Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I had a checking account with TCF. On XXXX I noticed on my account there was a {$40.00} charge that should not have been made cause i had changed my mind and did not take the merchandise i was contemplating buying but i do not know my card was charged. I received nothing so I tried notifying the merchant at the XXXX XXXX XXXX XXXX. They wouldn't help so I called the bank. They did not initiate a dispute nor credit my account. I called a couple more times as well to find out when this would be fixed. Nothing was fixed. It resulted in a snowball effect of NSF {$330.00} in fees plus the {$40.00} that the merchant took from me putting my account negative to which my account was then closed cause i refused to pay what they said i owed cause they owed me. I Contacted CFPB received a notice I would finally have this resolved and they sent my check to an old address. I contacted them to have a new check issued and they are making it really difficult to have it reissued to my new address. Then they are telling me I need verification of my ID when the Branches were closed due to covid19 I had no way to go to a branch i have no vehicle it was drive up  only. And was told after it was updated that it would still be months before i would receive money they have due to their negligence in the first place. They are a bank can they not see that a check issued from one of their accounts was not cashed. They can stop payment on my check and i could write another but they can not do the same? They agreed they owe me {$140.00} I have the letter stating this and it was the resolution complaint number XXXX i filed with CFPD. It has been a year since the transaction and why its not as easy as stopping into a branch and geting the money they owe me on an account that should have never been closed in the first place after I tried to explain a situation where i was ripped off and having them join in on it admitting they are wrong to make it very difficult to get my money back {$140.00} a lot to me but a drop in the bucket for them that they were about to also ruin my cred it over is unacceptable. TCF net assets on XX/XX/XXXX is estimated to be at XXXX XXXX dollars. And I have nothing unemployed and struggling to pay bills and they create this bureaucratic mess for me to jump through hoops over their mistake in the first place in XXXX they had a XXXX XXXX dollar class action over NSF fees. I seems nothing much is changing. I wonder how much of the XXXX XXXX dollars is from TCF ignoring the needs of their customers? Then manipulation of those customers into submission with having to jump through hoops to get what they trusted them to hold of theirs. I have heard very nasty stories about this bank that are frankly disturbing and the fact this is occurring still is even more disturbing. I am sick of being pushed around by banks like this that are definitely not out for the good of anyone other than their own gain. So are a lot of others.

Company response to consumer: Closed with non-monetary relief