Complaint Review: Comerica Bank - Internet

The US Dept of the Treasury entered into a sweetheart contract with Comerica Bank during the Bush Administration (Texas Scammers Stick Together, don't they?)

Comerica Bank is the recipient of BILLIONS of dollars of US Taxpayer funds deposited by the US Treasury into that bank via the D/B/A name of US Direct Express, as custodian or trustee for MILLIONS of US Taxpayers, Social Security recipients, etc.

Before Bush the Fraudster conspired with his cronies to set up this system, the federal government would send funds via the US Mail in the forms of Treasury Checks to the Social Security recipients, when they could take to their local bank or merchant and deposit or spend.

Now, ALL THOSE BILLIONS OF DOLLARS flow DIRECTLY into Comerica Bank, where they are held "in trust" in a depository account set up for the sole benefit of the Social Security recipients, who are issued a Master Card Debit Card which they supposedly can use to pay their bills with.

Comerica Bank set up a website that the cardholders supposedly can use to direct the bank where to send the funds to and Comerica charges the cardholder a FEE to do so, and the web form requires a bank routing number and account number and amount to be entered.  But the website is "down for maintenance" EVERY time I attempt to pay a bill this way.

The website lists a phone number and PO Box only to resolve problems or reach "Customer Service."  There is NO alternative.  No website chat feature, etc.

The phone number is a robotic call preventer.  There is NO option to reach a live person.  The call system is operated by a contractor, Xerox subsidiary ACS.  Yes, that is the SAME company that filed bankruptcy.  The SAME company that scammed MILLIONS of dollars from suppliers, employees and customers, only now they are scamming customers of Comerica Bank by refusing to answer the phones or even allow callers to speak to a live agent by pressing "0."

The call prevention system does not recognize standard DTMF "touch tones" from cell phones or VOIP systems, coin phones, or many office PBX based phone systems.  There is NO ALTERNATIVE WAY OF REACHING A LIVE PERSON TO RESOLVE PROBLEMS.

So MILLIONS of Social Security recipients have their CREDIT RUINED because it is IMPOSSIBLE for them to gain access to their account via the internet or telephone, IMPOSSIBLE to transfer funds via the website or call center, and IMPOSSIBLE to reach a LIVE customer service person to help resolve the problems.

This results in Comerica Bank having wrongful and prolonged custody and control of HUNDREDS of MILLIONS of DOLLARS of money that rightfully SHOULD have been transferred to other banks as intended or directed by the cardholders/customers, but which they do not allow to be transferred because of the antiquated/obsolete website and phone processing program and fraud operator they have selected to operate their call center.

This policy and practice earns Comerica Bank MILLIONS OF DOLLARS on the overnight money markets.  Money they do not lawfully deserve.  Money that legally is owed to other banks, which they REFUSE to process or allow to be processed in order to continue this FRAUD on a DAILY BASIS, every day of the year, year in and year out.

Comerica Bank Headquarters refuses to allow customers to speak with an Ombudsman or Customer Service or Complaint Department about this FRAUDULENT and unlawful practice.  The Texas Banking Commission claims they do not have jurisdiction to investigate these activities by the bank since their real "customer" is the US Government, by contract, and the actual Social Security recipient is NOT the ACTUAL customer of Comerica Bank.

The Treasury Department Inspector General's Office does not take complaints about Comerica Bank's fraudulent and deceptive policies and practices.  There is apparently NO AUDIT of their website, the call center, or the monies this bank has converted to their own use by virtue of their felonious and unethical conduct.

Social Security recipients are WARNED to be wary of dealing with this bank.  If Social Security tries to set you up with this bank, be aware that you are better off instructing them to deposit your funds in a bank you KNOW and TRUST -- such as a local community bank or credit union.

 EVER allow your money to be placed in the custody or control of Comerica Bank.  I have been a private investigator specializing in investigations of financial crimes and civil frauds and have had dealings with nearly every major national bank.  There is NO DOUBT that by virtue of it's CLEAR PATTERN AND PRACTICE of continuing criminal activity and behavior that Comerica Bank is an organized criminal enterprise operating over state lines, converting funds intended by the US Government Dept of the Treasury and Social Security Administration to be held for the sole use of the US Citizens, taxpayers, and SS recipients, but which are knowingly and willfully converted to the use of the bank by depriving the "consumers/customers" of their funds by REFUSING to provide a reliable and secure and functional website which will allow them to access their account, disburse their personal funds as they intend, and provide a customer service call center to help the customers when the web site or phone systems fail.

The call center employees refuse to identify themselves by name or employee number, refuse to provide the city or state they are located in, refuse to identify their supervisor or provide his direct phone number, refuse to identify the operator of the call center, or the name of the bank or address of the bank for the purpose of service of process.

These are ALL hallmarks or traits of SCAMMERS and FRAUD OPERATORS.  There is NO DOUBT whatsoever that Comerica Bank and Xerox ACS are operating an organized criminal conspiracy to defraud their customers of access to and control of their money to the detriment of the customer.

This writer is willing to participate in or help organize a CLASS ACTION lawsuit against Comerica Bank and Xerox ACS.