Consumer complaint received 2016-05-01
Company: Comerica
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

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 to consumer: Closed with explanation