The convenience belongs to Comerica Bank, not the user of the card. It takes 4 to 6 days to transfer money from my Comerica Bank checking account to my Comerica Bank Convenience card, using the online account management. Both accounts are linked and are well established and well maintained accounts. If the transfer is initiated on a Tuesday, even if it's done before noon - eastern time, it will not make it to the convenience card bank account by Friday at 5 pm. Even though the funds are subtracted from the checking account on Thursday. These are the actual times I am dealing with right now. Follow-UP I just received a form letter from the bank telling me that transfers can take up to 3 days. It's not a response to my inquiry - just an automated form letter. It doesn't help their case.
I am with another bank and i tried to call them to just see if a check cleared so I could help a MUTUAL customer release a hold on HIS OWN FUNDS. The lady I talked to in Houston, TX, was rude and refused to even help their own client. I didn't want balance or any info on the account I wanted to give them the image of the check and see if it clear which 99% of other banks will do. She explained that they take the "Privacy Act" to the letter, this lady needs to re-read the Privacy Act because it only specifies the information between financial institution and government agency.
I opened an account with Comerica and decided to use their webbanking. Little did I know that their technology is so outdated, that instead of transferring the money electronically on the day that the payment is due, they cut a paper check and put it in the mail, (yes, you read it right); they put a check in snail mail on the day the payment is due. I could have managed my payments better myself but they don't tell you that when they are smoozing with you to open an account. They also continued to run checks through a closed account so that they would be able to charge overdraft fees. If there is ever a class action suit - count me in. Also, their tellers are very unprofessional - always standing around and criticizing other customers while I stand at the counter. I wonder what they say about me when I leave. If I could post without giving them a star I would; but I have to give at least one.
Comerica is THE WORST!! My father made the mistake of falling for their BS when it came to estate planning. He made them co-representative of his estate. The woman they put in charge of his estate (her initials are A. C.), was unbelievable. Long story short - I had to go to court to have them removed as co-rep. And now they're looking for me to pay all their expenses! HA!
I was informed that I had to setup direct deposit for my SSI payments and it was recommended by the government to use Direct Express which is owned by Comerica. Before a deposit was even made, someone from Comerica cancelled out my account causing the deposit to be rejected. Another account was opened on my behalf and Social Security issued another deposit only for me not to have access to the funds because Direct Express claims they never received a direct deposit on my behalf. Social Security shows it was received and deposited into an account with my name on it but Comerica is refuting that fact. I've called several times and asked to speak with upper management and has been refused everytime with Supervisors stating I can't speak with anyone higher than themselves and has "released my calls (a polite way of hanging up) when I further insisted on speaking with upper management. Needless to say this has been going on since Feburary and now we're half way thru April with no resolution! I wld love for a class action lawsuit to be filed against this bank, with me as a participant.
Sterling Bank (very good bank) was bought out by Comerica Bank. Since the take over I have had constant problems with them running returned checks back through without my permission, knowledge or consent, and not allowing me to view what was going on with my account online so that funds could be transferred to prevent any problems. Then they refused to take responsibility for it saying the payor put them back through after the payor told me they had not. The last straw with me was when I deposited CASH to more than cover a check going through the same day and, even though I confirmed with the bank that the cash deposit would be available to cover the check immediately, they still held the CASH deposit until the next day and charged me an overdraft fee.
After a visit to Comerica with my elderly mother yesterday, and the terrible customer service practices that we received I thought I should pass the story on. Although my Mom is over 90 years old, she is still quite active. She likes to go to the Casinos, and she travels to Las Vegas & Ste. Saint Marie a couple times a year. I took her to the bank yesterday to find out why the recurring charge to her checking account for her newspaper subscription had suddenly been declined. A teller called us over to her window, so I said that we would like to speak to a manager because my mother has a question about her checking account. The teller replied, 'your mother' s account I'd overdrawn?' I said, no, she has a question, and walked back over to the waiting area. An assistant manager called us over to her cubicle. I explained that we were there to find out why a $20 charge had not been processed through her checking account. I felt like I was speaking a different language than she was because it took her three attempts at summarizing why we were there for her to correctly state that a recurring charge had not been processed to my mother's account. She then announced that she would have to call the ATM card security dept. For more information. After talking to them she told us that Comerica had placed a hold on credit transactions on my mother's ATM card because of a 'questionable' ATM withdrawal. The assistant manager asked if my mother had made a withdrawal in Ste. Saint Marie recently. My mother confirmed that she had made the withdrawal during a recent trip there. The manager felt that that was an acceptable explanation for why the recurring charge had been denied,saying the bank had placed a hold on charges to her checking account, ' for her protection'. I was shocked by this and stated. I can understand if the bank questioned a withdrawal made out of town. But to place a hold on her account without notifying her that they had done it was absurd. I told her that protecting the customer from unauthorized use of their ATM card should be done in collaboration with the customer NOT without their knowledge. The inconvenience of having to go to the bank to find out why a legitimate charge hadn't been taken from her account, only to find out that the bank had thought there was some questionable activity with her ATM card and then failed to notify her at all about the incident and the actions the bank took was a idiotic example for 'account security'. To add insult to injury, the manager did not even apologize to my mother for her having to come to the branch to find out why authorized charges weren't being processed, or for the inconvenience of having to have a charge rejected as a long time newspaper customer.
If I could give this bank a negative rating would. I opened a checking account with them in early March and used bill pay in the middle of April to pay my electric and oil bills. While these checks were in transit (via snail mail) they CLOSED MY ACCOUNT without notifying me. Of course the checks bounced. I am left to pay the bank fees and Comerica refuses to accept any responsibility for them.