Menu
TCF Bank Customer Service Phone, Email, Contacts

TCF Bank
reviews & complaints

tcfbank.com
tcfbank.com

Learn how the rating is calculated

3.3 121 Reviews

TCF Bank Complaints Summary

69 Resolved
52 Unresolved
Our verdict: While TCF Bank has an above-average resolution rate, there’s room for improvement. Investigate common issues reported by customers and understand how they were resolved. Be prepared to follow up on your queries if needed, and keep detailed records of all interactions.
Verified
The authenticity of the customer service contact information for TCF Bank has been meticulously verified by representatives from ComplaintsBoard using our proprietary verification system.
Get notifications about new complaints and reviews of TCF Bank. We promise not to send you any unrelated messages.
Share
Claim Your Business
Take control of your profile: address complaints and engage with reviews
Write a review File a complaint

TCF Bank reviews & complaints 121

Sort by:

Newest TCF Bank reviews & complaints

ComplaintsBoard
J
12:07 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank violation of privacy

TCF is heartless! We are going through a difficult time financially and need to sell our home. After being denied by TCF to refinance and get out of a horrible interest only loan, they are now making it very difficult for us to sell our home. The guys in the collections office have made assumptions about our character, and even posted our social security #'s on our front door for the world to see. Talk about a total violation of privacy! DO NOT TRUST THIS BANK! Their business practices are pathetic.

Read full review of TCF Bank
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
C
3:39 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank liars

I just had an issue on my business account having to do with excessive over drafts. The same issue in which Twin City Federal is currently being sued for in a class action lawsuit. When I asked the banker (Ryan Tucker) (assistant manager) about it he blatantly lied and said it was a competitor who was being sued. TCF cannot be trusted and frequently engage in dishonest and corrupt business practices! I am moving my accounts to another bank. I am sticking to a smaller local bank where I am still considered a person with individual banking needs.

Read full review of TCF Bank
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
M
9:31 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank fees and scams

This bank is terrible. I set up a simple student checking account back when I go my first job. They convienently leave out all of their ridiculous charges and fees when you sign up. They told me that if I set up direct deposit that I wouldn't be charged any fees and yet every month I am charged at least two fees. They also will save transactions and then when you are getting low on the money you are keeping with them, a three week old transaction appears out of nowhere, saying it just went through. Today is Dec. 11 and I have been trying to close out my account for three weeks now bc I put my money in a Chase account (great bank so far) and a transaction from Nov 26 just went through and I have numerous 2 week old transactions still pending. It's a scam to try to get you to overdraft. This bank is terrible and I wouldn't recommend it to anyone. Stay away from the stress and scams of TCF bank.

Read full review of TCF Bank and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
N
N
nicklenak
n/a, US
Dec 30, 2011 5:15 pm EST

f***kk tcf bank. My girlfriend banks with tcf bank and they pretty much screwed her the f*** over. Okay she had five dollars in her account and because of a recent non-tcf atm withdrawal she was charged 2.50 at the atm (of course that is expected) but then they charged an extra atm fee through the bank itself which put her negative by a few bucks and every single day she was negative which happend to be 3 days they charged her 28 dollars every single day that she was negative on her account.

You know what okay charge the extra atm fee but there has to be some legalities here they are f***in treading on because how can the bank itself make you go negative and then impose extra fees because they made you went negative. I had a furious conversation with them on the phone and mind you i had to hold back just a bit but the guy on the phone could only remove 14 dollars of 3 overdraft fees.

Tcf bank will burn in hell and as i type my girlfriend is getting ready to goto the bank and take all her money to go to a different bank ( wells fargo :) )

This bank feeds on the poor and is making a wealthy living off of it. Please people do not bank with this bank!

ComplaintsBoard
N
1:01 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank tcf stole my money!

TCF is the has the most unethical practices I have ever heard of, and I wonder how they are aloud to get away with it?! I was charged over $400 in NSF fees when online it was clear that I had more than enough funds to cover all the transactions I had made! I transferred money from my savings (that contained over $400 in it) BEFORE I spent anything, they charged me NSF fees for PENDING charges? I called the regional manager, Todd, and was told that it was not considered a "bank error" and did me the "courtesy" of reversing $70. What kind of courtesy is that? YOU STOLE MY MONEY! I was charged NSF fees when I had money in the account! PLEASE do not bank with TFC, as a unemployed single mother and student I was aware of every dime that went in and out of that account, its 24 day until Christmas and TCF not only stole my money but took the money I had saved away for my sons Christmas gift, what a HORRIBLE company! Marry Christmas TCF, an Todd I hope somebody does you the same "courtesy". I am reporting TFC to the BBB!

Read full review of TCF Bank and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
T
T
tusmc
north oaks, US
Feb 23, 2013 12:36 pm EST
Verified customer This comment was posted by a verified customer. Learn more

paid off a $340k loan +interest in less then 30 days. gave the payoff to loan officer Brad Willis. he told me it was paid off and wrote on the receipt (loan payed off) then he told me i would probably get a credit for quick payoff and i told him i would just put that in my checking acct. well! a month later i get a bill for $448.00. apparently he miss calculated TCFs billing dates and i owned more money. made no sense to me. i took the loan out on dec31st and paid it off by jan 31st. not my fault their billing starts on the 23rd. terrible bank and terrible loan officer. i paid the $448.00 reluctantly and then i closed all my accts. would never do business with this bank again and NEVER! NEVER! trust their loan officers! worst experience ever. felt like i was cheated and conned!

ComplaintsBoard
S
1:57 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

TCF Bank direct deposit

I am set up for direct deposit with TCF BANK. Even though I have direct deposit, I still have to wait 2 days for my paycheck funds to become available.

Read full review of TCF Bank and 3 comments
Hide full review
3 comments
Add a comment
S
S
Super Smart Consumer
New York, US
Dec 30, 2010 6:28 pm EST

Any resonably intelligent person would come to the same conclusion after reading several of your posts. Stop bothering me.

S
S
Super Smart Consumer
New York, US
Dec 28, 2010 11:44 pm EST

eeewww...don't get your panties all up in a bunch...what a total freak.

S
S
Super Smart Consumer
New York, US
Nov 09, 2010 12:32 am EST

Starlablues -- I recommend shopping for another bank, or better yet a good credit union.

Maggie - you are delusional. See a doctor and try to get a prescription for Haldol or another type of anti-psychotic medication. Did you torture animals as a child?

