Consumer complaint received 2025-10-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WA

Complaint narrative:
As I have been unable to find representation. This leaves me few options to attempt to as its often called, restore my life to the degree of my home and belongings. I have been changed by this humiliating experience. I have already reached out to you, how ever the XXXX XXXX XXXX suggested I try again. Thank you XXXX XXXX Plaintiff : XXXX XXXX VS Defendant Comerica/Direct Deposit Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am representing myself as a Pro Se Litigant in these proceedings. I was the victim of a very harmful beach of duty regarding Identity theft, Government sanctioned nsocial security debit cars program. Multiple administrative errors, through the investigation and accusations and unnecessary delays in a resolution. Because of this the Plaintiff suffered devastating financial loss. 



Defendant : Comerica Bank a Finacial intuition Head Quartered in XXXX, XXXX  Contracted to administrate the XXXX XXXX Program. This debit card service program is contracted to Comerica Bank and affiliate XXXX XXXX to disburse and process all debit card activities. On behalf of the Social Security Administration servicing the benefits of millions of recipients throughout the nation. 

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Complaint : This Case if about errors. Simple oversights hat caused a cascade of financial issues. These issues that created and resulted in the loss of Plaintiffs Home, vehicle as well all the possessions that he had owned. Plaintiff was victimized by a identity thief, accessing my account that the defendant was obligated to maintain security protecting the plaintiff 's identification information. Federal Statutes mandate the review several data points in order to resolve this crime. As so many of the actions routinely done in federal statutes the records and statements. An error regarding a request for a card replacement, having lost a card reported this and arranged a replacement I did this in XXXX of XXXX. Monthly statements conitued untill discovered in XX/XX/XXXX. As I used online, daily, This account and the documents appeared as though the account was still active, apparently not closed at the time of the breech. 



Upon denied access to the customer online portal an immediate call to inquire about the problem. In the talk with the customer service agent, she attempted to verify my verification n. She did not have any personal data and recognizing my frustration, she asked about an address in XXXX  XXXX When I maintained, I am the holder of this account She told me what was on file, XXXX XXXX XXXX XXXX Realizing my identity was altered by a thief. With in seconds, I was transferred to the XXXX department for a simple interrogation. 



The gentleman asked several questions ; I was cooperative as this needed to be resolved asHe asked if I knew where the people are, I was told this information about two minutes ago I explained this yet the record simple yes in this form next question if i had a card and again explain, yes my current card and again he notated yes ignoring the explanation .. Knowing my innocence naively assumed the result would revile this and XXXX XXXX would soon realize and resolve the theft. I was wrong all the regulated protocols had been missed had a proper investigation was performed properly these issues would never have happened. 







Cause of Action Implied Contract : Letter dated XX/XX/XXXX Stating that a deposit of SSDI monthly benefit was to be deposited into plaintiffs XXXX XXXX Debit Card account. t Following letter was followed on XX/XX/XXXX, XXXX Statute : as the plaintiff ongoing monthly established services and obligation since XXXX. 

A. XXXX  State Statute : RCW 62A.2-208, Exhibit A-Document XXXX 2. Following letter was dated XX/XX/XXXX, denying previous service, denial and accusations of plaintiff 's authorization and involvement in the identification theft. 

A. Exhibit B- Document XXXX XXXX. Failure to offer provisional credit as stipulated by federal statutes. T this assistance would have stopped all the eventual losses incurred by the plaintiff. 

A. Electronic Funds Transfer Act ( ETFA ) : 1005.11 ( c ) ( 2 ) F 4. Failure to cancel a Debit Card previously reported lost or stolen lost or stolen card by the plaintiff. XX/XX/XXXX, monthly statement indicates expedited replacement card. This being the current card used at to plaintiff A. Exhibit D Negligent Periodic Statement 5. Failure to honor mandated time frame of EFTA XX/XX/XXXX. Consisting of the following statutes. Eventual Investigation was concluded by my experence i own thorough submission of undisputed evidence of plaintiff 's innocence alleged crimes. Claim initiated on XX/XX/XXXX final reimbursed on XXXX A. EFTA Statute : Exhibit C Resoluti Tentative Civil Litigation Case on Time Frame 6. ents included as evidence EFTA Statutes : 1005.6 ( b ) ( 2 ) Exhibit D Periodic Monthly Statement Cancelled Account Multiple documentation errors creating confusion Exhibit G-Documents : Claim XXXX XXXX, date of origins XXXX Actual {$1900.00} Actual XXXX XXXX reported XXXX and XXXX {$3900.00} XXXX Claim XXXX XXXXXXXX : : XXXX XXXX XXXX amount {$3900.00} Actual XXXX XXXX XXXX amount {$1900.00}. t 7. Failure to supply mandated periodic or monthly statement of current account activi ties as per the current and past card in possession and use. Monthly statements continued to arrive in plaintiffs ' email in box. These monthly statements indicated no activity in the account prior reported lost or stolen assuming expected immediate deletion. 

A. EFTA Statute : 1005,9 ( a ) ( b ) 8. into origins and accesses to theft and withdraw procedures, not undertaken with in FTC regulated protocols. Ignoring multiple issues on the statements of the Imposter vidence.

A. EFTA Statutes : 1005.6 ( b ) ( 2 ), Exhibit F 9. Investigation into origins and accesses to theft and withdraw procedures, not undertaken with in FTC regulated protocols. ignoring multiple issues that would normally be of major concern. Submitting statements i and funds monthly withdrawal. Statements of imposters A Exhibit E : Several Documents indicating adverse investigative evidence.

EFTA Statutes : 1005.6 ( b ) ( 2 ), Exhibit F

Company response to consumer: Closed with explanation