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TCF Bank - Burr Ridge, IL / Collections department, mortgages, etc.!

1 United States Review updated:

Seeking others with experiences with TCF collections department in Burr Ridge. If you believe that the TCF collections staff in Burr Ridge has made inappropriate threats, have used abusive language, or have made false allegations, kindly contact me. If you have received phone calls from Vicki Mak, Frank, Don, or others at that office that you believe were inappropriate in any way, again kindly contact me. I am especially interested in the experiences of anyone who might have been told "you must make a payment today or we will foreclose tomorrow, " as well as anyone that might of had the experience of TCF Burr Ridge refusing to accept payments or other activities that you believe were done to create a crisis and might have involved the charging of incorrect or unsubstantiated fees...

Kindly email me, a TCF client.

Ms
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Comments

  • Sg
      12th of Oct, 2007
    0 Votes

    Pay on time and you can avoid the collections dept altogether. And your quote is not an inappropriate threat. People who say they will pay later seldom do. So banks and collection agencies often request payment at the time of contact even if it is much less than the amount owed as a sign of good faith and are then more willing to work with the debtor.

  • Sg
      12th of Oct, 2007
    0 Votes

    Oh and I forgot to add that if they said they would foreclose tomorrow, it means they could have foreclosed before they spoke with you. However it sounds like they preferred to work with you to establish some sort of repayment plan because contrary to popular belief banks don't like to foreclose.

    Also if tcf had sold your mortgage, your house would have already been foreclosed on. However tcf holds all of its paper, so they have leeway to negotiate with customers rather than foreclosing.

  • Ms
      5th of Nov, 2007
    0 Votes

    S Greg: Just some points to poner: One obligation of a debt collector is to confirm that there was indeed a late payment rather than a clerical error, especially if such is disputed in writing by the consumer. Another good thing for a debt collector to know is that it is a very serious violation of numerous Illinois state and federal laws, including the FDCPA, for a debt collector to make any kind of threat to a consumer that he or she will take an action when knowing (1) that such action is not allowable, and/or (2) that they in fact do not intent to take such action but is simply using such threats as a collection strategy. Violators of such regulations expose themselves to rather severe fines and other penalties. A third point to ponder is that in Illinois and most states, there are specific statutory guidelines that are required to be followed by a lending institution prior to foreclosure, including the number of months said residential mortgage is late and the amount of time the consumer has to bring any alleged deficiencies current. It might also interest you to know that if a consumer disputes a debt or allegation of late payment, by law the lender must cease all collection efforts until they have investigated and responded to the dispute. Best wishes!

  • Ms
      5th of Nov, 2007
    0 Votes

    S. Greg: Are you an employee of TCF Bank ?

  • Da
      10th of Jan, 2008
    0 Votes

    I worked for TCF and I had run ins with Vicki also. She would threaten all people. This is a common practice with that bank. Frank and Don came from the TCF Finco era and originally worked out of Wheaton.

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