ComplaintsBoard
D
7:33 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank free checking

I signed up for their free checking account last year. Then I just received a letter from TCF that I owed them $25 for over drawn? I have not used the account in about 5 months. I thought maybe fraud? I called TCF right away and they told me after the first of the year they started charging fees for their checking accounts. I NEVER received a letter telling me this. They should have sent some kind of signed conformation so the customer is fully aware and agrees. Not stealing money from their account and surprising the customer 8 months later. That is VERY UNETHICAL of TCF and I would highly recommend that everybody closes their accounts with them. They can't be trusted. They stolen the money I had in they.

Read full review of TCF Bank and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
K
K
kamala777
Crystal, US
Dec 20, 2012 11:00 pm EST

How do you know they sent 5 notices? You must be a TCF employee and your job is to monitor these complaints and rebuff them. Well, monitor this- Jay Calhoun of TCF Robbinsdale blew me off when I came to give him a "heads up" on how tellers do not verify deposit items, lost $183 from one of my deposits, deducted it from my acct, forcing me to spend 20 days & 3 phone calls to untrained cust serv reps to finally get documentation that it was, indeed TCF's error, then get blown off by Jay Calhoun, telling me that I wasted time, gathering the documentation & that I should just get the check issuer to re-issue the check. (But, I could not get the check issuer to re-issue my check without spending 20 days & 3 phone calls to stupid cust serv reps to get documentation, so that I could trace the check or checks totalling $183 back to stubs, first.) Jay Calhoun was aloof, rude, did not make eye-contact, did not get my name, account info, look at the documentation that I spent 20 days gathering, nor get the teller # which I had. And, said he did not care that I will take it higher up, due to his insensitivity. He thought I was asking for the money that they lost. I was just making him aware. Now, I will make others aware (my patients, adult students, professional colleagues, FaceBook, etc.) And, will move my three accounts from TCF.

L
L
LiberalTeller
Minneapolis, US
Feb 08, 2011 3:23 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I agree with several of the posts here about TCF, but I'm sick and tired of this one. TCF SENT YOU FIVE NOTICES. One a month, for 5 months before they charged the first fee. If you don't choose to read the info included in your statement, the e-mails you receive, or other notices sent to you by the bank you are probably going to lose money. Hopefully you've learned from your mistake. BANKS WANT TO TAKE YOUR MONEY! Not just TCF, ALL BANKS! Don't be a sucker! They count on you not reading your mail.

ComplaintsBoard
A
10:43 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank unethical practices

In January of 2010 I reached my boiling point with TCF bank, and changed my accounts to Harris Bank. I left the checkingaccount open with about $70 in it to cover any uncleared or outstanding items. I checked my balance for the first time and found that they had instituted a monthly fee of 9.95 for not having a $500 balance. I called the 800 number, and they said I had to go to the branch. I went to the branch, and they said if they reversed the charges, they would get written up. They told me to call the 800 number. The 800 number said they would have to check into the original customer service rep and call me back. Long story short, I closed the account, and left with only $5. I had mistakenly signed up for paperless estatements, which I never checked, since I had changed my checking account. TCF stole $50 from me. I feel sorry for their employees that work in such a predatory and unethical environmnet.

Read full review of TCF Bank and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
D
D
Don't bank @ TCF
Downers Grove, US
Dec 07, 2013 7:27 pm EST

I have advised my husband a couple of times to close his account. Today I believe he finally understood why I am so not a TCF bank fan. He had enough money in his account to cover his purchases but apparently their policy is to deduct the amount of pending transactions from the account at close of business each day even they have not sent the payment out. Well, let me tell you he made another purchase that came in before his pending transactions did on 12/2/13. and today 12/7/13 his account is overdrawn even though he has enough money to cover his purchases. And was told by a rep over the phone that he would be charged another nsf fee when the pending transaction come through probably on the 9th. Is this not crazy.

C
C
criticalthinker
, US
Jun 03, 2011 3:32 pm EDT

TCF practices should be investigated. Twice I have started an account with TCF (2007, 2010) after they offered a promotion. I always deposit enough to avoid any fees ($500 minimum). I use the initial account as a test to see if I like the bank. I do nothing with the account except leave the money there. Twice I have had to fight with them about fees that were not disclosed or the accidently charged (I do not believe them any more). This time they changed their fee structure without notice. All of a sudden they raised their minimum account balance to avoid fees, and started monthly fees of $9.95 (an account with $645). Until you see the first fee, there had been no notice. I have a US Bank account also. They raised the minimum but sent out a notice so I could adjust or close my account. I didn't like what US Bank did, but at least they gave notice which is fair. TCF is NOT. I have banked with M&I, Harris, NFCU, BMO, E*Trade, TD Ameritrade, and several others. None have been as deceptive at trying to steal fees from a simple small deposit account. I worked in banking for 9 years and am still a finance professional. I consider myself smart enough to be aware of what is right and wrong with banking. TCF is as wrong as there is. I feel bad for everyone that just trusts their bank and does not have an advocate watching their account statements. TCF is counting on your ignorance and apathy so they can take the little bit of money you set aside. I'm on my way to close my account AGAIN and deride the manager that enables these policies, and begin communications to help others be aware. TCF on-line banking is also the worst bank for contacting directly for services or complaints. I think it is in their culture to avoid contact with anyone who has caught them and is angry about their business practices.

T
T
TotallySneakyChecking
, US
Aug 06, 2010 4:19 am EDT

We had the same problem: TCF hiding behind its "policy." We talked to TCF reps for hours, all the way up to the top of the customer service chain, and was told they could do nothing. We closed our account, and, on principle, filed a complaint with the Better Business Bureau. To our surprise, a few weeks later, we received a check, from TCF, for the heisted amount. LOVE the BBB, thank you! Will NEVER do business with TCF again. Customers should not have to work that hard on reversing sneaky charges like that.

ComplaintsBoard
C
9:17 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank bait & switch + thievery

Being a former Minnesotan I don't think the executives have any idea what kind of hot water mess they have got into. Another Minnesota Company, Best Buy, was a big looser in Bait & Switch Charges. Shame On TCF - REMOVE ALL YOUR MONEY NOW. Notify the state attorney general & insist to your branch manager you be notified of a class action suit civil suit. Don't forget to cite CRIMINAL code leagalse - "to defraud, swindle, or steal, or take from another by trickery." These folks have unfettered access to your money. Frankly, if you complain & they don't reverse, you will loose your money or your credit. This is only one of several consumer fraudulent practices going on at that bank - keep an eye on how and when they calculate balances, run, or hold off on running deposits received, etc, to maximize fees. Its a complex algorithm with one purpose - trick you into letting them steal right out of your account with ZERO redress.

