Date Received: 2019-02-12
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX XXXX ACCOUNT EXCESS CARDS
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My book bag was stolen from my XXXX locker while I was on vacation. It included my phone case, which consisted of my Drivers license, some credit/debit cards and my social security number. Three of my cards were used. Someone tried to open additional credit lines. I have made a police report which I have submitted and I have a XXXX lock on my Social Security number. XXXX reported it to XXXX and XXXX. I have a copy of the letter they sent out. I have already disputed these transaction with Comerica Bank. I have received a partial refund. I asked to speak with a supervisor in the claims department and was bluntly told no. My only option left is a small claims suit, which I do not want to pursue, but I refuse to let someone take my money, especially clear my bank account and leave it in the negative. I know how Regulation E works and this is not how.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: From XX/XX/XXXX - XX/XX/XXXX my XXXX XXXX account was drained of {$1500.00} with 26 charges over a 5 day period leaving me with an account balance of {$2.00}. On XX/XX/XXXX ; XXXX, while purchasing XXXX presents, my card was declined. I called XXXX XXXX and notified them of these unauthorized purchases from XXXX XXXX, XXXX, XXXX. They mailed me a packet which was received by me on XX/XX/XXXX and returned to them on XX/XX/XXXX. ( In desperate need of my social security income, I mailed the package at my local post office on XXXX XXXX. ) On XXXX, XXXX. I received their response from XXXX XXXX Fraud Services Department - reference # XXXX dated XX/XX/XXXX stating : Based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. I requested copies of the documents on XX/XX/XXXX and was told by XXXX they would be received in 3-5 days. Further, when I requested that my fraud/complaint be reopened, XXXX indicated that it was closed and could not be reopened. I mailed them a letter today asking that the investigation be reopened and that the unauthorized transfer of funds be returned as required under Regulation E - Liability of Consumers for Unauthorized Transfers XXXX and MasterCard Zero Liability Protection. In the information I provided, which was prior to receipt of my XXXX statement, I surmised that this XXXX purchase may have been affiliated with two legitimate purchases on my card for a drone and a ring. I KNOW that XXXX XXXX has no documentation to make a determination that I entered into any agreement with this merchant. I had never heard of this company prior to seeing the charges, I have never been on their website or utilized any services or made any purchases from this company. I XXXX them yesterday and was shocked and surprised to find out XXXX XXXX is a live platform that enables anyone to stream, interact with their audience, build a following and get paid. I have NEVER entered into an agreement with this merchant therefore I can not resolve this issue with the merchant directly. Did their investigation indicate how these charges originated? What company or platform originated these charges or how my card information was fraudulently obtained. Yesterday I researched this company. It appears that I must download an APP which is FREE and then purchase coins starting at 60 coins for {$0.00} or 6000 coins for {$99.00}. Excluding the international purchase fees, my account paid {$1.00} ; XXXX so I must have purchased over 85,000 coins ... what did I purchase??? XXXX XXXXComerica appears to be in violation of Regulation E which states that any unauthorized transfer ( s ) NOT involving loss or theft of an access device, and with the customer providing notice to the Financial Institution within 60 days after transmittal of the periodic statement on which the unauthorized transfers first appears, THE CONSUMER shall have NO liability. It is impossible for me to understand how XXXX XXXX/Comerica could have made a determination that I authorized these purchases. All charges and purchases made on my account from XXXX XXXX are FRAUDULENT AND UNAUTHORIZED. Clearly these charges do not reflect any previous purchases I have made on my debit card and are not for a drone or a ring. I expect a refund to my account in 11 business days ( XXXX ) for a full refund of the unauthorized charges of {$1500.00} plus interest from XX/XX/XXXX. My social security income is my only income I receive. This has caused a great hardship and I have had to ask my son to help me pay my mortgage and groceries. This is not right. I call their toll free number and I get hung up on due to high volume. They dont have a fax number to send them the information they need and the process takes too long! Then to be denied a refund without an appropriate explanation is wrong. I can not wait to see their records before I respond because their records can not possibly indicate that I authorized these purchases. Please help!!!! Kind regards,
Company Response:
