Consumer complaint received 2018-06-26
Company: Comerica
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I had left XXXX XXXXXXXX XXXX in XX/XX/2013 because my account became compromised by a XXXX account. When I went to XXXX XXXX I then discovered fraud where someone else had operated out of a bank account in my name. Then I went to XXXX XXXX XXXXXXXX and fraud was discovered there too. I reported the account discoveries to FBI agent, XXXX XXXX, over the phone, but I was never given any account information to dispute from any of the financial institutions. I made a CFPB on XXXX and was later told it was my biological mother who had stolen my identity and drivers license with my grandmother and had taken out a fraudulent student loan and cost of living loan. Then this is what lead me to Comerica Bank to open up a new bank account with 3 account : Personal checking, savings, and a business account ( I only kept business account open for 2 months and decided the business account was unnecessary for my independent contracting job as an entertainer. ) My account was then compromised after a break in at my apartment and financial documents where stolen that lead me to close my personal checking, and saving account and open new bank accounts numbers at Comerica. But since one of the documents that were stole from my apartment was the form to add an authorized signer on my bank account, the accounts that I closed remained opened and was being operated under my identity without my knowledge. I had paid an early cancellation fee to XXXX with my original Comerica debit card, but during the break in at my apartment the XXXX line was reactived when they stole the cell phone from my apartment which was used to make external bank transfers with my original Comerica bank accounts. It was used to embezzle money from another insurance scam I was victim to tied my XXXX of XXXX 2013 XXXX purchase, and then to a fraudulent XXXX auto loan tied to a XXXX from my biological mother stealing my identity. Next a fraudulent tax return was filed where my biological mother had forced my ex-boyfriend, through prostitution, to marry her under my identity so she could have access to my bank account at Comerica with the stolen insurance money embezzled first from XXXX XXXX, and then a trust awarded to me from the insurance fraud scam I was a victim to from the technology company. These accounts were also used in a fraudlent purchase of XXXX XXXX XXXX XXXX. Next it was used to place the secondary car insurance fraud tied to the 2013 XXXX at XXXX XXXX purchase. There were some other acts of identity theft and crimes committed under my identity in an attempt to bill out of these accounts. I had started receiving notices that the original accounts address were update anytime I did a change of address when I moved. I thought that was weird because I had closed the accounts so why would it update the address for closed accounts. I went to Comerica and showed them that the original accounts address was update and they should not even be opened. The banker told me the accounts were closed and when I asked for statements to verify that she would just show me the account balance was XXXX. I told her that doesn't reflect closed and she told me the bank could not provide me with anything in writing. I spoke with branch manager and none of them would provide me with any further details or a typed letter. I was later informed that through other telecommunication companies like XXXX XXXX XXXX my bank account was hijacked through a phishing email, in addition, to being backed onto a different server by my XXXX XXXX service that took over my XXXX account to withdrawal embezzled money from the insurance company that was placed in my account without my knowledge. I have made XXXX reports on these telecommunication companies as well as FTC reports . These funds were being used to pay for medical fraud scams that was being run under my identity that I had no involvement in. No bank has provided me the records or activities on these accounts as required to do so under consumer protection laws.

Company response to consumer: Closed with explanation