Read full review of TCF Bank and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
T
T
tcfoff
Chicago, US
Apr 30, 2012 4:52 am EDT

Also the people TCF hires are from the Carribean. Does pirates of the Carribean ring a bell?

T
T
tcfoff
Chicago, US
Apr 30, 2012 4:50 am EDT

so true. i am closing my account now. tcf bank recently stole money from me with "mail handling fee". Really?

ComplaintsBoard
R
11:36 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank ripping off custmers and mangers are worthless #s

tcf bank over charges for overdrafts they charged me 175.00 on fees for being 17 dollars short because there policy is ### every one that banks there for example i had the money to cover all but one trans but instead they worked it so that they could make the most out of every transaction so if you like getting robbed by your bank than bank with tcf bank today

Read full review of TCF Bank and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
C
C
czwalk01
, US
Aug 24, 2010 11:31 am EDT

How sad is it, when the best bank I had EVER delt with, was in fact in CANADA. Royal Bank of Canada or (RBC) had everything posted IMMEDIANTLY when it hit my account. Checks, debits, bills, mortgage payments. If I touched it, it would out, posted and processed the second I did it. There was no delays, no waiting periods, no next business day b.s. And as for direct deposits - if it was sent - IT WAS THERE...

When I moved back home to the states, I figured open an account... I seen the "$50 free checking" signs posted and when I signed up for the account, I SPECIFICALLY asked questions pertaining to the information I posted in the above paragraph. They kept saying "yes yes yes". When in reality it was "no no no." I dropped them like a bad habit when "gas station" fund holds started.. but before that I had direct deposit. On friday at 12am it was in the account. I did my normal friday and saturday shopping and come to find out that Monday would roll around and I was hit with 300+ NSF. I had NEVER had that happen to me in my life and it won't happen again. I tried to close the account after everything was paid and they said "Oh we're still waiting on one gas station charge to come in" HOW IS THAT POSSIBLE?! When I was younger, I worked for a gas station. They processed and posted those accounts EVERY MORNING! SO IT'S NOT THEM WAITING AROUND ON THEIR ### TO DO IT. TRUST ME, THEY WANT THEIR MONEY JUST AS MUCH. But TCF makes their money if the account is messed up a bit and will continue to attempt to make you feel like its YOUR fault. I don't think so... So since they wouldn't close the account.. and stole over 300 from me easily in two weeks - I let it sit... OH then they called saying "How come you haven't used your account - I noticed that its in NSF for $16" Well... I could have went and paid the petty $16 but now its about proving a point. I don't need extra "credit" and I don't care so they can shove it up their ###..

ComplaintsBoard
A
7:55 am EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank deceptive and unfair business practices

They charge NSF fees on transactions that haven't even posted to your account since pending transactions take away from your available balance. This is unfair simply because many merchants use credit card numbers such as car rental places for reservations before the card is charge. However, in order for the merchant to make sure your card is valid, they have to run it. This in turn ties up usually $1.00 of your money but drops off when the authorization runs out. Therefore, how can TCF charge 35.00 NSF fees on pending transactions that have not even posted? I ended up with 3 35.00 NSF fees because of pending transactions that had not even posted yet.

Read full review of TCF Bank and 5 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
5 comments
Add a comment
H
H
hellcatcher
, US
Jun 05, 2011 4:54 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Here We Go Again: Number 1. State is up 500% for identity theft. Number 2. Mail was being stolen from area. Number 3. Class action suit for unfair practices and possible fraud. Number 4. Be glad it hasn't happened to you but God willing you will get screwed soon. Number 5. The fact that I even responded to you is a blessing and I for one hope when it happens to you that you get taken for every rupee you have. Don't like the truth, don't listen. As far as you and your wonderful advise.. You and the devil must have a wonderful love life.

H
H
hellcatcher
, US
Jun 04, 2011 5:38 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I have done all of that. That is why right now I am seeking legal help for it. The Wells Fargo in my state is going through legal prosecution in a class action lawsuit because of their deceptive practices. They did the same thing to my mother before she died because someone had a "similar" name they refused to accomodate her and she died while going through the legal processes. Which meant they got away with a substantial amount of money because her lawyers needed her as a witness for it. Written documents and notarized testimony don't count as verifiable testimony in my state. The class action lawsuit is forthcoming in the next year or so and if I did it on my own I could be looking at 2 or 3 years before I even get a court date for it.

H
H
hellcatcher
, US
Jun 04, 2011 4:30 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

This isn't the case for all complaints. I had a positive balance. I put in over $900 to my account. I paid four bills totalling $473. I had a paypal transaction of $212.75. How in the world did I get overdrafted since everything else I needed I paid for in cash? By the way they did tell me they did a right to offset to my account for $617 with three overdraft fees for $35 each for a person I don't know because she has the same last name as I do and stole my information. I have NO ONE on my account nor is ANYONE on mine. I am seeking legal help because of this. Meanwhile I can't use my account until they get this straightened out which could take months and in the meantime they are trying to hold me to this "chick's" debt which I don't know and never met but she has my information. By the way, signed and notarized affadavits from people you know and receipts for all transactions and notarized copies of your statements and account information don't count as acceptable proof. Neither did the fraud forms and police form. What would you do?

K
K
Karma's a B****
South Haven, US
Jun 04, 2011 7:47 am EDT

How about me. I deposited $100, my account was $0.31 in the hole (while pending) so I made a deposit that morning. My deposit slip clearly states $99.69, obviously the correct number. I look at my account today and the things that were posted a few days ago were all negative, saying that my account on the day I deposited it was $70.00. I have a print out of my account for every day and the things that were posted weren't negative two days before the deposit, but after I make my deposit they are? From the looks of the two online account activity statements I have, they completely disagree with eachother and everything was posted wrong. I'm pulling out my funds and opening an account with Wells Fargo. Did I mention this is the 4th time...this MONTH that this has happened. I keep a ledger religiously, and they have never been off. I have receipts for every purchase. They would never give me a print out showing were my account went negative when I asked. Basically...not making rent this month. Thanks, TCF! Really appreciate your crooked business.

