Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: HI

Complaint narrative:
I am a XXXX senior who has benefits distributed through Commerca Bamk XXXX XXXX. I do not use the benefits regularly. i keep the card in a safe place, not my wallet. Ten years of card use in only to access cash at ATMs with few exceptions maybe under five times in ten years. In XXXX it came to my attention something was amiss. Paid for copies of my statements to find 8vpages of charges in one month alone. Most were sketchy companies charging inder a dollar. ten calls to XXXX XXXX were placed on hold for hours and often cut. When I did get customer service, she was surly. She asked questions to shift responsibility for a total loss of {$2000.00} on me. I asked to open a dispute. She told me I would need a separate dispute for each charge. with an old laptop and no typing skills, I was so overwhelmed it triggered XXXX that required medical intervention. A year of monthly XXXX sessions followed. At least i got a new card and the charges stopped. Since then, atm use only with 2 exceptions. My primary agreed to XXXX but it takes time to get preapproval. I had 3 major surgeries in XXXX and XXXX XXXX XXXX. i gained XXXX XXXX andcwanted to take it off to jump start strength training to begin in XXXX. We agreed to buying a month online to avoid preapproval requirments. I got a list of reccomended suppliers. None were familiar. Only one offered a non subscription option. I searched for any negayive reveeiws. none were there. I now know that company llc formed two weeks before my search. I received it on XX/XX/XXXX and made the vfirst of XXXX XXXX. I had an immediate tightening in my XXXX and XXXX XXXX at XXXX sight. I still have the remaining XXXX XXXX in my refrigerator. The card remained unused for months. My XXXX has XXXX miles. I was doing without basics for a year to get enough for a vehicle with less miles. In XXXX XXXX XXXX XXXX sent a new card. In XXXX I activated the card expecting {$5000.00} balance. It was not there. I came to learn XXXX XXXX had been paying unauthorized recurring charges to that one-time seller. As someone with my usage pattern it should have been flagged for suspicious activity. XXXX XXXX failed to comply with FTC requirements, and it cost me {$5000.00}. I have since then gotten every imaginable obstacle thrown by Commerca Bank. What may have begun as a low budget approach to customer service has morphed into a systematic abuse of senior and XXXX persons for the purpose of minimizing all disputes for cost, but more so, to present a squeaky-clean image to Treasury department to keep the gravy train coming. This is a failure on all fronts. Commercia is corrupt and never did intend to serve anyone but themselves. Treasury department failed to use adequate monitoring, and the most vulnerable Americans have paid for it in ways that will never be reimbursed, time, health, basic needs, mental resilience and more. I am aware you know all this, yet you dropped your case without any explanation. You emboldened Commercia to continue abusing us for the next three years until the contract expires. I finally got XXXX XXXX to send me dispute forms. They have pplaced a ten business day limit to the submission ofb the completed dispute including evidence like emails, tracking forms. That's ten days from XX/XX/XXXX for them to receive. Today is XX/XX/XXXX, and no forms have arrived either by mail or email. This is what happened before. I have been fleeced twice in five years for a total loss of {$8400.00}. Commerca Bank had the obligation to use protections, and failed. They are responsible for making me whole. The merchant is also Commerca Banks duty. I demand that your agency immediately demand compliance with all regulations forth with. For example : the ten day deadline on collecting and submitting documents is not correct. According to law, disputes are permitted 10-45 business days. Commerca bank unethical unlawful practices even after class action lawsuits, means that the profit compared to compliance is worth the regulatory weak kneed XXXX threats with no teeth, are a joke to them. This agency is the biggest joke to them. XXXX XXXX of the weakest least able among us has no one else to turn to, Please act and do it soon.

Company response to consumer: Closed with non-monetary relief