Consumer complaint received 2015-10-16
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
RE : TCF Bank Debit Card Fraud file number XXXXMy experience with TCF Bank has been plagued with issues, and the latest includes MY ACCOUNT WAS DRAINED BY A DEBIT CARD I DID NOT REQUEST OR HAVE! ( XXXX, I intended to close a checking account at the TCF Bank located in XXXX, XXXX XXXX, IL because I was being assessed a fee for not maintaining an account balance I was not told about. ) I was convinced to try another product - no interest with no minimum or fees. I agreed to keep my money at TCF, but specifically requested to not have checks or a debit cards issued. I wanted to withdraw cash directly. TCF Bank proceeded to assess a fee for checks I did not order ( they reversed the fees after I complained ) and apparently issued a debit card for the account which I do not remember ever receiving. 
Flash forward, I receive a Notice of Overdraft or Adjustment letter dated XX/XX/XXXX stating my account with TCF was overdrawn by {$410.00}. I knew that was impossible because I had not withdrawn cash from the account since XX/XX/XXXX. I immediately called their customer service and was instructed to go to the branch the next day and file a Regulation E/Electronic Transaction Unauthorized Use Claim, which I did. I receive several other Overdraft letters dated XX/XX/XXXX ( {$1200.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX. ) After calling very upset that TCF 1 ) PERMITTED DEBIT CARD TRANSACTIONS ON MY ACCOUNT WHEN I HAD NOT REQUESTED A DEBIT CARD AND IT WAS NOT NORMAL OR CUSTOMARY FOR THE ACCOUNT, 2 ) CONTINUED TO PROCESS TRANSACTIONS AND ASSESS OVERDRAFT FEES AFTER THE ACCOUNT WAS ALREADY OVERDRAWN, and 3 ) DOES NOT HAVE A QUICK REMEDY OR INVESTIGATION PROCESS WHEN AN ACCOUNT IS COMPLETELY DEPLETED. On XX/XX/XXXX TCF bank notified me a provisional credit of {$4500.00} for disputed transactions, and {$140.00} Service fee reversal would be given. 
I THINK TCF IS HOLDING MY MONEY WITHOUT CAUSE. I want to transfer my account to another bank, but am told the balance is provisional and the investigation can take until XX/XX/XXXX. TCF knows I filed a police report and made calls to venders on XX/XX/XXXX and XX/XX/XXXX, and THE VENDORS AGREE THE TRANSACTIONS WERE NOT MADE BY ME. XXXX vender, XXXX XXXX Floor in XXXX, WI XXXX charge of {$3700.00} ) said they have an employee that remembers the transaction and carrier ( a man with XXXX XXXX XXXX ) that picked up the order, and has a receipt but signature is illegible. XXXX XXXX, Building Manager at XXXX XXXX XXXX said the debit card had been called in, and acknowledged the transaction was not made by me. I spoke with another vender, XXXX in XXXX, IL ( charge of {$580.00} ). Per XXXX, the debit card was called in, they have surveillance, and an employee that remembers the man and car who picked up the order. He also acknowledged the transaction was not made by me. With just a few phone calls, TCF could easily determine the transactions were made fraudulently and fully release my money. I think it is wrong that TCF has not fully released my money, so I can close the account and move to another bank that has better systems in place to prevent fraud and track record of releasing funds in a timely manner.

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