Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: PA

Complaint narrative:
I contacted asking XXXX XXXX dispute department to follow the law which states according to the Fair Credit Billing FCBA act of 1974 which is the primary US federal law that grants consumers the right to dispute credit card billing errors such an unauthorized charges or undelivered goods under this act accompanied by Regulation Z Truth in Lending Act creditors must investigate disputes and the merchant bears the burden of proof to demonstrate that a transaction was valid to successfully challenge a chargeback. 

If XXXX does not submit documentation to prove that each and every separate transactions were legitimate and authorized by me then XXXX XXXX dispute department must approve my dispute because XXXX has not proven that I authorized each and every transaction. 

The charges that I am disputing are XX/XX/XXXX for {$21.00} XX/XX/XXXX or {$21.00} XX/XX/XXXX for {$21.00} XX/XX/XXXX for {$130.00} XX/XX/XXXX XXXX again XX/XX/XXXX for {$61.00} XX/XX/XXXX for {$21.00} a total of {$420.00} I submitted the copy of the contract with XXXX to show in the payments section the only payment listed that had authorization was from my XXXX XXXX account which was a checking account where it says card information on the XXXX has n/a. 
No mention of XXXX XXXX card or XXXX XXXX  card information listed on the contract. 
I also submitted a stop pay by XXXX XXXX in which I had to do in XXXX of XXXX because XXXX we're still submitting unauthorized charges in different amounts to that account after the furniture was returned. I sent that information to show that XXXX was doing unauthorized transactions to all of my accounts. 
I did try to contact the merchant by phone in which I received no help. Then I submitted an online complaint to the merchant advising them that they have no authorization for any of my bank accounts or any of my debit card information to be submitting any transactions and they already know this and the only response that I received from them is that they will stop the draft but they never said we have authorization because they did not have authorization, and they never asked for what accounts are you asking to drafts to be stopped because there should not be no draft because they have no authorization. That is why I said in that email to them you already know this that you do not have authorization and they never responded we do have an authorization on file and this is what you have to do to revoke they just said will stop the drafts because they know they had no authorization I sent all of this information to XXXX XXXX showing them that I never gave XXXX my XXXX XXXX card information. I only swiped my XXXX XXXX card in XXXX of XXXX at the furniture store for the initial XXXX time payment fee of {$25.00} that the store owner said I had to pay with a card in the store. After that the agreement that I signed with XXXX only gave authorization for my XXXX XXXX checking account with no mention of XXXX XXXX at all. 
XXXX XXXX is now saying that because the store where I swipe my card sent the information to XXXX without my knowledge or consent and XXXX had that debit card on file even though they did not put that in the contract, but because in the contract it says any payment information that they have on file that they can use to get payment, XXXX XXXX is saying that that is how those transactions can be considered authorized. But if I did not give XXXX my XXXX XXXX  card information and agree that they can take payments from that card and my contract strictly says XXXX XXXX and that the furniture place sent the XXXX XXXX information over to XXXX without advising me that they would have my XXXX XXXX information on file after swiping the card in the store for the XXXX time payment of {$25.00} so how can that be considered authorized? I never gave constant or permission for my XXXX XXXX card to be used only my XXXX XXXX and if they somehow had that card information on file with XXXX XXXX they can not use it when I never gave them permission or gave them that information for them to even have them have it on file they received it from some other source. And in the contract you can see that the payment was only supposed to be {$130.00} a month coming out of the XXXX XXXX checking account. The transactions in XX/XX/XXXX we're all {$21.00} each on XXXX different dates and the dates in XX/XX/XXXX were XXXX different transactions XXXX on the same date with XXXX different amounts and XXXX on a different date for another amount. So each of those transactions would have had to have an authorization for each of the transaction because those transactions don't even follow the contract that I had that was strictly for my XXXX XXXX account so again it is still unauthorized transactions but XXXX XXXX  refuses to help me and to refund me back my money from the merchant even with all the details I am giving them and with all the information that I am sending them. 
I would like XXXX XXXX to request the money back from the merchant and refund it back to my XXXX XXXX  card and if XXXX feels that I owe them anything then they need to contact me directly to have it resolved but they can not just submit unauthorized transactions because they believe that I owe them something when I do not and they still have to get authorizations to use any of my bank accounts or credit card information. 
And according to the law they would need to prove that they have authorization for each and every transaction from the XXXX XXXX card which the only authorization they had at the signing of the contract was XXXX XXXX until I stopped pay was put in at XXXX XXXX from them doing unauthorized transactions. 
The fact is they never received any authorization to ever use my XXXX XXXX card and I never gave them the information to keep on file so therefore all of those transactions are unauthorized. I also did state that I did call the merchant in XX/XX/XXXX XXXX and spoke to a rep reminder them that I did return the furniture and that there is no money that should be taken out of my XXXX XXXX account but because they kept taking different amounts at different times that I had put a stop pay on and I need them to update their system and their representative XXXX said that she would do that and nothing else would ever taken out of my XXXX XXXX and I never had anything taken out of my XXXX XXXX until XX/XX/XXXX in XX/XX/XXXX. If XXXX had authorization for my XXXX XXXX  card after I stopped the XXXX XXXX and if they felt like I still owe them money why did they wait until the end of XX/XX/XXXX to start charging the XXXX XXXX card when they would have started charging that way back in XXXX. None of their actions are legit and all of their actions have been unauthorized. If you would ask XXXX for anything with my signature or a voice recording of me giving them my XXXX XXXX information and authorizing them for each transaction in XXXX of XXXX and XXXX of XXXX they would not be able to submit that information because I never gave them authorization. Trying to explain this information in writing to XXXX XXXX  dispute department has been very hard and complicated and frustrating. First you have to stay online for XXXX minutes just to get a representative then you get transferred to the dispute department where you spend another about XXXX minutes online to speak to a representative and the only thing that they tell you is what decision was made and if you have any questions or want to appeal you have to go right back to the process of resubmitting information you can never directly talk to a dispute person that are the ones that review your information to clearly explain your dispute. I've had to resubmit information three times and I am still not getting anywhere with XXXX XXXX I would like for XXXX XXXX to reverse the charges on my XXXX XXXX and return the funds to me and if the merchant feels like I owe them anything which they know the furniture was already returned then they could contact me and we could resolve the issue but they are not allowed to just take any payment anytime they want to from any account just because they have some information that I did not directly give them.

Company response to consumer: Closed with monetary relief