TCF Bank Re-opens closed accounts to charge fees chicago, detroit, minneapolis, denver, Nationwide

Due to some unscrupulous business dealings, I needed to close my TCF checking account to halt the continued "attack" on my checking account by overseas "loan" companies.  After multiple attempts to stop this, I was directed to close my account.  I contacted TCF and asked how I close an account.  I was instructed to report to a branch and fill out the paperwork to close the account.  On 9/24 I entered the branch at my local Jewel and informed the teller that I wanted to close my checking account.  I made a cash deposit to bring the balance to zero ($0.00) and received a deposit receipt showing the balance on the account as zero with a stamped notation:  "THIS ACCOUNT IS CLOSED WE HAVE APPRECIATED YOUR PATRONAGE & HOPE WE MAY BE ABLE TO SERVE YOU AGAIN", the teller wrote in "as of 9/25/12" and initialed the slip.  We then completed the paperwork to close the checking and the savings account (2 sets of documents).  I then gave her my debit card to be destroyed.  Within a week, I became aware of debits being processed through this account.  I called customer service and was told that the account was never "really" closed but they would look into it and not to worry.  At that point, I didn't give it another thought since I had CLOSED the account, which ended my relationship with the bank on this account.  Recently I found that my joint account (also at TCF - I know, I should have moved everything) has a debit hold related to another account.  They are continuing to allow deposits, but will not allow debits, which is my house payment, my car payment, (all the money I have to put gas in the car to get to work, food on the table to feed my family, and to pay the utilities).  I spent the better part of an hour on the phone with the customer service department explaining this and was referred to the branch manager where I closed the account.  She said I never signed the forms (surprise - they can't find them) and that this account was forced back open because anyone that makes an attempt on the account using the routing and account numbers will automatically force the account back open and that the accounts are never REALLY closed.  The branch manager has made several different statements also insinuating that I was in the branch, made several inquires about this account and never said anything.  Why would I inquire on a closed account?  And if I did, why wouldn't I have questioned why it wasn't closed on 9/25?  And why would I have given the teller my debit card to deactivate and destroy if I hadn't closed the account?   Stay away from this bank - It is TROUBLE.  Terrible customer service at the branch (for the most of the telephone customer service has been fine).  They have a constant turnover of people and the ones they keep are worthless.  They do not know what customer service is all about.  They are only about charging you fees and making excuses as to why they can do it.  STAY AWAY!!!!!!