• Report: #420411

Complaint Review: TCF Bank

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  • Submitted: Thu, February 05, 2009
  • Updated: Fri, February 06, 2009

  • Reported By:Bridgeview Illinois
TCF Bank
Rte 30 In Ultra Foods Chicago Heights, Illinois U.S.A.
  • Phone:
  • Web:
  • Category: Banks

TCF Bank Took $275 out of MY account because of twin brother's overdrawn account. Chicago Heights Illinois

*Consumer Comment: File Complaints with the Federal Trade Commission and Office of Thrift Supervision

*Consumer Comment: How to respond

*Consumer Comment: How to respond

*Consumer Comment: How to respond

*Consumer Comment: How to respond

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OK, so here goes. A few years ago I deposited a paycheck into my TCF bank account. No problem so far. THEN, I go to check my balance online and said that $275 was deducted from my account. I went into my local branch and asked why the hell they would do that. The woman looked it up and told me it was from an overdrawn account. I did have an overdrawn account, which was OK because I paid the $80 something dollars for that overdrawn account.

I also had the paperwork proving that it was only $80 and it was paid in full. I got a little pissed and called customer service and they asked me my account number, and SSN. She told me that the SSN I gave her did not match the account that was overdrawn on the $275. I asked her for the name on the account that opened it. Now my name is Jason with the last name that starts with a "J". The name on the account was "J Jxxxxxx".

I asked her if it was my twin brother Josh's account. She said she couldn't say. I grabbed my dad's tax records and found Josh's SSN, and gave it to the woman. She said that was the SSN that was associated with the $275 overdraft fee. I asked her why this was linked to me. Considering my twin and I have the same initials, same birthday, they linked that $275 to me, and since it was taken from my account, that was ok to TCF.

The woman ACTUALLY told me that there was nothing that I could do about it! So the next day I closed down my account and went to a bank that I know for a fact that my twin has never used. Do yourself a favor, don't bank with TCF. I just want my $275 back...

Jason
Bridgeview, Illinois
U.S.A.

This report was posted on Ripoff Report on 02/05/2009 01:08 AM and is a permanent record located here: http://www.ripoffreport.com/r/TCF-Bank/Chicago-Heights-Illinois/TCF-Bank-Took-275-out-of-MY-account-because-of-twin-brothers-overdrawn-account-Chicago-420411. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

File Complaints with the Federal Trade Commission and Office of Thrift Supervision

AUTHOR: Laurie - (U.S.A.)

OTS will work on your behalf to get your money back

THE BANK WILL IGNORE YOU - they cannot ignore the OTS...
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#2 Consumer Comment

How to respond

AUTHOR: Ken - (U.S.A.)

Send them a registered letter (not an email) stating that you are not associated with the overdrawn account, and that your name and SSN differ from those on the account, and demand that they return your funds immediately. Legally they have to do so, and probably will when they see the two names side by side. If they won't, file a complaint with the regulatory body that governs them.

If this is a brick and mortar bank, you'd do well to go in and talk to a manager and explain what you have related here. Phone calls and emails just won't cut it on a matter like this.
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#3 Consumer Comment

How to respond

AUTHOR: Ken - (U.S.A.)

Send them a registered letter (not an email) stating that you are not associated with the overdrawn account, and that your name and SSN differ from those on the account, and demand that they return your funds immediately. Legally they have to do so, and probably will when they see the two names side by side. If they won't, file a complaint with the regulatory body that governs them.

If this is a brick and mortar bank, you'd do well to go in and talk to a manager and explain what you have related here. Phone calls and emails just won't cut it on a matter like this.
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#4 Consumer Comment

How to respond

AUTHOR: Ken - (U.S.A.)

Send them a registered letter (not an email) stating that you are not associated with the overdrawn account, and that your name and SSN differ from those on the account, and demand that they return your funds immediately. Legally they have to do so, and probably will when they see the two names side by side. If they won't, file a complaint with the regulatory body that governs them.

If this is a brick and mortar bank, you'd do well to go in and talk to a manager and explain what you have related here. Phone calls and emails just won't cut it on a matter like this.
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#5 Consumer Comment

How to respond

AUTHOR: Ken - (U.S.A.)

Send them a registered letter (not an email) stating that you are not associated with the overdrawn account, and that your name and SSN differ from those on the account, and demand that they return your funds immediately. Legally they have to do so, and probably will when they see the two names side by side. If they won't, file a complaint with the regulatory body that governs them.

If this is a brick and mortar bank, you'd do well to go in and talk to a manager and explain what you have related here. Phone calls and emails just won't cut it on a matter like this.
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