TCF Bank TCF Unreliable System and Records Keeping and Fraudulent Withholding of Funds and Charges of Fees, Internet

TCF just illegally withheld funds on my account on a disputed past account they said I owed money on.  This is after I've already went to the bank and paid the money I owed from my previous accounts. The same amount that phone customer service and phone account management told me I have to pay, and what the district manager from the branch I visited I owed.  Then they convinced me to open a "Free Checking" and $9.99 checks with them.

Unfortunately, I accepted.  Two weeks after receiving the checks and card, I receive a statement saying they deducted $25 out of nowhere. I called customer service and she couldn't tell me what it was about either so she called loss prevention, after being on hold for 30 to 45 minutes. She tells me the loss prevention person is researching it and she'd call me back. She did, and gave me some numbers, deposit amounts, account numbers, dates, etc.  And she says loss prevention person says I still owe 156.69.

I said I am disputing that amount because it is not right. And she said she was going to withhold that amount, in which I said would be illegal because they have not proven to me that I really owed that amount.  I asked her questions on where and what and when and she can't answer none of it. They pulled numbers and inserted different dates and account in them. I called the account manager I spoke to before and she said she is going to look through it.

I explained to her what they did wrong, which were valid computation, putting into account the money I previously owed and which I paid. I also told the account manager that there is a check for $360 payable to my daughter's school that needs to go through and that they shouldn't hold the disputed $156 on my account because it is illegal and that I've already paid my dues. She asked me the check number and amount and said she'd watch out for it. Well today, I received an overdraft charge of $37, a bounced check, a withheld $156 and only a $170.07 available on my account.

Ridiculous, especially that today is a Saturday and the significant people I need to speak to are not in. I've already warned them about a lawsuit when they threatened to withhold that disputed amount and they assured me that my check will go through. So I decided not to call a lawyer. But after all this, wait until Monday and they will get a lawsuit for having incompetent employees and unreliable record keeping. I do not recommend TCF Bank at all.  I am so upset, I am having a nervous breakdown.