Consumer complaint received 2022-06-23
Company: Comerica
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX dept. 
XXXX XXXX, TX XXXX Re : XXXX # XXXX Stolen Card Number : XXXX XXXX XXXX XXXX Reported XX/XX/2022, by phone to XXXX XXXX XXXX XXXX up letter to XXXX XXXX by certified mail XX/XX/2022 XXXX Police report received XX/XX/2022, sent to court certified Translator XXXX XXXX XXXX documents arrived in XXXX XX/XX/2022 Direct Exp. fraud documents returned by certified mail to Texas XX/XX/2022 XXXX Documents XXXX pages received @ XXXX XXXX. XX/XX/2022 XXXX XXXX. denial letter dated XX/XX/2022 arrives in XXXX XX/XX/2022 Dear Sirs, Your letter dated XX/XX/2022 arrived in XXXX XX/XX/2022 declining my request to refund {$10000.00} usd that were fraudulently charged on my debit card while I was hospitalized for a period of 6 days in XXXX. 

At this time I would like to Appeal the Decision, by law I am entitled to ask for an explanation and to appeal the decision. 

My appeal is based on the following : XXXX. First it would have been impossible for you to have reviewed my XXXX pages of documents that I return to you by Certified mail on XX/XX/2022 after receiving your package 3 days earlier on XX/XX/2022. Your letter of Denial is dated XX/XX/2022. 

2. Your decision is said to be based on A : Authorized user as I have stated in my previous documentation this simply would have been impossible for me to have been in all theses different locations and cities while I was hospitalized during the entire time the fraudulent purchases were being made. Proof of my Hospitalization and care starting XX/XX/2022, XXXX am until my released on XX/XX/2022 XXXX pm was submitted within the XXXX pages of documents.. 

3. Your decision is said to be based on B : Pre-Authorized users In my 3 years of card use NO ONE has ever been Pre-Authorized by phone or in writing to make purchases on my card and a review by yourself of past purchases would have shown this to be a fact. 

4. Your decision is said to be based on C : Transactions were Authorized using my information : Again in my response given in XXXX pages of documents I clearly stated that my vacation home was burglarized, that I was assaulted, beaten and left for dead and that I may have revealed my PIN or other data while being beaten into submission and unconsciousness. 

5. Your decision is said to be based on D : Review of prior transactions with this or similar merchants and in some instances, communication with the merchant Once again a review of my entire time of ownership of my card, 3 years, that not once was a previous transaction with any of the merchants listed in my claims shown to have ever occurred contrary to your claim. 

6. It's quite evident that any algorithm that is used by your company to predict credit card fraud detection failed in this period of charges. Clearly your company should have noted that large above normal purchases in the $ XXXX of usd were being made within minutes if not seconds of repeated use, or that large transactions were being made in different cities throughout XXXX some on even the same day and again within minutes of each other. There absolutely shouldnt be any excuses of your companies inability to detect such actions. Again simply impossible for me to have made any of these purchases given my hospitalization. Additionally, my Phone records would show that I myself have never previously contacted anyone person, store or organization in any city that many of these purchases were made. 

7. Given a review of the timeline listed above it would appear obvious to any outsider that your denial of my claim is not honestly based on any of the above, nor any research on your behalf, but is instead clearly a policy of blanket rejections of all claims as a company policy. 

My claim is for {$10000.00} usd. I never made these charges or received any benefit from them. I hereby demand that you immediately return ALL of my {$10000.00} usd. I also request that you send me written confirmation once you have complied with this request From the your web site : XXXX If my card is lost or stolen, is my money protected? 

Yes, tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at the Customer Service number is the best way of keeping your possible losses down. You could lose all the money in your Card Account. If you tell us within two Business Day, you can lose no more than {$50.00} if someone used your Card or PIN without your permission. If you do NOT tell us within two ( 2 ) Business Days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as {$500.00}. 


Respectfully, XXXX de XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, CO XXXX CC : Consumer Financial Protection Bureau CC : XXXX. 
CC : XXXX XXXX Colorado XXXX.

Company response to consumer: Closed with monetary relief