H
H
HAPPY_32
Chicago, US
Aug 04, 2010 11:25 pm EDT

FYI.. IF A TRANSACTION IS PENDING FOR A $1.00 FOR GAS OR A CAR RENTAL DOES NOT APPLY TO YOU AVAILABLE BALANCE FOR POSTING TRANSACTIONS.. IF YOU READ THE TERMS AND CONDITIONS IT STATES THAT IN THERE.. SO IF YOU DECIDED TO SPEND MORE MONEY THEN WHAT YOU HAD THAT WAS UR MISTAKE.. SO DEAL WITH THE FEES... YOU ARE LIABLE FOR THE TRANSACTION AT THE TIME YOU MAKE THEM..SO EVEN IF THERE PENDING TRANSACTIONS AND U HAVE ITEMS THAT POST THAT NIGHT AND U DONT HAVE ENOUGH MONEY TO PAY FOR THE POSTED TRANSACTIONS THEN YOU WILL BE CHARGED FEES..

ComplaintsBoard
E
12:03 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank deceptive practices

I would like to inform everyone that TCF uses deceptive practices to increase their fee revenue. We have had a "totally free" checking account with TCF for years. In Jan TCF put a notice in our statement (written in very small font) in a section they normally reserve for advertising informing us they would start charging fees for accounts that do not maintain a min balance. We normally do not check our statements often as we have low activity in that account and were surprised to find they had charged us fees (of course our luck we were keeping a low balance at the time).
It was clear to us that TCF Bank's intent was to deceive consumers by posting the notice in a way that customers would miss the notification in an effort to increase their fee revenue. This borderlines on fraud. If a company plans to materially change the terms of an agreement, it's normal practice to inform the other party in a seperate written letter to clearly explain the change. In some industries this is the law and I'm surprised it's not in the banking industry. Customer service didn't seem to care and quoted "we receive complaints about everything all the time". That doesn't surprise me in the least bit. I'm glad they are open 7 days a week so I can close my accounts there as soon as possible.

Read full review of TCF Bank and 5 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
5 comments
Add a comment
D
D
DeanASmith
Denver, US
Oct 29, 2009 6:44 pm EDT

TCF Bank - fraudulent practices

Here's are my problems with TCF Bank:

No Running Balance -- The online TCF accounts do not show a running balance or total. It only shows transaction amts (nothing to indicate a balance, positive or negative). The only way to determine if your paper register is accurate is to contact the TCF 1-800 number and try to reconcile/double check info from there. The 1-800 service will give you the balance minus pending transactions (debit or credit only, not checks); last five transactions/deposits and, can tell you if a check has cleared by check #.

Overdraft Fees are Not Included in Pending Items -- The 1-800 service will give you a balance, but does not include pending overdraft fees" -- so you do not have the opportunity to make a deposit to correct a problem and avoid add'l fees (see my personal example below). You are falsely led to believe your account is in the positive thru receipt of a positive balance statement, a positive balance amount via TCF 1-800 or via the ATM balance. Reality is that you could have pending overdraft fees for transactions (leading to domino effect). If you are slightly off, you wouldn't know until the next day and after other items post, leading to exorbirant fees (@ $35 each, 4 or 5 small transactions can cost you $175 in fees). The TCF practices/policies are not transparent and fair to customers.

People -- I'm not aware of ANY other bank that does this! Most ethical banks show customers a running balance and whether or not you are in the negative. If you have a negative balance and have incurred overdraft fees, you know because items are in real time. No gaps or delays in getting information which makes it a guessing game, leading to minor errors and discrepancies that benefit TCF in a BIG way.

Processing of items structured to benefit TCF in NSF fees: If you have 5 transactions and your acct balance would sufficiently cover 4 of those items, guess what. TCF puts your largest item thru first resulting in a negative balance, and then charges you multiple insufficient fund fees on all the little items that don't clear as a result -- racking up money. A service rep told me they did that at the request of customers who don't want items like their mortgage or car payment rejected. What? Doesn't make sense because they seem to pay for all the items -- just structuring it so that it benefits the bank and costs the customer.

TCF CAN hold local checks for up to one week for deposit. A rep told me that the written policies do not show deposits crediting automatically, so PLEASE be aware of that. (Wow, so get comfortable to deposits credited automatically -- and then BAM...a deposit doesn't clear and you are hit with fees).

My experience has not been pleasant with TCF Bank.
Recently, I called the 1-800 # and found out I would be -$20, after pending transactions, for the day. I made a cash deposit that afternoon to make my balance positive, cover a check that hadn't cleared, and to prevent overdraft fees. The teller gave me a receipt, showing a positive balance in my account. Nightmare averted, right?

Wrong, two days later, I go online and see my deposit wasn't credited until the day AFTER I made it, and I had $175 in insufficient fund fees charged against my account. When I call the customer service #, she argues that I did not make the deposit on the day I said that I did. Impossible. She asks for the date on my deposit receipt -- to my shock it said the next day. Thankfully, I had a 2nd receipt because the 1st didn't show my balance and I wanted proof that my cash deposit was credited. The second one has my positive balance for the day. Now she's confused and must get her supervisor onboard ... I'm on hold for 15+ minutes while they try to figure out how this could happen.

Finally a manager comes on to tell me that what the teller and the 1-800 and online systems didn't tell me, was that my balance for the day in question was not -$20, but actually -$195 because what didn't show online or by TCF 1-800 was that I had $175 in insufficient fund fees from the day before. Yep, you heard that right. The manager tells me there are things I should be aware of ... my balance was negative and despite my balance and receipt showing a positive balance, the "real" balance included multiple insufficient fund fees from the day before that hadn't posted yet...so I'm up the creek. There policy is to not communicate those fees to the customer in pending transactions or to reflect them in balances until next day. With no more than $20 in the hole, TCF banks almost $300 in fees.

This does not make sense -- and the "online" list of transactions is now out of sorts with what is in my register (shows transactions posting a day earlier than what I had recorded in my register and from the 1-800 system.) CUSTOMERS BEWARE -- your money is easy money for TCF bank...

C
C
cjp507
Cannon Falls, US
Oct 15, 2010 12:32 pm EDT

I think the new minimum balances are unreasonable and immoral, like stealing from those that are less fortunate. I work hard for my money and want to keep it in my account. I am closing my acct after 6 years.

