Comerica

2016-08-08

Newport, TN

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

OR

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I serve as XXXX. My father called me for assistance on an account he has at Comerica Bank. Based on my father 's experience, I believe Comerica Bank is in violation of Regulation E and is operating its Direct Express program in an Unfair and Deceptive Manner. The arrangement between the XXXX XXXX and Comerica should be looked into considering the vulnerable population they serve. My father receives Veteran 's benefits via a Direct Express account. On XXXX/XXXX/2016 he phoned their Customer Service line XXXX to verify his direct deposit and confirm his account balance. His balance was unexplainably lower than expected, so he went through a complicated touch tone process, eventually reaching a representative who read him a series of transactions that had recently occurred - each of them out of state and for varying amounts at establishments to which my father had never been. My father reported these transactions as fraudulent. The representative told my father that looking into these transactions could take 90 days and mentioned nothing about providing him provisional credit within 10 business days. On XXXX XXXX, my father phoned me to explain that he had called again to the XXXX number to find out if they had learned anything about the fraudulent transactions. The representative to whom he spoke said that he should have received something in the mail. My father informed the representative he had not received anything in the mail. The representative said he should wait because today is only the XXXX and they placed the information in the mail on the XXXX. This is when my father called me ( concerned that he will not be getting his money back ). We phoned the XXXX number together as a conference call. The Representative, " XXXX '' to whom we spoke at XXXX Pacific Time, went through a litany of identification processes to confirm my father 's identity, and then proceeded to explain that she is prohibited from having a conversation about my father 's account. We then explained that we would not ask questions about my father 's account specifically, but we wanted to gain an understanding of Comerica 's Reg E Dispute process. She stated she could not speak to us. I asked her if there was a number to call - and she reiterated the same XXXX number that we had dialed into to. She stated no one could answer our questions. We ended the call. I asked my father if he received a bank statement on this account. He stated that he does not - and does n't know why he does n't get a statement. I phoned back to the customer service line and went through a number of prompts to learn how he could obtain a paper statement. An electronic recording stated that in order to enroll in paper statements, a {$0.00} per month fee would be assessed. My father is unaware of how to reconcile his accounts online and is challenged to navigate Comerica 's terrible XXXX number, and is unable to have a helper assist him in navigating his account via telephone. To our knowledge, Comerica is doing nothing about the fraudulent charges and he is without any means of obtaining more information or customer service. To my knowledge, Comerica owes him provisional credit by the XXXX of XXXX, and has 45 days to research his claim from the date of learning about it, and up to 90 days under special circumstance. It is unfair and abusive that veterans are not entitled to free paper bank statements that would allow for others to assist them with their reconciliation processes. Comerica is in violation of Regulation DD in not allowing consumers to ask general product questions and receive account disclosure information unless they have an account. I understand that they can not ( for privacy reasons ) discuss account matters with persons that are not signers on the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-05

Chicago, IL

Fraud or scam

Prepaid card: General purpose card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-05

Tucson, AZ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Concord Twp, OH

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-02

College Park, NV

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Briarwood, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

