Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (AZ)

Please find attached the signed certified proof of reception of the certified mailed request letter, verifying that TCF Bank has received my request letter as written below.

In regard to : TCF Bank Corporate office From : Checking Account holder, Customer Hello, my name is Mr. XXXX XXXX XXXX, Date : XX/XX/XXXX Subject : A. [ I am hereby requesting A full account of the bank Record ]. 

My funds totaling exactly {$15000.00} were mishandled, and not deposited according to my instructions to deposit the funds into my account which the account will show the funds were not found in my account, but against my request the funds were diverted into a miscellaneous account or lost money account. 

Prior to the TCF Bank ' partial bank merger with XXXX XXXXXXXX XXXX XXXX, I had been working with The TCF Branch Assistant Mgr, Ms. XXXX XXXX, at the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX We, the Assistant MGRS. MsXXXX XXXX XXXX, and I, were working on submitting my request for the Full accounting of the Bank record. regarding my checking account, unfortunately, and outside of our control, all branches in the XXXX, Az state area had been acquired due to the bank branch acquisition of XXXX  XXXX XXXX XXXX. 

Therefore, I am hereby requesting both [ A copy of the Full Accounting of the Bank Record ],, from XXXX XXXX to XXXX XXXX ], where you will find the entry of my funds, the whole sum of {$15000.00} which I brought in and instructed the teller to deposit into my account, but the records will show that the funds were never credited to my checking account, which will be found within the records of the full accounting of the bank record. 

This report will locate my funds which the teller disobeyed my request to deposit into my account but instead recorded in as " lost money, or a similar account entry on or about XX/XX/XXXX. 

My checking account number is : XXXX My name is Mr. XXXX XXXX XXXX : My phone number is XXXX. 
My social security number : XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX On XX/XX/XXXX, I visited the 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XXXX XXXX, XXXX, MI XXXX, At between XXXX and XXXX I visited the above branch to deposit my {$15000.00} which I had withdrawn from my XXXX XXXX  account, in cash funds to deposit into my TCF checking account, however, the teller maliciously acted against my request, and miss diverted my funds instead into a lost money category instead of just depositing my funds into my account as I requested! 

I have had many discussions with the bank ever since this happened until today, finally, I am requesting a : Full Accounting of the Bank Record.

Since that day it happened, I have been fighting to obtain my funds back to my possession. Most recently, from XX/XX/XXXX to XX/XX/XXXX, I had been working closely with the TCF assistant bank manager by the name of MsXXXX XXXX XXXX. 

After I had just recovered the bank account numbers, we had all that we needed in order to submit this request to you at the Corporate office, that was until I called one day and all of the branches here in the state of AZ were assumed through a bank branch acquisition. 

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 customers counter, and saying : Yes, its {$15000.00}, 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 acknowledge my banking information, nor to 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 XXXX teller said no, and said " Yes Thanks for bringing it in. '' As if a person like myself should not have that amount of funds, and that I must be just turning it in. 
At this point 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. 
I then pulled out my cell phone to contact the police, and that is when the TCF Bank teller changed and said : " Check back at XXXX XXXX, your funds should show up in your account by that time. I continued to call the police, but the police operator denied me a unit, and said : This was not an emergency, but a civil matter, and to call a lawyer. 

Being turned off from that branch, I checked back by phone and 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 Ms. 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 south western US were acquired by XXXX  XXXX, XXXX XXXX. 

Finally, my chief advisor instructed me to request an accounting of the full bank record on and just after the date of my aforementioned visit.