T
T
TotallySneakyChecking
, US
Aug 06, 2010 4:28 am EDT

We had several problems with TCF, the worst being them changing "Totally Free Checking" to $9.95 a month checking, giving us only small print notification in the space usually reserved for their annoying promotions and happy sales talk. We talked to TCF reps for hours to reverse the $130 fees, all the way up to the top of the customer service chain, and was told they could only refund $70. We closed our account, and, on principle, filed a complaint with the Better Business Bureau about the remaining amount they swiped. To our surprise, a few weeks later, we received a check, from TCF, for the full, heisted amount. LOVE the BBB, thank you! Will NEVER do business with TCF again. Customers should not have to work that hard on reversing sneaky charges like that.

M
M
mnhawk
Eden Prairie, US
Jun 22, 2010 3:36 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I agree with the above. Plus, it's even worse if you're e-statement only. I received no notice, e-mail or snail mail, that my account of 21 years was changed. Since you don't get statements even e-mailed, you have to log in, and find your statement, something I don't do every month. Well, lo and behold, -9.95, -9.95, -9.95 and for my convenience, a -39 charge to cover that final -9.95.

Customer service is no help, as they'll just tell you how to avoid FUTURE charges.

The sad thing is, I would have had no problem meeting their minimum conditions...if I was only notified.

These are NOT the actions of a company on the up and up.

R
R
RMasse
Adrian, US
Nov 02, 2009 5:45 pm EST

I agree, just today realized the exact same thing, went in on friday did the "deposit to cover negative balance" on my son's account. Then checked it on sunday, bam...overdrawn by hidden nsf charges that showed up nowhere, not even at the tellers terminal, I deposited cash, and yes, did not notice the reciept was dated...what for today three days later? So now they have charged him five nsf charges so far for overdrawing by a mere 75cents. thats it, the way they do it is incredible, and the branch manager tells me, oh they don't do it on purpose, it is an electronic thing and the people you use your debit card with...WHAT?Stay away from tcf bank, between mine and my son's account just in six months we have lost over $600.00(domino effect nsf fees, unreliable account balances even at the tellers terminal)

ComplaintsBoard
T
3:07 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank monthly fees

Due to an emergency I had to go out east for a couple months, where I was informed that my TCF account was negative. Upon talking to the customer service line they informed me that even though I had signed a contract for a FREE checking account, they were able to change the contract at any time. I advised them that I had notification of any changes and had been out of state. The customer service line refused to take off any of the fees and told me that TCF was able to change anything they wanted to. They further told me that it would be 2 days before receiving any call back from a supervisor. The customer service service line told me that they had mailed out notification which I had never received-they were unhelpful in solving any problems and said that I would have to deposit more money into the account. DO NOT BANK WITH TCF-they steal your money.

Read full review of TCF Bank and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
I
I
ish1898
Fraser, US
Jun 08, 2010 7:28 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Once TCF had cleared all the money from my "Totally Free" checking account, they began over drafting it to cover their new $9.95 management fee.
They're charging me money because I don't have enough money!?!?
Insane, had I known about this situation months ago I would have immediately closed my account, yet I didn't get word of anything until a letter comes in the mail today saying that I owe them $28.85 and that this debt is now 71 days past due. Furthermore, at 75 days my account will be referred to collections, ruining the credit that I have been trying to rebuild over the last 4 years.

I understand that the financial sector is not in the best of shape, but for a bank, ANY company, to steal from its patrons is wrong.
I have filed a complaint with the Comptroller of the Currency.

F
F
FPGA
Chaska, US
May 14, 2010 5:54 pm EDT

TCF website gives me a wrong address of ATM. (Please check CHASKA, MN. The address they give you has no TCF ATM.) When I went to that address, there is no TCF ATM. I took $80 from my account from the ATM which doesn't belong to TCF. That ATM bank charges me $2.5 fee. TCF charges me $5. That's TCF's professional service. tcf CHARGES ITS CUSTOMERS MORE THAN THE OTHER BANKS.

TCF changed its checking account requirement. If my account doesn't meet the requirement, TCF begins charging fee on me. They put that notice with my monthly statement (no separately notice), and not highlight that notice. Then TCF starts charging me.

The same things happened on my saving account.

ComplaintsBoard
L
11:47 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank you name it

Well in the last 2 weeks I have been charged over $400.00 in NSF's fees. My paycheck which is electronically deposited showed one day and the next day it disappeared from my account. Then the day after it showed up and stayed. I went to the bank because of course you cannot call the bank itself because they do not allow that hmm! They say for security reasons. Wow I have a account with Chase also and I can call any branch anytime I like. Is that weird or what. Well I went to a branch and talked to the assistant manager and tried to find out what happened to my account. Well she was litearly clueless and was unable to tell me what happened to my deposit. And also after depositing cash why it was not made available imediately to pay bills. She also was very rude and smurking at times. I have a family member that opened up a account there when she came into a substancial amount of money. After I talked to her about what happened to me she went to TCF to withdraw all her money and close her accounts(checking&savings). And she also has two other bank accounts at Chase and Bank of America. And I am going to talk to as many people I know at work and friends to tell them to close there accounts because I do not want them to go through what I went through. And I am filing a complaint with the FTC. Please anyone that has had these problems like I have file a complaint with them. Because this will keep on happening to other people that work very hard for there money.

Read full review of TCF Bank
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
M
7:39 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank scam

I had a $0.71 (yes, 2 quarters, 2 dimes, and a penny) payment due to paypal, and they attempted to take the $0.71 from my account not once but 6 times! (Paypal is my next complaint). Instead of TCF paying the pety $0.71, and charging me a one time $35 fee they declined the payment and allowed Paypal to continue to try taking the funds 6 times, and charged me $35 every time! This is all over less then a $1.00. I'm so mad, and will be putting my complaint anywhere, and everywhere I possibly can!

Read full review of TCF Bank and 2 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
2 comments
Add a comment
J
J
jessielynn
Carver, US
Aug 05, 2010 4:39 pm EDT

TCF Bank assessed improper or excessive overdraft fees! They list overdrafts from largest to smallest to increase the likelihood that customers will overdraw multiple times. Not only that, but I made four transactions between Thursday and Friday. Instead of listing those first, they listed my Saturday transaction first which of course was the higher amount. So, this led to a snowball effect, and what should have been one overdraft fee, ended up being five! I have contacted an attorney in hopes of becoming part of a class action suit!

