Comerica Bank

This is their loss and since the CC division likely exemplifies their level of service, I will never do business with Comerica for any financial products ever again. Their loss is also another bank's gain, because I'll have little trouble getting as good or better a deal elsewhere. But if they realized that in the first place, they would not have done this.

The third one was extremely rude. She didn't let me finish my sentences and kept screaming at me. I told her I had entered the correct information but she kept repeating that I must enter the correct 3-digit code in the back! When I told her that I also tried to send money to another person's bank account using the Routing number and Bank account number, she kept telling me I had entered incorrect information, which I did not! I have been transferring money for many years with other banks and never had such issues. Why can't they find errors on their side?

In the end, that rude lady hung up on me! The fourth person, his name was Alex, was not helpful at all, so I asked for a supervisor who finally tried to help me with my issue. Even though the issue has not been removed and I still cannot transfer money, I believe that the rest of the customer service team should at least try to assist me with my issue instead of keeping telling me what to do! The customer service team that your bank hire is not well trained at all! Please do additional training before paying them to serve your customers, otherwise they will run away from you.

Four days later, I received troubling news from Charles Schwab that the check had been flagged as "suspicious or fictitious" and would not be paid out. After a very long and drawn out investigation between PNC and Charles Schwab, a representative at Schwab informed me that the reason why PNC denied payment (and why the Fed had flagged the check) is because there had been another bank within which the funds had been deposited. I immediately knew that it was Comerica. I then called my hometown Comerica branch in Northville and spoke with one of the managers named Rita. Rita informed me that the money in question was deposited successfully but was being held for twelve days due to the check also being flagged as suspicious. I asked her if it was going to be denied as well and she told me that if it would've been denied deposit, it would've already been denied before the hold was placed.

Again, another Comerica employee misinforming me as the money was removed from my account on the penultimate day of the hold. At that point, the money was "nowhere". Schwab, on their end, told me that they had never even been paid out from PNC so it was impossible to have the money. They issued a letter stating this. PNC claimed that they had paid Comerica, did not have any of the funds, and they too issued a letter with this information. I then pleaded to the Comerica complaint line to help me solve this terrible situation to which I received patronizing rudeness, obfuscation, and a general shifting of blame to the other banks. Not once. Not twice. But three times from three different reps. Finally, a Comerica rep claimed that on October 11th, they had returned money that had indeed been paid out from PNC because PNC informed them it had already been paid out elsewhere.

It was, in one rep's words, "out of their hands at that point." One final communication with a Comerica rep even provided the baffling advice that I needed to get an official letter from a PNC vice president that they didn't have the adjustment! I then sought assistance from Charlene and JJ from the Pleasant Ridge, Michigan branch. Charlene sent me on a wild goose chase to find a legal copy of the check from Charles Schwab. What good this would have done is beyond my comprehension. JJ, the manager of the branch and someone who has worked with my father for years (also a longtime Comerica customer through his dental practice), never returned my phone calls asking for her help in the matter. I finally asked Rita from the Northville branch if she would be willing to draft a letter with evidence that the money had been adjusted and returned to PNC; she told me she'd work on it but I never heard back from her.

Meanwhile, the only person truly on my side was not any rep from Comerica but rather a godsend of a woman named Andrea from PNC. I must emphasize that I am not a PNC customer and she should've had no obligation to help me. Regardless of this, she promised she would resolve this incident as she could understand it created extreme distress for me. She investigated for almost two weeks this incident, even staying on the phone with me as I spoke to a recalcitrant Comerica rep explaining that the money was not at Comerica and that she didn't have any way to track it.

All of this finally came to a resolution after Andrea called me last week to inform me that her adjustments department had been in communication with Comerica and they did, in fact, have my money all along. Indeed, they never returned it in the first place. All of the blaming, all of the rudeness, all of the pointless tasks they issued me, all amounting to this bitterly ironic outcome. I hope you can now understand why this incident is horrifying. Not only is it possible to get completely false information from countless employees that should know better, it is possible that one's own bank can be so unwilling to help its own customers resolve an issue they caused themselves.

