Comerica Bank

Government Offices don't help - in fact occ #** promised to get documents from now closed Independent Mortgage Review - which actually exposes Fraud. But, I knew the promise by the Comptroller of Currency - as soon as they received my complaint - they told me days later in a letter dated April 18, 2019 that now they have no jurisdiction as of 3 days ago and referred it to CFPB - same as the Bank of America scam dated January 25, 2018 # **. That one was never resolved either by the Consumer Financial Protection Bureau. That one was resolved by Senator Ron Johnson's office in 2018 - That office no longer helps with bank fraud. They now just ignore " nobodies" like me and don't bother to even respond anymore.

Original Review: It's funny that I contact the FEDERAL RESERVE, help with my bank, senators office, OCC and the Texas Department of Banking to complain about Seterus Mortgage attempting to foreclosure my house when I'm 3 mortgage payments AHEAD, deposit MY funds in someone else's account, and fail to pay my property taxes on time - and then months later they are SHUT DOWN - and I complain about WORSE things from COMERICA TRUST - and all I get is the run around and nothing happens?

I read millions of complaints about this Trust bank - nothing happens? I recently sent in a complaint about Comerica Trust in MN on MARCH 14, 2019 at 3:25 pm - to the FEDERAL RESERVE - they forward it to the OCC - that forwards it to the Texas Department of Banking - but instead of holding COMERICA TRUST accountable in 2009 - NOW - I get a note from a DAVID ** of the TDB - telling me basically to move on they don't handle it now either. I write again asking to have anyone OTHER than this representative to address my complain - but he answers again anyway? Whats up with that? How do they get away with not being held accountable for anything?

I run a business, and there was no way I could listen to this nonsense for 61 minutes, so I contacted the branch location, they said they would charge me 8 dollars for every invoice I needed. I asked if they could help me get a password for my account online so I could print them out myself. I was given the IT phone number. I called them, again, same ridiculous message and waited on the phone for 30 minutes, with no "real" person answering.

This seems like a scam. If Comerica refused to allow its business customers to set up an account online (there is no set up online), and refuses to allow them to speak with a real person - or even an automated recording that understands anything, and then I have to pay hundreds to get my account statements for the last two years? I'm out. Chase has much better customer service, and they just mailed me my statements for free after a 5 minute phone call. They didn't make me listen to a conglomeration of ostensibly well thought out advertisements in order to waste my day either. Next time Comerica, act like you care, don't have an automated recording talk about it.

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.