TCF Bank

I am relating an incident that happened to me concerning TCF Bank over 20 years ago.

The ordeal makes me sick to my stomach to this day. I was a TCF customer, and had an account with them for years.

One day I walked into the Jewel at 125 E. Stearns rd. In Bartlett, IL where TCF had some offices inside the front of the Jewel store at the time.

I had asked the clerk about cashing my paycheck. (Keep in mind I was already a current TCF customer). I normally cashed it at my home branch in Joliet, IL where I lived. But I was working security daily patrolling the outside of the strip mall there. We were hired by the strip mall owner for various reasons. The bank clerk had frequently seen me entering Jewel daily in order to purchase beverages in order to stay hydrated and cool over the summer.

Anyway the bank clerk looks at me and says, "Oh, we don't do anything like that here.". The next thing I know 2 Undercover plain clothes Bartlett Police Officers had arrived and were standing there in front of me not saying anything.

Ironically I had worked closely with various Bartlett Police Officers at times on the property all year.

I was shocked and baffled at the same time as to WHY the bank clerk who was African-American who wore wire rimmed glasses and looked like a Louis Farrakhan clone had called the police on me. He wore a business suit also.

Merely for inquiring about cashing my paycheck. Ironically I also did security for all of Cole Taylor Bank branches at the time as a Field Supervisor.

It was obvious the TCF bank clerk either had some beef against security, or white people. I have no idea which.

I left totally bewildered as to what had just transpired.

The very next day I went to my TCF bank home branch in Joliet IL and canceled $3, 000 in CD's I had with TCF bank.

I withdrew all of my $ and have never done business with TCF bank since. Keep in mind this was 20 years ago when $3, 000 was worth more than it is today.

I also had about $50, 000 in hard, paid for real estate assets unknown to TCF at the time as well.

I think it is only fair that the public know how TCF treats it's customers.

TCF made it crystal clear through that bank employee that they did not want my business any longer. I gladly granted them their wish...

I had a check from Traverse City eye dated July 27th. Since we were still negotiating a dispute, I hung on to it. When it was clear that my best option with TCEye was to cash the check, I drove to the Charlevoix Michigan branch on Sept 13th. It was closed with no posted notice as to why, when they would re-open or where the nearest branch was located. I called the Elk Rapids MI branch 5 times and no one answered.
I then took the check to my Chase bank. My banker was able to contact TCF and they confirmed that the check was good:

I deposited the check and on September 14th all looked good in my account, no holds and no pending.
On the morning of Sept. 17 I found the funds withdrawn from my account.
Since when is it legal to allow a stop payment retro actively in the United States? The Petoskey Michigan bank told me they had 15 days to do it.
Really? If this was true, how would businesses function?
Also does the FDIC really allow branches to close, posting no notice and no direction as to what branches are open?
I asked the Petoskey office about this and they refused to answer.
I worked as an auditor in a bank 40 years ago. Proof runs were manual and I do not think what happened to me was possible even then.
I would think with these policies people would bank elsewhere and no one, consumer or business would accept a TCF check.

I received a notice from my homeowners insurance that my premium is past due. My homeowners insurance and taxes are escrowed from my monthly payments and paid by TCF bank. I called the mortgage customer service number to inquire about the status and see what potentially needed done to get this paid so the insurance is not cancelled. I was asked my name, address, social security number and date of birth. Then was asked my loan number, date loan origination and original loan amount. Unfortunately I was at work and did not have that information. The representative, as well as, their supervisor would not help me because I didn't have the loan number, original loan date and amount. I then asked to speak to their supervisor and was told there was up to 3 days wait to speak to someone. All I was inquiring about was to see if the payment for the insurance was paid and if not what needs done. Unfortunately I could not get the bank representative to answer that or assist me further. Was told it was bank policy not to provide information without the loan number. Based upon my question this is rediculous and the worst customer service I have ever experienced. I will never again bank with TCF Bank or Huntington Bank and will spread the word about their lack of customer service/support. Was told my loan number was more important than my social security number and other information verified. If you would like to discuss further call me at [protected]. One very upset customer!