I went into the Detroit Warren and Evergreen office where the asset manager Annalise was rude and would not give me the customer complaint number. I waited 2 years for this back payment from SSDI because of a severe back injury. I had not worked in over 2 years and I had acquired some serious debt and was behind on bills. This bank has caused me serious stress by holding my funds. I will tell anyone who listens about my experience, and warn them against banking with Comerica.

The ABSOLUTE WORST customer service I have ever encountered! I do, however, thank Comerica for one thing - they inspired me to find a bank that really does WORK WITH small businesses. In the entire time I was with Comerica they offered NO OFFERS or INCENTIVES towards my small business. Their marketing strategy is to bring in small businesses by telling them they are all about small businesses. My new bank is ABOUT small businesses - Comerica is about understaffed, under managed and wayyy behind the market in general technology. Comerica makes you PAY TO SEE YOUR ACCOUNT ONLINE - $6.95/month!!! I was on a paperless plan and they had to do ABSOLUTELY nothing to give me information about my bank account. They still charged (watch the small print with these thieves) me to look at my bank account online.

The incident began on September 30th when I was provided a cashier check in the amount of $3,100.00 from a sub-letter for my New York apartment. The check was issued at PNC, the subletter's bank, and I immediately attempted to deposit the check through Comerica's web banking application on my phone. After attempting the deposit, I noticed there was a “pending” status on the transaction which lead me to call customer service. I spoke to a young woman who told me that the check would be rejected as it was higher than the $2,500.00 limit. When I asked her if it would be alright to deposit the check at a different brick-and-mortar bank on the 2nd of October (that Monday), she told me it would be fine to do so as the check would be denied deposit by Comerica anyways.

On the 2nd, I went to a Charles Schwab bank branch and deposited the check without any immediate issues. Four days later, I received troubling news from Charles Schwab that the check had been flagged as “suspicious or fictitious” and would not be paid out. After a very long and drawn out investigation between PNC and Charles Schwab, a representative at Schwab informed me that the reason why PNC denied payment (and why the Fed had flagged the check) is because there had been another bank within which the funds had been deposited. I immediately knew that it was Comerica.

I then called my hometown Comerica branch in Northville and spoke with one of the managers named Rita. Rita informed me that the money in question was deposited successfully but was being held for twelve days due to the check also being flagged as suspicious. I asked her if it was going to be denied as well and she told me that if it would've been denied deposit, it would've already been denied before the hold was placed. Again, another Comerica employee misinforming me as the money was removed from my account on the penultimate day of the hold. At that point, the money was “nowhere”.

Schwab, on their end, told me that they had never even been paid out from PNC so it was impossible to have the money. They issued a letter stating this. PNC claimed that they had paid Comerica, did not have any of the funds, and they too issued a letter with this information. I then pleaded to the Comerica complaint line to help me solve this terrible situation to which I received patronizing rudeness, obfuscation, and a general shifting of blame to the other banks. Not once. Not twice. But three times from three different reps.

Finally, a Comerica rep claimed that on October 11th, they had returned money that had indeed been paid out from PNC because PNC informed them it had already been paid out elsewhere. It was, in one rep's words, “out of their hands at that point.” One final communication with a Comerica rep even provided the baffling advice that I needed to get an official letter from a PNC vice president that they didn't have the adjustment!

I then sought assistance from Charlene and JJ from the Pleasant Ridge, Michigan branch. Charlene sent me on a wild goose chase to find a legal copy of the check from Charles Schwab. What good this would have done is beyond my comprehension. JJ, the manager of the branch and someone who has worked with my father for years (also a longtime Comerica customer through his dental practice), never returned my phone calls asking for her help in the matter. I finally asked Rita from the Northville branch if she would be willing to draft a letter with evidence that the money had been adjusted and returned to PNC; she told me she'd work on it but I never heard back from her.

