This company here is a reason why bank are using business and accounts.
on dec 29, 2008 I was given a cash cashier for 3750.00. I took to one of the local brand and desopit the check into my checking account. About three days later, I was at a locat Mcdonald attempting to use my debit card at a redbox video machine, the machine kept stating card is not authorzied. So I go home get online and check my account i see money is in the account.
So i firgure there maybe was a problem with the redbox machine. Four day or more have pass by since that incident in Mcdonald at the video machine.
Now i am at a speedway gas station attempting to use my debit card, only to find that is tell me card not authorized please use another card or other form of payment. After numerous call trying to reach a live customer service rep I was finally able to reach one, Only to find that i would have to go to a branch to find out why my account was close, without notice to me. The rep said a notice should be mailed three to five business I inform the rep that
I not been able to use the card for just as long, and shouldnt I have been inform much sooner. A week past still no notice, so i call numerous time again until i get a live rep. explaining the same situation to this clerk, and inform this clerk what the last rep said. This tme i was determine not to let this rep get off with the same line as before, finally she states that i would have to go branch to correct any problem with this account. I hook up from that rep and call a few more time until i got another live rep and explained the situation, this rep was a little more helpful and explained why i need to go to a main branch. I was inform from that rep that a deposit made was counterfeit and I would have to go in to clear that. I drove from Indianapolis to Chicago which is the orginal branch where I opened my account. I had deposit the check at a branch in Dyer Indiana which is 159 miles from Indianapolis at the time of my opening my account. i was unware that there was no branch in the area of Indianapolis. So I inform the Branch Manager of the matter, I brought all the information concerning the check. Name of the person, Mailing address, Telephone, Envolope that the check was mailed in, with returning address, and all emails. So I inform the Manager Mrs. Norris that there is no way for me to know that i was sent a counterfeit cashier check, I didnt even know you can make a cashier check without funds first.
She inform me that I would have to file to have the account reopen. I inform .her of the TCF BANK branch where i desopit the check, she made a call and inform that manager that a copy of that check needs to be fax to her, to send to her Boss for reveiw. This was on a Wednesday around Jan 3 or 4. She inform me that i should get a answer monday or tuesday and with my account being in good standards up to this point, plus I had direct deposit still going into the account that I could use because the account had been closed. Now two weeks have past since I made that trip to the bank, no calls, no letters, nothing. A direct deposit was made Jan 2. Now it's jan 16, another direct deposit and still no word from the bank on this matter. So i call
and ask if a account is closed then how can it still be taking deposit. I was told the account can still take deposit, just cannot be withdrawn on. Now it Jan 30 I call my office and cancel my direct deposit. Now today is Feb 4 still no answer from the bank. So again I made numerous call until I got a rep
explain the situation. Rep inform me that i need to go a branch, Now I am angry but i maintain my cool, and explain to the clerk that i all ready been to a branch, did the whole application process for reopening my account. After all that explaining still nothing, but sorry you need to speak with a branch .
Again I call ten minutes later going through the same process to reach a live rep, only to be told the same thing. So I ask why do I have to go back to a branch for what, what is need now that wasn't done the first time. So the rep asked what all was done when I went into the Branch, I explained , then she replies all was need was a copy of the check and a fax to the regional Manager, She came and state that every thing should be taken care of by 1pm and I might be able to use my account today. She took my number and inform me that she would call back at 1pm. No call ..I called at 5pm today and explain again the whole situation to another rep, she was giving me the I have to go to a branch , But I inform her that I wasnt going through this any more no was I hanging up until she got some higher up , at this point I did care who she got I was hanging up no was i going, after twenty minutes of holding me on line , she finally contacted me to the branch Manager that I original went to , to open the account and who was the one who was suppose to be handle this mess in the first, so having to wait more then 27 days and 5hours only to be told "Sir the Manager has decide to close that account but you can come in and open another checking account or close at and take what ever money is do you, But since the check you deposit was counterfeit, certain withdraws will now have fees on them. So now i feel like the bank is penalize me for someone else activity. Talking about we dont chase or go after individual in matter like this, So it took them d**n near a month to tell me this, and still close the account after all this. Now my name sit on a Bad check list wish I have nothin to do with. Sending me a letter stating your name will be report to checksystem for five years. Now I have went from the innocent party to the gulity.