Date Received: 2018-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.
Company Response:
State: CA
Zip: 90222
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX XXXX $ {$990.00} ( police report made, person arrested and charged ) XXXX XXXX wouldn't and didn't refund my money ... This was my whole check ... Reason. Didn't have enough evidence.. I had nothing ... This whole month. I tried repeatedly reopening dispute. To be denied ... I sent in police report ... They didn't lifted a finger to look into it ... XX/XX/XXXX ATM withdrawal {$500.00} XXXX XXXX card no money dispenced,,, XX/XX/XXXX disputed,, paperwork sent in,, them won't even give profelice credit. XX/XX/XXXX {$990.00} DISAPPEARED. I disputed didn't have XXXX.. I'm tied I live on my check ... I'm on XXXX.. XXXX XXXX XXXX XXXX,, XXXX XXXX issues,, and XXXX survivor,, I'm in a chair,, I've contacted XXXX XXXX on all these,, to customer service it takes hours to get thru to, if you do,, and level two even harder your lucky if you do,, no number r address to these investigators. My x has made it inpossable for me to even get a regular bank account, direct XXXX is a nightmare,, and my money keeps going,, I'm crying still on twice I lost my whole check I had nothing,, but I did the questionnaire they sent me and even went and talked to vendors,, I need help,, please. XXXX XXXX {$500.00} no cash dispenced ATM withdrawal I'm presently in dispute with XXXX XXXX .. someone HELP,, IM LOST TO KNOWLEDGE OF WHAT TO DO.. WHY DOESN'T SOCIAL SECURITY, ,I KNOWING THEY ARE IN KNOWLEDGE OF PEOPLE LOSING WITH XXXX XXXX/COMERICA BANK ISN'T HELPING US,, WHY ARE THEY KEEPING THIS COMPANY,, WHO KEEPS ON TAKING FROM US?
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: The transaction was done over the phone. I had a total of {$3600.00} ( estimated ) and within just hours of 2 deposits my account was hit by this phone number and made an authorized money transfer. My card provider ( XXXX XXXX ) was contacted by me about this and they could only give me a phone number ... XXXX. I made an attempt to verify the company name but there was a message telling me that information to this number is not available and will require a court order to access. That right away set me off and I am now very interested in take full control of this person ( s ) accounts and all assets with company and private. This has put me at a very inconvenient problems. I have been through this once before and this time I am playing for keeps. Any information you can provide as this a Federal crime ( I am a VET ) and I am Federally protected. Would request your help in obtaining any information. Thank you very much in advance. XXXX XXXX
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!
Company Response:
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I own a business and had an account with Comerica Bank for about a year. in XX/XX/XXXX I recived a certified letter from " XXXX XXXX XXXX '' from Comerica that on XX/XX/XXXX that my account will be closed and if I dont go in the bank and close it, he will. He did not provide any information as to why, and when I called them they said its their decision and they have decided to terminate our relationship. I own an ATM company, and on a monthly basis we write about 250 checks to pay our vendors. They issued this letter to us right after we had mailed out our vendor checks. We did our best calling our vendors to tell them to cash their checks as soon as they can to avoid checks being returned. On XX/XX/XXXX, I went into my local branch " Comerica Bank XXXX XXXX XXXX XXXX, Ca XXXX and spoke with the manager XXXX XXXX and closed my account. I made sure the account was at a XXXX balance. Couple of months later I get a letter from XXXX about being reported to them for unpaid fees. I called XXXX and I was told that Comerica reported my business to them for some fees that had posted to my account after when it was closed. The total of the fees was {$520.00}. I researched this and found out that Comerica had tacked on overdraft fees from the time after when I closed my account per their request. I called Comerica to dispute this but they did not want to cooperate with me. By being reported to XXXX I can not open any new accounts with any other banks. I have tried and they say my business names needs to be removed before a new account can be opened. On XX/XX/XXXX I then called XXXX and just paid the {$520.00}. Although I do not believe I should pay for it, I still did just to be done with this. So the issue now is that although I paid in full the fees XXXX is telling me they can not remove my business their systme, and the removal request has to come from Comerica. So I then called Comerica and told them I need to be removed from XXXX as I paid them their {$520.00}. After being transferred to many different people and departments, I got a hold of someone in " Corporate Quality Process Department '' XXXX and I was told that yes our account shows paid in full, however they will not remove me from XXXX. I am writing because I need help from being a victim of bad practice by Comerica Bank. Not only I paid the {$520.00} for which I dont believe I should have, now my business is reported to XXXX which is a negative mark and not allowing us to work with any other banks. My company has been in business since XX/XX/XXXX and we have never had any issues. I need help in getting my business removed from XXXX, and also I would like a refund for my {$520.00}. My business name is " XXXX XXXX XXXX '' and my XXXX is " ATMs Unlimited '' Address is XXXX XXXX XXXX XXXX, Ca XXXX. I am the owner of the business and my name is XXXX XXXX and my phone number is XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hello I'm the payee for my daughter who receives SSI to Direct Express every month on the debt card. On XX/XX/XXXX at XXXX an amount of {$810.00} was places on my card as soon as the money hit XXXX was transferred from my account to XXXX XXXX in NV and my card was canceled with no explanation. I live in CA and have no transportation to even travel that far let alone cancel my card that isnt expired till XXXX. Direct express says I made the authorization, lost my card or gave it to someone but a new card will be sent with the remaining balance of {$8.00}. I still have my card never lost it or gave my information over the phone or to anyone. I please need help the funds are to help pay rent and provide for my household. When I try calling the phone hangs up and no resolution. I did file fraud but I feel I need more gelp in my corner its completely obvious this was a fraud situation from doing research online XXXX XXXX does this to the CX and nothing gets done. Please please for the CX can you stop the employees from doing this to other SS recipients
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2018-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recently opened an a checking and savings account with Comerica bank after not having been a customer for several years. They did not tell me at that time that there was a prior balance from my old account of {$220.00}. They did encourage me to apply for a secured credit card ( CD ) to help build my credit score so the next week, I went back in and applied for it with the required minimum security deposit of {$300.00}. The bank told me it could take 7-10 business days to make a decision. Comerica made its decision in 2-3 days and denied me the credit due to income to debt ratio and said my deposit would be refunded. I waited a few days for the refund but when it did not come, I called the bank. I was told it could take 10 days to refund and they would either refund my XXXX XXXX checking account or send me a paper check in the mail. I waited a few more days and still no deposit or check. I emailed the bank manager and she responded that I had owed the {$220.00} and it had been deducted from that deposit amount and the remainder sent to my Comerica savings account. At no point during this whole time did they ever once tell me I had a past due balance or that they would be deducting that amount from deposit. they also never asked me if I wanted any amount returned to the account from which it had been taken ( XXXX XXXX ) or to my Comerica account. I was completely blindsided by this and it feels very sneaky and unethical to not disclose a previous debt then encourage me to make that security deposit. They have never even explained to me what the debt was for. As far as I knew, I had paid that debt years ago when I closed the account. I believe they tricked me into making that security deposit in order to secure funds for that debt. I had the money to pay the debt but they never asked me about and I had to go to great lengths to even get a straight answer from them about this. If they allowed me to open the account knowing I had an unpaid debt only to secure those funds then this is highly fraudulent and unethical. I was trying to rebuild my credit but now I have another mark against my credit for the hard inquiry for the secured credit card.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A