TCF Bank
Reviews and Complaints

I have tcf and I deposited 361 dollers and I went out to eat a couple days after and I bought something online. And I should of had 325 left in my account but I looked at my statement online and I got 317 in my account the day I deposited my 361 the same day I we t from 361 to 349 like wth. I didn't buy anything that day and I Take good care of my money but if they are doing hidden fees I should close my account

I was just charged $140 for insufficient funds in the bank. TCF bank sucks the money from your account. Be careful. Before I made any purchases, I made sure that I had enough money in the bank. They even agreed with me on that. TCF will keep a transaction pending for the longest, even though the funds are available. They sieze the right moment to get you with all of these fees by posting various transactions days later. Don't even think about depositing cash, if its not before the extremely early cutoff, forget about using your own money anytime soon. I'm going somewhere else for my banking needs.

I agree. Same thing happened to me. But, when they changed the accounts back to no minimum 15 transactions, I was told that it applied to all of my accts at TCF. After, finding a fee for not having 15 transactions in one of my three accounts with them, I was charged $9.95 in that account. Customer service reps, tellers as well as those rude mgrs, (especially Jay Calhoun at Robbinsdale branch) is sorely lacking in training and customer service skills. No wonder we are closing our accts and going elsewhere. They just plain do not care !

I DISAGREE BECAUSE IF YOU DEPOSIT CASH WITH A TELLER BEFORE THE BRANCHES CLOSED EVEN IF ITS AFTER THE CUT OFF TIME IT IS AVAILABLE IN YOUR ACCOUNT FOR THAT DAY..
ITS NOT TCF FAULT THAT THE TRANSACTIONS POST 3 DAYS LATER.. THATS UP TO THE MERCHANT WHEN THEY PROVIDE THE BANK A CONFIRMATION OF THE TRANSACTION IN ORDER TO POST TO YOUR ACCOUNT. SO IF THE MERCHANT WANTS TO TAKE 3 DAYS OR A WEEK THAT UP TO THE MERCHANT NOT TCF.. SO IF YOU DECIDE TO GO SPEND THE MONEY FOR THE ITEM THAT IS STILL PENDING AND U MAKE UR ACCOUNT NEGATIVE THAT IS UR FAULT NOT TCF...
JUST BECAUSE YOU CALL OR CHECK ON LINE OR CHECK AND ATM MACHINE FOR YOUR BALANCE THAT DOES NOT MEAN THAT YOUR BALANCE THAT IS GIVEN IS UR BALANCE TO SPEND..

KEEP A REGISTER...

Rude manager at TCF Robbinsdale, MN. The tellers don't verify the items in the deposits at his branch and have made numerous mistakes in not giving me all my deposit receipts for the items that I hand them. The last incident, a teller lost my $183 check from one of the three deposits that I handed her. Later, I get it deducted from my acct. I had to make 3 calls in 20 days, trying to get documentation of the transaction that it was lost by the teller/bank and to determine whether it was 1 or multiple items, so that I can check my records for the stub, go back to the check issuer to re-issue the check. I went to Jay Calhoun, mgr at this bank. He was aloof, did not make eye-contact, didn't bother to get my name, account info, look at all the documentation that I had regarding the transaction, not get the teller # which I had proof of. He just blew me off, telling me that I wasted time gathering info (to determine where the problem was) & should just go to the check issuer to get another check. (I could not go to the check issuer without doing the research to get documentation, in order to get another check issued to me. That took 3 calls & 20 days.) I came to him to express that there is a problem with teller duties & cust service, maybe audit that teller's personal ckg account, check their misc and/or suspended items. He just didn't care. He thought that I was asking for the money to be replaced. I was not. I came to give him a "heads-up". Meanwhile, I have been deprived of the use of my $183 that they lost and additional time to have the check issuer, re-issue me another check. I told him that I will take it to "the top" and tell everyone that I am in contact with (my patients, students, professional associates, Facebook, etc., ) to warn others. And, I am moving my three accounts from TCF Robbinsdale.

