TCF NATIONAL BANK

2015-03-20

Harsens Is, MI

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I would like to file a complaint against TCF Bank. On XXXX XXXX XXXX I discovered that {$600.00} dollars was missing from my checking account account and tried to stop the money from posting but because it was on a Sunday the teller said that she could not do anything other than stop my atm card until Monday. The next morning I went back to the tcf branch to file an investigation on my account because someone had used my atm card at a Tcf atm in XXXX Michigan but was informed by the branch manager that the bank could do anything unless I filed a police report with the XXXX police department because thats where the crime occurred. The next day I got a copy of my bank statement a filed a report with police. I went back to the branch to file the investigation with Tcf bank. The bank said that it would be easy to identify the person because they used tcf bank 's atm and they good camera systems. Next they ask me if i gave my pin # to anyone and I told them no! That I did not give my pin to anyone. Next they ask me if I suspected anyone told them no I do n't and that I had not used my atm card in a while since about XX/XX/XXXX but I had just went through a divorce back in XX/XX/XXXX its possible my ex wife could have got a hold of my card when she moved out and I did not authorized her to do anything with my card if in fact she was the person who stole my money. I told them that I have only XXXX card and no one else is on my account. The person who stole my money done a balance inquiry that cost me {$2.00} then according to my bank account statement and started pulling money out. The money that was taken made me short on my apartment 's rent so I had to move out. I continued to work with the bank asking if there was anything else that I could do the manager said no they have their own investigation department and they would be sending me a credit. I got a credit about 10 days later and a few days later I received a response from the investigation department asking for my account as to what happened and it had to be notarized and faxed back. I made another trip back to the bank and filled out the the investigation later and gave them the police report number and had the bank fax it back. Since faxing letter back I had no response from the bank. On XX/XX/XXXX I discovered that the bank had taken the {$600.00} back from my account with no explanation as to why so I asked the manager and she that my claim was denied because I benefited from the theft out of my checking account. At this point I was at a loss because I just loss my apartment and had not heard anything from the bank. The manager said that the investigation was sending me a letter as to their findings but I have not received any letter from them. Then she told me to file an appeal which I done. I do not think that it is fair to accuse me of benefitting from this matter. I followed every instruction from the bank to help with their investigation in a timely manner and ask to be kept in the loop and I heard nothing from them. The branch managers said everything was okay you going to a credit. This the number to the XXXX police department XXXX where i filed the report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-03-20

Mount Morris, MI

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.
Company Response: Company disputes the facts presented in the complaint Closed with monetary relief

Consumer Complaints

Complaints Page 47

Using a debit or ATM card

Bank account or service: Checking account

Problems caused by my funds being low

Bank account or service: Checking account

Cont'd attempts collect debt not owed

Debt collection: I do not know

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Bank account or service: Checking account

Using a debit or ATM card

Bank account or service: Checking account

Managing the loan or lease

Consumer Loan: Vehicle loan

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Mortgage: Other mortgage

Problems caused by my funds being low

Bank account or service: Checking account

Using a debit or ATM card

Bank account or service: Checking account

Account opening, closing, or management

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Making/receiving payments, sending money

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Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Problems caused by my funds being low

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Problems caused by my funds being low

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Loan modification,collection,foreclosure

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Shopping for a loan or lease

Consumer Loan: Vehicle loan

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Bank account or service: Checking account

Problems caused by my funds being low

Bank account or service: Checking account

Account opening, closing, or management

Bank account or service: Savings account

Account opening, closing, or management

Bank account or service: Savings account

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Mortgage: VA mortgage