TCF NATIONAL BANK

2019-07-30

Kelly Usa Br, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-29

Calumet Park, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-29

Mesa, AZ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-25

Chicago, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-25

Randolph, MN

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **. _________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-23

Randolph, MN

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-23

Falcon Heights, MN

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-21

Randolph, MN

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: 2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ). 2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-20

Bellaire, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-17

Palm Harbor, FL

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-17

Bedford Park, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-17

Canton, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-15

Inkster, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-07-14

Spencer, MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I was applying for a car loan in XX/XX/2017, and the dealership rate shopped me. One particular financing company, Gateway One, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted Gateway One directly already, and they were extremely rude. I also contacted XXXX, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. Additionally, XXXX only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-14

Bloomington, MN

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unwanted marketing or advertising
Complaint: TO : Consumer Financial Protection Bureau RE : APPEAL OF FRAUD CLAIM ( Initial Claim made on XX/XX/XXXX ) DATE : XX/XX/XXXX After reviewing fraud claim dated XX/XX/XXXX with The Consumer Financial Protection Bureau and The Federal Trade Commission, she is appealing TCF Banks previous denial for her fraud claim. She is requesting reimbursement for the XXXX gift card purchases fraudulently requested via an imposter of her IT support subscription service, XXXX, XXXX. Bank letter denying fraud claim dated XX/XX/XXXX ( attached ). Wed, XX/XX/XXXX : a representative from XXXX, XXXX, ( imposter of an IT Consumer Support Company ), contacted a Senior Citizen from XXXX XXXX XXXX, MN via her mobile phone, ( XXXX service provider ). As a service subscriber, she accepted the call. The XXXX Representative, ( XXXX ) informed her that XXXX was going out of business/re-organizing and he was authorized to issue her a refund of {$390.00}, ( XXXX XXXX and XXXX dollars ) based on the unused portion of her subscription service. As an IT service provider, XXXX had previously had access to her computer for repair and cleaning purposes. He told her to access her online bank account information so he could deposit her refund. XXXX insisted she stay on the phone with him to confirm her refund deposit. XXXX called again and explained that he had erroneously deposited {$3900.00} rather than {$390.00}. He told her he would lose his job unless she returned the overpaid funds. He pleaded with her to purchase XXXX gift cards to rectify the overpaid funds as the company was closing and they had no accounting department. He requested to stay on the phone with her until she drove to XXXX and purchased the gift cards, then he asked her to go home before reading him the card numbers and codes over the phone. XXXX stayed on the phone with her until she read all the numbers and then insisted she cut up and dispose of the XXXX gift cards and burn the receipts. She cut up the cards but kept all card pieces and receipts, which are attached. XXXX also asked her not to access her online bank accounts until he was able to finalize her refund. He called her again stating that the XXXX gift cards had no balance and that XXXX was having technical difficulties with their gift card system. He asked her to go to a different XXXX and purchase additional cards, which she did. He further explained he had already deducted the previous {$3000.00} from her account, and so, would make another deposit of {$3000.00}. She verified the deposits into her checking account and asked XXXX if he could see or had access to any of her other bank accounts. XXXX guaranteed that the XXXX system only allowed them to see the deposit of funds. Thu, XX/XX/XXXX : XXXX called her stating that due to XXXX technical difficulties, the second gift cards also did not work. He asked her again to go to yet another XXXX and/or XXXX to purchase the gift cards. Again, he stayed on the phone with her the entire time from her home to XXXX and while purchasing the cards, insisting she wait until returning home to read the card numbers/codes to him. Fri, XX/XX/XXXX : XXXX called her stating the 3rd XXXX gift card also did not work. He further informed her that due to their systems being shut down and the company restructuring, they were now only permitted to use increments of {$10000.00} for all transactions. He asked her to purchase {$7000.00} in XXXX gift cards and that he would make a deposit of {$10000.00} in order to rectify her account. She purchased {$7000.00} in XXXX gift cards, while XXXX insisted to stay on the phone with her. XXXX insisted she not access her online bank accounts as this would inhibit him from rectifying her account. She saw a deposit of {$10000.00}, however it was in her savings account rather than the previous deposits, which were made into her checking account. She also saw that the original {$3900.00} deposit by XXXX XXXX XXXX was actually transferred from one of her other TCF bank accounts. She immediately drove to her local TCF Bank to change her passwords. The TCF Bank Representative told her not to freeze her accounts as changing her