Consumer complaint received 2017-12-31
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Tcf bank has been giving same problem. I opted out of overdraft but they will charge a fee then claim to waive it only for me to find it on my statement. 
The account was set up for my XXXX XXXX son benefits. 

I have been suspicious as when i opened the account the rep took a duplicate colored picture of my social security card and drivers ' license. 
I noticed and caught on to something finally when there was a lump amount of back pya released from us treasury onto my sons ' account. 
So i finally see that the regular payment that was deposited later seemed to be missing and the amounts did not add up. 
The printout from branch to branch should match up right? Wrong. 
My mailed statement does not have the same transaction as what the teller gave me after typing in some sort of word excel document then printing out a statement for me. 
I called customer service and when i questioned fraud was hung up on. the rep said they only saw 1 transaction of 150 dollar transfer yet my statement is showing two and one for 100 that i do n't recognize and the ones i do n't recognize seem to total to the amount of the regular issued check that i wasnt aware of. The rep acknowledged that if my statements are different from what they see there would be an investigation. I have not had any correspondence yet and they are refusing to dispute the transaction that i show them is not adding up to the regular mailed bank statement and nor are the online transactions adding up. The online looks like a powerpoint or excel document where it can be easily edited amount and merchant?! 
The transfers normally would show the customer what account money is being transferred to so when i call i question but on their end they claiming its going to my checking on my statements it lists the account if and when i make a transfer to what account its going to. The transactions in question are not listing the accounts being transferred to yet they say they see it on their end but my bank statements show the transaction with the account that im familiar with. The ones that do n't have the account number are the transactions i do n't recognize. 
My son has XXXX and i opened this account thinking i could trust tcf but something obviously fishy is going on here. They also today claimed there was a call in transfer from savings to checking when i said it wasnt me they changed the story and said it was an online reoccuring transfer that i did not do because i was always locked out of online until today i have not had access to my online account. The representatives kept making different excuses everytime i presented evidence that the transactions do n't match. i have statements from 2 different branches assuming they have the same information yet they do not match up. How long has this been happening?! They get upset as well and threaten to close the account when i said i suspect some kind of fraud! I do n't know how they are able to generate false statements but i feel they have been deceiving me and taking advantage of my situation assuming i wouldnt pay attention but i do n't understand. Please help as it is clear that somehow money is being stolen from my XXXX XXXX childs ' account and or possible mixup. 
Also the account keeps being changed so they charged maintenance fees yet when i signed up it said no maintenance fees. He the representative waived them for this month that they charged but i do n't know how long they have been charging these random fees. The account was supposed to be free checking and free savings power savings with no fees. 
i can be reached XXXXXXXXXXXX attached you will see they told me today there was a transfer of 300. dollars but they statement is showing that transaction happened yesterday which was not me. They changed the story everytime i let them know i was looking at my transactions.

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