Comerica

2016-06-07

Denver, CO

Overdraft, savings or rewards features

Prepaid card: Government benefit payment card

Complaint: This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-06

Roseland, FL

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-06

Covington, GA

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-06

Houston, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. Regards, XXXX XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-04

Princeton, KY

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-04

Council, NC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX I was unable to access the funds on my credit card issued by This was n't the first time this has happened to me. Several times I attempted to gain some assistance from the credit card company issuing me the card. On every attempt either the website was not available, or the phone. The phone number listed for Customer Services is a recording and never answered by a human. If it is n't busy the recording invited me to call back later. I was advised by the FDIC to call the bank, Comerica. I did and I spoke with a man who told me that the banks participation is only because the bank provided the plastic for the card even though the bank is listed prominently on the face of the card. The funds, I was told, are not insured. I immediately requested to speak with a supervisor who gave me the number for corporate affairs who she said handled such questions. The question I had was : is the bank affiliated financially with Direct Express. My complaint is my money safe, why ca n't I speak about my concerns, and is there a financial relationship between the card company and the bank? Thanks XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-03

Circleville, OH

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-03

Walnut Creek, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-03

PA

Using a debit or ATM card

Bank account or service: Savings account

Complaint: Direct express debit card company owes me XXXX dollars for breach of agreement for delivering my new MasterCard beyonthe two bussiness days express XXXX starting from issue date XXXX XXXX, 2016.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-01

Rochester, MI

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-01

Montclair, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-31

Malden, MA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Westminster, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-26

Tulsa, OK

Unauthorized transactions/trans. issues

Prepaid card: General purpose card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Fort Worth, TX

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Sebastian, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-24

AL

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

Pico Rivera, CA

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-23

Cathedral City, CA

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Detroit, MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I HAVE NOT RECEIVED MY MOST RECENT BANK STATEMENT IN THE XXXX MAIL. COVERING DATES UP TO MID XXXX 2016.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-23

Saint Petersburg, FL

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-20

Fairburn, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-19

OR

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-18

Brooklyn, NY

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-18

Castle Point, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response