Consumer complaint received 2018-12-27
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a personal checking account from Comerica Bank, and recently, my debit card ( ending in XXXX ) information was stolen and fraudulently misused online by an unauthorized person. 
On XX/XX/2018, I checked my Comerica Bank statement online and found out majority of my checking account balance was depleted. I quickly contacted the fraud department of Comerica Bank customer service at XXXX and reported the unauthorized transactions that were posted on my checking account between XXXX in the total amount of {$23000.00} There were total of 9 transactions from a company named XXXX, and I reported to the Fraud Department of Comerica Bank that I did not recognize the charges and all of the 9 transactions were unauthorized charges. 
The Comerica Bank on the phone created a fraud claim for the loss and confirmed that I will receive a letter regarding confirming provisional credit for the amount of {$23000.00} within next 10 business days. 
I have been waiting for the provisional credit on my checking account since I have to make payments on my end, and there has been no provisional credits applied. 
Every bank I dealt with, such as XXXX  XXXX XXXX, XXXX XXXX  issued a provisional credit within 3 business days when I had fraud claim before. 
I have visited the local Comerica Branch to confirm the provisional credit, but instead they put my account on HOLD and did not let me gain any access because they do not want to issue a provisional credit like they mentioned. 
I have called the Comerica Bank customer service to plead for help to issue the provisional credit since it's such a large amount, but they have yet ignored my request and put a hold on my account, which I can not even access anything, including withdrawal and deposit. 
Comerica Bank is holding myself as a hostage during this fraud claim process, and I feel extremely ashamed and frustrated that a large corporate bank like Comerica Bank can not issue a provisional credit like they are supposed to. 
Instead, whenever I contact them to process the provisional credit, they are putting me hold and not giving me any answers. They have told me that they will hold my account until everything is resolved, which Comerica have confirmed that it could take up to 60 days. Comerica Bank did not even alert myself via phone or text to make sure my account was safe from fraudulent charges. This fraudulent charges could have been prevented, if Comerica Bank had taken immediate actions and took a closer review on customer 's potential fraudulent charges. 
I just want to be treated fairly and in equal like every other bank customer. Someone stole my debit card information and misused it, and drained my checking account. 
I just want the Comerica Bank to issue me the provisional credit while they investigate this claim for next 2-3 months, because I can not pay my bills without those balance in my checking account soon. It is extremely affecting my personal life and I feel like it is unfair how Comerica Bank is treating this Fraud claim not seriously. 
Please help and reach out to Comerica Bank to have to properly restore and apply provisional credit for not just my account, but for all future Comerica Bank customers who go through the similar fraud claims like I do, who won't have to suffer the time and money. 
For your info, here are the detailed fraudulent transactions posted on my checking account at Comerica Bank. 

XXXX {$1500.00} XXXX {$1400.00} XXXX {$3100.00} XXXX {$1600.00} XXXX {$3100.00} XXXX {$2900.00} XXXX {$3200.00} XXXX {$3300.00} XXXX {$3300.00} FRAUD CLAIM TOTAL {$23000.00}

Company response to consumer: Closed with explanation