Comerica

2016-05-18

Philmont, NM

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Washington, DC

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-17

Grosse Ile, MI

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

La Pine, OR

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-16

Gilmore, MO

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Escondido, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-16

Medina, NY

Fraud or scam

Prepaid card: Government benefit payment card

Complaint: Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-05-13

Auburn Hills, MI

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

NM

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

General Delivery, DC

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2016 I contacted my bank to inform them of a double charge on my card and I know that the Federal requirement that says the bank must provide a refund if the investigation takes longer than 10 has come and gone. I have yet recieved my refund.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-11

Panorama City, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-11

Hemet, CA

Fraud or scam

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-10

Midland, MI

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-04

Cimarron, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Encino, CA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Mdn, MS

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Harmonyville, VT

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Westfield Ctr, OH

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

Sylvester, GA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-03

Taylor, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-01

Orion Twp, MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Sunday, XXXX XXXX, XXXX To Whom It May Concern : My Name is XXXX XXXX. I live in XXXX XXXX, XXXX. In XX/XX/XXXX, I took out a home equity account in my name only. I have been told by loan officers that the loan was n't even legal. I n XXXX you must have the wife and the husband sign the loan. Comerica never had my husband sign the paperwork. I took a {$40000.00} loan form Comerica ; the account # is XXXX and since the inception of the loan I have been making the monthly payments. In XXXX, I noticed that my statements were no longer being delivered to my home. Furthermore, when I went to make payments in person at that time I inquired about the loan balance with one of the bank tellers helping process my loan payment. I was told by the teller that they were not able to pull up my loan information on their screens. When I finally was able see my loan information at the bank-you 'll recall that for some reason I was not receiving the statements by mail-I discovered that my loan balance was now more the {$65000.00}. I then informed the bank that I wanted the account to closed because there was unauthorized activity on the account. I asked for copies of the transactions on the loan to understand how/where the money was used but I never received any such documents from Comerica. I have repeatedly requested such info-including checks written on the loan- yet to no avail. XX/XX/XXXX, I went to the Comerica branch in XXXX, XXXX and a bank associate named XXXX XXXX tried to assist me by sending fax to Comerica headquarters asking for the account closure papers. Again, no documentation was forthcoming. In XXXX of that same year, I returned to the XXXX XXXX XXXX branch and, after speaking with the branch manager, I was informed thy would put a freeze on the account and do an investigation. I was not given any further information at that time other than that the account number had been changed to XXXX and was showing it was opened in XXXX XXXX. After my countless attempts to get to the bottom of the problem, I hired a lawyer, XXXX XXXX of XXXX XXXX, to assist me in my attempts to fix the situation. I was still making payment on this account, but my lawyer advised I should stop making payments to get the attention of the bank. In XX/XX/XXXX, XXXX XXXX from Comerica Quality Control ( XXXX ) said she would be assisting me and that my non payments would not result in my home going into foreclosure. Yet XX/XX/XXXX I receive notice that the bank was foreclosing and that my house would be sold at auction by the county sheriff. I was devastated and confused as to why I was about to lose my home because of fraudulent activity I was not responsible for on my loan account. I also filed a report with the local county sheriff 's office regarding XXXX unauthorized checks that were written against the account. My efforts have spanned nearly 6 years and the costs associated with trying to resolve this matter have been in the thousands of dollars yet I am still paying on a fraudulent account activity that led to my loan balance increasing. I was on XXXX during part of this time which, in turn, lowered my overall income. Given my limited income, I had a certain portion of my monies earmarked for regular living expense which had to be diverted to service the loan debt. I need relief from this burden which has taken more than just an economic toll on me. I do n't know what else I need to do to enlist your assistance other than to say : Please Help! If there is anything you need from me to help bring this to a conclusion, please instruct me. I will do whatever is necessary.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-29

Kasson, WV

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

MN

Unauthorized transactions/trans. issues

Prepaid card: Government benefit payment card

Complaint: My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Grosse Ile, MI

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-22

Colfax, IN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response