I have a 90cent and a 6.00 out of state negative balance and I am being charge 28dollars a day. I can understand if there was money that I withdrawn for money not in my account I didn't get charged for these when my account occured those fee now its high way robbery.

"so I told the Assist manager to go ahead and help the other customers"

The Assistant Manager of the bank was working as a teller on a sunday? Really?

I totally agree that TCF has the ### service ever and they nickel, dime, quarter, and half dollar their customers to death. I had an account with hem for many years and they were charging me 30 cents per debit card transaction up to $5.00/ month. I was like WTF? I have since switched to Educators Credit Union and they are great--never charge for debit card transactions AND excellent customer serrvice--they are always friendly and I;m still astonsihed even after a couple years.

The next time TCF messes with any of you, call into the main office [protected]) and ask to speak to Mark Jeter (jee-ter) , if you get someone else, ask if they are his assistant and then speak with them (they will usually assist you by calling in their executive response team) - - OR file a complaint with the OCC (Office of the Comptroller of the Currency***) - -They make TCF behave!
Or - - if you are tired of all the letter writing and non-responsive nonsense:
email the chair and CEO:
William Cooper Chair CEO - - wcooper@tcfbank.com

***
OCC office - [protected]
Office of the Comptroller of the Currency
Fax to them - [protected]
complete name, mailing address used by bank, your daytime phone, name & address of bank, acct # if relevant, detailed explanation of complaint, description of the resolution seeking., make sure signed & fax to [protected]
Or google OCC to get address as to where to mail to

Hope this is helpful. Best of luck to all.

Direct Deposti made and checks posted. Made additional deposit and item was not posted same day when visiting the branch before 2 pm Bank did not post till next day on my account, Over draft charges on all checks totaling over 175.00 even after complaigning refused to reverse all charges and made deposit and still more over draft charges charged to my account. This bank has changed all the conditions made when opening the account including miminum deposit requirements. All transactions made from direct deposit should be made available immediately. Used account same day and received an NSF fund while visiting and making a purchase at Jewel. There is definitely something wrong with this bank. Funds are not posted correctly. Closing my account.

The same thing happened to me! They charged me on something that was pending...and told me that the company who charged me was supposed to pay my OD fees. The other company sent me proof that they swiped my card for $1 and that the charges were taked out on 7/20. My TCF Account shows the funds out on 7/20 AFTER my paycheck went into my account therefore looking at my true POSTED charges I was never negative. They are refusing to return the funds. It is very fraudulant. Because they said when I tried disputing a charge last year that they could not help me because it was "pending" and the company who charged me could actually not go ahead and the charge could be taken away.So in that conversation I was told "pending" was not real until it posted. But today I was told the opposite so they could justify their fees.

Yes, I have similar problems. TCF charged $37 for a $15 overdraft, which caused the next day to overdraft for two items ($75) and then the third day for an additional $37. $148 charged, primarily due to overdraft fees on an original $15 overdraft that I covered first thing the following morning. Talk about crooks. I hope the greedy ### get audited and sent to jail for life.

A.) The swearing on here is ridiculous, it makes you sound unintelligent. Grow up.
B.) Being on welfare has nothing to do with what the original posting.
C.) There is nothing wrong with being on welfare as long as you don't abuse the system, so trying to belittle someone by using that term makes you sound ignorant...must be a Republican? I'm thinking so...
D.) Being on welfare and having bad credit have nothing to do with each other. Once again, if you're not abusing the system and reporting all your earnings, it is still possible to start a line of credit to better yourself. Just pay your bills on time, or early as well as taking out student loans, etc.
E.) I, myself, am a widowed mother of one, my husband passed in Iraq. I am one semester away from graduating and receiving my Bachelors' of Science degree for Nursing. I also hold down a "part-time" job, working 35+ hours a week. I receive no medical insurance through my employer. Pride is not an issue for me, so yes, my son DOES have medical assistance through the county. And yes, I DO receive a small amount each month to ensure that he is fed and in good health. Not all people that are on welfare are unmotivated ###s. I'm trying to give my child the life he deserves, and if that means putting my pride aside and getting help from another willing source, I'll do it. Anything for him.
As for the credit, I have a combined credit score of 726...and I'm on welfare.

Moral of the story is, keep your negative comments to yourself. If you were looking for a reaction, in which I'm sure you were, you got one. I suggest to "Here We Go Again" to not use being on welfare as an insult. Not all of our lives go as planned, and maybe you shouldn't lump us all together as a whole. Everyone's different, and everyone's story is different. Maybe when Equity42 said 'you must work for them' she meant it as a compliment. Maybe it sounded like you knew what you were taking about...you were the one that took it as an insult. Maybe if you would stop commenting on things that have nothing to do with you, you wouldn't be asked if you were employed by said company. Seems like common sense to me, but what do I know, I'm just another loser on welfare, right?

TCF practices should be investigated. Twice I have started an account with TCF after they offered a promotion. I always deposit enough to avoid any fees. I use the initial acount 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 accidedently 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. 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 that was 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 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 their 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.

What do you have against paragraphs angmarie72?

I agree and disagree. It's not only minorities they're f***ing over, it's everyone. I have 3 accounts with TCF (for now). The 1st one is with my mother. She had a stroke 3 months ago and has had suffered 4 more since then. Prior to the 1st massive stroke, she was having TIA's (mini-strokes). Because of that she decided to put together a durable power of attorney for me, should the worst happen. Which it did. My mother lives with us & with her income does most of the supporting of my family. I'm disabled and cannot work, have had a Worker's Comp case going on since 12/2009. As it stands, it looks like we'll be going to court. So I have NO income coming in on my behalf, in addition to that I've been a widow since I was 32 and have 4 children. Anyway, my mother has been taking loans out against her insurance policy to help pay the mortgage, insurance, bills, groceries, etc., stuff she normally pays for. I've been depositing them in our bank account. Two weeks ago I go online and it shows that our account has been closed. I called the 800 number to find out why. The person I spoke with was incrediabally rude and ended up telling me I needed to speak with the Branch Manager. So, I called her. She told me the account will remain closed until my mother can come in & sign some forms. I explained about the multiple strokes and informed her I had a Durable Power of Attorney to cover that. She then became snide & rude and restated that they need my mother to come in before they'll reopen the account. So, I've been working with an attorney about this. Yesterday, I went on to online banking to see what my personal checking account balance was. Guess What! ALL of my accounts, including my 19 year old son's had been closed! I was like, what the f***?!? I called the 800 number and was told that my mother needs to come in & sign papers! I asked them how that could be, considering her name wasn't on any of the accounts they closed. She told me to contact the branch manager. So I called the branch (different one than the other) and asked to speak with him. I was told he was with a customer and should be done in about 1/2 an hour. I left an URGENT message for him. Anhour went by, no phone call. So I called back. Again I was told he was with a customer, but they could take a message. I told them AGAIN that it was URGENT I speak with him, my accounts had been closed and I didn't have any money to buy even bread, milk or water for my kids. He says he'll give him the message. An hour and a half go by, still NO PHONE CALL! I called back for the 3rd time. This time I was told he was and had been in a meeting with the other supervisors for about 5 hours. I said, "That's funny, the last 2 times I called I was told he was with a customer." To which I got a reply of, "I don't know why anyone would tell you that. Can I take a message?" I left the same URGENT message I had the prior 2 times I called. Then I happen to look at my clock and guess the f*** what! The bank is CLOSED FOR THE NIGHT! Without me ever receving a phone call back to my urgent messages. So, I call today (Saturday) and am told that the branch manager is not in until Monday. I said I wanted to speak to the person in charge. So a lady picks up the phone, I explain everything to her. Her response? Joe needs to deal with this, he'll be back Monday. I told her that I now had absolutelt NO MONEY, for gas, food, etc. She says she's sorry but it can be dealt with on Monday. I said to her, it should've been dealt with yesterday when I left 3 URGENT messages for Joe and that in the meantime I would be putting together my complaint letters to the BBB, the consumer fiduacary board and the attorney general, then just hung up. THIS BANK HAS TOTALLY f***ED ME OVER! I just want to get access to all my money and get the hell out of there!

TCF hold your funds for purchases made, but never uses the funds to pay your transactions. They hold all your purchases for days then post them by the highest one first causing many fees and bounced checks. If they process them when you made the purchase this would not happen.

VickyH: THEY GOT ME THE SAME WAY, ONLY MY FAMILY SET UP 5 ACCOUNTS, 3 OF WHICH HAVE BEEN HIT JUST AS YOU DESCRIBED. ONE IS NOW NEGATIVE OVER $200.00 AND ANOTHER FOR LIKE, $80.00...SO, OFF WE GO TO KEY BANK! THEY OFFER A SIMILAR $100 BONUS FOR A COUPLE OF DIRECT DEPOSIT TRANSACTIONS HAVE BEEN COMPLETED.
If you have a complaint about TCF, you can go here to the OCC and file online: http://www.helpwithmybank.gov/
I AM ALSO FILING A COMPLAINT AT THE SITE ABOVE...YOU SHOULD TOO! BEST OF LUCK, SISTAH IN POVERTY B/C OF TCF.

"they "POST" the transactions whenever they feel like it" Actually their system of re-ordering transactions follows cost (I think) and many other banks do the same. Have you asked if they'd reverse the charges?

Hey, look Maggie, your stalker now has THREE ids! And they're ALL drunk!

I have to agree TCF is one of the worst banks around. Unfortunately my bank Standard Federal from Archer and Kedzie (Chicago) was bought out by this bank many years ago and I have had much grief for years from TCF since then. #1 Their tellers are not trained well, I know the rules better than they do. Also, instead of taking care of the customers in line, the tellers are sent out into the Jewel to drum up new customers. I always see them reading magazines and browsing in the Osco section, bored, while customers are lined up waiting to be taken care of by one teller, infuriating! How about keeping your current customers happy instead of bored tellers walking around the store. Has TCF ever taken a
statistic of how many new accounts are being opened by these people walking around and how much time of their current customers waiting in line their wasting. I have called numerous times to tell them how the tellers at their Jewel do not know the rules of the bank they work for. How about using that time to train them properly so people don't get fees because of their incompetence instead of letting them walk around aimlessly and getting paid for it. Wake up TCF, if someone wants to open an account they will. The way TCF processes checks and debits are ridiculous as the others complaining have said. It is just to collect fees from hard working people. I cannot wait for the government to strip them of their choosing to debit the largest lst, even if it did not come in first that day (because its more important, who says they get to choose, whats more important for each customer. They just want fees for all the small debits) Banks have been ripping off the public for years and the government bails them out on top of it. Folks go to a credit union they have checking and savings and better rates. You can join any credit union for $25.00 which goes into a savings account in your name. They have better rates and leave all the banks behind for caring more about their fees to rip us off then keeping us, the customers happy.
TCF I hope the government in the end, takes your bank. I have had it with your incompetent employees and your voicemail system that never works properly. When I mention it to customer service employees that I have to eventually talk to, they say we are working on it. When I talked to a manager Terri, today, she said noone is working on it. This is just an example of misinformation i get from TCF employees. ( your old one worked fine, you should have left it alone) Please government take control of these money grabbing, deceiving banks.

