When you set up your prepaid debit card account for your government benefits, you entered into a binding agreement with the card issuer, Comerica. You may be able to recover additional sums, depending on your claim. If you have a contract with someone and they fail to live up to its terms, a court can order them to pay you enough money to put you in the position you would be in if they did keep their promise. Consideration - something bargained for and received by the person who made the offer (the promisor) from the person who accepted it (the promisee).Acceptance - objective assent to the terms of an offer. ![]() Offer - A promise to do or refrain from doing something in exchange for something else.A contract is an exchange of promises that the law recognizes as binding and for which it provides a remedy in court. You may be able to sue Comerica and Conduent to recover your lost benefits under a couple of different legal theories. Although you complain to customer service, they politely inform you that their decision is final. You won't be able to get by if you don't get your benefits back. You cannot afford to lose any amount, much less thirty grand. Even though you have never been to Bermuda, they determine that no fraud occurred and refuse to reimburse you for your loss. They cancel your card and conduct an investigation. Somehow, someone in Bermuda manages to get your card number. You're frugal, so you accumulate, let's say, thirty thousand dollars or so. You get your benefits deposited into your prepaid account each month. Imagine this scenario: suppose you are retired and receive social security. If someone gets your account information, they can steal your benefits from your prepaid account. A creditor cannot garnish an account it cannot find. Unlike bank accounts or credit union accounts, however, prepaid account information is not reported to credit bureaus. Generally speaking, many federal benefits such as Social Security can only be garnished for back child support and government debts. They also provide some protection against garnishment from debt collectors. With a prepaid account, you cannot spend what you don't have. Prepaid accounts are a convenient way to manage your money without having to open an account at a bank or a credit union. You can use your card like a credit card at ATMs and retail stores, as well as store money in your account like a checking account. You can get a MasterCard for your Direct Express account through Comerica, which Conduent Business Services operates. You can use them with your government benefits, such as Social Security, Supplemental Security Income (SSI), and veteran's benefits, through Direct Express, a direct-deposit option. Prepaid accounts are among the fastest-growing consumer financial products in the United States. Using Prepaid Debit Cards for Your Federal Benefits You may be able to get a free consultation from a good lawyer who can give you legal advice about what your rights are. ![]() If you are struggling to get reimbursed for money stolen from your account, you may benefit from talking to a consumer protection attorney. You have to follow the procedures laid out in the company's terms and conditions, including properly and timely notifying them of any fraudulent transactions, but as long as you do, you may have claims for breach of contract and violation of a federal statute. Yes, if you are the victim of fraud, you may be able to sue your prepaid debit card company if they fail to reimburse you for the money you are out.
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