CA

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: I CONTACTED DIRECT EXPRESS ON XXXX XXXX, WHEN MY CARD WAS DECLINED. I WAS TOLD BY DIRECT EXPRESS THAT ON XXXX XXXX, DIRECT EXPRESS TRANSFERED FUNDS FROM MY ACCOUNT TO ANOTHER ACCOUNT WITHOUT MY KNOWLEDGE AUTHORIZATION OR CONSENT, MY CARD IS STILL IN MY POSSESSION BUT OTHER DETAILS WERENT GIVEN TO ME. DIRECT EXPRESS CANCELED MY CARD IMMEDIATELY AND TOLD ME I WOULD RECEIVE PAPERWORK IN 3 DAYS WHICH I HAD TO COMPLETE AND RETURN TO THEM WITHIN 10 BUSINESS DAYS FROM THE DATE WHICH I CALLED THEM, I RETURNED THE PAPERWORK VIA PRIORTY MAIL EXPRESS THROUGH THE USPS, SCHEDULED DELIVERY DATE WAS XXXX/XXXX/2016, DIRECT EXPRESS CLAIMS THEY NEVER RECEIVED MY PAPERWORK. I TRACKED THE PAPERWORK THAT I MAILED AND THE TRACKING STATES THAT IT WAS DELIVERED ON TIME TO DIRECT EXPRESS. THEY NO LONGER ARE ACCEPTING MY ATTEMPTS TO CALL THEM. WHEN I CALL I GET DISCONNECTED WHEN PROMPTED TO HOLD FOR A REPRESENTIVE OR IM TOLD DUE TO HIGH VOLUME OF CALLS, PLEASE CALL BACK LATER,
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The Embezzlement : Comerica Bank XXXX XXXX, XXXX XXXX ( RSSD No. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX ) Embezzlement conspiring with Comerica Bank ( Texas XXXX Bank ) and XXXX XXXX ( Collection agency ) Comerica Bank XXXX XXXX, XXXX XXXX with no bank account registered, no legal right to claim a debt, no service of legal document filed in a court of venue and jurisdiction, conspired with Comerica Bank ( XXXX Bank located in XXXX, TX ) to freeze my Check/ATM Card not my checking account. Also conspired with XXXX XXXX pretending a Writ of Garnishment was filed in a court that does not exist in XXXX XXXX TX. Details of embezzlement committed by Comerica Bank XXXX XXXX, XXXX XXXX ( RSSD No. XXXX ) Comerica Bank XXXX XXXX without an established bank account used Comerica Bank in Texas to freeze {$4500.00} our bank account with no reason or legal document. Comerica Bank froze our Check/ATM Card to get our attention Comerica Bank was never served a Writ of Judgment by a court of jurisdiction, Comerica Bank XXXX XXXX using fraudulent Customer/Branch Notice of Garnishment for {$2800.00} and Pledge Hold for unknown amount conspired to embezzle a total of {$7400.00} with Comerica Bank ( Texas XXXX Bank ) without documentation Pledge Hold {$4500.00}. Listing a court in XXXX XXXX, TX that does not exist, using XXXX XXXX as a Plaintiff who never paid filing fee in any court claiming funds. 1. Without a registered bank account in my name, Comerica Bank XXXX XXXX mailed a carbon copy of Customer Copy 1 - Customer/Branch Notice of Garnishment. Reference No. XXXX - dated XXXX/XXXX/16. Using Comerica Bank ( State Bank ) document mailed from XXXX. 2. Manually blocked out the bank account number on the Notice of Garnishment 3. The Notice of Garnishment identified a hold placed on XXXX XXXX Check/ATM Cards. 4. The Notice of Garnishment also contained a Pledge Hold with undisclosed amount while using Comerica Bank ( Texas XXXX Bank to Pledge Hold {$4500.00} ) 5. The Notice of Garnishment displays a total amount Garnishment Amount of {$2800.00} based on Plaintiff XXXX XXXX represented by XXXX XXXX XXXX XXXX. Filed in the court - XXXX XXXX Texas # 2 no such court exist in XXXX XXXX Texas. 6. Comerica Bank XXXX Assistant Banking Center Manager stated he has never seen a hold on Checking/ATM cards, he stated it was done to get our attention. 7. Comerica Bank XXXX Assistant Banking Center Manager could not explain why he could not issue a new Check/ATM card on our account. 8. Comerica Bank XXXX Assistant Banking Center Manager said the only way to resolve the matter was call XXXX XXXX or call Comerica Bank XXXX XXXX XXXX Processing in XXXX XXXX. The Scam : Comerica Bank & Trust was used to freeze our funds on our Check/ATM Card with no established bank account and no Writ of Garnishment filed in a court of law. Comerica Bank ( State Bank ) froze our Check/ATM Card knowing our Check/ATM Card had nothing to do with Comerica Bank XXXX XXXX. XXXX XXXX never paid filing fee in any court for legal action regarding my bank account. No party paid a filing fee requesting venue in XXXX XXXX XXXX XXXX XXXX TX. No party paid, filed, received, or served legal documents in a legal court to take the funds from our bank account. No matter which party I contact, no one had legal authority to claim or freeze our account. This is a catch 22, the only out the parties gave me was to get an attorney and file a motion in XXXX of the XXXX XXXX XXXX, XXXX XXXX, TX. This action would give all parties legal authority to cover-up their illegal actions and allow them to take our funds through a legal court via a new case number assigned to the fraudulent Writ of Garnishment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Spring Hill, FL

Fraud or scam

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-31

Los Gatos, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Stkn, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Salt Lake City, UT

