERE ARE OBLIGATIONS FOR PREPAID BANKING COMPANYS OR ANY FINANCIAL COMPANY FOR THAT MATTER. They are OBLIGATED to notify all customers by mail in the event that there are policy changes that affect your account. At the very least they can advise you on there website. Not this company! I have gone ahead and emailed the documents. I guess now I wait for another 10-12 days before I have my funds in my checking account if im lucky.
Company Response:
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/XXXX an amount of $XXXX was sent to my Direct Express debit card. On XX/XX/XXXX an amount of $XXXX was used and on XX/XX/XXXX I checked my balance and my balance was only $XXXX. I have been trying to make contact via telephone to have the relevant state agency to cancel and replace my card immediately but have been placed on hold and subsequently disconnected. Looking forward for your kind assistance.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019 I went through the drive threw at the Comerica banking center location at XXXX XXXX XXXX XXXX Texas to pay a overdraft amount of XXXX dollars, the lobby was closed so I went to the drive threw the teller declined to take my payment said I have to come inside the lobby to complete the transaction the branch manager is XXXX XXXX ( XXXX ) XXXX, so I was instructed to wait until the next business day so I did.the following day I went to the Comerica banking center location XXXX XXXX in XXXX XXXX texas XXXX XXXX is a personal banker at this location she took my payment of XXXX dollars and my account had a XXXX balance I kept getting overdraft fees because Ms XXXX did not comply with company protocol to XXXX debit my account out which left with XXXX dollars of overdraft fees I told that I bank with XXXX now and that effective XX/XX/2019 that no more deposits will be in this account effective XX/XX/2019 .I spoke with call center rep his name was XXXX did not give last name or all of the overdraft items.i spoke today XX/XX/2019 with XXXX XXXX at the XXXX XXXX location she told me that Ms XXXX was supposed to do a debit close out she did not close my account which it stayed active for an additional 60 days after it was supposed to be closed it was finally closed XX/XX/2019 they are going to report me to the credit for overdraft fees they the wanted me, this banking has some deceptive and toxic banking practices I would like a full of this matter and I would like this matter to be considered for arbitration Mrs XXXX XXXX is responsible for this situation.
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A