Consumer complaint received 2024-11-26 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: NV

Complaint narrative:
I filed a claim with Direct Express on XX/XX/year>, because I noticed unauthorized charges on my statement. Direct Express asked me to provide receipts of those unauthorized charges from the merchant. The merchant did not provide receipts for any of those charges. I have asked the merchants for the receipts and they have refused to give them to me and threatened to call the police if I did not leave their establishment. Just like when I filed 2 separate police reports here in XXXX, XXXX, and the police refused to provide me with a copy of the reports. 

Below is a copy of two letters I sent to Direct Express detailing the unauthorized charges, Service Request Number at Direct Express # XXXX : On XX/XX/year>, XXXX XXXX XXXX and XXXX charged my card {$100.00} which is one of the {$98.00} charges after the Direct Express fee I am disputing. I authorized that charge because the owner asked if he could borrow money and I answered and said what we could do is, I can not loan you money, but what I can do is, you can charge my debit card {$100.00}, resulting in a {$100.00}. credit at the restaurant on XX/XX/year>. I was helping the restaurant out because it is slated for closure because the owner, XXXX, owes vendors over {$16000.00}. US dollars of debt. The agreement I made with him, when I have eaten and drank {$100.00}. worth at the restaurant over a few days, the {$100.00}. credit will serve to pay the bill. As you notice in the text message correspondence I sent to the claims department, with an itemized bill, the bill just happened to be a little over {$100.00}. US dollars, {$100.00} to be exact, how convenient. This bill has been fabricated, because when I spoke with the waitress and asked how much of the {$100.00}. credit have I used, she responded, not much, maybe {$25.00} or {$30.00}. dollars when I departed from the restaurant, still XX/XX/year>, arounXXXX XXXX XXXX Later in the same day, around XXXX XXXX, I had a date with a young lady at XXXX, the same bar/restaurant and we had XXXXXXXX XXXX, which a XXXX  is called a XXXXXXXX XXXX XXXXXXXX. At that point, after we finished our beers, I asked for the bill. The owner, XXXX, took over XXXX minutes to bring me the bill. When he gave me the bill, it was for {$100.00}. which he totally fabricated. He even itemized I had had a XXXX XXXX, which is XXXX XXXX XXXXXXXX. I had not eaten at that restaurant, or any of the other establishments in over 3 months. I have bought 2, maybe 3 meals for other people, but that had been months ago. On the bill, the owner itemized that I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) over XXXX XXXX XXXX Although I bought a couple of people XXXX, and I had XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX are completely fabricated. I dispute the {$100.00}. because the owner fabricated the bill which should have been around {$40.00}. to {$50.00}. Also, in the same exact text correspondence I sent you, you will see that he charged my debit card {$50.00}. On XX/XX/year>, which he gave me XXXX XXXX as change which is equivalent to {$50.00} US dollars, and you can see that he said he had given me XXXX XXXX in the text message image with the fabricated bill. I am not disputing that {$50.00}. authorized charge. However, at the same time, he charged my card an additional {$27.00}. which was unauthorized, and I had no idea about. That {$27.00}. charge alerted me to look at other charges that might be unauthorized, because my balance was very low and I had no idea why it was so low at the time. In the same text message, the owner, XXXX, said I owed {$27.00}. on the fabricated bill that was {$100.00}. Well, as you read further in the text image, I told him I had no bill, it had been paid when I he had given me that {$100.00}. credit, and then I told him I was reporting him to the bank for committing fraud and not to text me again. He said that he now owed me {$22.00}. As you can see in his final text to me. Which, in my mind, is conclusive evidence that he fraudulently charged the card {$27.00}. In attempts to get me to pay a fabricated bill twice. Well, after being alerted by the {$27.00}, I found that on XX/XX/year>, the same day I had the {$100.00}. credit, he had charged my card addition amounts without my authorization and knowledge, as follows : {$160.00}, {$57.00}, {$48.00}, {$36.00} ( {$98.00}. the authorized credit ). This restaurant owner needs to be prosecuted and incarcerated for fraud, forgery, and thievery As far as XXXX XXXX, as I stated in my other dispute letter, all these owners know one another and have conspired against me to rob and steal from me. In my mind, they must be signing the debit card receipt for me, because most of the times they tell me I do not need to sign the receipt. I did not realize why I did not need to sign the receipt, but I most certainly realize why they did not want me to sign the receipt so that I would not see the fraudulent charges and thievery they were committing against me. As you can see most these charges happened on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX {$65.00}, {$100.00}, {$65.00} ( XX/XX/year> ) {$90.00}, {$51.00} ( XX/XX/year> ). Between XXXX XXXX and XXXX, they charged my card a total of {$640.00}. just on XX/XX/year>, where I spent maybe a total of about 4 hours in both bars. You can refer to my other dispute letter so that the investigator can see the other fraudulent charges from XXXXXXXX XXXX XXXXXXXX XXXX, which there is another {$100.00}. charge/ XXXX after Direct Express fees. How amazing these restaurants just happened to have a bill for me exactly {$100.00}. 
