Complaint Review: Twin Cities Federal Bank (TCF) - Minneapolis Minnesota

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

Okay, so cashiers checks are not gold and TCF Bank avoids responsibility. Shawn made payment arrangements, made payments on time, yet TCF Bank still put Shawn in collections and hurt Shawn's credit report. Why? Then regional manager Todd Olson said (Quoting from Shawn) that from viewing the tape it seemed like I (Shawn) was paying more attention to my daughter, who by the way is two years old, than I was to the transaction with the check. Hey Todd, is that as professional as you can get? Todd sounds like a whiney kid, and appears to be using every excuse to stick it to Shawn. Yes, there are cons out the and Shawn should be careful. Shawn asked every reasonable question that Shawn knew to ask, and TCF answered Shawn's questions with the assumption that nothing could possibly go wrong with a cashiers check. Renee at TCF HQ said that the check was good and the funds were transferred. It seems that not all the cons, liars and thieves are in Africa. Why not call the Department of the Treasury, a House or Senate (Federal) Banking Committee, or even the Secret Service (they are part of Treasury) or the FBI? The business of a bank is money, and in complex international transactions banks are supposed to know what is happening and when. So when Renee, who would be considered an "expert" or at least a "professional" in banking, says that the cashiers check was good and that the funds were transferred, why would Shawn have to believe otherwise? Renee was evidently mistaken. The law states that when an employee makes a mistake on the job that the liability is that of the employer. So TCF was mistaken. TCF was wrong, and TCF gave bad counsel to Shawn in an area where TCF is supposed to have expertise. If this were a medical instance, this would be malpractice. Bad (incomplete) advice, bad information, the client gets hurt and the professional slithers away from responsibility. You should have been paying as much attention to the check as you did to your daughter? Nice one, Todd. TCF seems to be quite wanting in professionalism. There are federal banking laws and it seems that TCF did not do their job of protecting Shawn properly, and they even went against Shawn by calling the collectors inappropriately. Shawn, hit them with every Fed that you can, and I hope that they can be legally found as irresponsible, and breachers of contract (verbal agreements are still contracts). Banks are not invincible. TCF make serious mistakes and should be made to pay for them.

I was selling an selling some antiqes after a close friend died and was dooped into the same routine. No matter what Washington Mutual would not budge. Although I made it clear that I was willing to procecute the person responsible for the fraud they would not let me have even one months rent out of my accounts. Totally frozen, panicing about how to make rent I recieved nothing but contradictory comments from washington mutuals telephone and branch reps. Half the people on the phone would say that they may honor my fraud claim or not send me to collections while they later rejected my fraud claim and sent me to collections with frozen accounts leaving me homless and thereafter squatting on a friends couch before i could get back on my feet working and going to school again. I can see how from the customer service middle-management perspective that this could boil down to "branch juristiction" or how long you have had an active account but how could a bank that prides itself on customer service keep refusing and redirecting customers when you are always getting different opinions and and "answers" from tellers. What I would really like to see come out of this would be some kind of legistlation involving cashiers checks and/or maybe some sort of class action law suit being taken to prevent this from happening anymore. And most importantly find these people...I emailed the FBI the time that the money was picked up from Western Union but is anything being done about it...how should I know? And one last thing I have come to wonder is that now i am being contacted by a government grant agency and believe that they are attempting to pull another scam on my. So if you become a victim of one scam its like they get your information and continue to solicite you, what can I do to stop them? who can help...p.s. I have another fraud bio listed under Frank M which includes more info about the situation I was in this last summer 2004.

I too had someone sending a check for a car I had for sale on th internet. I was concerned in the first place as to why someone in another country would want to buy my car. When I found out from FedEx that the check was coming from Nigeria, I was even more concerned. When I took it to my bank and asked them about all of it, lucky they knew of the scam. But unfortunately it has affected many people such as yourself and many banks such as TCF. What I was told is that in most cases the funds have cleared in 24 to 48 hours, but there is a glitch in the banking system nationwide with casheir's checks where it can take a while to figure out if it is fraud. So these criminals have found a way to work through that glitch and rip off people. Now how is this one bank or individual teller's fault. What you should really be gearing your anger twards is these horrible people who are running the scam, not your bank!

When I had a similar car buyer scam, I contacted my Wells Fargo bank, they suggested I email the buyer a PUPID acc't number which your bank will set up. This is a Pick-Up Personal ID account the Bank sets up for processing a wire-transfer. Then, I told the Buyer to wire only the car purchase price to my PUPID acct # c/o Bank's address (in SF, Calif in Wells Fargo case), and to set up the same PUPID-type of wire-transfer with his Shipping Agent. Although this took several emails back-and-forth to arrive at this approach, this ended it: I never heard from this Buyer again, proving it was a scam (of course). This method (if it's a real Buyer), also keeps secret your own bank account numbers, no cashier's check is necessary, it "filters" any payment through the intermediate PUPID account; your bank might call it by a different name. Don't thank me, thank my Banker, Sandy, at Wells Fargo-Bloomington, for coming up with this approach.

Prior to common knowledge cashiers checks are no longer guaranteed funds. They're just too easy to counterfeit. Unfortunately you have been duped by a very popular scam. Counterfeiters from Africa buy property with a counterfeit check. In fact, I am a bank teller at a large bank in Michigan. I deposited such a check for a customer, before this scam was uncovered. His story was similar to yours. He was selling a motorcycle, shipped the bike upon receiving the check rather than waiting for it to clear. He never saw a penny from the check. The teller was right. A cashier's check generally clears in 24 hours, and until then there's no way for a bank other than the issuer of the check to know if the funds are good. As far as him telling you the check had cleared, that depends on their computer system, which I am unfamiliar with. Also, when someone deposits/cashes a bad check it's that person's responsibility. It sucks. But they have every right to take money back from you. In the future, don't trust checks, official, personal, money orders, nothing. Get cash, or have the money wired to your account where it will clear immediately. I'm very sorry to hear about your unfortunate luck.