Consumer complaint received 2017-09-21
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the night of XX/XX/XXXX while I was vacationing in XXXX I became a victim of Hackers using my business checking account making unauthorized purchases while I was receiving phone calls from TCF Bank representative making me aware of this fraudulent purchases, I attempted numerous times to call them back at the number provided XXXX extension XXXX without any response and it was until the next day when I was able to communicate with a representative who immediately said it will cancel my debit card these Hackers were apparently using, at the time they asked me if I lost my card and I responded that I wasnt sure but that I did not have the card with me but it was in my home in XXXX Colorado. I was vacationing in XXXX from XX/XX/XXXX thru XX/XX/XXXX, so I was told and investigation was been in place and that I should receive a response from someone from my bank, all of the sudden no one ever contacted me and I received my 1st notice dated XX/XX/XXXX stating that based on the microchip technology they believe this transactions were authorized because whoever filed the complaint over the phone stated that I had the debit card in my possession which was wrong so I went back to the bank and reenter another claim on XX/XX/XXXX and then again I was told someone will be in touch with me since no one at the bank would be able to help me, until now no one ever call me in the phone and so then I  received my second notice stating the same exact response from the first notice and I went back to the branch and the representative called some number where he was told to tell me to write a letter as I fully disagree with their decision they were taking for the simple reason that they are not making any investigation because every time I use my debit card with or without a microchip I either have to insert my PIN or sign as credit and because I do not have any details of this fraudulent purchases nor I have received any new debit card they said they will send me, By this means, I do ask the Bank to perform a deep investigation and if they believe I made those transactions to proof to me and to give me full details of every transaction that was made fraudulently and that someone communicates with me or if they believe I made those transaction to proof with my signature or PIN with date and time of every transaction until this case is fully clear, the same happens with other business account I have with XXXX XXXX who immediately filed and investigation and reimbursed all of my money from an unauthorized purchases. Thank you very much for your attention in this matter as I expect to clear this matter by receiving full reimbursement of all the fraudulent transactions in the amount of {$2200.00} should you need any further information please call me direct line XXXX to answer any question you may have, thanks Sincerely ; XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation