Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
Subject : Complaint Regarding Removal of Account Owner Without Notice Comerica Bank To Whom It May Concern, I am submitting this complaint regarding actions taken by Comerica Bank concerning a joint account associated with XXXX XXXX XXXX XXXX. Approximately XXXX years ago, XXXX partners opened a joint bank account at Comerica Bank in XXXX XXXX, California in connection with the management of a property owned through a Tenancy in Common ( TIC ) structure. All four individuals were participants in the account and relied on it to manage financial obligations related to the property, including mortgage payments, deposits, expenses, and distributions. Several months ago, I discovered that the other three partners requested that Comerica Bank remove me from the account. The bank processed this request and removed me as an authorized signer without notifying me or obtaining my consent. When I contacted the bank to understand how this action was authorized, I was informed that the bank relied on internal procedures and documentation but that the bank would not provide copies of those documents. I was also told that the bank does not release its internal policies and procedures. Despite multiple requests, the bank has refused to provide the documentation that authorized my removal from the account. Specifically, the bank has not provided : The original account opening documentation and signature card identifying the account owners and authorized signers Any written request or authorization submitted to the bank requesting my removal Any updated signature card or authorization form reflecting the change in account authority Confirmation of whether the request to remove me was made verbally or in writing In addition, the bank recently provided me with a brochure dated XXXX as the agreement governing the account. However, the account was originally opened in XXXX. It is therefore unclear whether the document provided reflects the governing agreement that applied at the time the account was established or when the change to the account authority occurred. This issue is particularly serious because the bank account is used to manage finances related to a XXXX in XXXX property in which I hold a 32 % ownership interest. Prior to my removal from the account, I relied on access to the account to monitor financial activity associated with the property, including mortgage payments, deposits, and distributions. Since being removed from the account, I have no visibility into how these financial obligations are being managed. As a result, I am unable to verify how the finances of a property in which I hold a significant ownership interest are being handled. This lack of transparency has placed me at a substantial disadvantage and is creating pressure for me to sell my ownership interest in the property at a value significantly below market value, approximately {$500000.00} less than what the property XXXX otherwise be worth. I have repeatedly asked Comerica Bank to provide documentation explaining how my removal from the account was authorized, but the bank has declined to provide these records and has instead stated that it will only communicate with legal counsel. For clarity, I am not currently represented by legal counsel. Although I previously mentioned consulting with an attorney for informal guidance, no attorney has been formally retained to represent me in this matter. Given these circumstances, I am requesting that this matter be reviewed to determine : Whether Comerica Bank properly followed its procedures and applicable account agreements when removing an account participant. Whether the bank was authorized to remove an account participant without notice or consent. Whether the bank should provide the documentation supporting the account authority change that affected me. Whether the banks actions have improperly enabled other account participants to exercise unilateral financial control over funds connected to jointly owned property. Additionally, I understand that the ownership of Comerica Bank is currently in the process of being transferred to another institution. Because this matter involves a disputed change in account authority, I believe it is important that the acquiring institution be aware that this issue remains unresolved. I respectfully request that the relevant regulatory authorities review this matter and require Comerica Bank to provide the documentation and explanation necessary to clarify how this action was authorized. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation