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Complaints

This profile includes complaints for Comerica Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 120 total complaints in the last 3 years.
    • 43 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/14/2023

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      You debited my account $2064.70 without announcement & without my authorization, causing my $15 debit to ********** to incur a $34 fee.Secretly debiting my account $2064.70 that I did not authorize, to cause my balance to go negative, to cause my already pending debits to incur a $34 overdraft fee is unethical and I demand a refund of this fee. Please advise. This is not a request. This is a demand for a refund of a $34 fee that Comerica caused by debiting my account without authorization on February 27 for ********** for $2064.70. You gave no notice or heads up so that I could arrange the funds. I made debits at fast food restaurants & those were pending when you debited $2064.70 without notice, without authorization, on Feb 27. It is absolutley insane for Comerica to charge me an overdraft fee that you blatantly caused.I demand to appeal & be refunded on this fee. Do not reply to call an 800 number. I've done so & they said to message my complaint. Comerica is the worst bank ever if you do not give one time courtesy credits or refunds when it is your fault.On the message center, ****** responded with:"We regret to inform you that the $34.00 overdraft fee is unable to be reversed. Comerica issued a provisional credit in the amount totaling $3,613.60. Even though the provisional credit was issued, the merchant credited back to you $2,064.70. Since the merchant credited back $2,064.70, Comerica reversed the provisional credit for this same amount to prevent double payment for this amount. We apologize for any inconvenience this may have caused."Yes, AND!?!?! You reversed the provisional credit without notice, without a heads up, without a letter saying on a specific date you would be removing it. You pulled the funds without notice, while I had pending debits. Comerica caused this $34 fee, NOT ME. It is stingy, greedy and outrageous that Comerica continues to refuse to refund me, and I will continue to demand a courtesy credit of this Checking **********

      Customer Answer

      Date: 03/16/2023

      ***Document Attached***
      In support of my complaint, attached is a letter dated Feb 27, 2023 that states Comerica has debited a previously credited amount. This letter shows the unethical and outrageous practices of Comerica to cause customer fees by not notifying customer in advance of an upcoming unauthorized debit by management. They simply did it, and told me after the fact, and when they did it, because I had a pending debit with my card, they charged me a $34 fee.
      See Attachment/File: Scan.pdf

      Business Response

      Date: 06/06/2023

       

      Better Business Bureau,

       

      I am in receipt of the complaint submitted to your agency by ***********************  HIs concerns involve dispute claims.  Upon receipt of the complaint, I escalated his concerns to our ***************.  It is my understanding that he has been contacted and disputes were opened and the dispute process was explained to him in detail.

       

      I have been provided the following summary by our ***************:

       

      The Dispute review determined based on the merchant documents, it appears that this customer signed for these packages at the post office. The claim was for $9,920.08 and we denied two transactions $1,4314.97 and $944.33.  We have no further recourse with the merchant and will continue to deny the claim.

       

      In summary, the denial is valid and unfortunately, this now turns into a Billing Dispute between Mr. ********* and the merchant.  Per the documentation from the merchant providing proof of goods and services received, the merchant has also noted that this customer is taking advantage of the merchant and they have blocked him from using their services based on the amount of claims being filed, 

      Sincerely,


      *************************** ******
      Vice President and Senior Complaint Manager
      Corporate **************************
      Comerica Incorporated
      ************

    • Initial Complaint

      Date:02/25/2023

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had a account for my SSI which my payee supposedly closed back in ********************************************* this account which I was unaware until I filled for the stimulus money. I never received a dime of this money. The *** says it was deposited in this account, my old payee says he didn't spend it. ( I would love to believe my payee didn't steal it?) I tried over and over again to report this issue and to see if I could have my money returned to me to no avail. I have filled all necessary paperwork with ever institution that is required. The *** stated the bank is who has to return my money. Please help, I'm homeless now because of this and have contracted MRSA due to my living conditions. Thank you. D.W.

      Customer Answer

      Date: 03/06/2023

      I called the Comerica bank and asked to speak to the names that was given to me and was told that they never heard of *************************** or ***************************. I tried another phone number and was told that they really don't think the Comerica bank/Direct deposit probably won't help me. However, the customers service lady took my name and number and said someone will return my call in **** business days. I also tried reaching out to my payee and was told that he has passed away. Now my payee has not passed away, I know this because he is my brother.
      Im trying to stay positive,yet I don't know what else to do. Thank you so ********* for helping me. D.W.

      Customer Answer

      Date: 03/06/2023

      Update: *** center for Card and Advocate for Direct Express/Comerica Bank ( Gentleman's name was ***) called at 1:30pm to inform me that there is not a thing they can do for me in regards to the ***** dollars that has been stolen from me. He was pleasant and suggested that I have Social security put me as the owner of that old account, yet even by doing I would still not see any of that money. I'm very disappointed. Thank you. ****************. P.S. Not sure if there is anything else I can do. I have lost,not only my home because of this, I have lost hope in people.

      Business Response

      Date: 06/06/2023

      Better Business Bureau,

      I am in receipt of the complaint submitted to your agency by **********************************

      This complaint involves a debit card that is not managed or serviced by Comerica Bank.

      This complaint should be directed to:

      CONDUENT
      ************************************************************************

      Meanwhile, I forwarded ******************** concerns to Direct Express and been informed that they reached out to her to provide assistance.

      ********************************************** ******
      Vice President and Senior Complaint Manager
      Corporate Quality Process Department
      Comerica Incorporated
      ************

    • Initial Complaint

      Date:02/22/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am launching a complaint regarding a recent letter I received regarding a claim I filed on January 14, 2023 for unauthorized charges that occurred on my Comerica Debit Card/Checking Account. A total of $520.01 was credited to my account for transactions that occurred from 9/1/2022 till 1/12/2023. I assume the credit was based on an investigation completed by Comerica that reveled the charges were fraudulent or an 'error', as stated within the letter I was sent. However, the letter states only $29.97 will remain as a credit. The other $490.04 will be reversed since I did not identify the transactions that dated back till September and report those during that time period hence preventing the larger transactions that occurred from January 9 - 12, 2023. I received this letter on February 18th and contacted the customer care center twice *************) who advised me they lacked the ability to re-open the dispute. I have filed a complaint with the ********************************* (CFPB) - Complaint ID *************** as this appears to be a clear violation of the **** (Electronic Funds Transfer Act). The unauthorized charges were not immediately discoverable. The charges dating back till September were small, incremental purchases made once per month and not immediately recognizable. It became completely clear the charges were unauthorized between January **** as the purchases were no longer small. The unauthorized activity was immediately reported on January 14, ******************************************************************* a timely manner. The transactions that occur within 60 days of the initial report on January 14th should without question be credited as Comerica Card investigations determined this was in fact fraudulent activity. Also I received no notification from Comerica regarding the fraudulent activity that appeared to be occurring outside of ********.

      Business Response

      Date: 06/06/2023

      Better Business Bureau,

      I am in response of the complaint ********************************* submitted to your agency.  Her concerns involved unauthorized transactions that debited her checking account.  ********************** filed a CFPB complaint which I responded to her in April 2023.  Please let me know if you should need additional information.  Unfortunately, ********************** did not open her dispute claim timely.

      Below is the response I provided to the CFPB;

      Dear *****************************, Comerica Bank received the complaint you submitted to the ************************************* I have reviewed your complaint and determined you are concerned about unauthorized transactions that posted to your Checking Account. I have been informed by our ************************* in January 2023 you opened a Dispute Claim. The Dispute Claim included eighteen (18) unauthorized transactions totaling $520.01 that occurred between July 8, 2022 and January 16, 2023. On January 25, 2023, your account was issued provisional credit. On February 14, 2023, the Dispute Claim was denied, as not being filed timely. A letter was mailed to you (attached). The letter states, in part, the following: This letter is in response to your claim for reimbursement of unauthorized electronic funds transfers and the related Comerica Debit or ATM Card Investigation in the amount of $520.01. After a thorough investigation of your claim, at this time we have determined that an error occurred, however, you did not report the unauthorized activity on your account to ** within a timely manner, as defined by the Electronic Funds Transfer Act. You must report an unauthorized electronic fund transfer that appears on a periodic statement (e.g., your Comerica monthly bank statement) within 60 days after Comerica Banks transmittal of that statement (e.g., mailing) to avoid liability for subsequent transfers (the Applicable 60-Day Period). Your liability is the amount of the unauthorized transfers that occurred after the Applicable 60-Day Period and before notice to Comerica Bank, since we have determined that the additional activity would not have occurred had you notified the Bank within the Applicable 60-Day Period. Based on this information and the results of our investigation, your account has been corrected as described below: The amount of $29.97 of your provisional credit is now permanent for the transactions occurring within the Applicable 60-Day Period. We will reverse a portion of the provisional credit in the amount of $490.04 on February 23, 2023. The investigation determined the first disputed transaction occurred on July 8, 2022 and your bank statement was mailed to you shortly after the statement cutoff of July 11, 2022. Comerica must be notified within ********************************** which the first disputed transaction occurs that there is an error on the account. If the customer does not notify ********************** within this time, they are responsible for all transactions after the 60-day cutoff. Therefore, only the transactions that occurred between July 8 and September 13, 2022 were reimbursed. The remaining transactions will not be honored, and the provisional credit was reversed, as they were not reported timely. As stated in Comericas Business and Personal Deposit Account Contract in Section **** Your Liability for **************************** Transfers: Personal Accounts. Tell ** AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell ** within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell ** within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us within 2 business days of learning of the loss or theft of your Card or PIN, you could lose as much as $500. However, if you are a ********** Account Owner, this $500 liability provision for failing to notify ** within 2 business days after you learn of the loss or theft of your Card or PIN does not apply to you. If your Account statement shows electronic transfers that you did not make, including those made by Card, IVR or other electronic means, TELL ** AT ONCE. If you do not tell us within ***************************************** otherwise made available to you, you may not get back any money you lost after the ****************************************************************************************************** time. For your review, I have attached a copy of the Deposit Contract. In summary, your Dispute Claim was denied, as outlined above. Thank you for the opportunity to respond to your complaint. Please contact me directly if you have any questions regarding my response. ******************************************* ****** Vice President ********* ************************** Comerica Incorporated ************

    • Initial Complaint

      Date:12/13/2022

      Type:Product Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Regarding ***************************

      Comerica Bank has betrayed my trust and acted in a shocking, disgraceful way.

      I am owed $6,532.47 from unauthorized debits that occurred AFTER I called in and had an employee disable my debit card on 12/8/22

      Despite my debit card being disabled and blocked from future use, there were still 8 debits that occurred after this block. I woke up and logged in to my account at 3am on 12/13/22 and saw a shocking negative balance of $2,500+ when it should be a positive $3,500.

      12/6 $402.44
      12/8 $2299.40
      12/9 $98.70
      12/12 $192.48
      12/12 $1,619.59
      12/12 $979.67
      12/12 $300
      12/12 $600.43
      12/12 $39.76

      These debits are all unauthorized and never should have been allowed to happen, with the exception of the $402.44 on 12/6, but even this is made in error by the merchant and should have been refunded already.

      This merchant made duplicate charges, as well as made shipping errors which resulted in one of their shipments being returned, ********************** proves it. This was $2299.40 debit alone. The other debits should not have been made either because the merchandise was returned to their warehouse.

      Comerica should not have honored these incoming debits that occurred after my card was blocked, and I never would authorize debits that would put my balance negative $2,500 and cause overdraft fees. For both of these reasons, as well as the fact that the debits are from failed shipments and returned orders, this merchant has erred and has inflicted this damage on my bank account, further compounded by Comerica's negligence in allowing a blocked debit card to be charged.

      I request that Comerica not honor the list of debits above, and/or dispute the remaining ones for merchandise not received / returned. I will not be responsible for a negative balance of $2,500. I was assured my card was blocked on 12/8/22 because I did not trust this merchant, and they stated it may take 4-6 weeks to fix the situation with their return warehouse.

      Business Response

      Date: 03/20/2023

      Business Response /* (1000, 7, 2022/12/29) */
      Better Business Bureau,

      I am in receipt of the complaint submitted to your agency by **************. It appears Mr. ********* is concerned about debits on his checking account. I welcome the opportunity to assist in resolving his concerns.

      It appears his concerns may have been resolved. Please encourage Mr. ********* contact me at the telephone number listed below.


      Sincerely,
      *********************
      Vice President
      Corporate Quality Process Department
      Comerica Incorporated
      ************


      Consumer Response /* (2000, 9, 2022/12/31) */
      (The consumer indicated he/she ACCEPTED the response from the business.)
    • Initial Complaint

      Date:09/22/2022

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      There was a charge on my account for $250 I disputed it and also contacted the company which they told me on recording that they did not charge me they refund it so I disputed it and I was credited the money on July 1,2022 then July 4,2022 it was a charge then on July 5, 2022 another $250 was charged to my card I have recordings and also documents to prove this case this is they keep playing on the phone having me on hold telling me no yelling being disrespectful and I have all proof to prove my case they are stealing from me they blocked me out my account online. I want my $500

      Business Response

      Date: 12/30/2022

      Business Response /* (1000, 10, 2022/10/21) */
      Better Business Bureau,

      I am in receipt of the complaint submitted to your agency by ***** ******** ******. The complaint appears to involve a Direct Express card.

