Comerica

2015-11-16

Kingstown, NC

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Tuscaloosa, AL

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-11

Grosse Ile, MI

Fraud or scam

Prepaid card: Government benefit payment card

Complaint: I signed up to have my Social Security check deposited onto the Direct Express card with my first deposit on XXXX XXXX 2015. I had received no card in the mail and on XX/XX/XXXX called them and found out that my information had been used fraudulently. Someone had ordered a card and it was caught shortly after by their fraud dept and cancelled and my account frozen. They never contacted me and admitted that they were at fault for not doing so. I was told I needed to go the Social Security office and file an MOU. I did, and was helped by XXXX XXXX who contacted Direct Express. She spoke with XXXX who agreed to send me a new card via XXXX expedited and that I would n't be charged for the shipping. I was told to call them back later that day and answer the security questions again to remove the freeze. I had already done the questions two times earlier that day and passed but did it again when I got home. I did get the card in two days and was able to pay my bills however, I was charged the shipping. I called back on XXXX XXXX and was told they were requesting a refund. As of today, it was not posted. I called again and was told that they had called me and I answered but hung up therefore they closed the ticket and I would n't receive the refund. That is a lie. If they had called me I would not have hung up. It is possible that a call came through where they were completely silent and I hung up after saying Hello, Hello with no response. I do n't remember that happening in past week but it 's possible. But, why would that cancel my refund for something that was never to be charged in the first place? Preposterous! I asked to speak to a supervisor and she told me I was wasting her time and being argumentative. I asked to speak to someone above her, she said NO. I asked to file an official complaint, she said NO. She was the antithesis of helpful. There are no other avenues for me to file a complaint. I have found out since XX/XX/XXXX, that there are a huge number of people who have had the exact same thing happen. Online, there are XXXX complaints of people having their information stolen, cards requested fraudulently and the maddening response from Direct Express who seem to find glee in treating us terribly. They never gave me a concrete answer if they were going to investigate the criminals who were attempting to steal my identity and money. From the number and similarity of stories of people just like me along with the comments from Social Security that this card has had a massive surge in fraud complaints, I think a thorough investigation of Direct Express needs to be done as there seems to be a high probability of an inside job. I also want a refund of the shipping charges. I also want to know what is being done to find the perpetrators of my fraud. I told them multiple times that the phone number and email address they had on file for me prior to XXXX XXXX belonged to the criminals. I verified my information and passed all security tests several times. This entire situation is beyond a nightmare!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-10

Wakarusa, KS

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-09

Cedar Hill, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Houston, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-04

Los Indios, TX

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-31

AR

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: I receive a monthly social security benefit check of {$740.00} direct deposited to Direct Express. Starting XXXX/XXXX/2015 through XXXX/XXXX/2015 my card that was provided to me through Direct Express, card # XXXX would not work once I put it in an ATM machine. It stated the card was invalid. The last time I used the above card was the first week in XXXX of 2015. I have not used the above card since the first week in XXXX nor have I authorized anyone else to use the above card, nor have I requested a new card between XXXX. A new card was obviously issued through Direct Express without my authorization. I have contacted Direct Express on several occasions and have provided them with notarized statements and affidavits that I did not authorize them to issue a card and have requested them to refund my money that they issued to someone else without my authorization.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-30

Louisville, KY

Fraud or scam

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Arlington, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Colbert, GA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-29

Mem, TN

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-27

Blue Hills, CT

Fraud or scam

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-27

Las Vegas, NV

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-27

San Diego, CA

Transaction issue

Credit card:

Complaint: A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-26

Bonsack, VA

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-26

Hopewell, VA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-26

Seligman, AZ

Managing, opening, or closing account

Prepaid card: Government benefit payment card

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-23

Grosse Ile, MI

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/15, someone created fraudulent checks and went to XXXX different Comerica Bank locations to cash checks from our accounts. In total XXXX checks were cashed on the same day. The bank branch suspected fraud and called us but could not get through to us immediately. We were able to speak to the bank branch that day, instructed the bank that it was fraudulent, to stop cashing those checks and to call the police. The police were able to arrive and arrest one individual while he was trying to cash a fake check. The police noted the other assailants fled the scene. Comerica Bank originally returned all of the stolen money to our account after they had us sign affidavits at their branch. Then on XXXX XXXX, 2015 they informed us they were deducting the entire stolen amount from our remaining balance and we were to be held liable for the fraudulent check cashing. Despite the police report showing the checks were fraudulent, Comerica Bank is still holding us accountable even though we are not the ones in a position to determine whether a check is fraudulent or not nor were we in a position to stop the cashing of the checks. Comerica Bank has a duty to ascertain whether checks are fraudulent before cashing them. In this instance, they already suspected fraud yet still continued to cash the checks. This issuspicious to say the least. So after signing affidavits attesting to fraud, they can collect from their insurance at our expense. By law, we have 60 days to report fraud. We reported it the same day it was occurring and by our own hand stopped more fraud from occurring. Comerica Bank on the other hand, negligently cashed fake checks and perpetuated repeated fraudulent check cashing when they clearly suspected fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-21

Mount Vernon, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-19

Bakersfield, 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

2015-10-18

CA

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: On XXXX/XXXX/2015 as soon as my Social Security XXXX Direct Deposit credited to my card, Direct Express suspended my card. I ca n't transfer my income to another bank, make purchases or view transactions online. On XXXX/XXXX/2015 I wrote Direct Express after viewing my XXXX Statement ( postmarked XXXX, had insufficient postage, and arrived XXXX ). The XXXX Statement showed unauthorized charges and credits which I outlined in detail in my letter. Direct Express did n't respond to my letter. On XXXX/XXXX/2015 my XXXX Statement also had unauthorized charges and credits on it so I wrote Direct Express outlining them in detail, some of these came through my account on XXXX, XXXX, XXXX after my XXXX suspension which is n't fair to me. To date, unauthorized credits minus unauthorized charges total a {$4.00} loss from my account. Direct Express charges me XXXX cents per month for the paper statements which are checked by me for suspicious activity as soon as they arrive. I notify Direct Express as soon as I find anything wrong, in detail. Direct Express is holding 3 months of my income. Social Security advised me to contact Direct Express and so I did. I have followed instructions on my monthly statement. I watch the mail for anything from Direct Express, an Error Resolution Form, a replacement card, but they do n't respond. I have no other source of income. My card has been suspended since XXXX/XXXX/2015.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-16

Spfd, OR

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Dallas, TX

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Tonto Basin, AZ

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response