TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Using a debit or ATM card Illinois

RE : TCF Bank Debit Card Fraud file number -My experience with TCF Bank has been plagued with issues, and the latest includes MY ACCOUNT WAS DRAINED BY A DEBIT CARD I DID NOT REQUEST OR HAVE! ( -, I intended to close a checking account at the TCF Bank located in -, - -, IL because I was being assessed a fee for not maintaining an account balance I was not told about. ) I was convinced to try another product - no interest with no minimum or fees. I agreed to keep my money at TCF, but specifically requested to not have checks or a debit cards issued. I wanted to withdraw cash directly. TCF Bank proceeded to assess a fee for checks I did not order ( they reversed the fees after I complained ) and apparently issued a debit card for the account which I do not remember ever receiving. Flash forward, I receive a Notice of Overdraft or Adjustment letter dated -/-/- stating my account with TCF was overdrawn by $410.00. I knew that was impossible because I had not withdrawn cash from the account since -/-/-. I immediately called their customer service and was


CARD TRANSACTIONS ON MY ACCOUNT WHEN I HAD NOT REQUESTED A DEBIT CARD AND IT WAS NOT NORMAL OR CUSTOMARY FOR THE ACCOUNT, 2 ) CONTINUED TO PROCESS TRANSACTIONS AND ASSESS OVERDRAFT FEES AFTER THE ACCOUNT WAS ALREADY OVERDRAWN, and 3 ) DOES NOT HAVE A QUICK REMEDY OR INVESTIGATION PROCESS WHEN AN ACCOUNT IS COMPLETELY DEPLETED. On -/-/- TCF bank notified me a provisional credit of $4500.00 for disputed transactions, and $140.00 Service fee reversal would be given. I THINK TCF IS HOLDING MY MONEY WITHOUT CAUSE. I want to transfer my account to another bank, but am told the balance is provisional and the investigation can take until -/-/-. TCF knows I filed a police report and made calls to venders on -/-/- and -/-/-, and THE VENDORS AGREE THE TRANSACTIONS WERE NOT MADE BY ME. - vender, - - Floor in -, WI - charge of $3700.00 ) said they have an employee that remembers the transaction and carrier ( a man with - - - ) that picked up the order, and has a receipt but signature is illegible. - -, Building Manager at - - - said the debit card had been called in, and acknowledged the transaction was not made by me. I spoke with another vender, - in -, IL ( charge of $580.00 ). Per -, the debit card was called in, they have surveillance, and an employee that remembers the man and car who picked up the order. He also acknowledged the transaction was not made by me. With just a few phone calls, TCF could easily determine the transactions were made fraudulently and fully release my money. I think it is wrong that TCF has not fully released my money, so I can close the account and move to another bank that has better systems in place to prevent fraud and track record of releasing funds in a timely manner.