TCF Bank has a "policy" of rearranging the order of your transactions, regardless of the date they actually posted, so that the largest amount will be withdrawn first. This causes the account to overdraft multiple times instead of just once. Lets say I have $100 left in my account and I bought something for $101. And yesterday I had bought 5 things ranging from $5-$10 that had all cleared. TCF would take out the $101 first (plus $35 overdraft fee), then take out the 5 items from the previous day (charging each with an overdraft fee). OK, some say I should keep better track of my spending then and not go over by that $1. But when I check my online statement and everything has cleared and I see my balance, and it is different than what is apparently in my account, how is that my fault? AND WHEN MY DIRECT DEPOSIT GOES THROUGH ON MY ACCOUNT BUT THE FUNDS ARE NOT MADE AVAILABLE TO ME SO THAT I OVERDRAFT, IS THAT MY FAULT? No. This bank is a complete joke and I've had enough of the fees. If I choose to opt out of overdraft protection, they will deny my transaction and still charge the $35 fee for a NSF! What kind of crap is that? Horrible, horrible bank. If you are signing up for the promotion, heed this warning. GET YOUR MONEY AND CLOSE THE ACCOUNT ASAP.

Overdraft fees--my account was $20 short--the $35.00 fee caused other over draftver fees resulting in $170 in OD fees. Brancg managers do not assist but direct you to customer service - no personal service. I was told to go to a branch I do not bank with to discuss setting up OD protection. I went to US Bank and moved my four business accounts there. They sent a representative to my business to set up the accounts with OD protection. I have had a lot of OD fee that could have been avoided if the branch managers would work with you on setting up OD protection.
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The tellers are great--but the policies are terrible---gouge the customers seems to be their tactic of operation.

While reviewing my TCF Bank account, I had noticed a new fee that was showing up on my transactions list entitled, "Monthly Maintenance Fee". When I opened an account with TCF Bank, I was notified that it was their "Totally Free Checking Account", due to me being a student at NIU (and if I were to have any convenience with banking on campus, i was notified that the only ATMs and the banks on campus were TCF).

The first "Service Charge" took place on March 17, 2010 - SEVEN months after I had opened my account. I hadn't checked my online banking as much as I probably should have in order to notice that this was going on. The only time I noticed this was when I went to review my account after making a purchase at the local Wal-Mart in Sycamore, IL on March 18, 2010. I remember specifically because I had used some of the money that was recently deposited into my account earlier that week for medication because I was ill - and I had wanted to see how much money I had left over after making a second purchase that week.

After seeing this service fee was implemented on my account, and not noticing anything like this previously on my account, I called the customer service number and asked them what was going on. To paraphrase, the lady I had spoken to notified me that this was an irreversible fee, and it was because my account had changed according to them, that month - she told me to look in my messages to see that my account type was changed. I followed her instructions, and I did not receive ANY notifications of any sort - mail, email, etc.- that my account type had been changed. The lady also stated that, because I did not have $500 in my account, that is why I was being charged this (I AM A COLLEGE STUDENT- which equals to NO MONEY). This is my first complaint.

My second complaint complies of simply the dates the "Service Fees" were made. The first one dated - March 17, 2010, the second one dated - April 16, 2010 (a day before the first charge was made), and the third dated - May 18, 2010 (two days after the month time period would be sort of remotely acceptable (if the charge was acceptable in the first place). The timeliness of this bank is completely absurd and unpredictable. According to their logic, I am just supposed to "know" when they decided to take the money out of my account, and not go over, even though I barely had any money in the first place.

Sortly after this, I had refused to use my TCF account for anything else - and I am assuming the bank took the hint since they closed my account, and sent the money that they caused me in overdraft fees due to their own untimely will. I owe, I believe $90.00 in total due to just their fees. Thank you TCF Bank for doing nothing, but causing me stress and anxiety.

Sorry. I was commenting on another post, and it sent it to your's for some reason. TCF will always reverse a portion of the charges if you haven't had any other fee reversal for 6 months!

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.

Actually, if you read, I said that after checking, which I do NOT throw out any bank letters. I have a file that I keep each one in. So if you had all of the facts, maybe you would be able to figure that out on your own. As you can see in your comment, you have assumed that I have automatically tossed it out. (Especially since I stated, that I checked after being advised by the TCF customer service worker. Who also advised me that it would be in my notifications, which would be simply found online, which there was not one referencing anything to an account change. )

Thanks for your kind criticism. I hope you, yourself, can realize that you do not have ALL of the corresponding facts either - and since this is a public board, and I wrote this all free hand without another draft, like most legal document have - people make mistakes when writing. I apologize.

