If Comerica Bank closes your card for no reason, you have no recourse but to sit tight and wait until a new one arrives in mail. You are allowed only ONE free card replacement and will be charged a fee for the subsequent replacements. Multiply the $$ fee by a vast number of users = a nice boost to the bank's revenue.
According to the text I had to listen to while being on hold calling a local SSA office, there are 50 million SSA recipients. Even if you assume that may be 50% of them are smarter than using this card, this still leaves us with roughly 25 million. Now, multiply 25 million by $4 = $100 million bucks of incoming dough to the bank, for virtually doing nothing.
Their rather vague explanation for closing your card is "compromised". Yea right. This can be done at the time you need it most, such as the end of the month, when your rent is about due. You are likely facing an eviction for the non-payment of rent while you're sitting tight and waiting for the new card to arrive within hopefully ten days or so.
The US Direct Express website doesn't have a way for you to change or even look up your personal info. The Cardholder button will bring you to a place where you can change your password and security question and nothing else. So if they have an incorrect or an old address, you're on your own.
I've found out that my card was closed while doing grocery shopping. Everyone standing in line must've been thinking that I don't pay my bills when the cashier announced 'Denied'. Very embarrassing. There was nothing wrong with my card; it had enough of a balance to cover my grocery purchase. Now I am forced to use my credit cards and rack up some bills. You know how much interest the credit cards charge, right?
FYI: if they close your card, immediately start complaining to the Texas BBB, and nowhere else. This produces almost instant results, the bank starts calling YOU, and even asks if they're calling at a wrong time, imagine that!! Of course, they'd tell you that they call each and every SSA recipient prior to the card closing. They must have lost my number then. Oh and they will EXPEDITE my new card to my new address within 2 days for free (while charging everyone else for it; I believe $13.50). Amazing what opening your mouth will do. Open yours!!
BOTTOM LINE: Pack your bags, cancel the darn card and open an account at the PNC bank. You can have a debit card in this place just the same. This one offers a traditional bank account where you'd have access to your money either with a debit card or without. They offer a standard checking without a minimum balance requirements if you are over 62. Good luck!!… show more