Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: MI

Complaint narrative:
MY BANKING AND CONSUMER FINANCE CONCERNS FOR LEGAL FOLLOW-UP REGARDING COMERICA BANK COMERICA BANK XXXX am submitting this complaint about Comerica Bank regarding overdraft-related hardship, disputed fees or account practices, and the handling of my prior complaints and follow-up communications. On XX/XX/year>, I sent a certified letter to Comerica leadership requesting written review and a response within ten business days. I remain concerned that the matter was not meaningfully addressed. The most important records include my account agreements, overdraft disclosures, key statements or transaction histories, my XX/XX/year> date letter, proof that it was sent, and later emails or call-log records. I am requesting a meaningful written response, review of the account practices and disclosures, correction of any errors if appropriate, and any other relief available within the agencys authority. LETTER TO XXXX XXXX XXXX XXXX AND PROOF OF MAIL XXXXCOMERICA BANK XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, and Chief Executive Officer Comerica Incorporated & Comerica Bank Comerica Bank XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Re : Formal written notice regarding overdraft protection, related account handling, and request for written response Dear XXXX XXXX : I am writing to provide formal notice of my concerns regarding Comerica Banks handling of my business account, overdraft protection arrangement, related credit-card practices, and the banks response to my prior requests for assistance. My purpose is to request meaningful written review of these issues and to preserve a clear record of my concerns. I have been a Comerica customer for many years. More than a decade ago, I was provided a credit card that I understood was connected to overdraft protection for my business account. My concern is that several small overdrafts and the related account handling were not clearly explained to me and later contributed to much larger financial harm. I request a written response within ten business days after receipt of this certified letter. Please address the overdraft protection arrangement, the related account and credit-card handling, the records supporting the claimed balance, and any actions Comerica will take to review or correct the matter if appropriate. Please communicate with me in writing by email. I am preserving all relevant records, including account documents, statements, communications, and proof of mailing, and I reserve all rights and remedies available to me. Thank you for your attention to this matter. I would appreciate a prompt written response. Sincerely, Best regards, XXXX XXXX XXXX XXXX, PhD Owner, Maggies Floral Wholesale ONE-PAGE SUMMARY This summary highlights the institutions involved, my main concerns, the notice dates, and the key records I am preserving. Institutions involved : Comerica Bank Main concerns : This institution failed to meaningfully respond to my CEO letter ; Comerica may have breached the overdraft protection arrangement tied to my account and contributed to default-related harm. Comerica notice : I sent a certified letter dated XX/XX/year>, requesting a written review and a response within ten business days. Current concern : I am concerned that this institution meaningfully addressed my written notice and that the underlying account handling caused delinquency, default-related harm, or other financial injury that should be reviewed with the supporting records. Key records : account agreements, statements, fee and disclosure notices, copies of the letters, proof of mailing, email replies, call logs, voicemails, screenshots, and timeline notes. Purpose of this draft : to organize the issues clearly, keepin this casethe institutions separate, and make it easier to identify the strongest next steps for review. Summary of Concerns Based on my current draft, my principal concerns involve disputed interest or fee practices, possible account-calculation or recordkeeping issues, possible overdraft-related disputes, possible contract or disclosure issues, possible service restrictions or account-closure issues, and concerns about how my complaints or account problems were handled. Some of these concerns may overlap factually, but they may involve different institutions, agreements, account records, or legal frameworks. I believe separate review may therefore be useful to determine which issues are primarily factual, which are contractual, and which may involve regulatory or consumer-protection questions. Comerica Uploaded Exhibits A. Exhibit XXXX XX/XX/year>, support request to XXXX XXXX XXXX Comerica at XXXX PM ; no direct response received. XXXX Exhibit XXXX XXXX, 2026 follow-up screenshot involving XXXX XXXX / Comerica XXXX XXXX PM XXXX no direct response received. XXXX Exhibit XXXX Indirect response / redirection record ; the matter was redirected rather than directly addressed. END OF SECTION

Company response to consumer: Closed with explanation