Meanwhile, the only person truly on my side was not any rep from Comerica but rather a godsend of a woman named Andrea from PNC. I must emphasize that I am not a PNC customer and she should've had no obligation to help me. Regardless of this, she promised she would resolve this incident as she could understand it created extreme distress for me. She investigated for almost two weeks this incident, even staying on the phone with me as I spoke to a recalcitrant Comerica rep explaining that the money was not at Comerica and that she didn't have any way to track it.

All of this finally came to a resolution after Andrea called me last week to inform me that her adjustments department had been in communication with Comerica and they did, in fact, have my money all along. Indeed, they never returned it in the first place. All of the blaming, all of the rudeness, all of the pointless tasks they issued me, all amounting to this bitterly ironic outcome.

I hope you can now understand why this incident is horrifying. Not only is it possible to get completely false information from countless employees that should know better, it is possible that one's own bank can be so unwilling to help its own customers resolve an issue they caused themselves. If I had not had someone like Andrea the Godsend on my side, my own bank would have held my money within their own voluminous, labyrinthine accounts due to their willful ignorance and laziness to investigate.

These are the reasons why I have decided to close my accounts with your bank. I have also informed my entire family of this incident, much to their own dismay. My extended family, many entrepreneurs like myself, have banked with your business for years. They are now considering the same action as I. In a world where there are thousands of options to bank, there is simply no excuse to settle for the kind of service I have received over the last month from Comerica.

This letter should serve as an example that there are serious, fundamental problems with your business: Your mobile banking app has a workaround or bug allowing amounts over $2,500 to be tentatively deposited rather than to be immediately rejected. Customer service representatives are ill-informed, rude, and unwilling to help their own customers with complex issues.

Branch managers do not follow through with tasks they promise they will complete. There is faulty communication between different departments so as to inform lower level employees necessary information to solve said complex issues. Mr. Farmer, Babb, Duprey, and the rest of the senior leadership at Comerica, I hope you find my letter to be helpful. If you feel as though you need more clarification of the events of the last month, you may contact me.

My wife and I are planning to do an add-on to our home in preparation for our second baby arriving. We also have a three-year-old daughter. We live in Southern California and own our home. We have impeccable credit and have never been late on a mortgage payment, in fact we often pay more than the monthly amount. We applied for a HELOC through Comerica, and at first, all was great. We did our interview over the phone, then provided all the requested documents (taxes, paystubs, mortgage info etc) within a day, and a week or so later received a letter from Comerica stating that we were offered a $280,000 line of revolving credit. We only needed 90K.

They had initially told us they would do a formal appraisal on our home, but we figured since we already knew our home was now worth over $800,000 and we only still owe $400,000 on our loan, that they knew this was a slam dunk for them because the equity in our home was so much astronomically more than the loan we were asking for, and so they just offered us more "just in case". That's fine. All good. So we called back in and verbally accepted the offer over the phone and all was well. Another week went by, and we figured we should call in just to be sure all was still well and moving along. We were told all was moving along great, but that "Brian **" was waiting for our proof of home insurance. We were never informed that was needed or we would have sent it, but that's fine, we would just send the statement showing proof and continue moving along.

So we asked for Brian **'s contact information which we were given a phone number and email. We figured Brian ** must be the underwriter (he is based in Comerica's Michigan location). So the second we got off the phone we scanned our Home Insurance information into a PDF and emailed it to Brian. Several days went by with no response. So my wife called and left Brian ** a message on his personal business phone line nicely saying we've sent our insurance info that was needed and could he please call us back to confirm it was received. Another week goes by with no response. So I email him again asking to please respond so I know our insurance statement was received. Another 5 days goes by with no response.

