Comerica Bank Online banking security detroit, Michigan

Calling and pretending to be one of the individuals on the account is wrong and the bank should find ways to avoid this happening - Of course it is wrong.  But is it not only wrong...it is ILLEGAL, and known as Identity Theft.  A bank can only do so much, and in a way you are right it doesn't matter if this is a family or a stranger.  If either of those groups have enough information on you..they can gain access to your account. 

There is only so much any bank can do, but keep in mind they did refund the money and are now investigating this account that is in dispute.  There is obviously enough for them to do further investigation, so you can't now complain that they aren't doing something because they are not automatically taking anyone's word(not even yours) for it and doing exactly what you want them to do..protect the money.

Now sometimes unfortunately family members are more likely to be able to fake identities because they have easier access to this more private information.   But if you truly think that it does not matter if it is a stranger or Family Member then you also have to be willing to treat them the same.  So why haven't you gone after this family member criminally?  You would do it if it was a stranger right?  If you are not willing to do this..then contrary to what you think it does matter if they are a family member or stranger.

And once again..there are things you are not posting.  One thing is that you mention the State Department and DHS(Department of Homeland Security?) and neither routinely( that I have heard) get involved in family disputes.  So this account has probably many more questionable things going on than just your family member who is trying to access the money. 

It is really at the point a case of just repeating myself..so I will just say once again good luck and how ever this "family" situation works out you get the resolution you want.  But putting it all on the bank is incorrect and you really need to be looking at this from a different perspective.

Does it make a difference if its a family member or complete stranger? Whom ever is on the account is the only one to have access. Calling and pretending to be one of the individuals on the account is wrong and the bank should find ways to avoid this happening. How would you like it if someone gain access to your account?

If the average person can get through. You as a company have failed to offer the security of individuals accounts
- This was NOT just some random person off of the street.  This was a family member who apparently has enough information and proof that they had a right to the account that Comerica initially accepted it, but are now investigating the situation because of this dispute.

Keep in mind I am not defending this bank nor am I an employee of this or any bank.   Just pointing out that there is obviously more to this story than you are posting here.

Comerica evaluate your online security procedures. If the average person can get through. You as a company have failed to offer the security of individuals accounts. Customers you should evaluate if your account is safe from anyone calling and getting access.

Your issue isn't with the bank it is with your "family member".  There are obviously things being left out of your story.   Such as why haven't gone to the police and had this "family member" arrested.

If Comerica had this huge security hole in your opinion, why when you discovered it just transfer the money to another account? It is apparent that this "family member" has enough information on you to convince them they are you..did you really think they wouldn't be able to do that with another account.  Not that the Office of the Comptroller would do anything, but even so why are you waiting until after the family matter is being resolved before you report it to the Office of the Comptroller? 

How does a large bank and a state department not investigate this issue properly?
- Actually it looks like they are.  This is Standard Operating Procedure...when there is a dispute of the money the standard action is to basically freeze the money until it can be determined what is going on.  If they just took your word for it they would be doing exactly what you are complaining about..having them act as judge without knowing all of the facts(and yes...I would bet that you are not giving them all of the facts or the facts you are giving them are a bit skewed to your favor).

Hope everything works out for you.