Date Received: 2019-05-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX and XX/XX/2019, my debit card was charged 15 times to XXXX XXXX in several different states. I discovered it on XX/XX/2019 and reported it to Direct Express, They immediately cancelled the card and issued another card. They sent the paperwork via mail about the dispute for me to complete. I received the letter on the XX/XX/XXXX and on the XX/XX/XXXX, I dropped it in the mail. I was calling every other day to check if they had received it and each time they would say they have not received it. On XX/XX/2019 they advised me that I can send it by fax and on the XX/XX/XXXX I faxed it to the Fraud Department. I called on XX/XX/XXXX to see if they had received my fax and I was informed that they received the fax. I asked when will I receive a provisional credit and I was informed that it was past the ten days from the initial call and I would not receive a provisional credit. I feel this is unfair to me because I did not authorize no one to use my card or my number. I do not understand why I have to be punished for someone who stole from me. Below is the list of the charges that was done on that card : XX/XX/2019 : XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$24.00} XX/XX/2019 : XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$38.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : {$34.00} XXXX store # XXXX Amount : {$24.00} XXXX store # XXXX Amount {$36.00} XXXX store # XXXX Amount : {$32.00} XXXX store XXXX Amount : {$43.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : XXXX XXXX store # XXXX Amount : {$27.00} These are the charges that was charged to my debit card. My SSDI check is direct deposited to this card and I was under the impression that my benefit check will be safe with them and now they are telling me that I will not get my money back because of the deadline, this is not fair at all. Thank you for your cooperation XXXX XXXX
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have over 50 pages ( estimate ) of data including times, dates, events. The following is a very brief explanation. XX/XX/XXXX = discovered account drained to under {$1.00} due to multiple fraudulent charges. Called Direct Express 3 times this day. Advised I need time to review all records. Requested account statements via mail and Charge Dispute documents via mail. XX/XX/XXXX = file online crime reports with local law and IDTHEFT.GOV XX/XX/XXXX = received account statements but not dispute packet XX/XX/XXXX = XX/XX/XXXX = received letter and " Questionnaire of Fraud '' dated XX/XX/XXXX XX/XX/XXXX = us mail Questionnaire and highlighted charges on each monthly statement XX/XX/XXXX = Direct Express ( D.Ex ) received my Questionnaire and evidence XX/XX/XXXX = received prefabricated letter ( other people got the same verbiage / letter ) Case Closed dated XX/XX/XXXX ( clear and repeated action by Direct Express to deny Provisional Credit required by law ). XX/XX/XXXX - Current = Fraud continued and D.Ex sent multiple new cards to fraudulent address or addresses. I have not had access to my new funds ( Post-Fraud benefit deposits ) since the middle of XX/XX/XXXX. D.Ex charged me fees over {$55.00} for all the Fraudulent cards they sent to the perpetrator ( s ). I have sent multiple faxes and Certified Mail ( got lost or was rejected ). Online research shows hundreds of people having nearly identical experience and lack of adherence to the law by Direct Express / Comerica Bank. No warning of possible fraud, no Provisional Credit. no confirmation or updates about a " Fair Hearing '' investigation, no responses to my evidence or attempts to contact. They won't divulge their email address or other phone numbers and their automated phone system is clearly designed to impede attempts to communicate with any department at both Direct Express ( contractor ) and Comerica Bank. Here is what should be done : First, admit to knowing about cases such as mine dating back to XX/XX/XXXX where there was no protection of funds, no actual investigation leading to denial of Provisional Credit, and insufficient or no effort by Direct Express / Comerica Bank to protect funds after being notified of fraud by account holders. Second, change business practices related to the years of repeated complaints by thousands of people. Third, refund all money in accord to the Provisional Credit law. Finally, send apology letters to all the people harmed by your actions and lack of actions.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My US XXXX XXXX card has two unauthorized withdrawals made totalling about {$1500.00}. The card company offered no help. The withdrawals were made the same day my social security direct deposit was deposited. What is my next course of action. This occurred on XX/XX/XXXX.
