Consumer complaint received 2021-03-09
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received yet another letter denying my reimbursement for my disputed charges from XXXX. Today is XX/XX/XXXX and the letter is dated XX/XX/XXXX. 
Here is my last emailed attempt to resolve this matter before further legal action. I was again not contacted by anyone in the Dispute Services Department. And to further confirm my dispute is and was fraudulent, I will be contacting the municipality of XXXX to confirm if the Dispute Department even bothered contacting them. I will include the report on here as well. 
-email To TFC Bank Dispute Department , The 3 charges Im disputing were taken place in XXXX XXXX XXXX I have included my hostel/resort/Airbnb and flight receipt to show I was never in XXXX XXXX ( XXXXXXXX XXXX  XXXX, XXXX ). I my flight was direct to and from. 
I used my TCF Bank Debit Card at the following locations ATM on XXXX XXXX on XX/XX/XXXX between XXXXXXXX XXXX XXXXXX/XX/XXXX between XXXX ATM in XXXX XXXX afternoon on XX/XX/XXXX XX/XX/XXXX store in Central XXXX on XX/XX/XXXX I have social media post, and many pictures with digital time stamp and Geo tag to prove I was not in XXXX XXXX. 
The transactions below were not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} In my travels I try not to use my debit card because of international fees. These charges were more than I had in my account. 
I will be filing a complaint with Federal Reserve, XXXX  Consumer Financial Protection Bureau, and have sufficient evidence to take this matter to small claims court. I did not do the charges Im disputing and I did not give authorization for the charges Im disputing. 
Regards, XXXX XXXX end of email- For whom it may concern, and anyone whom can help me and rectify this wrong! 

Back in XXXX while traveling in XXXX, XXXX XXXX, XXXX, my TCF Bank debit card was compromised. I used my TCF Bank debit card at 4 locations. 2 ATMs, restaurant ( XXXX XXXX and XXXX XXXX. I try not to use my TCF Bank debit card because they have an international fee, and my credit card does not. I have never given permission or authorization for my TFC bank debit Card to be used by anyone else. 
On XX/XX/XXXX, my TCF Bank Debit card was used without my knowledge or authorization for the following : {$1500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The three transactions occurred and posted on XX/XX/XXXX this was a Sunday. 
When I noticed the charges on my TCF Bank checking account, I immediately called to disable my debit card and dispute the charges. TFC Bank like most are closed on Sunday, I contacted Visa to stop my TCF Bank Debit card from further use. I sent a message within the TCF Bank App about the charges and how they were not authorized. The following day Monday XX/XX/XXXX I called to create the first dispute and find out the next steps to resolve the unauthorized charges. TCF Bank needed a police report : I headed back down to XXXX from XXXX XXXX, I went to the police station only to be told I had to go to the municipality building. Once at the municipality building in XXXX they told me to come back in the morning to speak to the person in charge of getting reports in the system and copy of report. The report was made, and sent to TCF Bank. The first dispute was rejected, and I called TFC Bank to reopen the dispute. On XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) TCF Bank has informed me that and I quote We are unable to reimburse you for the transaction ( s ) in this dispute case for the following reason ( s ) : We have confirmed based on the microchip technology contained inside your card that it was used to make the disputed transaction ( s ) to have been authorized by you.

1 ) no I did not make or give authorization to these transactions 2 ) I was not in XXXX XXXX at all, my fight was direct to XXXX, XXXX XXXX. And social media can show my activities. 
3 ) why would I use my TFC Bank Debit card when there wasnt enough money to cover these unauthorized transactions 4 ) not once did TCF Bank reach out to me, even after multiple monthly calls to them

Company response to consumer: Closed with explanation