So we go to our local Comerica branch and speak with a very nice woman named Melody who offered to contact Brian herself, which she did later that afternoon, and called us back to tell us our offered loan was only $30,000, not $280,000. This is what Brian told her. We kinda laughed at what had to be a mistake (perhaps he was looking at the wrong application?), and informed her that our letter from Comerica stated $280,000 and emailed her the letter. She said "Oh, let me call him again". Which she did. She calls us back and says Brian ** still states the loan is for $30,000. I ask her to have Brian call me so we can discuss what is happening. She does request him to call me. Several days, no call from Brian **.

So we call into the Comerica Loan customer service line again, they pull up our application number, they tell us our loan is still good for $280,000 but that Brian Weaver is waiting on... WAIT FOR IT... our HOME INSURANCE POLICY. At this point even though I'm a very nice guy, I was starting to get ** off. I informed them I had sent him this information over 2 weeks ago and have the email to prove it. I even confirmed his email address was correct with them. They said they would have him call me. Surprise, surprise, several days go by, no call from Brian. So I call his personal line AGAIN and leave a message, this time admittedly a bit less 'kind', and asked him to please call me back. Didn't call me back. So I call Melody at our local office again and she says "I'm so sorry I've never seen this happen before" (She is a very nice gal but not very high up the totem pole I imagine so there's only so much she can personally do).

But she says she will contact him yet again, which she does. Again, he never calls us. So she asks me to please put everything in writing in an email to send to her so that she could forward it to Brian ** (because obviously he was getting emails), and so I essentially bullet-pointed everything contained here in this review, attached the home insurance PDF again, and asked to speak with him regarding this miscommunication about why we were offered $280,000 in a letter, had it confirmed by multiple calls in to the Comerica loan customer service line, but that he's still telling Melody it's only for $30,000, and why does our application still show he is waiting for our proof of home insurance when we sent it to him weeks ago, and most importantly, WHY CAN'T HE CALL AND TALK TO US FOR FIVE SECONDS TO STRAIGHTEN THIS OUT. So she forwards him the email. All he writes back is "It is $30,000".

This poor woman kept profusely apologizing to us saying she doesn't know why he is saying $30,000 and why he won't call us. Mind you Comerica hadn't done an in-home appraisal for us which they said they would, which again would show our home was worth well over $800,000. We ask her if he has even looked at our home insurance statement. She says she doesn't know. We say "You do realize there is a $250,000 difference in what EVERYONE ELSE at Comerica is telling us and what Brian Weaver is telling you." She says yes and keeps apologizing. So we call one last time to Comerica loan customer service, and they tell us the same thing again. $280,000. Brian ** needs our home insurance. At this point I tell them "No, what Brian Weaver needs is the metaphorical red ticket in his locker telling him he's fired."

So now, after waiting WEEKS waiting on this imbecile, he never did call or email us, and we can no longer wait on Comerica to get their act together with him. We even asked for another underwriter, to which we were informed that Brian ** is NOT the underwriter. He is just the PREPARER for the actual underwriter! ** believable, folks. I couldn't make this Comedy of Errors up if I tried. We wasted so much valuable time on this company. I don't know if it's indicative of the company as a whole, or just indicative of one man that needs to be demoted back down to the mail room, but Brian **? Wherever you are? This is my **. You are the absolute epitome of everything that should NOT be involved in any kind of customer service.

And the thing is, referrals and word of mouth go a long way. One of our closest longtime friends is the #2 real estate agent in Southern California. My wife and I are middle class folks. But his clients are the high-end heavy hitters that would be invaluable assets to your clientele. And instead of what should have been a relatively simple process that we could have highly recommended your company to him on, we now have told him this story. So not only are we going elsewhere for our humble loan, those other high-roller clients of his will now go elsewhere as well. Fire Brian **. Seriously. I'm a nice guy and a hardworker and all about helping people. But for lack of a more sophisticated phrase, he SUCKS. I mean really, REALLY sucks. Now I'm going to go have a drink on the porch and try to forget this whole nightmare ever happened. Cheers.

