Consumer complaint received 2018-04-24
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom it may concern, I am filing this complaint on TCF BANK due to failing to process a deposit of {$5000.00}. I called TCF bank corporate and informed that of said problem on XX/XX/XXXX, as I become aware of missing deposit upon receiving my bank statement. I was instructed to call on XX/XX/XXXX as the tcf branches were already closed. I called on XX/XX/XXXX and spoke with several tcf representatives from cooperate requesting to investigate said matter. Both branches were called at about XXXX, Branch in XXXX and Branch in XXXX ( located at XXXX XXXX XXXX ). I had made several personal/business transactions on XX/XX/XXXX and XX/XX/XXXX ( between XXXX XXXX-XXXX, which include deposits, withdrawals and cashier checks. During my initial conversation with TCF cooperate, TCFs XXXX informed in less than 10mins that they had no overages. furthermore, the TCF representative informed me that TCF XXXX would reach out later to inform on their review. TCF @ XXXX informed me at about XXXX, XXXX XXXX- Manger, that they had reviewed all transaction tapes and found all in order. I called TCF cooperate and informed that I wanted to escalate matter to an investigation. I had also question as why TCF BANK @ XXXX had made such a quick assessment in less than ten minutes regarding my matter. The representative called TCF @ XXXX as I am requesting an investigation. I then Learned that the manager was the teller that process my transactions on XX/XX/XXXX and questioned the process being a conflict of interest and addressing an investigation at the branch that will not be bias. The representative transferred me to tcf bank manger XXXX XXXX, who asked question, reiterated matter, and question how I would be speaking to the teller who processed my account on said date and if her response was the same as earlier that I would be very very upset. at this point, I am stating that the money has been stolen by their employee ( s ). XXXX XXXX also questioned me about having a copy of receipt and I informed him that I have the tellers shred paper transactions as I don't like the multi print with high balance being reported ) Also, asked when the other manager, XXXX XXXX, who oversee the teller would be available and asked that I go and check. I then informed that I was not in the vicinity and could be verify that information. I was then placed on hold and then informed by XXXX XXXX that XXXX will return from her vacation until XX/XX/XXXX. I questioned the issue and having to wait a week to peruse the investigation. XXXX XXXX informed that I would need to wait until XXXX XXXX came back. I received a call from XXXX XXXX from TCF Branch @ XXXX at about XXXX, ( was also the teller that process my transactions ), questioning me with the transactions that took place and I reiterated to her that she knows the transactions that took place as she was the teller and by now she should be cleared on the status of the {$5000.00}. cash deposit. She reported not having said information and needing to review the " tape ''. I then stated that she should have already done so, as I have being calling since yesterday and to call me back with the correct information. I have attached documentation that attest that I was at TCF bank making several personal/business transactions on XX/XX/XXXX and XX/XX/XXXX.  please see attachments that verify some of my banking transactions that took place on said dates, I am very limited because I don't have a copy of my deposit receipt due to asking the teller to shred it. 

Sincerely, XXXX XXXX and XXXX XXXX

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