TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Problems caused by my funds being low Minnesota

On - - I was contacted by a woman via text message who found me on -, a babysitting site, saying that she wants me as a nanny for her son, -. She said that she would like me to work Saturdays and Sundays only and was willing to pay me $ -/hour for up to 7 hours each of these days because she wanted quality care for her son. In total, I would be making $420.00 per weekend. - said that she is an - and is currently living in Texas as a single mother with her son - and would be relocating to - -, Minnesota for 8 months for a project that she was assigned to for work. - said - specialist advised her to get him a powered wheelchair and she asked me to help her with this process. She said that she would be sending me a cashier 's check for $2800.00. $2400.00 of that check would be going to the wheelchair business and $420.00 I was to keep for myself and would be used as my first week pay in advance. On - -, 2016 I received the cashier 's check for $2800.00 in


account at - -. After making this deposit and with the new $420.00, I now had $1700.00. The man at the - counter that cashed my check said that the check right away went through and he cashed it for me. I also went online later that day to check my balance and it said the same thing, that I had $1700.00. For the next couple days, I use my debit card for a total of 5 times and on the sixth time that I try to use it, my card got declined. Not understanding why my card got declined, I go online to check my balance and it said I have $ -- The reason why my balance was negative was because I finally found out that the check that the woman sent me was fake. Instead of contacting me immediately saying that this check was fake and that I have a negative balance, TCF decides to mail me a letter which I do not receive until a week later. They also decide to charge me $37.00 for each time that I used my card when I had a negative balance. In total, they are charging me $180.00 in overdraft fees. I filed a report at my local police station about the check fraud and they told me to contact my bank ( TCF Bank ) and the bank of the scam artist ( - - ). When I talked to - -, they told me to file a fraud report with my bank and to have them immediately contact - - so that they can put a block on the scammer 's bank account. I then go to my bank, filed a check fraud report, and asked them to contact - - so that they can investigate the scammer 's bank account. A week and a half later I receive - letters in the mail from TCF. The first letter says that they are unable to consider this a check fraud, the second letter says that they are sending my $ -- to a collection agency. When I called the TCF Bank Fraud department to discuss their decision, the lady was very rude to me and told me that she is not going to contact - -. Here are my formal complaints : 1 ) I found out later that TCF Bank was not supposed to cash my check in the first place because I did not have matching funds. The check I was cashing was worth $2800.00 and I had far less in my bank account originally. Had the banker followed the rules and not cashed it from the start, it would have saved me a lot of trouble. 2 ) TCF Bank NEVER contacted - - or made a report to them in an attempt to catch the scammer or help me get my money back. 3 ) They charged me $180.00 in fees when I was using my card without being aware that I had a negative balance. 4 ) Instead of helping me at all, they hurt me further by sending the $ -- to a collection agency.