Consumer complaint received 2021-06-28
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TCF Bank agent XXXX XXXX, has Lied to me, I sent TCF a certified and tracked letter, which letter the post office obtained from their office a signed receipt proving reception that TCF had fully received the letter at TCF corporate office in Minnesota, where it was directed to, according to the post office. 

When I received that receipt of delivery verification from the post office, signed by TCF banks mail reception, that the letter Id mailed had been signed for by TCF bank, and was delivered, I gave them a few weeks to call back, when they didnt, I called the CPFB, to that TCF responded, but did an incorrect search. I then called TCF bank to discuss the letter, in which I formally requested the review and search of the archives for the : full accounting of the banks accounting record on that day of XX/XX/2005. 

The branch this happened at was : [ Branch # XXXX, Located at : XXXX XXXX XXXX, XXXX, MI XXXX : On : XX/XX/2005, early afternoon ] The letter read, to : please review the full accounting of the banks accounting record ... and reported the teller for the actions which resulted in the teller keeping my {$15000.00}. Yet, when I discussed the letter, I sent with the TCF bank, XXXX XXXX, she denied receiving the letter, denied that the letter was sent, that the letter was received, and that the request was made!? 

I then told Ms. XXXX that it was a certified letter, which her receptionist had signed for, to this she continued to again flat out denied receiving the letter, I said we will circle back to that, but I informed XXXX XXXX, of the mistake she made, explaining that : she mistakenly searched my account. I told her that the funds being sought were not from my account, nor entered into my account, they were wrongfully entered into the full accounting of the banks accounting record and ledger on XX/XX/2005. 

I then re-explained that, when I handed my money $ XXXX to the teller for him to count it, the teller took my money and counted it, but when I told the teller to deposit my funds-and tried handing the teller my banking information, that is when the teller waved me off, refusing to accept my banking information, refusing to return my funds to me, saying : Thanks for bringing it in. but refusing my bank card the teller then followed procedure and deposited my funds into the banks accounting record, in a ledger, with a report, but never did the teller deposit the funds into my checking account. 

Therefore, I explained to XXXX XXXX that the bank has to review both the full accounting of the banks accounting record, and its archived accounting records for the day of XX/XX/2005, for my {$15000.00} dollars which the TCF bank teller refused to return to me, and kept from me and entered it into the full accounting of the banks accounting record, and ledger which will certainly be found in the banks full accounting of the banks accounting records. 

The first thing that the TCF agent, MsXXXX XXXX XXXX, said was to dismissively raise her voice, and to deny that TCF received my written request, and to say that TCF had not received the certified letter. 

I then immediately requested to speak with the persons supervisor, and a manager, which she then raised her voice, and rudely denied me my right to speak to her manager, and supervisor upon request. 

I then spoke with XXXX tried to explain again to XXXX, I then re-stated and reinformed her that that I was not talking about my checking account, this was concerning the Banks record of accounting on the day that my money was kept by the teller and put into the banks record. Not my checking account, I explained that when I visited the bank : XXXX Branch # XXXX, Located at : XXXX XXXX XXXX, XXXX, MI XXXX : On : XX/XX/2005, early afternoon ] XXXX XXXX then said that she was trying to get into the archives, but that she was getting the runaround and unable to get any department to cooperate for my account. This told me that she was still making the same mistake and coming up with the same incorrect information searches because she kept trying to check into my account, instead of where I requested which was the [ banks full accounting banks accounting records, and that she had no authority to properly perform the required search.

Therefore, I, again requested her supervisor, and a manager, she raised her voice at me both times, and both requests she raised her voice again and denied requests for a manager. 

Which I also, tried to explain that I had previously spoken with a manager of archives, who told me that they hold the information in archives, the full accounting of the banks accounting record. 

This person XXXX XXXX denied me again to speak to a manager, who I felt could help her in completing this simple task, but she began yelling : I am the agent on this, over the next few weeks made the same mistake and XXXX gave the same conclusions as regarding my checking account, which was the wrong account instead of following my clear request and instructions to please look into : [ The Full Accounting of the banks accounting records during the date and day of XX/XX/2005. ] This person XXXX XXXX has refused to give me the review which I requested, in light of, considering what the teller has done with my funds, as she even laughed as she kept repeating the same mistake in going back into my account, instead of the banks accounting record, and feeding me back the same results of her initial mistake, looking into my account Therefore, I am, hereby, requesting the : Full Accounting of the Banks Accounting Record for the day of XX/XX/2005, in order to locate my funds in the amount of {$15000.00}. 

These funds were wrongly deposited into the TCF banks branch accounting and are still located in the full accounting of the banks record, and ledger record on the day in question : XX/XX/2005. Because the TCF Branch bank teller refused to accept my banking information which I tried to give him in order to deposit my funds after I had handed the teller my cash to be counted. 

I have been wrongly treated by TCF Bank corporate office and branch office, Thank you.

Company response to consumer: Closed with explanation