TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Deposits and withdrawals Illinois

I deposited a check for $28000.00 into my business checking account at -. The check was made out to my business and a former tenant named -. I signed the check. - did not. The teller - told me he was n't sure if the check might be subjected to a hold. '' I said that did n't surprise me because of the amount, and I said I was fine with a delay of a week or two. - is helpful teller who tries to please, and he did not indicate that there would be any other problems in getting my money other than a longer than usual wait. I am in the bank regularly depositing rent checks for my property management business. After a couple weeks I asked - if she had any news on my $28000.00 that was still listed as unavailable '' in my account. She said that the bank was waiting to see if - - would pay the check because it only had my signature on it. I called my adjustor, and he said - - would pay it. I got a letter in the mail asking for


me she would check into the issue. - called me and told me that if I could not get - 's signature, then I would get the check back. I said that was fine. She said a copy of the check will be sent to you. '' I asked if that copy '' would be a legal check that could be deposited elsewhere. She said yes. I talked to another bank that said they would take the check and deposit the money in my account without - 's signature. The check was never sent back. I called my adjustor, and he said he would put a stop payment on the check and issue a new -. My adjustor called me and said he tried to put a stop payment on the check but could n't because - - had already paid -. I thought this was good news. I called - and told her that TCF had the money from - -, so they could release the hold and make the money available in my account. She said she would check into that. I got a call back from - saying that they would not release the money to my account, but would send it back to - -. She said they would only do this if - - sent a letter requesting this. I called my adjustor. He said he would not send a letter requesting TCF to refund the payment. He said I should work with my bank to get the payment that - - sent. He said - - did as promised - examined the vandalism at my property, offered a claim payout, sent a claim check, and paid the claim funds. - - was done processing this claim. I called - and told her that - - would not send a letter. She told me the only - options were to get a letter from - - or a signature from -. I told her neither of those options were viable. I told her I had the letter - signed releasing his interest in the property. - referred me to - - and asked me to send her that letter. I sent the letter to -. I got a call from - saying I was not supposed to contact -. I told her I would wait for a response from -. The last time I was in the bank I asked to talk to - 's boss. I talked to -, the branch manager. He told me that the signature from - or the letter from - - were the only - options. I told him those options were n't viable. He referred me to the regional - -. I called -, and he said I only had - options and he could not help me. - emailed me back and told me the same thing. TCF has had my money for more than 6 weeks, though they told me they were waiting for - - to pay them. All TCF 's employees say they can hold my money indefinitely if I do not satisfy - of their - options. To me, that seems like theft or fraud or both.