It took me a couple months of going to different Comericas until this problem was fixed. I also went through the same thing with being able to access my savings through my online web banking. Now I'm going through an issue about someone depositing a check into this closed bank account and the customer service people are telling me to speak to the people at the bank and the bank is telling me to call customer service. All they do is pass the blame and do not take care of customers needs. I would never recommend anyone to bank with them and I am going to make sure I tell everyone interested in banking with someone to NEVER bank with Comerica.

However, what Comerica does, is once the vendors submit my payments for deduction, regardless of the time frame and/or order for which they were actually paid, Comerica leaves all charges made over a 24-48 hour period as "Pending Charges" and then regardless of the order they were actually made, Comerica will automatically deduct "all pending charges" starting with the largest charge first, and then withdraw the smaller charges last. By doing this, instead of having just the one-or-two overdraft fees @ $37.00 a pop as planned and paying $74.00 in OD Fees,... I end up paying several OD Fees instead, @ a whopping (as with the last scenario) $259.00!

Oh, I simply can't forget to mention a time last month when an auto arrangement deduction that I had made nearly a month earlier with my light company had put my account (THIRTY-SEVEN-CENTS) over budget,... for which I instantly went and made a deposit to cover that $0.37 overdraft,...Comerica Bank STILL charged me the $37.00 fee on a dang thirty-seven cent overdraft, which didn't even last 24 hours before a deposit was made! In my opinion, Comerica Bank is just greedy and they thrive on taking the poor man's money every chance they get... in the name of "Comerica Policy"!

On Feb 17, 2017 I call Comerica to check on the status of my claim in which time I was told that my claim had been denied. I asked the rep why and he replied just wait for the letter that will be sent to you in the next few days. I then replied "no I need to speak to a supervisor now," after a few minutes a woman got on the phone to state that my claim was denied because I still had my card in my possession, and I admitted that the last 4 or 5 transaction I made and my card was used after as well. I was currently at the police station filing a fraud claim when she stated this information.

I also spoke with card services to have my limited changed but was told I needed to go into a bank to have that done, so since I am no longer in the state of California I opted to deactivate my pin so no withdrawals can be made from this card. As I went over the letter that was sent to me I noticed misinformation to my original statement as I only stated that the ATM withdrawals and inquiries from the US Bank were fraudulent not the transaction from the ATM machine on Feb 3, 2017 as transaction was made by me in the Remedy Restaurant ATM by my work.

I then went on online to Comerica website to make a complaint and was told to call their Quality Process Department. At when time I spoke to Mark **. He also stated that my claim was denied because I still had my card and that my card was comprised because I gave my card and the pin to someone, and if I wanted my money back go find them. I asked for detailed day and time of these transaction and he stated I need to go to the police and seek recovery with them. Mr. ** was harsh, brash and very rude stating that there was no way that this could be fraud because their cards and system would have detected any invalid pin attempts and it was impossible for anyone to get my pin number unless I gave it to them.

Ms. ** called me on 2/24/17 and we played phone tag for a few days. We spoke on Feb 28, 2017. Which again I stated as a loyal customer of 10 years, Mr. ** spoke to me as if I was the criminal and not a victim. These kind of transaction has never been on my account as withdrawing $200 increments until my account was empty and overdrawn and the unusual activity of 5 inquiries before the money was taken is unusual activities and I also pointed out that I was never given dates and times because my bank statement put these inquiries on 2/6/17 but the actual transaction were on 2/5/17 and the bank never sought pics from the ATM camera in which the funds were taken.

I questioned the times of the transactions and Ms. ** stated that my last transaction and the ATM withdraws were 30 minutes apart. I then asked her what about those inquiries of $2 each on my statement before as they are between the transactions that I made and Ms. ** stated she would go back to the investigator and get back to me. To date as of 3/7/17 I have heard nothing from Ms. **.

This has been a nightmare and I do not believe that I should have to suffer this lost as this bank is federally insured and I trusted my money to this bank that obvious does not have the security to stop cyber attacked and security breaches to their system. I also believe that once I complained about their service and security system online I was then treated like the criminal instead of the victim. The harsh disrespectful tone and treatment by the Quality Processing Department (Mark **) was rude and very unprofessional. The fact that Comerica's banking system cards can be hacked while the customer still has their bank card and get your pin.

