ComplaintsforTCM Bank, N.A.

• Initial Complaint

  08/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have contacted TCM BANK N.A. twice now and letting it be known that theyre furnishing an unauthorized inquiry on my Experian credit report. I have attached a copy of the first letter I have sent out to them, their first response back, and my second letter sent. I had sent my letters via certified mail, the second letters tracking number is ********************** I had to send them a second message because i find their first response to be not sufficient enough to leave the status as valid for the unauthorized inquiry im disputing. I requested their method of validation and Im requesting them to send me the full procedures of their reinvestigation. I also cited 15 U.S.C 6802(b)(1) and let it be known they never received any signed written or verbal agreement from me to furnish my non-public information to Experian.

  Business response

  08/29/2024

  Please see attached response.

  Customer response

  08/29/2024

  
  Complaint: 22188017
  
  I am rejecting this response because: The second letter i sent them was via certified mail and the tracking number is 9589071052702013884636 They are claiming they have only received one of my messages when the second letter i had sent to them was delivered on 8/27/24 to P.O. ********************************. This was an address that they listed in their first response letter to me.

  i also attached a file of the second letter i sent them in this BBB complaint so they may also refer to that

  Business response

  08/30/2024

  Please see all attachments.

  Customer response

  09/05/2024

   
  Complaint: 22188017
  
  I am rejecting this response because:

  The files attached in TCMs latest response does not prove anything. I have asked them to produce any evidence where i had gave them any VERBAL or WRITTEN SIGNED consent to share my private information with other companies but it seems they still cannot. The files TCM attached in their last response are irrelevant and the only statements remotely related are when it says, upon credit card application they MAY do a credit check. This still does not even constitute them to be lawfully able to furnish a hard inquiry on my credit report especially when Im disputing it and saying it is unauthorized. I already informed TCM in my second letter that the disclosures that they needed to give me in order to furnish data on me are pursuant to 15 USC 6802(b)(1)  you mustve given me all 3 first before furnishing data so see 15 USC 6802(b)(1)(A), 15 USC 6802(b)(1)(B), and 15 USC 6802(b)(1)(C). I was to be given all three of these opportunities first BEFORE you may furnish any of my private information wit other third party non affiliated companies such as Experian. I know TCM will not be able to prove me consenting to this because i never received them to begin with. The hard inquiry left on my Experian report by TCM is UNAUTHORIZED by me, the consumer. They are continuing to break the law by allowing my private information to be shared without my consent. I expect the inquiry to be removed off my credit report because you have no permissible purpose, consent from me, or the right to share my private information with others. Thank you 

  Sincerely,
  
  *******************************

• Initial Complaint

  08/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress TCM BANK NA Amount:$24388Date:5/31/2024 Acct#****************

  Business response

  08/13/2024

  Please see attached response.

• Initial Complaint

  06/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On March 4, 2024 I reached out to TCM BANK to have my secure credit card deposit check replaced. The account graduated from nonsecure in 2022. The check was received but misplaced. I have not heard back from TCM Bank regarding proof of the check being cashed or a replacement check. The representative I spoke to advised they would open a ticket to have the accounting department validate if the check was cashed. It has been almost 90 days with no response. I did call today on June 1, 2024 and the representative said they were unable to provide an update and would have someone call back on Monday.

  Business response

  06/10/2024

  Please see attached response.

• Initial Complaint

  01/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have spoken with ********************* (TCM Bank) today (04 Jan. ****) to receive correspondence from ********************* on HOW they are reporting my name, address, city, state, zip, etc... ********************* states to contact the credit bureaus which the credit bureaus refer me BACK to the creditor(s) --the finger pointing B/S...

  Business response

  01/19/2024

  Please see attached response.

