Consumer complaint received 2022-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The incident arose when I visited the above TCF National bank branch, after I had pulled out my envelope of funds, and then handed it to him and asked him to count my money and to confirm that it was {$15000.00} even? Which he, the teller, did and then verbally confirmed it, using the money counting machine on the tellers counter behind the teller 's counter, and saying : Yes, its {$15000.00}, that's pretty good, Thanks, you did the right thing by bringing it in. I then told the teller to deposit the cash into my account, I then tried to give him my account information, but the teller immediately refused to take my banking account information, saying : No. and refused to accept it, waiving it off, holding up his hands in a resistant stop motion. 
The teller refused my banking information, nor did the teller access my account, and flat refused to deposit my {$15000.00} in cash funds which I had just given him to count, I then asked him to give me a receipt for my funds, the TCF teller said no, and said " Yes Thanks for bringing it in. '' As if this was not my own money, as if I were some good Samaritan bringing in lost money, as if I, " an XXXX American person like myself would not have that amount of funds, and that I must be just turning the funds in. '' At this point I didn't realize he was XXXX profiling me, I thought I could be speaking to a bank robber behind the counter, and I was afraid to further press the issue fearing that he might harm me for not accepting him as a bank teller. I then pulled out my cell phone to contact the police, and that is when the TCF Bank teller changed and began to repeatedly say : " Check back at XXXX XXXX, your funds should show up in your account by that time. I continued to call the police, the police operator denied me a unit, and said : This was not an emergency, but a civil matter between me and my bank, '' the TCF teller then said check back at XXXX and my funds will be posted and deposited into my account, When I didn't get a response from police, I was more afraid, and I left the branch, and felt lucky to be alive, wondering that if it were a bank robber, I was not taken hostage, yet I was traumatized by the event, I realized that I had been racially discriminated against and my money was stolen from me by the this teller, I was both running out of the bank, and leaving my money behind, to save my life, as I thought this had to be a bank robber. Later, I wondered how he was going to deposit my funds, when he had just refused my checking info and ID, I realized that if this was a legitimate teller, then though he didn't deposit my funds into my account, that he must have deposited my funds within the bank 's own alternate account for " lost funds, which will also show up in that TCF account, and in the TCF accounting records of the bank activity for that day of XX/XX/XXXX. 
Being fearful of returning to that branch, I checked back by phone as when I checked on line banking, to confirming that the funds had not been deposited into my account as I initially requested. 

I inquired by phone to the branch, but the branch had not posted the funds, I checked back in person at a different branch, and they did not record the funds ever being deposited into my account. Meanwhile, I checked back again periodically meanwhile I had continued at different branches, and called in to customer service inquiring of that large deposit that was diverted away from being deposited into my account, no one helped me to open an investigation I then continued to try to resolve this matter with the bank itself making many calls, inquiries and discussions. 
My account was subsequently closed, and at the time I was managing a busy mortgage branch. As time went by, I sought council from my new bank who advised me to ask for an investigation. Just after that my mother was horribly injured in a car accident and I was required to move in with her as her caregiver until she recovered, during this time I briefly misplaced my banking account number, but continued to call and seek to track down and locate my mis-directed funds, and later was able to retrieve my bank account number from my tax. documents. After locating a local TCF National Bank branch where my mother lived, in XXXX AZ, I continued working with an assistant manager XXXX XXXX XXXX, and as we were readying the final pieces of information to submit the case to the Corporate office, all the branches in the XXXX XXXX US were acquired by XXXX XXXX XXXX XXXX  Finally, my chief advisor instructed me to request : A Full Accounting of The Bank Record on and after the date of the incident, XX/XX/XXXX. 

TCF has not fulfilled my lawful request, and continues to obfuscate my request, by referring to my TCF bank account instead of TCF 's own bank account records, which are not subject to 7years, but apart of the full accounting of the bank 's record, which I have voluminously requested.

I request that CFPB require TCF Bank, to please provide me, and CFPB, with the [ FULL ACCOUNTING OF THE BANK RECORDS for XX/XX/XXXX and after ], and to stop referring to my old TCF Bank account, as the money which TCF Bank has stolen, confiscated, and taken, was not deposited into my account as I requested! Please order TCF Bank, whom has also, in XXXX, merged with Huntington Bank. 

Please order TCF Bank, whom is also now known as Huntington Bank, to give over the TCF FULL ACCOUNTING OF THE BANK RECORD from the day of my visit XX/XX/XXXX in the Branch of Michigan TCF Bank branch # XXXX. At XXXX XXXX XXXX, XXXX, MI XXXX, At between XXXX and XXXX I visited the above branch to deposit my {$15000.00}, and the above is truly what happened.

Company response to consumer: Closed with explanation