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: on XX/XX/XXXX i want to log in my online banking to make a payment XXXX dollars, after i type my password three time, everything is correct but the bank said is in correct then log my account .it make me late payment that ; s not the first time after i type the password it said is in correct, happen for more than 4to 5 time and i try to contact the customer service IN XX/XX/XXXX i contact customer service i wait more than hour until i hang up still no one answer my phone? than on XXXX XXXXi try again i wait for almost 2 hours same thing until i hang up still no one answering my phone today i call again still no one answering my phone .what kind of customer service they provide.up to today my online account still can not use it.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On Friday XX/XX/2019 at XXXX central standard time I set up a funds transfer with XXXX XXXX to put XXXX into my XXXX XXXX bank account it turned out that it was not allowed to do this unless you done it before no where does it say that I was told I wasn't getting any if my money back and I have contacted the ftc Federal reserve bank and department of Justice us attorney office with that being said I was notified by XXXX XXXX that I will have all money totaling XXXX back in my card in 5 days from the time the transaction took place
Company Response:
State: KY
Zip: 40219
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX XXXX needs to be shut down. They are not above the law. They do not refund money when unauthorized purchases are made on social security credit card. I purchase a XXXX car wash and somehow under the transmission they took out all of my funds of XXXX. Now this is only a car wash not a place to pump gas. It was so obvious there was an error but XXXX XXXX denied my claim. You really need to investigate this I now think they have an automatic denial letter generated for false charges to the consumer 's and they forget they are regulated the federal laws like a bank. I believe this is an incredible crime on their part and I would like my money back.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: My XXXX XXXX MasterCard isn't releasing my credit info but I keep getting charged by all 3 credit but was monthly and it's making a score of XXXX it's not right it was XXXX they are robbing me with bank fees to at XXXX XXXX XXXX in XXXX ky XXXX it's litteraly the credit bureau charging me over and over and XXXX XXXX us treasury card is being robbed. Some XXXX XXXX XXXX laughed at me like it's an error and it's not funny. Only credit card I got is XXXX XXXX Comerica government card and it's secured my credit should be stellar never missed a payment on my at & t bill ever either. It's not fair
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https : XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.
Company Response:
State: CA
Zip: 92860
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I expect full provisional credit, as I was told they are open 24hrs day even XXXX. I open the FRAUD DISPUTE on XX/XX/XXXX and faxed the complaint back to Friday XX/XX/XXXX this is in violation of federal banking laws, including Regulation E, Section 226.12 by Comerica Bank ( illegally withholding funds from debit card holders ) ... Who has reported Fraud on my account concerning my account about my money took by means of CREDIT CARD FRAUD I have sent my information in Friday XX/XX/XXXX and POLICE REPORT NUMBER # XXXX for credit card Fraud, I was told it will be only 24-48 hours it's been 11 days and 8 Business days now I'm told it will be XX/XX/XXXX that will be 17 days and 12 business days which Regulation E provisional credit states in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit, if you notify your bank of a potential account error, Regulation E requires a bank to investigate and determine whether an error occurred within 10 business days of receiving your notice ( or 20 business days for new accounts ). If a bank is unable to complete its investigation within the appropriate timeframe, it may take up to 45 days to determine whether an error occurred. But in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit I have RESERVED ALL RIGHTS BY SIGNING UCC 1 308 this is even not being acknowledge at this time I need answers. This is in violation of the FDIC I'm sending this complaint to these people listed below that are supposed to protect my rights. 2 ) XXXX XXXX, OIG of Social Security, at XXXX. 2 ) XXXX XXXX of Comerica Bank, who is the person responsible for allowing all this to happen email is XXXX. 3 ) XXXX XXXX, Chief Counsel of Treasury OIG, at XXXX. 4 ) XXXX XXXX, an investigator with Treasury OIG, XXXX. XXXX ) Advocacy - XXXX XXXX XXXX Mr. XXXX,, Please note, we have until XX/XX/XXXX ( per Regulation E ) to make a decision. Thank you for diligently providing the information we need to investigate your claim. I apologize for the confusion, and as a courtesy I have forwarded your information to our Disputes Team supervisor for review. I will send a follow up email once a determination has been made. Thank you for your patience in the matter! Thank you, XXXX THEY HAVE REFUSED TO ACKNOWLEDGE Regulation E BUT THEY KEEP USING THIS Regulation E BUT NOT DOING WHAT IT STATES as here ( Please note, we have until XX/XX/XXXX ( Regulation E ) to make a decision. Thank you for diligently providing the information we need to investigate your claim. I apologize for the confusion, and as a courtesy I have forwarded your information to our Disputes Team supervisor for review. I will send a follow up email once a determination has been made. Thank you for your patience in the matter! Thank you, XXXX ) Which this which XXXX is in correct anf I Demand Answer and the Copy of the Investigation that has been done.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A