Report: #1127531

Complaint Review: Direct Express US Government Debit Card by Comerica Bank

  • Submitted: Sat, March 01, 2014
  • Updated: Thu, May 15, 2014
  • Reported By: keith studley — newport Rhode Island
  • Direct Express US Government Debit Card by Comerica Bank
    PO BOX 245988
    San Antonio, Texas

Direct Express Declaring fraudulent transactions Valid without any evidence San Antonio Texas

*Author of original report: Finally Solved

*Author of original report: Currently Under Secondary Review

Show customers why they should trust your business over your competitors...

On November 1st, 2013, I found a transaction that I did not benefit from and did not authorize on my Government pushed prepaid MasterCard, from Direct Express. I found this out at approximately 2am Eastern Time, when I went to the ATM to withdraw my rent money, and some travel money, and the ATM informed me that I had insufficient funds in my account for the withdrawl. So I logged into my account on my cell phone, while still at the ATM, to find out what the balance was, and quickly emptied my account of the remaining funds. I returned home, at this point, about 10 minutes later, and logged into the account online to find that had authorized a transaction for $127.92 at 1:57am Eastern time. I immediately called Direct Express at the phone number on the back of the card, attempting to dispute the transaction. The representative, informed me that I could not dispute the transaction, as it had not settled, yet, that I had to call back when the transaction settled. [continued below]....

..... So, before I hung up with the representative, I asked them to cancel the card, as it had been compromised. This cost me $4.00.

On November 3rd, I checked the account, and found that the transaction to had cleared, so I contacted Direct Express, once again. I was informed that they needed the dispute in writing, on their foms. So they mailed me out a form, which I clearly deliniated, that I did not authorize the transaction, that I still had my card in my possession, and that there had been numerous amounts of Card Skimming at the local grocery store, earlier in 2013, which I had used the card at a few times, and mailed it back in to Direct Express. This was around November 15th or so, that they received the paperwork back.

They issued a decision, on November 15th, the same day that they received the forms, denying the claim, and stating that there was a Transaction from April. 2013, that had occurred, and therefore, I had allegedly agreed to sign up for services with in April, 2013. I immediately requested all copies of evidence that they used to determine this. On December 18th, I received a copy of the evidence, all that was contained in the evidence package was the letter denying the claim, the original dispute form that I had filed, the dispute investigators notes, and a copy of November, 2013's account statement. Nothing showing a transaction from April, 2013, nor that they contacted to obtain any evidence of a contract between myself and, which there wouldn't be anything, anyway.

I immediately sent everything to my LegalShield attorney, for review, by him, and he sent a letter, around December 24th, 2013, to both and Direct Express. He, nor I ever received a response from, however, Direct Express, stood by their decision, in a letter dated February 25th, 2014. By this time, I had received 2 invoices from regarding this fraudulent account.

I contacted on 2/25/2014, via their website's contact us feature, since I do not have an account, I provided the account number on the Invoice, in the email, their response, was to call in, and I received that reply email on 2/28/2014, so I called in. The first representative from that I spoke with was very appologetic, and determined that the account that charged my Direct Express card, was obtained fraudulently, and subsequently closed the account, and told me to attempt a 3 way call with Direct Express, to verify, that had closed the account out as being Fraudulent. So I hung up with him.

I called Direct Express, and got transferred to the Disputes Department. I explained to the representative, that had asked me to initiate a 3 way call, so they can verify with Direct Express that the account that charged the card from was fraudulently opened, so Direct Express can reverse the transaction. Direct Exoress refused to allow me to do the 3way call, telling me that Direct Express determined that the transaction was valid, and therefore nothing could be done, and hung up on me.

So, I contacted, again, spoke with a Supervisor with, and was informed, that they do not issue refunds for fraudulent accounts, because it is the banks responsibility, to reverse the transaction, on a fraudulent account.

So I called Direct Express, again, spoke with another Disputes Department representative, who explained, that I need to file a request for a Secondary Review, and supply any and all evidence that closed the account out as a fraudulent transaction. This will be mailed out via USPS Certified Mail, Return Receipt mail on March 3rd, 2014.

Is this Ripoff Report About you?
Ripoff Report A business' first line of defense on the Internet.
If your business is willing to make a commitment to customer satisfaction Click here now..

Does your business have a bad reputation? Fix it the right way. Corporate Advocacy Program™

Set the record straight: Arbitration Program

SEO Reputation Management at its best!

This report was posted on Ripoff Report on 03/01/2014 10:01 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#1 Author of original report

Finally Solved

AUTHOR: keith studley - ()

Hi everybody. I finally got my money back, after providing evidence of Fraud from to Direct Express. It took me 6 months, though, which is Bull.

Respond to this report!

#2 Author of original report

Currently Under Secondary Review

AUTHOR: keith studley - ()

My Attorney, and myself have gotten Direct Express to send the issue to a "Fair Hearing Officer', with the new evidence. Hopefully, this will be resolved, as the Merchant admits that the account that charged my DIrect Express card, was, in fact, Fraudulent. I will keep everybody posted as to if they change their mind. Thank God for TTY computerized software that allows me to have a transcript of the conversation with the Merchant, otherwise, I would have had no proof.

Respond to this report!
Ripoff Report Recommends
ZipBooks Accounting Software

Advertisers above have met our
strict standards for business conduct.