password would prevent any unauthorized transactions. She then called the cop-shop, her local Police Department hub in XXXX XXXX XXXX, MN to report possible fraudulent activity. She further disclosed all of the XXXX gift cards purchases requested by the XXXX company. Officer XXXX filed a Fraud Claim # XXXX for XXXX. Mon, XX/XX/XXXX : She drove to her local TCF Bank and requested to speak with their Bank Manager, XXXX XXXX. XXXX notified XXXX about XXXX and that she suspected a credit card scheme. XXXX XXXX filed a fraud claim with TCF Bank for her to recover the defrauded funds associated with her XXXX gift card purchases totaling {$16000.00} via her TCF Bank Visa Debit card. TCF Bank sent her a letter declining her fraud claim which stated : Based on documentation from the merchant or other supporting information obtained, we believe you received benefit from one or more of the disputed transactions. We believe that a person you previously authorized to use your card or account made the disputed transactions. TCF has no record that you revoked this permission. She never previously authorized any electronic withdrawals or transfers from her TCF Bank accounts. In addition, at no time did she authorize XXXX, ( XXXX ) to withdraw or transfer monies from any of her bank accounts. She was defrauded {$16000.00} to purchase XXXX gift cards. TCF Bank XXXX did not notify her of any of the bank transfer, as per the Banks Security Agreement. TCF Bank did not send any Alerts or Notifications, even though she had never previously authorized an electronic transfer from her accounts. She notified TCF Bank within 2 business days that she suspected fraudulent activity. Complaints have been filed with the Consumer Financial Protection Bureau, The Federal Trade Commission, The Federal Bureau of Investigation, MN Department of Human Services, and The Office of Minnesota Attorney General. *As per The Federal Reserve - Regulation E, she is appealing her former and original fraud claim to TCF Bank and requesting all debit card transactions are credited back to her TCF Bank debit card, last 4 digits # XXXX. XXXX XXXX TCF Bank Accounts ( ending in ) : 1 ) # XXXX - Savings Account 2 ) # XXXX - Checking Account for tax purposes only 3 ) # XXXX - Checking Account for SS & household utilities 4 ) # XXXX - Regular Checking Account Following lists all dates and activities related to her bank fraud claim : ( she did not make or authorize any of these transfers and TCF Bank did not alert her of any of these unusual transactions as per the banks security agreement. ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$3900.00} into checking account # XXXX ( funds actually transferred from checking account # XXXX ) XXXX fraudulently claimed electronic deposit of {$3000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$3000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$10000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XXXX Gift Card Purchases : ( all gift card purchases were made with TCF Bank Visa Debit card ending in # XXXX ) XX/XX/XXXX : {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX XXXX XXXX, MN XX/XX/XXXX : {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX XXXX, XXXX, MN XX/XX/XXXX : {$5000.00} - ( 5 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN {$2000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN Total XXXX Gift Card purchases : {$16000.00}. ( All original XXXX gift cards and receipts attached ) Following lists US national bank regulations to protect consumers from bank debit card fraud. REGULATION E : Comment for 1005.6 Liability of Consumer for Unauthorized Transfers https : //www.consumerfinance.gov/XXXX XXXX XXXX XXXX Liability of consumer for unauthorized transfers. https : //www.consumerfinance.govXXXX XXXX XXXX XXXX https : //www.consumerfinance.govXXXX/ TCF Liability : " Errors and Unauthorized Transactions '' under the section called TCF 's Liability to You '' in TCF 's Terms and Conditions for Checking and Savings Accounts. If your Account is a Consumer Account, the following limits on your liability apply : If you believe that your Password has been lost or stolen, and you tell us within two Business Days after you learn of the loss or theft, you can lose no more than {$50.00} if someone used your Password without your permission ( except as stated below ). If you do NOT tell us within two Business Days after you learn of the loss or theft of your Password and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as {$500.00} ( except as stated below ). CC : Consumer Financial Protection Bureau, https : //www.consumerfinance.gov Federal Trade Commission , ftc.gov/complaint MN Department of Human Services , XXXX XXXX XXXX, The Office of MN Attorney General, XXXX, Federal Bureau of Investigation , www.ic3.gov Attachments : TCF Bank Letter dated XX/XX/XXXX TCF Bank Statements ( 4 pages ) Copy of all Original XXXX gift cards ( 2 pages ) Copy of all Original XXXX receipts ( 3 pages )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Chicago, IL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Chicago, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Falcon Heights, MN

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-10

Hoffman Est, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Chicago, IL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Burnsville, MN

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-08

NY

Incorrect information on your report

Vehicle loan or lease: Loan

Information is missing that should be on the report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-07

Randolph, MN

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-07-05

Detroit, MI

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2019-07-05

Lansing, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response