1. Checking my bank statement, I found someone used my debit card, about 9 hours away from where I lived.
2. Called and reported it to the fraud department, gave them all the details etc.
3. Received a letter stating their not returning my stolen money…. They said the chip with only my information is not able to use except by me.
4. Disgusted. Called fraud again and told them I want proof of why they are denying the return of my money.
5. Again letter #2 still denying and no proof that I asked for…. Called them again of course nothing, I wanted to talk with the dispute services, they said that can't give out the number, but gave me the email address. I thought.
6. There's no email address, just takes you back to the main TCF page.
7. As talking to them, I read off their "zero fraud liability" which is a lie!
8. And I used my debit card for dinner the same day that my card was used 9 hours away… hmm and basically they didn't care.
9. And I told them to look up cloning a card with a chip, yes it is possible and with all my proof I have.
10. I was basically called a liar twice! I told them to mail their proof of why my money is not being refunded back.
11. Tomorrow I'm closing my savings account, this bank is a joke… So disgusted, been with TCF for years, plus had my business account there also.

Hi Good day, I would not say this is a complaint officially I say this is more of a suggestion that would make my life as well as other peoples lives more financial fluent. I was lookng for the right place for the suggestions this complaint section seemed to be the most fitting...

On the customer app when it shows the transaction history. It would be great if when the customer clicked on the transaction it would show the full merchant name, date, and merchant address. right now it shows maybe 4-5 letters of the beginning of the merchant name... this is very convoluted especially for online purchases merchants that you may not be as familiar with like you are with in store purchases Walmart bp gas etc.. the missing information on the app makes it very confusing to deceiver if the charges are fraud or true... without actually visiting a branch teller who can view on there end for me.

another suggestion would be to deduct the pending transactions from the account balance whether they have been processes thru just yet or not... this would help a lot of customers keep track of real time spending and see what they clearly have left in the account... if for some reason the pending does not get processed that amount would just be removed from pending and deposited back in the customer account.

I love the locking features on the card I love the great employees you have and i love the convivence just a few minor suggestions we used to have available when we banked else where that were very helpful and reassuring

I made 2 separate $100 cash withdrawals on Thursday, 7/15/21, which I have the receipts for. I noticed on Friday, 7/16/21, when I checked my online balance there was an extra $100 withdrawal from my account, which I had not made & have no receipt for, which I always ask for with all deposits & withdrawals.
I did notice that there was a person on a motorcycle right behind me and I'm concerned he might have taken it.

My husbands debit card expired in March he did not receive his new card we called TCF bank on April 6th they said one had been mailed out to our old address which we had changed with them over 3 years ago. So they said he would get his new debit card with in 10 days. It's been 21 days and still no debit card. I handle all of our banking so my husband has told TCF bank that I his wife can call and speak on his behalf. So I called them today and they will not tell me if why his card has not been received, they won't tell me if it's been mailed out they say that's a security issue. First of all my husband has given them permission for me to speak on his behalf, second this was my bank account for many years before I added my husband to this account, third it isn't any kind of a security issue to tell me if the card has been mailed or not.
My first complaint is TCF failed to mail the debit card to the correct address, second they failed to get his debit card to him, third they failed to offer any customer service. So for 27 days he has had to go without access to his account because TCF has failed to provide him with his debit card.

This is the second time my checking account was compromised. It was the ATM Card. The first time I took care of most of it myself. I did get a new ATM Card and changed my Pin. My recent incident this week. The branch on Wayne Rd .in Michigan there is a Male, I don't have his name, he had no name tag, but I believe he is the Branch Manager, he was very rude not just to me, but also to his Employee. I received a text message which looked legit from TCF bank stating fraud your card is locked did you make the purchase yes or no, I answered no. I received a call from a lady she told me to call Customer Service, which I did and did not have good experience with that either. The Gentian the bank telling me that TCF does not text, but he did that I a rude way, he also treated the Lady who was helping me very poorly. If TCF is not texting to Customers, he should have picked up the Phone and try to check in to this matter and I just found out one if my neighbors bank account was compromised. TCF used to be a good Bank. I don't know what happened. This Guy should be recommended, he is no fit in a Bank. He does not know what Customer Service or how to treat other Employees. Please feel free to contact me if you wish. Yes, I did get my money back, but I be not banking with your Bank any longer.