• Initial Complaint

  09/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is about a credit card. I made several purchases at an online vendor for small dollar amounts. TCM (MyCardStatement) flagged my account on Thursday, and blocked charges from going through. I spent in total two hours on hold Thursday until I could finally get through to someone who asked if I made the charges. I told them yes, I probably was but I could not 100% confirm since I was at work and unable to access this information, but yes, I make several small purchases. They said they'd unblock the account. Later that day, I tried to purchase something and found the account was still blocked. They were closed. I called Friday, but the fraud department was closed for a meeting that day, and would be closed all weekend. I was out my credit card for the entire weekend, which means I couldn't pay bills or buy groceries or gas. Come Monday, I tried calling and was on hold another 20 minutes only to be told I couldn't speak to the fraud department and the person would send my ticket in for review. My wife called and was on hold for over an hour before she finally got through to someone who said the account was in review. Several hours later I called and was on hold for 10 minutes before I spoke with someone who said they'd transfer me, but I was on hold another 10 minutes before I hung up since I cannot keep playing their games. I work for a living and their hours of operation are ONLY during the normal business times. These people are incompetent and less than useless.I am going to cancel my card since I can't use it anyway.

  Business response

  09/27/2023

  Please see attached response.

  Customer response

  09/27/2023

   
  Complaint: 20621282
  
  I am rejecting this response because:

  Most people rely on their credit cards to live their daily lives - whether it be to buy groceries, gas, pay bills or anything else they may need. When you prevent the use of the life-line to buy food, and then refuse to allow anyone to get in touch with you for an entire week, this is completely and utterly unacceptable. Why should anyone use your services when they could go with another credit card company who will be available to resolve these issues at a reasonable time. Which should be ANY time. This was considered an emergency, and TCM Bank dropped the ball in a terrible way.

  
  Sincerely,
  
  ***********************

  Business response

  10/04/2023

  Please see attachment.

  Customer response

  10/05/2023

   
  Complaint: 20621282
  
  I am rejecting this response because:

  Thank you for confirming my complaint that it took your company a week to finally allow me to use my card again, I guess? I'm not sure what the purpose of your response was other than to confirm that yes, it was down a week. You also didn't address my other complaints, but I guess I shouldn't have expected it from your company. Just more canned responses. 

   

  This should be enough information for people to know to stay away from using TCM Bank.

  
  Sincerely,
  
  ***********************

• Initial Complaint

  08/31/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  About 2 years ago TCMBank credit card, at my request, requested payment from my account at AXOS Bank as they had done every month for several years. TCM charged me a return check fee for no payment. I called AXOS (did a conference call with TCM) and TCM reversed the fee and said that it was a software issue on their system. Aprox. 2 months passed and they did it again, I called (spend most of the day on the phone) and they agreed again it was their error (AXOS bank never received a request for payment), reversed the fee again. Several months passed and it happened again! This time TCM would not reverse the fee and froze my account until I paid the return check fee. Even though it was the same situation, after weeks of not having access to the credit card, I paid the fee and the card balance in full (I always paid my balance in full every month). I charged close to the maximum amount to the card each month and paid the balance in full each month to earn the CRewards points associated with the card. I had lots of points accrued and now TCM will not activate my card so that I can at least use my points. I don't think it's right that they can deny my points.

  Business response

  09/07/2023

  Please see attached response.

  Customer response

  09/07/2023

   
  Complaint: 20542112
  
  I am rejecting this response because:
  Dear Dispute Resolution Team,
  I REJECT TCM Bank response. The issues of return check payments occurred due to TCM systems.  My account was set up on an automatic payment and had been for several months (probably years).  When the returned checks first started,TCM, AXOS Bank (my bank) and myself participated in a 3-way conference call and AXOS informed TCM they never received a request for payment, TCM ask me to re-enter my account information, even though it had works flawlessly all times before (I and AXOS confirmed with TCM the numbers list on both accounts and they were correct and had not changed), but, trying to resolve the issue I complied and re-entered the SAME account information, the payment went through.  This situation continued to occur with future payments.  TCM staff would state that they were having software issues and would continue to reimburse me each time for return check fees they had entered in my account!  I almost, if not, always paid my monthly balance in full.  I, in good faith, used their credit card for the purpose of building points and paid my account in full regularly.  For them to deny me my rewards points due to their error is wrong. All I ask is for them to temporarily activate my card so that I my use the reward points that I earned through using their card and then they can close the account for good.  Thank you for your help and consideration in this manner.
  *************************     
  Sincerely,
  
  *************************

• Initial Complaint

  06/19/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this account . I didnt authorize this collection company . I dont have a signed contract with them . I demand to remove and delete from my report asap

  Business response

  06/20/2023

  Please see attached response.

