Complaint #1723706 submitted on 12/31/2015 relating to TCF National Bank. Complaint relates to Bank account or service Checking account - Problems caused by my funds being low .
Complaint was submitted via Web and sent to the company on Thursday 31st December 2015.
I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.
| Company | TCF National Bank |
| Complaint ID | 1723706 |
| Date Received | 12/31/2015 |
| Product | Bank account or service Checking account |
| Issue | Problems caused by my funds being low |
| State/ZIP Code | IL 606XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with monetary relief |
| Submitted | Web 12/31/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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