Dustin
Minneapolis,#2Consumer Comment
Wed, October 08, 2003
What this individual is not understanding is that TCF does not initiate the credits to his account, so they have no way of tracking them and have no way of fixing the problem. The credits are initiated by the store's Visa processor, and the problem is apparently with them. TCF is able to investigate his claim through their Regulation E department, but frankly the merchant could have handled it much more quickly. The problem is that most merchants don't know how to handle the situations properly because their staff are undertrained, and so they shift the blame to the bank. And if a service rep at a bank threatens to call the police, that means you are getting out of line. If you are kind and patient with the person helping you, the results will usually be taken care of in a better way. If you are rude and don't listen to what the person is saying, they're going to have a much harder time sympathizing with you.