Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

I have a Basic Business Checking Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Comerica bank since XXXX. 
I pay for paper statements, based on fictitious charges made by Comerica Bank in the past that the XXXX XXXX my home bank branch Manager always removed, and she apologized. I audit my statements every 90 days, as I do not write checks anymore, I have ACH Debits with my service providers under their Autopay. 
I saw on my XX/XX/XXXX statement a charge for {$6.00} Comerica Online Billing Fee XXXX. 
I do not do online banking or any mobile or web banking. 
On XX/XX/XXXX, at XXXX XXXX, I contacted Comerica and by phone and reached XXXX at XXXXXXXX XXXX and she is in XXXX Michigan. 
I gave my name and explained I had no idea what this billing fee was, and on a recorded line, XXXX without asking me for my Account Number or any security questions stated it is probably BillPay, as you used BillPay last XX/XX/XXXX, so your monthly fees always begin yearly again the following year? 
I told XXXX I do not use BillPay, that I tried it in XXXX and it took 14 business days for the money to pay another named Attorney XXXX XXXX. 
I informed XXXX I cancelled BillPay and I asked her, shouldn't she have asked me for my account number and a security question. XXXX became toxic and stated she was just getting around to doing that, when I asked for her supervisor as I felt anyone could compromise my account if they found a Comerica statement of mine lost in the mail. 

XXXX resisted finding a supervisor and she told me one would call me back. 
I rejected that answer and XXXX hung up the call. XXXX called me back and told me the call disconnected and she was transferring me to a supervisor, and I was put back in the que. 

I was able to get to an auto reply that holding time was XXXX minutes and would I like a call back and not lose my place in the cue. I selected call back and was called back by a Supervisor by the name of XXXX in XXXX Michigan. I explained in a very friendly tone my concerns over XXXX and her need for coaching and training, and I asked XXXX if XXXX was new to the call center, and she told me yes. 
XXXX then asked me security questions that were impossible to answer, i.e, the year I opened the account? Then she asked me for a XXXX transaction in the last 30 days, and I gave the ACH debits and the amounts that repeated and were paid in the last 30 days as always, the same Service providers and the same amount paid all year, last year, and prior years. XXXX informed me she would need to end the call as I failed all the security questions. 
I asked for her Supervisor, and XXXX, who she then decided to allow me to dispute the charge for {$6.00}. I did not have my Comerica statements for XXXX yet, it takes a long time to arrive postal, but I had XXXX, in my hand. 
I asked XXXX how many months has the {$6.00} been charged for BillPay which is illegal and must be removed and credited back. 
XXXX on a recorded line, stated it went back to XX/XX/XXXX, and she can only credit me XXXX months as a courtesy, based on I used XXXX XX/XX/XXXX? 

I realized then that the Comerica Bank intentionally, has begun billing unauthorized charges for their owned commerce BillPay service. I am a Legal Expert and I audit the bills and then testify in Court, for Class Action Attorneys who we sued XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and won XXXX XXXX XXXX  of dollars for the plaintiffs nationwide. 
I demanded to speak to XXXX 's supervisor, and I made it clear I was going to report this to the regulators of this bank. XXXX put me on hold and came back and stated she spoke to her supervisor, and she was approved to credit back the {$6.00} for XXXX XXXX and XXXX ''., I told her that did not negate my right to speak to her supervisor, as I want a ticket opened on the attempt by XXXX to save Comerica {$6.00}, that I caught in 90 days, and I am entitled to dispute. I made it clear I want to file a complaint against her as this is fraud especially to minimize my credits. 
XXXX, then stated she had documented it and her supervisor would call me back within XXXX hours. I was livid and I asked her for her supervisors name, and she replied his name is XXXX. 
I never received any call from XXXX a supervisor or anyone again with Comerica Bank. 
I then for the last time demanded she open a ticket and provide me a Reference number, and after pulling teeth, XXXX came up with # XXXX, which I highly doubt is legitimate. 
I contacted three Class action law firms that retain my services. 
I testify in trial, and all three law firms immediately told me that this has already come across their desks the same Comerica BillPay billing fee which by the way it is printed, Comerica Online Billing Fee, confuses the customer into thinking it is {$6.00} for their accessing their banking information online, and now there is a XXXX on their statements. 
The California Law Firm was very excited ( I work as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is going to be the start of the Class action in CA., and they will use me as their XXXX XXXX based on, I was a victim. I stated I will do this XXXX XXXX ; I am here for the consumer. 

My compliant is because of Comerica Banks intentional billing fraud, imposed on unsuspecting Comerica customers, the Bank making XXXX of dollars if we go back to when Comerica XXXX was launched. I was lied to by XXXX and XXXX, stating I used XXXX XX/XX/XXXX, a bold lie. I have audited all my statements now for the and XXXX was never used again after my years old experience. 
I am alleging the Call Centers employees, are trained to only offer a two-month credit, irrespective of how far back the unauthorized charges go, which is also a violation. 
Any unauthorized billing is recourse back to inception, with interest, and 10 % unjust interest is paid, without a lawsuit, based on my work and the laws in every state in XXXX. 
XXXX people will give up the fight, and I am advocating especially for the elderly who still use their computers and work and use or do not use XXXX. 
This fraud, including XXXX XXXX XXXX, is going to be disclosed by me to the XXXX. Many people will hear it and check their bank statements and of course contact the news stations asking what they should do to get back their money. Of course, I am sure Comerica will lose tens of thousands of Customers same as XXXX XXXX bank did, for a similar reason, a case I was retained as a consultant. 







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