Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I called Direct Express debit cards services to inquire about my balance. I knew right away that something wasn't right. The lady I spoke with and I went over the last 7 days of transactions. In a 7 day period from XX/XX/XXXX - XX/XX/XXXX there were 4 charges that were Defiantly not mine. on XX/XX/XXXX unauthorized cash purchase {$9.00} by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. XX/XX/XXXX cash purchase {$29.00} XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX purchase {$78.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX for a total of XXXX had my debit card canceled and the lady gave me a service report # XXXX and instructions on filing a dispute once I received a hard copy of bank statement for XX/XX/XXXX for my debit card ending in XXXX. I explained to the DX representative that I had not compromised my card in any way. That the charges were obviously fraudulent because at the time they were made I was well on my way to Arkansas that on the day of the first charge XXXX was in New Mexico a XXXX XXXX XXXX from California where all the XXXX charges were made. I gave the representative my Aunts address in Arkansas so she could order me a new card, and since XXXX didn't receive bank statements or had not downloaded the Direct Express mobile app, she would send me a hardcopy to help me fill out the dispute correctly, about 5 days later on XX/XX/XXXX I received a letter saying they had started their investigation for XXXX the claim dated XX/XX/XXXX. in the amount of {$230.00}. Both of these were not accurate. I was given a service report # and was told they have began their investigation that very moment which was on XX/XX/XXXX in the amount of {$160.00} .. see attachment # XXXX while I was waiting for DX to complete their investigation I downloaded the DX app onto my phone, being persuaded by DX representative to due so I was able to go back as far as XXXX and look at bank drafts, and found the same company XXXX and XXXX unfamiliar company XXXX had made unauthorized charges to my account. Totaling {$190.00}. So right away I sent in a revised statement for my dispute with my card ending in XXXX and service report XXXX that was dated XX/XX/XXXX. A few days later I received a letter dated XX/XX/XXXX stating that they determined that transactions in question were not unauthorized and therefore there was no error. they had come to this conclusion due to a history of charges by the same company, that i could request a copy of the documents that they based there findings on. So I did request the documents and a whole new can of worms were opened. I have been fighting these and several more fraudulent charges that were made to my debit card ending in XXXX dating all the way back to XXXXXXXX XXXX XXXX. I called DX asking that they reconsider their decision and reopen their investigation. I was given a new service request # XXXX which made no sense to me because it was an appeal to the same dispute that I had made on XX/XX/XXXX therefore the service report # should remain the same XXXX. I sent in a letter of appeal on XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX that stated per my request they had reopened their investigation of my dispute dated XX/XX/XXXX in the amount of {$160.00} and respectfully deny my dispute. I then received a letter Dated XXXX stating they has started the investigation dated on the same date XX/XX/XXXX in the amount of {$530.00}, and that if their investigation was not complete within 10 days a provisional credit would be issued to my card account. I have no ideal where they came up with that amount.. This claim was also denied and I again appealed disputing ALL Fraudulent charges against me in XXXX of XXXX {$170.00} XX/XX/XXXX {$170.00}. XX/XX/XXXX {$860.00}. XXXX {$49.00}. XXXX {$19.00}. XXXX {$9.00} XXXX {$21.00} and XXXX {$150.00} for a grand total of {$1400.00}. On XX/XX/XXXX| received a letter stating that based on the results of their investigation they have concluded that the transactions on my card ending in XXXX were UNAUTHORIZED!! but credit me for {$9.00} issued on XX/XX/XXXX will remain on my account permanently. And that their investigation is now closed. Therefore knowing that the disputes i made on all the UNAUTHORIZED charges to my account ending in XXXX were in fact fraudulent, they refuse to credit my account the monies stolen from me totaling {$1400.00}

Company response to consumer: Closed with monetary relief