Company Response:
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I paid XXXX using XXXX XXXX and CoAmerica prepaid debit card in late XXXX but before XX/XX/XXXX and XXXX stated they didn't get the money and canceled my personal insurance on my personal car
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: i have XXXX XXXX debit card where my social security check is put on. ive had it for approx 8 years. i have had several unauthorized charges in one form or another some lasting 2 years of consecutive charges taken from my acct. it is now at the point where approx 200 hundred dollars a month of unauthorized charges has been taken from my acct each month. i have filed several disputes but XXXX XXXX never ruled in my favor and i have spoken with XXXX XXXX at least once or twice a week for years because of this.. the amt taken on XX/XX/2019 was XXXX dollars i called them again and after being hung up on twice. i finally was able to file yet another dispute and asked that i be given provisional credit. today 6 days after filing the dispute i spoke with them yet again and they havent sent the paperwork i have not received it. and when i asked about getting a provisional credit before ten days. they said no. that as long as it takes for them to investigate. i read the law regarding this. and she said its their policy and not a law. i am losing so much money and i am XXXX on a fixed income. i truly dont know what to do anymore and whould hope finally someone hears me and makes this stop
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2019 I went into XXXX XXXX to make a XXXX XXXX card for {$460.00} the bank teller gave me a receipt saying the transaction failed I then went outside to use the atm and it wasn't taking my card either.I went back inside the bank and ask them what happened to my money I called XXXX XXXX the next day after it was posted cash pending for {$460.00} then the next day they said the money was taken off my card. I went back into the bank the following day and spoke with the manager XXXX XXXX. I called XXXX XXXX and put them on speaker. Both are claiming one or the other has the money. I never received any money from the bank camera 's don't lie. I have faxed XXXX XXXX all the documents that I have concerning this matter.Please help me with this thank you
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called the phone number listed on my XXXX XXXX XXXX : XXXX minimum six times between late XX/XX/XXXX and XX/XX/XXXX. I tried several ways to get a live rep. One was hit # 3 On my phone-Lost or Stolen. Another was hit 0. Got no one. Recorded message : " We are having a higher volume than usual. Please try to call back later. '' the other : Sorry, We are having technical problems. XXXX XX/XX/XXXX, my XXXX debit card was stolen on a bus at the Downtown XXXX bus station. The thief used that card for five transactions in three places.He/ she spent {$68.00} on my card. Also stolen was my XXXX XXXX XXXX on which direct Social Security payments are loaded automatically each month. That day, I called the direct number to report a card stolen and got no one live to talk to, nor a message giving instructions what to do to cancel the card. After 69 minutes, I got hung up on. This is serious. Not only has the thief probably been using the XXXX XXXX MasterCard, my roommate may also be using it. He does not have the card. He has all the info needed to make purchases online or by phone. In XX/XX/XXXX, I gave him that info to pay a past due phone bill. The only time I got someone live was putting in XXXX. A lady said, " Comerica Bank. '' A rep said Comerica Bank did not handle transactions on XXXX XXXX cards.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: I called the FDIC to find out where I could go to complain about this issue. XXXX XXXX XXXX in MN, or the Senior President XXXX XXXX in MI is not taking care of this scandal. It started with a California attorney XXXX XXXX XXXX- who is a Kid sibling - of friends from XXXX during the college days of my brother XXXX XXXX XXXX ( and his first wife XXXX ) -also in California that conspired together to take advantage of my Hospice father XXXX XXXX XXXX of WISCONSIN- who has XXXX 's - which makes him XXXX and believe things that were not true. XXXX XXXX from XXXX kept in touch with my brother constantly to 'advise him ' how to take everything from my parents XXXX XXXX dollar estate and to keep everything for himself- INCLUDING the separate codicil my mom revised in XXXX leaving all her jewelry and specified items from the lake house that I never received. XXXX XXXX of California kept in contact with my brother via a fake email address XXXX. I have witnesses that stated my father didn't know what he was signing and dropped the pen 5 or 6 times while signing his name. The attorney in Wisconsin XXXX XXXX - also found a document that my father signed years ago ( when his arm was broken ) so they could show his signature was always shaky and hard to read in case they were questioned later. Then XXXX and XXXX put my father on a plane to California they had him sign a new will leaving everything to XXXX and his new wife XXXX XXXX ( which has several alias birthdays - so I don't know which one is actually true ). I did NOT receive any of my mother 's jewelry she left me except her wedding ring ( which I have witnesses XXXX XXXX ( XXXX ) did everything she could to get that too. They also took all of the items on page # 2 left to me- XXXX received a summons from WISCONSIN court about the codicil but only filed page 1 of 2 pages as he had emails stating he took those items. Then he had his Attorney XXXX XXXX attempt to get me to sign a paper saying that a bunch of broken JUNK jewelry was diamonds and rubys- when I wouldn't sign it - the attorney ASSAULTED me! I can't get any money out of these people- plus, they are either trying to FORCE me to put my three personal real estate properties in the " trust name ' so they can not only steal everything due me by my parents -but also the real estate I owned as well. XXXX XXXX XXXX in MN ( XXXX XXXX ) makes written promises to PAY-= but, then fails to make payments - causing my residence at the time in XXXX to go into foreclosure. In fact not only did XXXX XXXX not pay my attorney his balance causing not only my house to be foreclosure- but, I believe she had something