TCF = SUCK ### RIP OFF!

They changed their pollicy on 4/1/09. Now pending trans actions are held against your account and make the funds "unavailable". I ran this scenerio through with the bank manager, and she agreed, but seemed like she didn't care one bit.

-You deposit $20 in your account. Go spend $4 at starbucks on a cup of coffee. Then go put $1 in gas in your car, BUT the terminal at the gas station authorizes you for $20 (as most all of them do). When that $4 hits your account, the $20 "authorization" is "pending" and therefore the money is "unavailable" BAM $35 FEE! So you deposite $20, spend $5 and somehow are magically hit with a $35 dollar fee.

Funny that at the exact same time they changed this, they changed another pollicy, the amount that they will continue to authorize, when you're already negative! Before when you "cleared" ballance didn't have enough to cover a transaction, it was declined. But now with the new pollicy that's done away with, OH, but you can "opt" out of this part by sending in some letter to a PO box that'll fall through the cracks and nothing ever will be done with it! Now really why would you opt both of these at the exact same time. Well it's because they sneak the first couple overdrafts in there (even though you had money) but if they were to alert you that you were already negative (by declining your card), than they couldn't hit you for the other $500 in charges.

I personally RARELY ever have a problem with OD charges, cause I keep a close eye on it. 3 snow ball's this month with a total of more than $1000 in overdraft charges. All three times there was money in my account, more than enough to cover, but there were magically "authorizations" that made the funds "unavailable"... Get the ### outa here...$1000 when I actually had money in there?

As a customer I'm entrusting my money to a bank, I turst them to hold it, take care of it, watch after it, and make interest with it. I shoul NOT have to pay them when I'm doing a servie to them by LETTING them hold on to it for me. I'm LOANING it to them to make a piss interest rate so they can intern loan it back to me at 7-8% on a house 10-20% on a car or 15-30% on a credit card? Now on top of that I have to pay them out the ### because of how their magical system calculates things? ### THAT!

Becasue I did have issues with transferin money before when their online was down, I tried to get OD protection. I was told "Oh yea, no problem, with you're credit score we're going to give you the max ($2K)" Two months later, I got OD charges again, come to find out they didn't set it up. Not only that but they didn't give a ###. They had to repull my credit (which hurts my highly guarded score), and then they come back and tell me that I've had too many OD's in the last month that they can't set it up? WTF? Really? I have OD's cause those ###s didn't do their job right the first time, and you're not going to give me a line of credit cause you're affraid that I"m going to use it? How does that work?

I think what they really meant to say was, "If we set this up for you than our big wigs with inflated sallaries can't screw your ### as hard and take your hard earned money!"

Yes they did inform us though. Somewhere around March, it was on the last page of your statement, written in really small writing, disguised with a combination of legal, and "we're helping you" lingo, with statements like our debt system will be in "real time" (like it wasn't already before) sounding like they're updating to some cool new system. It was in that part with usless stuff that NO ONE EVER READS! Oh, and somewhere in the "we'll screw you" section of your paperwork when you first opened the account, you agreed that they could change pollicies to steal your money at any time, and you're ok with that.

Funny thing is ###s (probably who work there) get on here to defend them saying statement's like "well you just don't know how to manage your money", funny thing is that's the exact same attitude that the employee's there have too! I know that the complaint rate, and account clouser rate, AND the amount of online bashing has increase ALOT since this pollicy has enacted. Why cause we all can't manage our money? No you ### stick! It's because this policy SUCKS, and was soley implamented and designed to SCREW US out of our money... Again, why would you enact BOTH these new policies at the same time? Neither of them help us, One is designed to take the money, and the other to inflate the amount they can take. They word it like "we're doing you a favor by allowing you to purchase and by covering your purchases", the thing is though, by the time they're authorizing things because the funds aren't available you're well stooped into OD charges, AND to add to the confusion, they don't show up till a DAY LATER, so even if you think you got things straight, YOU DON'T cause they're already working on ###ing you again!

