If you lose your Direct Express Card, or if it’s stolen, call up the Direct Express Customer Service Department immediately and report it.
This will allow the Direct Express customer service representative to block your Express card and help avoid unauthorized charges. You will also be issued a new card but at a fee of $4.
This is where they can be reached.
- Direct Express Customer Service: 1-888-741-1115
- Hearing impaired: 1-866-569-0447
- Direct Express phone number International: 1-765-778-6290 (Collect)
You can also write to US Direct Express at:
“Payment Processing Services
P.O. Box 245998
San Antonio, TX 78224-5995”
Comerica Bank has a multi-lingual Customer Service Department that can provide you assistance in various languages.
Protection USDirectExpress Card Against Theft Or Loss
If you report a lost/stolen card to Comerica Bank timely, you will have limited liability towards unauthorized transactions.
As per Regulation (E) of the Federal Law, you cannot be held liable for more than $50 provided you dispute the transaction (after learning that your Direct Express card has been lost or stolen) within 2 business days.
And if you dispute the transaction within 60 days, your liability is limited to $500. The good news for Direct Express card holders is that the US Treasury Department has negotiated with USDirectExpress and extended the dispute deadline to 90 days.
MasterCard’s Zero Liability Policy
MasterCard has a policy that Comerica Bank cannot hold you accountable for unauthorized charges on your Express card if it’s a US-Issued Debit MasterCard.
You are covered under this policy if:
- You have an account in good standing.
- You did not report more than 2 unauthorized transactions in the past 12 months.
- You safeguarded your card responsibly.
Also, this policy is not applicable on transactions made using PIN; it’s applicable only on signature based transactions. Please visit MasterCard’s website for more on this.