  Customer response

  06/21/2023

   
  Complaint: 20204394
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

• Initial Complaint

  12/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  New charge on my checking account for tcm bank na that I did not pay. In fact I never heard of it. Tried calling and the first thing she asked for was my social then one of my credit card numbers

  Business response

  12/29/2022

  TCM Bank is a credit card bank that works with community banks across the country to issue credit cards on their behalf.  This appears to be a payment to a credit card using ***************************' account information.  We would need more information from *************************** to be able to track what credit card account this may have gone to.  Could they please provide the amount of the transaction and the bank account information (routing and account number)?

  Also, have they disputed this information with their bank?  They may be able to process a return payment as well while we conduct research on the payment.

  Thanks,

  ***************************
  EVP, Audit & Risk
  TCM Bank, N.A.
  An ICBA Company
  p: ************ | f: ************ | *****************************************
  3501 *************., Ste. 200| ********************** | www.tcmbank.com

• Initial Complaint

  11/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Company didnt send me a letter or inquiry on my credit report each time I applied for a credit card I dont get a notification or any decision on my last application it like they blocked my social security number from applying and Im not claiming fraud on anything at all..

  Business response

  11/30/2022

  Please see attachments.

  Customer response

  12/01/2022

   
  Complaint: 18438784
  
  I am rejecting this response because:
  
  Sincerely, they are sending me letters online from 2020 and as of today in 2022 I dont have any inquiries on my credit report and no recent newly account as of December 2022 and three plus years worth of credit history and I never received these letters at my address
  
  ******************

  Business response

  12/05/2022

  Please see attachment.

  Customer response

  12/11/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  

  I lifted a freeze everytime I applied for credit and then I received a letter long time ago asking for copy of my ID and social card but they didnt pull my credit sometimes this company would wait almost a month to call me to verify my application 

   

  
  Sincerely,
  
  ******************

• Initial Complaint

  10/21/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  My credit card was stolen on 3/12/2022 but after reporting it, I received no communication from TCM Bank and I was then no longer able to login online to make payments as my account was showing as closed. I've emailed customer service multiple times since April but have received no response. This issue had also occurred previously when they flagged my Outlook email address as suspicious and my credit score suffered dramatically while trying to get them to fix it. It is now at the point where I am not able to rent an apartment because they are constantly adding delinquencies to my account that I cannot access. I have been receiving aggressive letters and calls regarding the payments being past due but when I explain the issue on the phone, I am told that I need to speak with a different department who they then cannot get through to when they try to transfer me. I literally don't know how to get in touch with anyone to resolve this and am really concerned. I haven't even received a replacement card!My emails are attached in the supporting documents. I have also included the emails from earlier this year when I first had this issue and their responses so I know someone is monitoring the email account.

  Business response

  10/31/2022

  Please see attached response.

  Customer response

  11/02/2022

   
  Complaint: 18254781
  
  I am rejecting this response because:

  As indicated in my emails, I cannot answer my phone while at work (which pretty much every single call was). I gave a time in my message that would work and nobody contacted me then. Initially, I could not pay via ANY of the methods because it said my account was locked. This was fixed after they clarified my email was not suspicious but nothing was changed on my credit report. After the card was stolen, the option to pay online disappeared and it seemed that the same issue had occurred again, hence my emails. To send ZERO responses is unacceptable. I also could not get through to speak to any representatives via phone. Wanting to pay online, as I should be able to, and wanting to receive ANY customer service is completely reasonable. 

  On July 1, when someone from collections called me, I did not want to make the payment until I received some help with accessing my account and fixing the earlier errors. They tried to transfer me but also could not get through to the correct department. ****** called me before 8am in the morning and I explained that I had just submitted a complaint through BBB. She gave me incorrect information about my account login details after I also explained it was showing me random phone numbers for 2FA. I eventually was able to access the account later on and will be happy to make a payment but wanted to wait to receive a response from this first to understand why it took this long to speak to anyone who could help. Now, they have made it so that I cannot access my account AGAIN just to manipulate the situation before providing any information in writing.

  
  Sincerely,
  
  *************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