Consumer complaint received 2018-09-13
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: Can't stop withdrawals from your account

Complaint:
On or around the end of XX/XX/2018 or early XX/XX/2018, I contacted my local bank TCF located at XXXX XXXX XXXX XXXX XXXX XXXX, Co about overdraft fees on my account only to find out that the vendor was not authorized to charge my account and the Bank stated that I should come in and get a new check card and that they would also waive the overdraft fees. Unbeknownst to me at the same time I had cancelled a subscription with XXXX XXXX XXXX XXXX XXXX XXXX in late XX/XX/2018, I would have never known until XX/XX/2018 that TCF Bank had allowed my account to be charged recurring charges from XXXX XXXX XXXX even though I had cancelled the services with them { XXXX } back in XX/XX/2018. Because TCF allowed my old debit checking cards whether they were deactivated or active to stay on my personal checking account without deactivating them it propelled me to go to my local branch and file a complaint with my Branch Manager XXXX on XX/XX/18 demanding my money back from TCF not XXXX XXXX XXXX XXXX XXXX  even though TCF Bank acknowledged that it was 2 bank check cards associated with my personal checking account they immediately cancelled the card that XXXX had been billing for on a recurring basis on XX/XX/18 and stated that it should have never happened and that I should be getting a refund within 3 to 5 Business days only to be told that it's my fault that I didn't request for my cards o be cancelled after I gave them back to the bank. I was also told that several complaints had been filed for me regarding my complaint and was told by several Team Leads, that I would be refunded {$44.00} and that TCF 's Dispute Department would also be going after XXXX XXXX XXXX XXXX XXXX XXXX for the balance of money that had originally been drafted from my account since XX/XX/2018 when I previously cancelled my subscription with XXXX a service I purchased I believe in early XX/XX/2018. I stated to TCF Bank that his is not a XXXX issue it's a Bank error on their behalf because they should have protected my account against theft if the company knew that a customer shouldn't have multiple bank check cards associated with only 1 checking account, but according to TCF Bank and their reps a poor XXXX person as myself with a fixed income can have how many cards on their or vendors or whatever to get money from without your knowledge because that's what happened to me. I've been in touch with several customer service reps, team leads as well as my Branch Manager who originally filed my complaint. After 17 business days awaiting a refund from TCF 's Dispute Department because that's what I was told every since XX/XX/18 until as recently as XX/XX/18- XX/XX/18-XX/XX/18 I was told by rep 's in the Dispute Dept. that my account would be positive by XXXX. This morning I contacted TCF Bank only to be told that they thought I had a Fraud case and being that I don't they will not be giving me any money back on my account but will continue to try and get the funds from XXXX XX/XX/XXXX. I would like to know how is it that I only had 1 bank check card in my possession and it wasn't the one that XXXX was charging and being told by TCF that customers don't have 2 bank check cards associated with 1 account but can have 2 checking accounts with 2 check bank cards which I didn't have with TCF but yet it's okay for you to have active bank cards on your 1 and only bank account for anybody to charge because they were never deactivated. In closing I would also like to know when has it ever been up to the consumer to make sure that our Financial Institutions cancel personal information off of your bank account or credit cards, bank check cards etc, so that companies or scammers, hackers can't continue to abuse or utilize your information for self gain or interest, it's to sad to know that although TCF calls me one of their most valuable customers who have been with the Company for years and always strive to return surveys to the Company to show my appreciation for a job well done with any Rep, or Manager as well as complain when it's not to my satisfaction. Today is a day I would like all consumers to know that because of your Agency the CFPB people like me the less fortunate have someone who can show these flawed companies that little things count the most and to stop misleading or misrepresenting what the Company 's true dedication is to their customers because it's not fair to feel as though you can't trust your bank when the company is truly at fault and not willing to admit let alone take care of their consumer

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