F
F
freddy clause
, US
Mar 26, 2010 11:01 am EDT

i have had them do that to me as well

ComplaintsBoard
D
2:37 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank bad account transaction

My Problem with T.C.F. Bank is that whenever I put in my account
Information to either reorder checks or go online to open up an online
Account and then make purchases, they won't let me process my own
Information. I put in my account number and it always comes out
Invalid. It's like they are trying to keep me from making certain purchases, after all it is my account. Why shouldn't I do what I want
With my money, I only took out $60, $50, and $60 for Gas money
And to treat my family to something to eat, get a new cellphone,
Flash Drive and Music Cd. But now they are only leaving me with
$10 and I only started out with $181.00 in my bank account and
I should be able to take at least $45 out and now I'm down to $10?!
They are really clowning, playing me for a fool. I'm so fed up with
T.C.F. Bank that I'm thinking of closing my account and taking my
Hard earn money from school back out to spend common sense.

Read full review of TCF Bank
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
ComplaintsBoard
A
2:03 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank ripped off

Tcf bank is one of the worst organizations. They chargeed us over 1200 in overdraft fee's. After a 1400 dollar paycheck they still kept us in a negative of 700. They charge 35 dollars per overdraft, no matter the price. They do not keep up with billing statements, and the online billing does not work. Beware of this bank, if any bank should of been shut down this one should of been in the main category. I have so far got 5 people to shut their accounts down, and I will continue to do so as long as this bank keeps ripping there customers off.

Read full review of TCF Bank and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
H
H
hypoford
Peyton, US
Mar 20, 2013 9:06 pm EDT

Tired of stupid, have you ever taken a look at tcf's overdraft policy? They hold pay checks up to 3 business days, have a cutoff time of 3:00 local time, but only on deposits, not withdrawls, and there policy is to pay the biggest debit first, no matter which actually posts first. I just got hit with 2 over drafts because of this timing issue. I had $124 in my account at 5:30 in the morning, 2 items posted that day, totaling $96 but were pending. I deposited my pay check at 4:30 that afternoon and went home and made a $473 payment on line at 6:00. The pay check did not post until the following day, but that payment posted immediately and caused my account to go negative and those 2 items that were pending earlier in the day amazingly posted right after my account had gone negative and cost me $74. They may be in the right, but to me, they were totally wrong!

ComplaintsBoard
J
5:41 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank online banking

TCF bank signed me up for online bank statement without my knowledge. Customer service claimed that when I signed up for online bill pay that I was automatically signed up to receive online bank statement. However today after having the service for over 6 months I was notified that I had to save or download my account information in order to receive statment. which would violate my right to privacy. I was told that I had to dissenroll my self in order to receive a bank statement in the mail. Customer service reps are sometime predjudice also.

Read full review of TCF Bank and 69 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
69 comments
Add a comment
G
G
gebob32
Taylor, US
Feb 02, 2013 12:08 pm EST

i make deposits and then checks my balances when i withdraw money from the ATM. it shows both online and on the ATM i have money available. that's what it says, available. so i withdraw money. get a letter in the mail for NSF fee of 37.00. i checks again, money is available. So i call them and even went in and they said, even though online banking and the ATM's show a balance our in house computer shows you do not. So actually there was no money even though we said there was in our super secret computer I'm not allow to see on a daily balance. so this is it. i feel they are setting everyone up to pay this fee. we as customer's believe their system and our online statements and withdraw money. but their little trick is the money "really" isn't available, on an system you cannot see. not fair. If the money is not available, it's should not be made to be available. instead, it says "available balance". i say available is available. i have statements and ATM balance inquiries showing the available balances

B
B
bankhater
mpls, US
Sep 26, 2009 3:30 pm EDT

these people really do need to be brought up on charges for this scam of robbing people of their money with overdraft fees and for taking your money to pay for other transactions. example I paid for an item on the 23 of sept. with my card $25 a $7 on the 24 and $13 on the 25 with a balance of $148 and each day I call to check my balance and on the 25 a $51 charge was made and my balance was $66 - that from 51 leave +$15 so I call sat 26 to hear my balance is -$31 what the ### is this I call to have them to tell me that because of tha $51 I overdraft and because there was pending charges the $47 in card purchases which was tooking out already wasnt tooking out it was put to the side this bank no matter what they take the biggest charge and pay them first regardless if U paid for the item three dayz later that's why it takes three day because they sit back and wait on other charges to come through hoping it's bigger than the last item U paid for within the three day

D
D
DmK1
Chicago, US
Jun 09, 2010 10:45 am EDT

This Bank Robs innocent and honest people from all was.
From unjust overdraft fees to deception of bill payments availiable balances you name it they practice Ilegally and get away with it ENOUGH IS ENOUGH NO MORE NO WAY! I stayed with this bank cause I thought thing would change with the new laws instead they are getting worse ..

J
J
James B Nelson
Minneapolis, US
Feb 18, 2011 11:39 pm EST

I went to a red box last week and got my son CJ two movies he was sick that ended up costing me one hundred and ten dollars since I’m in school money is very tight I’m back in school cause my company closed and decided to only keep their only operation in china. Now my bank is gouging me with crazy fees? who can you contact to change these fees’ No one TCF robbed me I’ve never felt so foolish as to be taken advantage of by the big Banks

View 0 more photos
D
D
dlhall
, US
Apr 04, 2011 7:18 pm EDT

A few years ago I opened a new account with a different bank. I forgot to change my information with Apple Itunes and when I purchased some music, they charged the TCF account that I was no longer using. It went into overdraft status and they closed the account after zero activity and reported me to check systems. Three years later, I am in Alabama trying to open a checking account with a credit union and they said I cannot open an account because I owed TCF money. A little shocked, I investigated and found the mistake and immediately paid the balance owed. Two months have passed and I tried to open a checking account, it still showed on check systems. I was unable to open an account. I called TCF and they said there was nothing they could do, it will be on my record for 5 to 7 years. I asked her, "So am I to expect that I will not be able to open an account for 7 years?!". She fakely apologized and said yes. Then had the audacity to ask if there was anything else she could do for me. Well, yeah, but you won't do it. I have never encountered anything like this and I recommend you do not do business with this bank. They are unhelpful and unwilling.