You would think that would be their top concern asking me where I last used my card to withdraw funds so some kind of security measures can be taken. But no because they won't give me back your money so it's not cost to them. The customer is just collateral damage and the cost of fixing this widespread problem is not cost effective enough for them to care. For Mr. ** to stated this could only happen if I had given my card and pin to someone is ridiculous and this same situation has happen to many people across the country so please stop with these alternative truths aka falsehoods and lies because we as consumers will not and should not allow these financial institutions to continue to let these cyber criminals take our money and not have it refunded back to us. And they still have to send me any detailed information on exact times and dates of these withdrawals.

I didn't make any transaction after I used my card at Wal-Mart. But my statement shows inquiry transaction even before I used my card and the sequence is not in order from when they started using my card. When I asked this I still haven't gotten a response. As I stated the this is not telling me when my card was actually used as the transactions on my bank statement does not reflect the actual dates of the transactions. I have filed a complaint with the Federal Reserve of National Banks and contacted a lawyer. I guess my next step is the news.

This company is as dirty and criminal as they come. They made an agreement with the US Treasury and Social Security Office to safeguard your personal information and financial information; but Comerica Bank is robbing senior citizens and disabled people blind of their Social Security Benefits. The FBI, CIA, President Trump, Congress are doing nothing but letting Comerica Bank aka US DIRECT Express rob Americans blind of our social security benefits that we paid into when we were able to work.

After going back and forth with no progress, Clarence turned around to leave out the bank in desperation. As he was leaving, he saw one of his coworkers, and asked the coworker if he was also coming into the bank to cash his payroll check. His coworker said yes. Clarence informed his coworker that he had been told there was no money in the Company's account. The coworker is surprised as this is a big company. Meanwhile, the branch manager and teller both see Clarence speaking to his coworker and they appear to know the coworker. So they wave the coworker over to them. The coworker leaves Clarence and goes to the teller and branch manager.

The coworker is then serviced, his payroll check written on the same account from the same company as Clarence's is processed. Then after the coworker is serviced, Clarence is told that his check can also be cashed, not given a reason as to what has changed. Clarence payroll check is cashed. Can you guess what color Clarence is and what color his coworker is? Clarence is ** and his coworker is **. Do you think Clarence was racially discriminated against? We are not free from racial discrimination unless we ALL are free from racial discrimination!

The next time was when my mom sent me a check to keep my electricity on and I found out that it's impossible to deposit anything, only the government's checks can be deposited via direct express. NOW just last month I noticed that once my account hits approximately $1.00 whatever "change" I had left disappears!! That small amount of money may not matter to most people but to me and probably countless others it DOES matter. I've tried twice to go with any other bank, but because of Comerica's accounting, even to get away from Comerica also takes THERE months. The first two banks I went to refused to even work with accounts from Comerica. Stated by the bank managers (I'm gonna quote as close as possible). "Our bank will not work with Comerica, not because it's a disability account but because of the way they do business."

Considering how many people are on disability these days, I can't help but wonder if they are ripping off every person of at least a dollar every month how much money they are getting under the table AND whose pocket our money is going into. Attempting to call Comerica or Direct Express is a joke in itself!! If it were possible to rate my experience with Comerica Back and Direct Express a negative zero, I would still wish for a lower rating. My opinion is that someone needs to look into this but as normal. Anything to do with the government or any banks you might as well give up before you start. Save your breath for something or someone that actually cares.

If it were possible to use emoticons (memes I guess they're called now) I would fill up the rest of the allowed character count of 50,000 with the one that looks like a pile of feces. Maybe if one day everyone that's had problems with the so-called "bank" Comerica and Direct Express either called or texted something...ANY THING would be done to stop people on disability or social security from getting ripped off monthly. Anybody have any ideas?