Comerica Mortgage Complaint

Comerica Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Michigan

Sunday, - -, - To Whom It May Concern : My Name is - -. I live in - -, -. In -/-/-, I took out a home equity account in my name only. I have been told by loan officers that the loan was n't even legal. I n - you must have the wife and the husband sign the loan. Comerica never had my husband sign the paperwork. I took a $40000.00 loan form Comerica ; the account # is - and since the inception of the loan I have been making the monthly payments. In -, I noticed that my statements were no longer being delivered to my home. Furthermore, when I went to make payments in person at that time I inquired about the loan balance with one of the bank tellers helping process my loan payment. I was told by the teller that they were not able to pull up my loan information on their screens. When I finally was able see my loan information at the bank-you 'll recall that for some reason I was not receiving the statements by mail-I discovered that my loan balance was now more the $65000.00.


such info-including checks written on the loan- yet to no avail. -/-/-, I went to the Comerica branch in -, - and a bank associate named - - tried to assist me by sending fax to Comerica headquarters asking for the account closure papers. Again, no documentation was forthcoming. In - of that same year, I returned to the - - - branch and, after speaking with the branch manager, I was informed thy would put a freeze on the account and do an investigation. I was not given any further information at that time other than that the account number had been changed to - and was showing it was opened in - -. After my countless attempts to get to the bottom of the problem, I hired a lawyer, - - of - -, to assist me in my attempts to fix the situation. I was still making payment on this account, but my lawyer advised I should stop making payments to get the attention of the bank. In -/-/-, - - from Comerica Quality Control ( - ) said she would be assisting me and that my non payments would not result in my home going into foreclosure. Yet -/-/- I receive notice that the bank was foreclosing and that my house would be sold at auction by the county sheriff. I was devastated and confused as to why I was about to lose my home because of fraudulent activity I was not responsible for on my loan account. I also filed a report with the local county sheriff 's office regarding - unauthorized checks that were written against the account. My efforts have spanned nearly 6 years and the costs associated with trying to resolve this matter have been in the thousands of dollars yet I am still paying on a fraudulent account activity that led to my loan balance increasing. I was on - during part of this time which, in turn, lowered my overall income. Given my limited income, I had a certain portion of my monies earmarked for regular living expense which had to be diverted to service the loan debt. I need relief from this burden which has taken more than just an economic toll on me. I do n't know what else I need to do to enlist your assistance other than to say : Please Help! If there is anything you need from me to help bring this to a conclusion, please instruct me. I will do whatever is necessary.