A
A
AWL
, US
Nov 22, 2009 2:16 pm EST

We Have Been Customers for a while. I deposted a check to cover fees. TCF Bank for 3 amounts totalling about 15 dollars charged us $105 in fees. We have always covered things immediately. They are liars and have taken 100s of dollars of our hard earned money with this $35 courtesy fee for funds not collected. This is the reason they are trying to pass laws against banks stealing billions in fees. Everyone should get away from these guys I have heard so much bad word of mouth I hate them and what they do to people like us.

F
F
FanK56
, US
Oct 03, 2009 2:34 pm EDT

2 weeks ago my husband and I closed our checking account because we moved out of the area and there were no branches around our new location. We changed our direct deposit from our works, however my husband's didn't get in on time so it still went to our old account at TCF Bank. Instead of sending it back, the bank re-opened our old account and deposited the money without mine or my husbands permission. We had no idea. We had to drive 50 miles to the nearest branch to get the money and to re-close the account. What makes them think they can just re-open an account that we closed without us knowing.

D
D
Davemonste
Lockport, US
Oct 08, 2009 10:45 pm EDT

TCF debit card policy is to pay all transactions regardless of existing customer balances. You must request and sign a special OP-OUT form for them not to do this. Secondly, they apply all of their debits and then credits each day - not as they occur. Therefore, if your account goes negitive during the application of debits - you are charged an overdraft fee.

T
T
TCF working to Overdraft YOU!
Minneapolis, US
Jul 20, 2011 7:33 pm EDT

I am a single working mother who have done everything in my power to get my finances right. Thankfully, I have been working steady for the past 3 years. TCF Bank has been nothing but rude and robbing I blind because of being laid off for over a year back in 2017 so my credit has declined horribly. I am doing best I can overcome this tragic financial event in my life. To this date I have assess $665.00 on an old account I have with them and $700.00 in over draft fees. I started watching my account very closely and very, very selective about the checks that I write out. When I discover that TCF Bank takes the Highest to lowest instead of what transaction happens first second and third it has put a awful strain on my family, being behind on various bills. I have went to the branch on Brooklyn Blvd and asked for help such as Overdraft Protection Loan the woman there was so mean and humiliated me so bad that she did not let me fill out an application and basically kicked me out the bank. I just cannot afford to keep paying $35.00 per transaction that they pick and choose to lead me up to paying hundreds and hundreds of dollars in over draft fees. I don't know if you can help or not. I just need them to stop humiliating me and overcharging me like this. I am on mission to stop them from doing this to me. My hands are tied to this bank until everything is all cleared up. They are unable to help from paying such high fee from them picking and choosing I have to take my business elsewhere that is willing to help me than to hurt me.

T
T
tyrag
Ypsilanti, US
Apr 01, 2010 3:51 pm EDT

This bank recently started charging for previously free checking accounts. Guess what? They did not inform us customers. I'm a student struggling to survive and right around exam time, I get this fee increase for not having a direct deposit? What the heck? As a student I got slammed for-a) not having a direct deposit {I don't have a job duh!) b) for not having a minimum $100.00 in my account {once again, I'm a student duh!)

Espcially for students, this bank really sucks. They wouldn't even let me call their call center from their office...said I should go use a public phone if I wanted to speak with the manager.

I TOOK MY BUSINESS ELSEWHERE!

ComplaintsBoard
J
9:41 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank worst bank, ever

This bank is by far the worst bank. They actually STEAL from you. I cannot even tell you how many phones calls I've made to customer service and how many hours I spent on the phone wth them. They held my first deposited check for 10 days before I could touch it which put me behind in some bills, that irritated me but I decided to give them a shot. After that, my account was always in the negative and I could not figure out why. I had over draft charges on the first thing that I purchased. I kept calling I spent hours on the phone with them to find out that they put a hold on all of your transactions, THEN re-charge you and if your account is low (like a lot of peoples are right now) that first transaction causes you to go into the negative which makes every purchase after that go into the negative. They then clear the re-charge. I balance my checkbook and I not once should have ever gone over but I dealt with it and paid the fees until the lady I called told me that. After that I paid the last fee I only kept 30 in my account and made a point to NOT use my card and sure enough I was charged a ridiculous charge again that I refuse to pay, they then charged me more fees so I closed my account and told the lady I wont be paying something I didnt even touch, a month later I got a collection notice for $150 when I had money in there but never used it. You have got to be kidding me. I AM LIVID!

Read full review of TCF Bank and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
F
F
Former Bank employee
, US
Jan 10, 2012 8:44 am EST
Verified customer This comment was posted by a verified customer. Learn more

If you bank at this bank close it out ASAP! It's $9.95 every month you don't make 15 qualifying transactions. Even if you miss by one transaction you'll get hit with the $9.95 maintenence fee. Even if they made your account negative because of this fee you'll end up getting a $28 A DAY for 14 days in a row. If you don't make a deposit you'll end up paying $392 after the 14 days. I urge everyone banking here to close out their account and go to a better bank. They also like to say thay can't reverse any fees but being a former employee they can. They just get paid comission if they don't reverse that many fees. People that work for this bank are very poorly trained and annoy you if you go into a Jewel-Osco store. PLEASE CLOSE YOUR ACCOUNT TODAY!

C
C
czwalk01
, US
Aug 24, 2010 11:33 am EDT

How sad is it, when the best bank I had EVER delt with, was in fact in CANADA. Royal Bank of Canada or (RBC) had everything posted IMMEDIANTLY when it hit my account. Checks, debits, bills, mortgage payments. If I touched it, it would out, posted and processed the second I did it. There was no delays, no waiting periods, no next business day b.s. And as for direct deposits - if it was sent - IT WAS THERE...

When I moved back home to the states, I figured open an account... I seen the "$50 free checking" signs posted and when I signed up for the account, I SPECIFICALLY asked questions pertaining to the information I posted in the above paragraph. They kept saying "yes yes yes". When in reality it was "no no no." I dropped them like a bad habit when "gas station" fund holds started.. but before that I had direct deposit. On friday at 12am it was in the account. I did my normal friday and saturday shopping and come to find out that Monday would roll around and I was hit with 300+ NSF. I had NEVER had that happen to me in my life and it won't happen again. I tried to close the account after everything was paid and they said "Oh we're still waiting on one gas station charge to come in" HOW IS THAT POSSIBLE?! When I was younger, I worked for a gas station. They processed and posted those accounts EVERY MORNING! SO IT'S NOT THEM WAITING AROUND ON THEIR [censor] TO DO IT. TRUST ME, THEY WANT THEIR MONEY JUST AS MUCH. But TCF makes their money if the account is messed up a bit and will continue to attempt to make you feel like its YOUR fault. I don't think so... So since they wouldn't close the account.. and stole over 300 from me easily in two weeks - I let it sit... OH then they called saying "How come you haven't used your account - I noticed that its in NSF for $16" Well... I could have went and paid the petty $16 but now its about proving a point. I don't need extra "credit" and I don't care so they can shove it up their [censor]..

