Consumer complaint received 2018-10-31
Company: Comerica
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
*Went to XXXX XXXX ( convenience store near my house ) on XX/XX/18 on XXXX XXXX , XXXX , MN XXXX, and made a purchase of {$7.00} at XXXX. Either dropped or left my XXXX XXXX debit card there without realizing it *XX/XX/18 at around XXXX XXXX, while at home, checked walled and could not find XXXX XXXX debit card, checked car, jacket pockets, etc. *On XX/XX/18 at about XXXX XXXX  I called XXXX XXXX-the last place I used the XXXX XXXX card and asked if I had left it there or if anyone turned it in-I was told it was not there-it was not in the safe. *At XXXX XXXX on XX/XX/18, I checked online and found two charges I did not make. Both were done on XX/XX/18 at XXXX, an IVR Money transfer ( for {$840.00} ) and the charge for the transfer ( {$1.00} ) to XXXX XXXX, XXXX. I dont know who XXXX XXXX is and I did not make these charges as I did not have the card at this time. *Called XXXX XXXX at about XXXX XXXX on XX/XX/18 and reported my card lost/stolen. Explained about the money transfer charge and that I did not do it, dont know who XXXX XXXX is. The person at XXXX XXXX was very unpleasant and kept asking if I was sure I didnt do it, and that the pin number for my account had been changed right before this transaction. I told it wasnt me, I didnt change the pin number or do this transaction as I did not have my card/it was lost or stolen. The card was cancelled, and I was given a number XXXX XXXX and told XXXX XXXX   would not investigate anything until they received back the paperwork they would mail out to me and I should have by XX/XX/18. *At about XXXX XXXX  on XX/XX/18 I called the XXXX XXXX Police and reported my XXXX XXXX card missing or stolen and that fraudulent charges to XXXX XXXX had been made using my card. I was given the Police Report # XXXX. *XX/XX/18 around XXXX XXXX   physically went into XXXX XXXX and asked if my card had been found/turned in. I was told by an employee there that they did not have it-it was not in their safe. *XX/XX/18-Called XXXX XXXX when did not get paperwork-they were nasty about it and said I should get it on XX/XX/18. *XX/XX/18-did not get paperwork from XXXX XXXX on either XX/XX/18 or XX/XX/18. Physically went into XXXX XXXX and again asked about my XXXX XXXX card-again told they did not have it-it was not in the safe. *XX/XX/18-Still no paperwork from XXXX XXXX . *XX/XX/18 I was in XXXX XXXX getting ready to make a purchase when a store employee came up to me, out of the blue, and asked me if I was XXXX..she said she had my XXXX XXXX card that I left there on XX/XX/18. I was surprised and confused and asked how this could be as I called once and physically came in two other times asking about this card. She could not give me a plausible explanation-saying that maybe they couldnt read my name on the card-I then told her I always described the cad as a green XXXX XXXX debit cardshe did not give me an answer. She gave me my missing card without asking for any IDit was very bizarre. Later that evening I emailed this information, the entire bizarre situation to Officer XXXX XXXX with the XXXX XXXX Police and as of XX/XX/18 I know he went to this XXXX XXXX to investigate this. *Finally got the paperwork I needed to fill out for XXXX XXXX before they would even investigate the situation. Filled it out and mailed it Certified Mail Return Receipt on XX/XX/18. I received the Return Receipt card showing it was delivered on XX/XX/18. *I received an email from Officer XXXX on XX/XX/18 telling me that he had no information or update for me-that XXXX Express would not be responding to the subpoena until XX/XX/18. I dont know if that means they will be mailing it out to him or how he will be getting the information. I did email Officer XXXX again on XX/XX/18 but have not heard anything back from him. *Tried calling XXXX XXXX again in XX/XX/18, was told there was no information or update, reminded they have 30 to 90 days to investigate and decide if they will reimburse my stolen money. *I have tried calling the Minnesota Attorney General and several attorneys-I keep being told they can not help me I need to call XXXX XXXX who either cant/wont help me or they just disconnect me. I am late on my XX/XX/2018 Mortgage payment, my son let me borrow his checking account to pay other bills and through some confusion and lack of funds on my part due to the stolen money I ended up with {$140.00} in overdraft fees on his account. *I have received no paperwork from XXXX XXXX about the theft of my money from my account. *I do not have a copy of the Police Report as the investigation is on-going and has been delayed waiting on XXXX XXXX to respond to the subpoena sent by the police.

Company response to consumer: Closed with monetary relief