to do with making false statement to have my house 'condemned ' as it was just listed for sale for {$170000.00} by MLS listing months before so XXXX, XXXX XXXX XXXX could go in there and cut my water line forcing me from my house. I have proof of everything I stated - and I can't get justice in CALIFORNIA courts- as my brothers attorney friend kept canceling every single court date I had, removed papers from the file, and even had my brother contact every single large law firm in XXXX XXXX area to cause " conflict of interest " - as even that XXXX already had an attorney and didn't hire these firms - I couldn't hire them either. When I did find ONE attorney XXXX XXXX to go to California court for me AND fight my foreclosure ( or at least get XXXX XXXX to render the {$14000.00} to stop the foreclosure she promised to pay - but didn't ) This issue is still going on today as the INDEPENDENT MORTGAGE REVIEW sided with me and told XXXX to make me whole for the 'illegal foreclosure '. I've made complaints to the TEXAS DEPT OF BANKING in XXXX which XXXX XXXX in court of CA stated she was able to render any payments confirmed by XXXX XXXX of MI - but, that was short lived. I have enclosed documents where XXXX promised {$3000.00} a month payments but only put {$600.00}. in my account - then XXXX she sent me a notice to discontinue every payment unless I provide more documents ( contrary to what she said in court ) I sent those documents as well CERTIFIED ( enclosed ) but still she stopped any payments to me - foreclosing my house. The recent 3 documents complaints sent to Texas Dept of banking were stopped and thrown out by XXXX XXXX XXXX - which I feel just had a conflict of interest., but, the claims were never passed on or heard - one being when I received a collection notice from a credit card company NOW suing me for {$3800.00} for money XXXX XXXX 'said ' she paid- but, she just changed the card billing address to HER address so I wouldn't know she never paid it. Then XXXX XXXX- I sent another complaint, and XX/XX/XXXX another - all intercepted by XXXX XXXX XXXX of the Texas Dept of Banking . I also sent complaints to XXXX XXXX about the lie she submitted in XXXX - but, she just ignores me as well. I really would like a full investigation as I suspect Embezzlement or conspiracy with my brothers attorney friend XXXX XXXX that was practicing law in Wisconsin where he isn't licensed in order to get my dad to go to California as a resident so I had to hire THREE attorneys in three different states to get justice for the missing jewelry and items mom left me - and for taking advantage of my father to steal the entire estate for themselves.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
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/2019, I received my monthly SSI deposit to my Direct Express debit card. I happened to be up around midnight and saw the deposit appear. A few minutes later I saw mysterious charges being made which I will outline below. P.S. I live in Rhode Island and was no where near Florida : XX/XX/2019 Deposit from SSA - {$2300.00} -- -- -- -- Fraudulent withdrawals and purchases : XX/XX/2019 XXXX XXXX FL - ATM {$1000.00}, XX/XX/2019 XXXX XXXX FL - ATM {$500.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX XXXX FL - ATM {$23.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX, XXXX, FL {$500.00}, XX/XX/2019 XXXX, XXXX, FL {$360.00}, XX/XX/2019 XXXX XXXX FL - ATM {$80.00}, XX/XX/2019 XXXX XXXX XXXX FL {$3.00}, There are no other purchases/withdrawals made in Florida as I closed the card IMMEDIATELY upon watching the account get drained. All other charges on my card are mine. I just noticed the XX/XX/XXXXcharges - apparently, whomever did this made these purchases a few minutes prior to the XX/XX/2019 monthly deposit. I have NEVER given my card or card number to anyone in FL. I don't know anyone!! These charges are so clearly fraudulent and it is extremely upsetting that this situation remains unresolved. I've had to take a loan from my bank to pay my rent, my bills, food, etc. SSI is my only income. I have XXXX XXXX and am unable to work. I pray this can be resolved.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/19 I tried to make a XXXX dollar purchase but to my surprise, my minor childs government issued XXXX XXXX COMERICA BANK debit card benefits account declined. I immediately went online as I usually would to check the balance and discovered the balance was about 5.62. I immediately called the card service to let them know that someone had taken thousands of dollars from the account without my knowledge or consent. XXXX to be exact in UNAUTHORIZED transactions at several different locations in XXXX and XXXX, Florida. My card was in my possession the whole time, Never lost or stolen and NOONE other than myself has access to the account or pin number. After about 15 days of investigation XXXX XXXX closed the case and claims there was conflicting information in what I gave them and what they investigated. They said I had called from my phone number and address to check the balance before the fraudulent activity began, however, I MADE NO SUCH CALLS. I get access to that information ONLINE. They said someone with my same last name tried calling in aswell, however, I don't know anyone or have anyone in my family with that persons name. Because of these events I have discovered that someone has stolen my identity and is perpetrating to be a member of my family. I've sent in my phone bill to show that I made No Calls to check the balance on XX/XX/2019 like their records suggest. XXXX XXXX level 2 fraud employees are very short and vague in helping and have told me the case is in fair hearing and that it could take hours or YEARS for this to be resolved. In fact, " no time frame '' is what they are saying consistently. They will not return escalation call request or allow me to speak with the investigators. XXXX XXXX never issued a provisional credit even though I complied with their requests. I've filed police reports in both locations where the fraud accured and filed an identity theft report with The FTC. Please help me get these funds back as they are benefits for my XXXX year old child that has special needs. No one other than myself should have ANY access to these funds. HELP
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A