Consumer complaint received 2025-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX is holding me responsible for a transaction that I dont make. 

It was stated that access to the account during the dispute period appeared to have been made by an authorized user. I would like to provide clarification regarding this matter. 
Fact : I was never present at the location where the transaction occurred, which was approximately XXXX hours away from XXXX XXXX, XXXX. At the time of the transaction, I was at the XXXX in XXXX at a store called XXXX XXXX purchasing XXXX that cost XXXX, a completely different location. The receipt I submitted clearly shows that I was at XXXX XXXX in XXXX, not at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , where the {$1600.00} purchase was made. Upon noticing the fraudulent charge, I immediately contacted XXXX XXXX multiple times within hours on the same day of the fraudulent charge to report the unauthorized transaction and requested that it be stopped. I called so frequently that the XXXX XXXX agent eventually stopped answering my calls. 
Furthermore, your findings indicate that the merchant in question was authorized to debit the card. However, I did not provide prior authorization to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to charge my debit card. I do not know who these people are, nor did I set foot in their store or conduct any sort of business with them. You will not find a signed receipt, no contract, and no video footage showing me at their location, further confirming that I was not involved in this fraudulent transaction. 
Your findings suggest that the transactions were authorized using information and authentications known only to the cardholder, with no signs of compromise. However, I never gave consent for XXXX XXXX, located far from my position at Port XXXX , to use my debit card information. I have no prior dealings with this merchant XXXX XXXX, and have never made any similar transactions with them or any other merchant of this nature. Additionally, I have never made a single transaction exceeding {$600.00} on this card. Given that I was on a cruise in XXXX with ample food provided by the cruise line, it is illogical that I would have purchased {$1600.00} worth of food. 
Given these facts, I respectfully request that XXXX XXXX re-evaluate this matter and issue a refund. The charge was clearly unauthorized, and XXXX XXXX should hold the merchant responsible for those funds. As I understand it, when a consumer disputes a charge, a chargeback process is triggered, and the merchant must either accept or dispute the chargeback. I am confused as to why this process has not been initiated in my case. 
This situation has caused significant stress and sleepless nights, worsening my XXXX, and I am seeking a fair and just resolution. I strongly believe that XXXX XXXX should have protected me in this situations by stopping the transactions after I begged the XXXX XXXX to do so. To ensure better consumer protection in the future, I am also reaching out to XXXX XXXX, Chairman, President, and CEO of Comerica Bank, as I believe policies must be adjusted, particularly to protect veterans who rely heavily on debit cards like XXXX XXXX. I believe that this tragedy has given me a new mission in life. 
I respectfully requested that XXXX XXXX initiate a chargeback to resolve this issue. I assure you that I did not make these charges. I was at a XXXX store in the Port of XXXX, and NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX hours away from the port XXXX, making it physically impossible for me to be in two locations at once.

Company response to consumer: Closed with monetary relief