TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Making/receiving payments, sending money Illinois

I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( $190.00 ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of $190.00 to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I


Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.