Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TClub Inc
State: MI

Complaint narrative:
________________________________________ Unauthorized Transactions, Withheld Notifications, and Unfair Account Actions I am submitting this second complaint in addition to the issues already raised, regarding Abound XXXX XXXX, where I have maintained accounts for over 17 years. Over the past year, I have experienced a troubling pattern of account mismanagement, unauthorized transactions, and inconsistent documentation that has caused financial harm and raises concerns. 
________________________________________ Summary of Complaint : XXXX. Mishandling of Mobile Check XXXX ( XX/XX/2025 ) : I deposited a check issued to my husband ( from his mortgage company ) into our joint account. The funds were initially made available and then reversed days later without proper notice or explanation. I received conflicting copies of the returned check documentation ( suggesting that the check was deposited as a substitute check ) XXXX via email and a different version via postal mail both of which varied in key details ( including markings indicating the check was altered/fictitious and instructions on whether the check could be re-deposited ). These discrepancies and the credit unions failure to notify me properly led to multiple overdraft fees and account disruption. 

Violations Check XXXX Act : Mishandling of substitute check documentation and reversal despite mailed copy meeting legal standards. 
Regulation CC : Failure to notify of funds hold and delayed notice of return. 
XXXX Account overdrawn. 
Overdraft fees incurred. 
Confusion and reliance on conflicting documentation. 
XXXX Requested XXXX of {$920.00} deposit and overdraft fees. 
Interest on refunded amount. 
XXXX review of Abound XXXX XXXX substitute check handling and notification practices. 

XXXX. Unauthorized Internal Transfer Without Notification : On XX/XX/2025, a sum of {$100.00} was transferred from my joint account with my daughter, XXXX XXXX, to cover an overdraft in her individual account. At no point did I authorize this internal transfer, nor did I receive any advance notice from Abound XXXX XXXX regarding the transaction. I became aware of the transfer only after my daughter mentioned receiving the deposit, as she believed I had sent her money. In reality, I did not initiate or approve this transfer, and I do not have access to her individual account. 
This transaction was processed without my consent, in direct violation of the contractual expectations outlined by the XXXX XXXX and the consumer protection standards established by the XXXX Funds Transfer Act ( XXXX ). The absence of proper notification and unauthorized access to my funds raises significant concerns about the management of my account and adherence to regulatory obligations. 
At the time of account opening, I was informed that we would be able to transfer funds between accounts, but I was not informed that the account would be designated as joint ownership. I would never have consented to joint liability without full disclosure. 
Recently, funds were transferred from my account to cover overdrafts in my daughters account without prior notification. This action has caused confusion and financial harm. I need to verify whether I ever consented to joint ownership or linked overdraft protection. 
Specifically, I request : XXXX. A copy of the original membership application and account-opening documents for my daughters account. 
XXXX. Copies of any joint account agreements or overdraft protection authorizations allegedly signed by me. 
XXXX. Copies of the disclosure statements provided at the time of account opening regarding joint ownership, linked accounts, and Courtesy Pay. 
XXXX. Written clarification of Abound XXXX XXXX current policy on joint accounts versus linked accounts, and how funds transfers between accounts are authorized. 
Purpose of Request This request is made to determine whether proper disclosure and consent were obtained at the time of account opening. The lack of transparency has created confusion about account ownership, liability, and overdraft transfers. 
XXXX. Improper Freezing of Credit Card and Issues with Payment Notification In XX/XX/2025, my credit card with Abound XXXX XXXX ( ending in XXXX ) was unexpectedly frozen without prior notice. This occurred after a monthly payment was short by {$10.00} on XX/XX/2025, despite sufficient funds being available in both my checking and savings accounts to cover the deficit. According to the credit card agreement provided to me, the XXXX XXXX is permitted to transfer available funds to cover missed payments, but it does not grant authority to freeze the credit card under such circumstances. 
When I sought clarification about the freeze, I was referred back to the general credit card agreement, which failed to provide an explanation or justification for the action taken. The account remained frozen until XX/XX/2025, when I discovered the issue after a transaction was declined. I subsequently sent a secure message to the credit union requesting clarification, as there were sufficient funds on the card to cover the transaction. During this period, I was informed via secure messaging that my transaction was declined due to not making a full payment. 
Typically, my credit card statement is mailed to my home address. However, when I attempted to pay the bill, I was unable to locate a copy of the statement. While my line of credit account displays the payment amount due clearly, my credit card account does not provide this information. This lack of accessible payment details contributed to the declined transaction and created unnecessary confusion regarding my payment obligations. 
________________________________________ Supporting Documents Provided : Copies of both versions of the returned check and correspondence Secure messages and emails with Abound XXXX XXXX XXXX from my daughter confirming she did not request or authorize the internal transfer Daughter bank statement. 
Copies of my checking and savings account statements that funds was available to transfer to credit card. 
________________________________________

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation