Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I filed a complaint with the CFPB against Direct Express for fraudulent and unauthorized transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Reference- Complaint I.D. # XXXX The companys response was written by a XXXX XXXX who is vice president of Comerica Banks quality assurance department XXXX And in her response she gives specific reasons for the company 's decision to Not credit my account after they allowed someone to steal {$18000.00} cents out of my Direct Express checking account. This Account received deposits from the Department of Veterans Affairs for compensation benefits that were awarded to me for wounds received while on Active Duty in XXXX. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was released early on XX/XX/XXXX of XXXX. 

XXXX XXXX states that she was informed by a group of employees XXXX I assume are her fraud investigators of my situation and I doubt she did any real investigating into this matter. Because if she Had she wouldn't of referenced certain transactions that I am about to use myself that shows how ignorant XXXX XXXX and her team of fraud investigators truly are. 

She references a transaction that took place on XX/XX/XXXX of XXXX for {$50.00}. On XX/XX/XXXX the transaction was refunded back to the account. She also speaks of a few other transactions as well " XXXX XXXX XXXX or XXXX and XXXX transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Included with this complaint will be a PDF link with my bank statements for the dates listed above in XXXX I am Disputing. The wonderful part about these statements is that they give the date the transaction was made and the locations in XXXX they took place. 
There are 14 bank statements. One for every month that I am disputing. If you look at the dates and locations you will see that I was hundreds of miles away without access to my debit card or any form of electronics. 
The cities that they were made in are as follows XXXX XXXX XXXX XXXX XXXX XXXXXXXX miles from where I was. 
XXXX. XXXX CA, XXXX was XXXX miles from where I was on that date. 
XXXX CA XXXX XXXX was XXXX miles from where I was. 
XXXX Ca XXXX XXXX was XXXX miles from where I was. 
I have irrefutable proof that I was in fact physically incapable of making these purchases. 
XXXX XXXX brought up the XXXX XXXX XXXX transaction that are " inmate related transactions '' and states that I likely benefited from these transactions. So I took the time and went back to my bank statements and highlighted every XXXX  transaction and XXXX  transaction that I allegedly benefited from. There is a total of XXXX transactions that I found that match her description of these transactions. I have totaled these transactions Wich add up to {$790.00} ...... I'm disputing $ XXXX of unauthorized transactions and XXXX XXXX and her fraud investigators denied my Dispute over {$790.00} that I allegedly benefited from? Even if it were true, Wich it's not you could take that off the top and there would still be {$17000.00} worth of stolen funds in Wich I am disputing.

They should be ashamed of themselves for treating a XXXX XXXX  like this. I had my money stolen from me that I was expecting to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead I got out broke after a few stressful years in XXXX  to have more stress added by having to deal with This Dispute process that I keep having denied because they say i benefited from some transactions? If I hear I benefitted one more time I'm gon na explode.!!!!! How the XXXX does a person benefits from having {$18000.00} stolen from them??? Explain to me how I can prove I was XXXX miles away from where the thefts took place and get denied? I have been patient with Direct Express and I honestly didn't think I was gon na be denied again especially after I seen the interim response by XXXX XXXX. With her being the Vice President and such I thought this would make it to the top and would be easily resolved because it's black and white for me. I have irrefutable evidence that I didn't make any of the transactions and I never Authorized any1 to use my direct express Account either. I've tried there dispute process. I tried there dispute escalation process and finally made a complaint with the CFPB. Since the Companys response I have gathering all proof and evidence I can and will be contacting the Attorneys General office with my complaints because this is beyond ridiculous and outrageous. Ty for your time.

Company response to consumer: Closed with explanation