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Comerica Bank ( XXXX Bank ) Embezzlement conspiring with Comerica Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Collection agency ). Comerica Bank with no legal document filed, no service of Writ of Judgment and no Pledge Hold filed, froze my checking account in the amount of {$4500.00}. Comerica Bank conspired with Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX to freeze my Check/ATM Card not my checking account. Also conspired with XXXX XXXX pretending a Writ of Garnishment was filed in a court that does not exist in XXXX XXXX XXXX. Details of embezzlement committed by Comerica Bank ( XXXX Bank ) Comerica Bank never served Writ of Judgment Comerica Bank records claim it has Pledge Hold for {$4500.00} and has no knowledge of a Writ of Judgment for {$2800.00}. Location XXXX XXXX XXXX, XXXX XXXX XXXX. Facts 1. Comerica Bank XXXX Assistant Banking Center Manager ( XXXX ) claimed his bank has not received an original copy XXXX of the Notice of Garnishment. 2. Comerica Bank XXXX Assistant Banking Center Manager stated he has never seen a hold on Checking/ATM cards, he stated it was done to get our attention. 3. Comerica Bank XXXX Assistant Banking Center Manager could not answer why Comerica Bank placed a pledge hold on our checking account in the amount of {$4500.00}. 4. Comerica Bank XXXX Assistant Banking Center Manager could not explain why his system did not show the Notice of Garnishment in the amount of {$2800.00}. 5. Comerica Bank XXXX Assistant Banking Center Manager could not explain why with an amount to cover the hold, why he was instructed not to remove the hold on our Check/ATM Card. 6. Comerica Bank XXXX Assistant Banking Center Manager could not explain why he could no issue a new Check/ATM card on our account. 7. Comerica Bank XXXX Assistant Banking Center Manager said service of the garnishment was at the XXXX office not XXXX office. 8. Comerica Bank XXXX Assistant Banking Center Manager said the only way to resolve the matter was call XXXX XXXX or call Comerica Bank XXXX XXXX XXXX XXXX in XXXX XXXX. Banking Center Manager Assistant Vice President ( XXXX ) repeated the comments of branch XXXX Details of embezzlement committed by Comerica Bank XXXX XXXX, XXXX XXXX ( XXXX. XXXX ) The bank was never served a Writ of Judgment by a court of jurisdiction, conspiring with Comerica Bank ( XXXX Bank ) using fraudulent Customer/Branch Notice of Garnishment. Listing a court in XXXX XXXXXXXX that does not exist. Using XXXX XXXX to pretend legal action was filed. Facts : 1. Comerica Bank & Trust without a registered bank account in my name, used Comerica Bank around XXXX/XXXX/16 froze {$4500.00} from my checking account registered with the bank. 2. Claiming the Notice of Garnishment was completed at branch XXXX, Comerica Bank & Trust has no such branch XXXX. 3. Manually blocked out the bank account number on the Notice of Garnishment 4. The Notice of Garnishment identified a hold placed on XXXX XXXX XXXX XXXX. 5. The Notice of Garnishment also contained a Pledge Hold with undisclosed amount while using Comerica Bank ( XXXX {$4500.00} ) 6. The Notice of Garnishment displays a total amount Garnishment Amount of {$2800.00} based on XXXX XXXX XXXX represented by XXXX XXXX XXXX XXXX. Filed in the court - XXXX XXXX XXXX # XXXX no such court exist in XXXX XXXX XXXX. XXXX XXXX never filed filing fee in any court for legal action regarding my bank account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

Ft Lauderdale, FL

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: my debit card direct express debit card which is issued by the social security administration in order for me to receive my benefits each month on this debit card. on XXXX XXXX I filed a dispute over my wallet being stolen as well as my direct express debit card, i did call and cancel the card on XXXX XXXX, the individual whom had stolen my wallet was able to access my account of course by my wallet being stolen so was my social security card in it as well. the individual was able to call change my pin and access my funds on my debit card {$400.00} to be exact .this was a debit transaction from an atm machine. I called direct express on XXXX XXXX filed a claim dispute with the card company, i followed all requests for information pertaining to this dispute claim, I have been relentless in calling direct express level 2 fraud dept as to inquire about my pending fraud dispute. over and over I am getting conflicting comments as to the dispute. they know then they do n't know. a provisional credit is suppose to be credited to my account, I have yet to receive it ... direct express has made it difficult if not impossible to bring this dispute to a close. it seems as if they direct express debit mastercard issuer are systematically giving excuse after excuse, my dispute was opened on XXXX XXXX then closed due to lack of information received I followed their instructions sent faxes as of now it is " under investigation '' my dispute with direct express mastercard debit. ive asked the customer service time and time again for the individuals full name as to keep records of conversations their reply is 'I do n't have a last name ... I have been disconnected from the phone line on numerous occasions..i feel that direct express debit card services are doing their best to ignore me in hopes that I will go away ... just read the blogs online about the direct express debit card company contracted by the federal government for monthly benefits. I am getting no where I 'm at a great financial loss and I am frustrated as well as exhausted in communicating with the direct express customer service as well as LEVEL 2 dispute dept ... I feel that they are following direct protocol to put off deny deny in a nutshell I feel they will not credit my account I 'm sure they will find some reason for this. as I have talked to several other individuals in my position and they as well are receiving the same excuses treatment and denials as well ... sounds suspicious to me. this debit card company is well aware of my situation and as of now my last communication with direct express was on XXXX/XXXX/2016 I was told that my dispute is under investigation and that a provisional credit can APPEAR at anytime during the process. I feel direct express debit card services is an underhanded service and they are told as customer service reps to give excuses and deny ... im at a great loss because my XXXX benefits are received on my direct express debit card I have no money and I have had to make great sacrifices in my life not to mention the toll its has taken on my XXXX and health ... please help I 'm desperate.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-28

San Francisco, CA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-27

Taylor, MI

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Port Arthur, TX

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-27

Anaheim, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Oak Grove, MO

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-25

Phoenix, AZ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-25

Bronx, NY

Unauthorized transactions/trans. issues

Prepaid card: General purpose card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-25

Berea, KY

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-24

Houston, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: comerica bank charged abusive fees despite I have direct deposit with them, not only charge the XXXX overdraft but also a XXXX per day you have insufficient funds, plus charged an extra returned tem fee which dont know where it came from a total of XXXX only in fees because of three monthly charges and insufficient funds, what abusive practice of working people like me that live on day by day Budget. : - (
Company Response: Closed with explanation

Disputed: No Timely Response