Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TClub Inc
State: MI

Complaint narrative:
Abound XXXX XXXX mishandled a mobile deposit, failing to provide timely notice of a returned item, and refusing to furnish required documentation. Despite my 17 years of membership, Abounds actions have rendered my account delinquent and caused financial harm. 

XXXX XXXX On XX/XX/2025, I deposited an escrow refund check, my husband received from XXXX XXXX in the amount of {$920.00} via mobile deposit. 
On XX/XX/2025, the deposit was approved and credited to my account by the end of the business day, at which time I transferred {$820.00} to my husbands savings account. 
Between XX/XX/2025, Abound placed a check hold of {$640.00} without notice of the reason or duration. 
On XX/XX/2025, I contacted Abound via secure messaging and telephonic, during wich time XXXX XXXX released the hold and confirmed the funds were available. I verfied that the funds indeed were released, relying on this assurance, I paid my bills. 
On XX/XX/2025, I checked my account again, as i was going to pay additional bills, and found that Abound reversed the entire deposit, debiting {$920.00} and rendering my account delinquent. 
- As a direct result of Abound XXXX XXXX reversal of the {$920.00} deposit without timely notice, my scheduled payments have been disrupted. A payment scheduled for Saturday, XX/XX/XXXX did not clear, and another payment scheduled for XX/XX/XXXX is now at risk of failing. I relied on Abounds written and verbal assurances that the funds were available, and I acted in good faith by paying my bills accordingly. The reversal has rendered my account delinquent and jeopardized my payment history, despite years of flawless financial responsibility. 
When I contacted Abound, I was told XXXX Bank rejected the check as altered/fictitious. When I requested proof, I was informed by staff ( XXXX, XXXX, XXXX ) that no documentation could be provided and that I could not speak with the department responsible. 
XXXX later stated the department intended to mail me notice within XXXX business days, which is inadequate given the immediate delinquency caused. She emailed me information but failed to include the actual image of the returned check. 
Despite repeated escalation requests, I was denied access to senior leadership and routed back to call center supervisors. 
XXXX XXXX has confirmed the check was valid and agreed to reissue it. 
XXXX and Legal Failures Regulation CC ( 12 C.F.R. Part 229 ) : Requires prompt and accurate notice when a check is subject to a hold or returned unpaid. Abound failed to provide timely notice of both the hold and the reversal, and relied on delayed mail rather than immediate communication. 
XXXX Articles XXXX & XXXX : Define alteration as an unauthorized change to a negotiable instrument that modifies the obligation of a party. A mere assertion of alteration, without evidence, does not satisfy the duty of ordinary care owed by the depository bank. 
Transparency Failure : Abound refused to furnish the official return notice ( Image Return Document ) from XXXX Bank, preventing me from verifying the alleged dishonor. 
Fiduciary Breach : Abound provided contradictory assurances, failed to follow through on promised explanations, and denied escalation to XXXX leadership.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation