Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

From : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX XXXX, Email- XXXX To : XXXX XXXX Fraud dept. of Comerica Bank RE : Scam of account XXXX XXXX XXXX XXXX XXXXXXXX. 
Dear XXXX XXXX Report Online Scams My points regarding procedure during this wire transfer : 1. At the time of wire transaction ( XX/XX/XXXX ) Bank seen that amounts on both account ( XXXX and XXXX ) looks almost similar and didnt paid attention why it is. 
2. If wire transfer looks suspicious, typically bank must to ask me the questions regarding this wire, how I know recipient. A while ago, I explained and show a proof how I know about recipient. This time bank didnt ask my any questions just sent wire transfer. That is not secure. 
3. The same day ( after XXXX. Scammer phone was no longer in service. I understood that was fraud. Wire transfer and transfer between my XXXX accounts have status pending and can to change and cancel these frauds transactions. 
4. Next day I came bank and report fraud, it mean that bank has power to cancel the fraud transaction. I dont know why bank didnt recall that right away. Case filed only in few days later. It was to late. 
5. Any transaction such as transaction between my accounts, usually, need to alert and my permission. 

1. On XX/XX/2022 at the morning, I suddenly discovered that account XXXX of y charitable company " XXXX XXXX XXXX '' was charged by an unauthorized amount {$290.00} 2. I even didnt suspect that it was the hackers who charge me and that they are already penetrating into my web banking accounts Comerica Bank system thru my computer.

3. Now, I understood that they, after review my computer system, found out that one of my company accounts ( XXXX ) has the amount ~ {$34000.00}. 
4. I had their phone number XXXX belong hackers. I call them and asked refund an unauthorized charge. They promised to return it to company to account XXXX. 
5. Shortly, on the account XXXX appeared the amount of {$29000.00}. The account XXXX didnt change ( show same {$34000.00} ). 
6. I, like an honest person, called them again and said about error of refund on account XXXX. 
7. They said thank you and calculated difference and sent me information where I have to return the difference ( see attached ). 
8. Then they figure up an amount should be to return as {$29000.00} In this case must be left correct fund {$290.00}. They gave me information of the Bank, where the difference ( {$29000.00} ) should be return. And the error will be corrected XXXX. I came to the bank on and the Clerk and I saw the amount in the account XXXX about {$30000.00}, and the account XXXX remains the amount of {$34000.00}. 
10. I think that if the clerk of Comerica bank and me didnt see those amounts on the both accounts of the company, he and I didnt transferred {$29000.00} from account XXXX. 
11. At end of this day ( after XXXX pm ) on XXXX  banking appeared two items with status pending. One pending transaction showed transfer amount {$29000.00} from account XXXX into account XXXX, second pending transaction to account XXXX an amount of {$29000.00} showed transfer an amount that was made in the bank. 
12. Unfortunately, it was too late to understand that it was hackers and it was too late fix this situation to cancel transactions because customer service of Comerica bank was closed. I was shocked and stressed. I didnt sleep all the night. 
13. during night all pending transactions became real transactions and on an account XXXX left over only difference between old amount and {$29000.00}. And XXXX show only {$4000.00}. 
14. Next day I called many times by the phone XXXXThey answer me by text messages ( see attached copy ) Yes absolutely it will be fixed tomorrow and The transaction has been reverted ; your account will have the money back between 24-48 hours Finally, at last call I got message phone no longer in service. It means that hackers switched XXXX XXXX. 
15. I was shocked and immediately ran to the bank to report about fraud.do. The bank made call to Fraud department of Comerica bank and report about above fraud and scam. I spook with XXXX XXXX from Comerica fraud dept. and explained him my situation. 
16. I trusted that Comerica Web Banking system is secure and could not even imagine that it can be happen.

17. Terrible Hackers attack to Web Banking Comerica system! I immediately vent to XXXX XXXX to clean my computer and install protection program. 
Typical it was case of fishing - How the Hackers attacked Comerica Banking system using my computer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Attachment text messages between me and hackers Screen shot from my cell phone : Copy of instruction given hackers where to be send extra money.