      I have escalated the complaint to the Direct Express Cardholder Advocacy Group for handling.

      Additionally, ***** ******** ****** can contact me at 313.222.9302 if they have any questions, I would be happy to speak with them.

      Sincerely,
      Susan ******** R*****
      Vice President
      Comerica Incorporated
      313.222.9302
    • Initial Complaint

      Date:08/11/2022

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On may 3 I deposited check XXXXXX from Hollywood motor cars llc for 23000.00. On July 26 the check was rejected and reversed because of a non conforming image was included with the check. So even though I cashed it on may 3 I'm being told by bank that the federal reserve has reversed the check for XXXXXX.00. Account number XXXXXXXXXX check number XXXXXX. HSBC BANK TELLS me to cash the check at comerica bank and when I go to branch in Los Angeles the assistant branch manager tells me check has been cleared. So I don't know what to do but I have not received the funds for this check and this is for selling my car.

      Business Response

      Date: 12/30/2022

      Business Response /* (1000, 7, 2022/09/02) */
      Better Business Bureau,

      I am in receipt of the complaint submitted to your agency by Mr. ******* *******. He appears to be concerned about a check he received from ********* Motor LLC that he deposited to his account that was returned as unpaid.

      Due to privacy reasons, as Mr. ******* is not a Comerica accountholder I am unable to discuss an account that he is not an unauthorized signer.

      I suggest he contact the Maker of the Check and determine why the check was unpaid.

      I would be happy to speak with xxx please encourage xxx to contact me at XXX-XXX-XXXX.

      Please let me know if you should need additional information.

      Sincerely,
      Susan ******** ******
      Vice President
      Corporate Quality Process Department
      Comerica Incorporated
      XXX-XXX-XXXX


      Consumer Response /* (3000, 13, 2022/10/14) */
      The problem is Comerica bank has my money on hold and will not refund to maker of the check ****** of ********** the ******** ********** Group. ****** of ********* will then reissue payment to me ******* *******. I sold them my 2018 Audi A4 back in May of 2022. Comerica bank has given everyone the run around saying fraud dept is still investigating when they should have released the money back to the maker of the check so they can reissue payment to me. Point of contact has been ***** ***** vice President of National Dealer Services XXX-XXX-XXXX. They needed documentation from HSBC and they were provided it. Stop holding on to money that is not theirs. The image of the check was non Conforming and svpco clearing house released the money to Comerica Bank so they would release funds back to maker of the check so the dealership can reissue payment. This bank is making it so difficult just to return the money to the dear shop so I can get paid for a car I sold them back in may. The dealership account number is XXXXXXXXXX at Comerica Bank.
    • Initial Complaint

      Date:08/05/2022

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I opened a new account on 07/21/22 with Comerica with deposit of $170.00. I went back to my account a week or so later and noticed that I had a debit of the exact same amount . I called the bank and received noting but the run around. voicemails, people not being available etc.

      Business Response

      Date: 11/10/2022

      Business Response /* (1000, 10, 2022/09/26) */
      Better Business Bureau,

      I am in receipt of the complaint submitted to your agency by Ms. ****** ****. Ms. **** is concerned about a withdrawal processed on her account.

      I have researched the transaction and determined Comerica's Collection Department processed the withdrawal to recover monies Ms. **** owed to Comerica for a charged-off account. Ms. ****'s prior account was overdrawn and she did not repay the Bank the balance she owed.

      As Comerica's Business and Personal Account Contract States in Section 2.14 Set Off. You agree that we may, at any time and without prior notice, set off funds in any Account, or any other funds or property in our possession, in which you have an ownership interest for the payment of debts or liabilities, including loans, owed to us by any or all of you, to the fullest extent permitted by law and regardless of the source of the funds in your Account. You understand such action could result in an interest penalty or dishonor of subsequent debits. Our ability to Set Off does not apply to Personal Accounts if the obligation is created under a consumer credit card plan, IRAs or ESAs.

      Ms. **** was provided a copy of the Contract at account opening. As outlined above Comerica exercised our right to recover the money Ms. **** owed the Bank for an overdrawn account balance she did not repay. For her convenience, I have attached a copy of the withdrawal receipt.

      I welcome the opportunity to speak to Ms. **** and discuss any concerns or questions she may have. Please encourage her to contact me at the telephone number listed below. I need additional information from her in order to assist her.


      Sincerely,
      ***** Rutledge Reeves
      Vice President
      Corporate Quality Process Department
      Comerica Incorporated
      XXX-XXX-XXXX

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