Consumer complaint received 2017-07-08
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I first made a complaint against TCF Bank on X/XX/17. That complaint, which has not been resolved, is at the bottom of this. <P/>I complained that they opened up my account under the wrong name. I have tried to work this out with them via their phone number, the website and the local office. When I went in to the local office in XXXX, MI, they had me do a " name change '' form, when they are the ones who screwed up my name to begin with. I opened the account under my name of " XXXX XXXX XXXX '', they opened the account under " XXXX XXXX XXXX ''. This is not my name and I have never heard of this, TCF screwed it up. This was in late XXXX 2017, I made a complaint in XXXX 2017, they replied with it was a complete mystery to them how this  happened and it was not their fault. They had the bank account and the debit card with the wrong name. They never fixed it. My account now in XXXX XXXX 2017 still has the WRONG NAME of " XXXX XXXX XXXX '', they claimed that they did n't do this, but they sure have not ever fixed it. I told them to close this account. I have asked them in person, on the phone and in writing to Close My Account since they can not manage the simple task of having a customer 's name correct. It is still open. And under the wrong name. I want this account closed. The employees at this company are completely irresponsible, unprofessional, morons. I want this account closed. <P/>Original Complaint : " I opened up a personal checking account with TCF Bank online on X/XX/17. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. On X/XX/17 TCF Bank said via email that my account was opened, I received nothing.
On X/XX/17 they told me via email that my debit card was in the mail. I received this debit card on X/X/17, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX XXXX XXXX, but instead is XXXX XXXX XXXX! Who is that? I have no idea. On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. I went into the TCF Bank located at : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on this same date, which again was X/X/17. I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on X/XX/17, she calls the local bank in XXXX, MI. The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently X/XX/17 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX XXXX XXXX. This is direct deposit from Social Security. This is a lump sum for XXXX XXXX XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX XXXX XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong. ''

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