Sincerely,
Claudia Pfandke

I send two payments to my credit card company on March 22nd. TCF said that it was processed and debited on March 26th at which time I had sufficient funds in my account. TCF then decided to remove the money from my account on April 5th even though they said it was removed on March 26th. On April 5th I did not have adequate funds and it resulted in TCF intentionally hitting my account with multiple bogus overdraft charges.

Air Equipment Rental has been in business since 1992. Since that time we have grown to 6 branch offices, a trucking company and currently in the process of manufacturing our own portable diesel air compressor. Unfortunately at the end of 2019, Air Equipment Rental was in violation of one of their covenants. TCF Bank sent Air Equipment Rental to Special Assets on September 15, 2020.

Air Equipment Rental has never been late on any loans and/or interested payments since the beginning of the relationship in January 2015. Special Assets has been less than helpful and predatory in their approach of trying to negotiate a forbearance agreement that would not suffice in the current economic conditions. Air Equipment Rental is not asking for any loan forgiveness, loan deferral or interest rate reduction.

Currently TCF Bank has sent our account to their legal counsel and demands payment of the line of credit in full immediately and all interest rates to increase to an amount that is less than favorable to my business.
Our loan balances at the beginning of the relationship was in the amount of $9, 141, 249 and as of March 26, 2021 is at $4, 418, 375.

What Air Equipment Rental Corp. is asking for is a more sympathetic approach as opposed to how we are currently being treated. I am asking for 6 more months to exit the bank under the same terms that were initially set up. Air Equipment Rental will continue with timely payments and will pay all loans off in full.

I have tried every option to work with Special Assets through detailed Financial Statements, Numerous Budgets, Forecasts and Cash Flows showing reduced expenses matching with the decrease in revenue. I have been a model customer since the onset and I don't understand what the cruel and unusual treatment that is being placed on Air Equipment Rental Corp.

Any help and/or consideration would be greatly appreciated.

My Son's checking account was charged by Apple cash for $4000 then $1000, then $600 all on Friday December 31st before the holiday weekend. He saw the notifications and called both Apple and TCF Bank immeadiately the same day and they said he needed to simply file a claim which he did. They initially refunded his money, but then took it back out again and said that he benefited in some way. He has not benefited and would not take everything out of his account in random amounts. We have escalated it and filed several fraud cases with TCF and they continue to deny reinbursement. Every call he makes to them they tell him there is nothing that they can do. He called and tried to stop it from happening day one and has been fighting to get it back for 3 months now. He needs these funds he saved up to live on while in college taking 18 credit hours.

On March 12, 2021 My daughter and I went into TCF bank on Good Hope Rd in Milwaukee, Wisconsin to open a Teen Checking Account. The teller Erika gave us incorrect information about when the funds on the account would be available purposefully I believe as my daughter and I were adamant that the funds were needed as soon as possible. After contacting the bank today and speaking to Gloria as I requested to speak to a supervisor, she was very short with me and proceeded to tell me for the first 30 days of opening an account that all checks that are deposited would be held for 5 business days. This was never told to us while opening the account we were told 2 business days for the first check only. I asked to file a complaint and she said she would log in on my account. I then asked her what is the process or next steps when filing an complaint she answered I quote, "I don't know". She was very unprofessional and I sensed an attitude. I understand that this is their policy, however we were lied to and she seemed to have this attitude like I was making her job harder by requesting to file a complaint.

On 11/16/20 I called in and spoke to an agent to stop an automatic monthly payment to Avant for good. I was charged a $37 fee to do so and told it was taken care of permanently. On 1/4/21 they were allowed to take $131.63 from my account. Your mistake. Talked to agents on 1/4 & 1/5 both assured me a refund would be in my account the next day. Today I was told when I called and it wasn't that it wasn't going to be. I talked with a supervisor I asked to speak to named Elizabeth who had me holding and coming back for the better part of 40 minutes. She informed me that they had paid it out therefore I will not be getting my $131.63 funded back to my account. As previously stated I paid a fee and was assured they would never be able to take any more money from my account in the future on 11/16/20. So now I write this complaint to you asking you to rectify YOUR MISTAKE not mine and please refund your error to my account. On 1/5/20 Rochelle the agent I spoke with said I was being given a credit for the previous $37 fee which I was but still the fact is I was told 2 straight days I would be refunded your error to my account and am now being denied my refund. Having spent over 2 hours trying to handle this problem and being told it would be taken care of to find out I was getting screwed by TCF pissed me off. And if you listen to the recording with Elizabeth you will hear me lose my cool and swear. This money was taken from my Covid stimulus. Having not worked since 3/1/20 this money was much needed so YOUR SCREW UP has put me into even more dire straights. I am asking for an investigation into this matter and a full refund. Finally on 1/4/20 this money was in pending so there is no reason why it was ever paid out. If I am not satisfied with your decision in this matter I will take this complaint to the proper government agency for a further look into TCF banking practices. Thanks for your consideration and looking into this matter.
Richard K. Lange
#[protected]

On 10/30/2020 my check book, driver license, social security card were stolen from me at grocery store. Called police, case # [protected], called bank to put alert on account so no money can come out. Last check I wrote was 10/26/2020. After getting new drivers license went to bank 11/10/2020 to transfer all money to a new account and order new checks. 12/5/2020 received copies of checks that were deposited, shows checks payable to me. check date 11/22/2020 9100.00 closed account, check date 11/23/2020, 7800.00 closed account, check date 11/25/2020 6000.00 frozen blocked account. Branch Withdrawal 11/27/2020 5, 000, 12/2, 2020 5, 000 and 60.00 for bounced checks. All money was taken out of my new account and given to person. My checking account was only used for writing out bills and receiving my SSA check. I keep reaching out to Jeff in fraud department and he states I should of received results and will check into it for me. Still waiting and would like the bank to give my money back. Thank you for listening Pamela J East Case number [protected]

12/2003 lien on property need clarification 2445 2nd ave east no. st. pal, MN. 55109 Ramsey pin 12.29.22.34.0027
lien for 152, 326.00 this lien needs clarification removal or subordinated
john p Perkins cell [protected] email [protected]@yahoo.com
in process of refinance mortgage and lender found lien on my title this needs to be rectified as soon as possible, thank you please contact me soon by cell or email i need documentation to support TCF claims.

We are a CPA firm who filed for PPP loans on behalf of our clients. SBA mandates that the bank pay agent fees on PPP loan applications. TCF has refused to pay us the approximate $24, 000 in fees due for agent fees.

We worked with other banks on the PPP loans who have all paid us agent fees. We have talked to several other CPA firms and all of them were told by TCF that they would not be paying them any agent fees.

I have been unable to access my online account because it sends a verification code to my landline. I have called numerous times with unbelievably long wait times. Today I just left the phone on speaker, and after about 45 minutes someone came on. He then took forever to verify every single piece of information about me, and then hung up on me when I couldn't take his condescending attitude any more and yelled at him. All I want is to check my account online, and to be treated with a degree of courtesy and respect. All three are sorely lacking.

I have several things that I must talk to them about and I have called several times and been on hold for over 2 hours with no representative ever answering my calls. They have posted all over the place that call volume is expecting over 60 minute waits. Well, if you know that you should account for it in staff. I work and have kids, so sitting on the phone for 2+ hours is a huge inconvenience for me, and frankly anyone that has to do business with them. Now that I saw other complaints about an insurance check, one of many of the things I am calling about, I am sure that this is going to be harder than need be. They also did not take an auto payment out, so I am actually trying to clear up a payment that they missed that I am sure the credit bureaus will not care who's fault it was, but my credit will be hit. This is the most frustrating place I have had to deal with and I will be looking to move all business away from them as soon as I can.