As far as XXXX XXXX XXXX XXXX is concerned, I authorized either one of the {$190.00} or XXXX charges. 
As far as the XXXX Police department, you will read in the XXXXXXXX XXXX correspondences that I have sent as images to the claims department ; I have visited the police station here in XXXX, XXXX numerous times and have asked for the two police reports I have filed concerning this matter. The head police officer has refused to give me a copy of either report, however, he has scheduled me for another appointment tomorrow, Friday XX/XX/year> at XXXX, which will have passed by time you receive this correspondence. The head officer said that he would investigate and do his verification last week when he had scheduled me for an appointment on this past Tuesday, at XXXX XXXX XXXXXX/XX/year>, which the head officer, XXXX XXXX, if I am not mistaking, did not show up for the meeting on Tuesday. Lastly, I will attempt to retrieve those police reports one final time. I have also filed an incident report with the United States Embassy in XXXX, XXXX, which I have sent as a correspondence to the claims department as well. 
Thank you for your time in this matter. 
Sincerely, XXXX XXXX XXXX is the other letter I sent to Direct Express as well as XXXX XXXX XXXX Police Chef and their Fraud Application : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Direct Express Attn : Billing Inquiries XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of {$27.00} ( XX/XX/year> ), {$160.00}, {$57.00}, {$48.00}, {$36.00} {$98.00} ( XX/XX/year> ) {$84.00} {$53.00} ( XX/XX/year> ) charges related to XXXX XXXX XXXX and Restaurant. On to the next, {$90.00}, {$51.00} ( XX/XX/year> ), {$65.00}, {$100.00}, {$65.00} ( XX/XX/year> ) charges related to XXXX XXXX. Moving on to the next, {$190.00} ( XX/XX/year> ) {$190.00} ( XX/XX/year> ) charges related to XXXX XXXX XXXX XXXX, one charge of {$190.00}. is valid. Moving on to the next, {$98.00}, {$52.00} ( XX/XX/year> ), {$110.00} ( XX/XX/year> ) charges related to XXXX XXXX XXXXXXXX XXXX. -- - to my debit card account on dates encapsulated in parenthesis. The charges are in error because I have visited these restaurants and gas stations by myself as a XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which cost around {$3.00} dollars each, for other people, and I will enjoy XXXX XXXX XXXX XXXX XXXX at most, which cost around {$7.00}. I have eaten XXXX XXXX XXXXince I have frequented theses places over a XXXX span, never ordered food except XXXX other time for XXXX other people over a XXXX span, all separate occasions. These are not XXXXXXXX XXXX, they are mediocre or XXXX XXXX XXXX XXXX XXXX, where drinks and food are cheap for the locals. As far as cash advance, the gas stations are charging my card twice and not giving me money. I am being over charged and, as you will notice, my debit card is being charged multiple times on the same exact dates. XXXX XXXX, is a dive bar that is slated for closure, because the owner, XXXX, owes {$16000.00}. dollars in debt to vendors, who has charged my card 5 times on XX/XX/year>, where I arrived at XXXX XXXXXXXX XXXX XXXX XXXX where my direct deposit has just cleared, and he was aware that I am a Veteran and receive compensation on the first of each month. All these restaurants are located within walking distance of each other, and I have been told that they over charge me and steal from my debit card to pay their bills. Everyone of these owners know each other and have told one another I was told by a third-party source who is XXXX, and from XXXX you should charge him two and three times ; he is a XXXX  who thinks he can blend in with us. He is our meal ticket. I am not sure if these restaurants have cloned my card, but it seems when I ask if I need to sign the receipt, a lot of the times the answer has been no at these places, however, I have signed some receipts without knowing I had been overcharged. So, in a lot of cases, I am not aware they are charging my card multiple times until I notice my statement days later, wondering why my balance is so low. I also know that these places are doctoring receipts, adding items to the itemize list of goods that I have not ordered, which they rarely give to me. I am also not sure if they are forging my signature on debit card receipts. 
I am requesting that the error be corrected, and these restaurants be investigated for fraud, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX : Attn : Police Department in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation