TCF Bank / TCF Financial Corporation
United States - 55441
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.
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.
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!
I am set up for direct deposit with TCF BANK. Even though I have direct deposit, I still have to wait 2 day...
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.
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.
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.
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
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.
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.
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.
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.
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!!
My Problem with T.C.F. Bank is that whenever I put in my account Information to either reorder checks or go...
Tcf bank is one of the worst organizations. They chargeed us over 1200 in overdraft fee's. After a 1400...
TCF bank signed me up for online bank statement without my knowledge. Customer service claimed that when I...
This bank is by far the worst bank. They actually STEAL from you. I cannot even tell you how many phone...
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.
On 11/26 I received a call from TCF Fraud department regarding some charges on my debit card. I called to let...
I opend a checking account two weeks ago. The teller said I had to use my legal name Sharon. I work under the nickname Sherry and told her that. She said, "No problem, that is the common nickname. We take checks for William if it is made out to Bill." The opening deposit was made out to Sherry and they took it. A week later I made another deposit with a cashiers check made out to "Sherry." It had my home address on the front of check and my signature matched. BUT they sent the check to the "Fraud Department!" Even though I came in with business cards and photos of me with the name "Sherry" they continue to hold the check! There is no one who can make a decision, and no one from the MN office of "customer service" who can make a decision. They keep telling me they are "working on rectifying and continuing to investigate." There is no one who can tell me how long this will take or when my money will be available!! I have made numerous calls to the home office and been into the bank six times to no avail. Every time I'm in line I hear other tales of how badly this bank operates. PUT YOUR MONEY IN TCF AT YOUR OWN RISK! Oh, did I mention I rude they've been or that they told me "Sherry" is not a legal name?