Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #4610527
Complaint Overview
Complaint ID: 4610527
Company: Tcf National Bank
Product: Money transfer, virtual currency, or money service
Sub-Product: Refund anticipation check
Issue: Fraud or scam
State: Illinois
ZIP Code: 60440
Date Received: 2021-08-06T12:00:00-05:00
Date Sent to Company: 2021-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name. I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly. Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me. Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit. This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}. I need help!! Ps I have filed a police report as well. It is still pending investigation
Frequently Asked Questions
What is Complaint #4610527 about?
Complaint #4610527 was filed against Tcf National Bank regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2021-08-06T12:00:00-05:00.
How did Tcf National Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Tcf National Bank?
Yes, visit the Tcf National Bank company profile at readthecomplaint.com/company/tcf-national-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.