B
B
barb85014
Livonia, US
May 27, 2010 10:40 pm EDT

The same thing happens to me on a weekly basis with this bank.. I hate them. TCF is truly the worst bank I have ever dealt with. They lie cheat and steal from everyone and anyone. I finally could close my account after wasting paycheck after paycheck to cover the outrageous fees because they refuse to close a negative account. I will refer no one to use this bank for anything.

ComplaintsBoard
I
4:38 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank nsf fees

TCF has found a new way to rip off their customers. I was charged two NSF fees for pending transactions. I put more than enough money in my account before the items even posted and still was charged for the fees. I went to the bank and spoke to the branch manager who told me that was the way for banks to make money. In addition, she gave me false information and told me she banked at Associate Bank.

Read full review of TCF Bank and 3 comments
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
3 comments
Add a comment
A
A
ANGRYTCFCUSTOMER
Woodbury, US
Jan 18, 2010 12:52 pm EST

tcf is one of the largest banks in the midwest and it is unbelieveable that they can do this type of business...

A
A
ANGRYTCFCUSTOMER
Woodbury, US
Jan 18, 2010 12:51 pm EST

i also believe that a letter to the supreme court is in place and also to the board of directors.

A
A
ANGRYTCFCUSTOMER
Woodbury, US
Jan 18, 2010 12:50 pm EST

I had plenty of money in the bank to pay for the useage of my TCF Bank debit card, therefore, I charged two transactions on wednesday totaling 97.00 dollars, leaving me a balance of 293.00 I used an atm machine on friday and took out 200.00 leaving me 93.00 dollars, then i used the card again on saturday for 97.00 so i was 4.00 overdrawn which i should pay the 34.00 ONE TIME NSF fee, however, they held my transactions on wednesday and friday and charged me 102.00 on NSF fees, when i addressed the issue they said that VISA held the transactions for wednesday and friday and therefore i should have to pay for the NSF fees.

i called VISA and they said they did not hold any transactions.

TCF HELD IS SAYING THEY HELD THE TRANSACTIONS IN ORDER TO CHARGE NFS FEES AND ARE BLAMING VISA.

IF ANYONE WANTS TO JOIN ME AND THOUSANDS OF OTHER CUSTOMERS PLEASE EMAIL ME AT EZ2CY555@YAHOO.COM

ComplaintsBoard
E
3:05 pm EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

TCF Bank accont fraud

On 11/26 I received a call from TCF Fraud department regarding some charges on my debit card. I called to let them know that those charges were not authorized. TCF Bank let the 2 items post to my account even though I said they were not authorized. Since those items posted to my account, it overdrew my account by $500+. When I called over to customer service to see if there was anything that they could do for me since my rent and college tuition is due today. I was told by the customer service manger that there was nothing they could do for me - even though I did not authorize those charges. I have been put into a bind, I can’t pay my rent because TCF allowed items to post to my account that I did not authorize and that overdrew it by $500+. I was also told by the customer service manager that when my direct payroll deposit comes on Friday that they are going to take that as well and bring my account to a positive balance. How can they do that? Obviously someone has gotten my account information and is making fraudulent charges, but TCF is holding me liable. Even after I disputed those 2 charges, I notice another 2 charges posted to overdraw it further. Why would they keep allowing items to post on an account when fraudulent activity has been reported? How does a bank allow an account to overdraft by $500 even after I told them that the charges were fraudulent? It is very concerning to me that a place that is suppose to protect my money, let it get stolen and wants me to be responsible. How am I suppose to pay my bills when they let all of my money get taken from the bank and they are trying to take what I will get on Friday to try to pay my bills with. Is that right? Can they do this?

Read full review of TCF Bank and 1 comment
Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

Hide full review
1 comment
Add a comment
K
K
Kenneth05
Chicago, US
Dec 05, 2009 4:50 am EST

You should write to dispute the alleged unauthorized charges. By law, banks are required to respond within a short periods. If, after an investigation, the charges were in fact unauthorized, banks must reverse and credit your account with the same account. While banks are investigating your dispute, they must make the amount available for your use. You should contact a consumer law attorney, many of whom will assess your case on a contingency basis.

Kenneth
Illinois Lawyer

Trust badge
Collect Your Trust Badge
Be recognized for outstanding customer service

Contact TCF Bank customer service

Phone numbers

1800 823 2265 1800 823 5363 More phone numbers

Website

tcfbank.com

Your Voice Matters: Our Commitment to Genuine Reviews

Empowering Real Experiences

At ComplaintsBoard, we believe in the power of true customer stories. Our platform is a space for authentic voices, where experiences, both good and bad, are shared openly and honestly.

Dedicated to Authenticity

ComplaintsBoard is vigilant in our fight against false reviews. Our team employs robust verification methods to ensure every review reflects a real customer experience, upholding the integrity of our platform.

Encouraging Detailed Feedback

ComplaintsBoard values reviews that come with real evidence. Whether it's a photo, a detailed account, or additional documentation, such substantiation adds credibility to your story, helping others make better-informed decisions.

Balanced and Constructive Conversations

We're more than just a complaints board; we're a community for balanced dialogue. ComplaintsBoard encourages reviews that not only highlight issues but also acknowledge positive aspects, fostering a fair and comprehensive understanding.

Free and Fair Platform

ComplaintsBoard's commitment to maintaining a free and unbiased platform is unwavering. Every review is treated equally, ensuring that your voice is heard and respected, regardless of the nature of your experience.

Is ComplaintsBoard.com associated with TCF Bank?

ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with TCF Bank Customer Service. Initial TCF Bank complaints should be directed to their team directly. You can find contact details for TCF Bank above.

ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. We are doing work that matters - connecting customers with businesses around the world and help them resolve issues and be heard.

Use this comments board to leave complaints and reviews about TCF Bank. Discuss the issues you have had with TCF Bank and work with their customer service team to find a resolution.