2-4-09 FDIC Complaint against MIOCARD, InComm and The BankCorp Bank of Wilmington, Delaware.

Each month the U.S. Treasury deposits my Social Security Disability check into my MIOCARD debit card account through direct deposit.
On 3 February, 2009 this did not occur and when I contacted MIOCARD Customer Service at 866-840-6461, their customer service representatives tried to convince me that the Social Security Administration had "attempted" to make a deposit but it did not go through because the debit card I HAD, that ended in 6745 had expired and that it would take me 2-3 weeks to file another direct deposit request with Social Security.

Their customer service personnel did not know that I am not stupid and that the funds get transferred through routing and bank account numbers, NOT the debit card / Master Card numbers.

After verifying through the SSA that the problem did in fact exist within the InComm/MIOCARD banking system, I called the MIOCARD customer service once again. This time trying to access my account information on the Internet while I spoke with the customer service agent.

NONE of my account information, account history or anything past the last (5) transactions is available to me through the Internet and the MIOCARD customer service agent lamented that SHE couldn't access anything to do with my account history either.

It is evident that the problems lie within incompetant customer service level management at MIOCARD customer service and their online banking system which poses a great danger to ALL account holders and our funds.

THIS issues all need to be deeply investigated and immediate solutions applied to prevent this from happening in the future.
I shutter to think that all of our accounts are being siphoned for illegal purposes and us customers being stonewalled so that InComm and MIOCARD can reap the billions in interest money from collectively stalling our funds from hitting our accounts.

Please feel free to contact me (24/7) either on my cell phone 918-549-8596 or by E-Mail to: [email protected]

Semper Fidelis,
Gregory Romeu

It would be benificial if the FDIC investigate this banking system and issue a harsh warning in regards to the delay of people's social security direct deposits, irregardless wether or not their systems have a "glitch", as this issue is causing me to miss traveling some 250 miles from Tulsa, Oklahoma to the VA Hospital in Dallas Texas to see my medical personnel to address a health issue related to a broken back after being struck and disabled by a tractor-trailer rig and driver.
These types of issues should be readily remedied by funds available with the bank(s) and the problems NOT laid into the hands of the disabled to suffer yet more demise in our lives as we are already suffering enough as it is.

http://fdic.com

https://www2.fdic.gov/starsmail/index.asp

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Complaint Information:

Describe events in the order in which they occurred, including any names, phone numbers, and a full description of the problem with the amount(s) and date(s) of any transaction(s). Do not include personal or confidential information such as your social security, credit card, or bank account numbers. If you need to provide COPIES of any supporting documentation such as contracts, monthly statements, receipts or any correspondence with the bank (do not send original documents), you may mail or fax this information to:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
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877-275-3342
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703-812-1020 (Fax number)

FDIC 6422/04 (10-05)
Last Updated 07/27/2007 [email protected]

Customer Assistance Confirmation

Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).

Your email was received by the FDIC on February 4, 2009. The FDIC's Division of Supervision and Consumer Protection will respond to your complaint or inquiry in accordance with the following schedule:

• If the FDIC does not need to contact an FDIC-supervised bank for information to respond adequately
to your question or concern, you may expect to receive a response from the FDIC within 14 calendar
days.
• If the FDIC needs to contact an FDIC-supervised bank for information, you may expect to receive a
response from the FDIC within 60 calendar days.
The FDIC supervises state-chartered banks that are not members of the Federal Reserve System. Questions or concerns about a financial institution that is not supervised by the FDIC, such as a bank with the words "National" or "Federal" in its name, will be forwarded to the appropriate federal regulatory agency for response. We will also provide you with contact information for that agency.
The FDIC also insures deposits in most banks and savings associations located in the United States. The FDIC protects depositors against the loss of their deposits if an FDIC-insured bank or savings association fails. If your email is related to a deposit insurance question it will be answered by appropriate FDIC staff in accordance with the timelines referenced above.
You may be contacted by the FDIC for additional information if needed to respond fully to your inquiry or complaint.
As part of its supervisory responsibility, the FDIC assists consumers with complaints by informing them of their rights under federal consumer protection laws and by reviewing the bank's actions to assess whether the bank has complied with such laws. The FDIC's authority to act on your behalf is limited to the enforcement of federal banking laws and regulations for banks supervised by the FDIC. The FDIC is not authorized to intervene when the matter involves a factual disagreement with the bank and no clarifying documentation is available, or if the matter is or has been the subject of litigation.
If you have submitted a complaint regarding an FDIC-supervised bank, your complaint may be forwarded to the bank for additional information. It is FDIC policy to fully review the available information after receiving the bank's response. While we conduct our review, you are free to try to resolve this matter by other means available to you. If you have additional questions or information concerning your complaint, you may contact the FDIC at the address provided below.

Federal Deposit Insurance Corporation
Division of Supervision and Consumer Protection
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1-877-ASK-FDIC (1-877-275-3342)

Thank you for bringing this matter to our attention.

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