### TCF! And ### every last employee with the "I don't give a ###, it must be your fault attituede!"

This week TCF used 3 unauthorized pending debits to bounce $175 worth of checks (that would have otherwise been covered) and then bounced the same pending debits when two posted the next day, the third a day later for another jackpot of $105. They refused to stop payment on the pending debits (why?) and made me fill out a bunch of papers and said it would take 10 days. They told me they would cancel my card and cut it up (add 10 days for another card). Today I find out that they did not cancel my card that day, my insurance payment bounced and was returned (I had told them it would be declined), so that caused me a charge from them as well as another $35 from TCF. This weeks total is $350 in nsf charges. I am writing to my Attorney General, Federal Trade Commission and TCF Corporate. I am posting this on all TCF complaints - you should copy and paste your post also if you have time. This is the reason...

The "make money from home" drones. I always wondered what that was all about. You should be getting around to 10 or more comments scolding you, some out-and-out insulting you. Example: Read your contract, blah, blah. // If you don't know how to manage a checking account you shouldn't have one. // Some will give you their sage explanation or technical logic of how the system works and how you can avoid this problem like you're an idiot. Just ignore them, especially the ones who mention check registers as they are useless when dealing with TCF. They conveniently removed the time of transaction off the account summary. Why would they do that? Proof that your money was in the bank when you used your DEBIT card maybe?

I finally figured it out when I posted a "ripoff" report on Discover card ... - every post was pro-Discover. People calling me a deadbeat, etc. I thought it was strange that so many people were sitting around defending Discover card in one night. It hit me as I was thinking "is somebody paying these people or what?" Ya, probably per post to cover their NSF charges. So now, when I have a little extra chill time, which is not real often because I have a real job, I dedicate it to supporting honest hard working people getting ripped off and trying to prevent others from the same misfortune.

TCF will charge you a printing charge for your "free checks". I directly asked the person who opened my account if there was a check printing charge, and was told no! The $50 bonus that is supposed to be credited to your account the next business day after 10 transactions has not happened yet. It is 30 cents for each debit transaction! You have to use your DEBIT card as a credit to avoid the 30 cent fee. If you swipe you card at Walgreen's you will not get a choice to switch to credit until you are asked to enter your PIN...thus making you aware that it is a debit... Why aren't people outraged about these practices by TCF?

Can you believe that in 2010 you cannot e-mail customer service at TCF so the you have written prove of your complaint or comment? They want no record. You cannot directly call a TCF branch...yet for other matters, you can ONLY deal with a branch since the phone customer service supposedly can't do anything in certain matter... All so convenient...and fraudulent

If there is a class action suit, please let me know!

TCF Bank totally scams it's customers. They entice you to open an account, dodn't tell you about fees, then you get NSF fees on top of it. They ALSO charge you NSF fees when you have the money in your account, which then causes you to go negative, and then they charge MORE NSF fees! Then, they charge daily negative balance fees! OMG, their original NSF fee for NO REASON WHATSOEVER is what caused this nightmare to begin. It is a sheer horrific bank; don't fall for any promos they entice you with.

TCF (Chelsea, MI branch) changed me into different checking accounts without my knowledge not only once, but twice. I was unknowingly getting hit with a monthly $9.95 'maintence fee' when I easily had enough $ in the account I signed up for to avoid a fee. Then they changed me yet again, this time to an account where I needed to have 4 times the amount I had in order to avoid a fee. They got me for 50-60 dollars before I caught on. Admittedly I wasn't checking my statements (otherwise I would've gotten one fee and one fee only before I cancelled the account), but knew how much I had, so was clueless that they were raiding my account. Recenly saw a report on the news about an 18 year old whom had a similar thing happen at TCF. He ended up getting reimbursed. I am willing to file whatever complaints I need to and go to newspaper editoritals, etc.
KM

I recently closed an account with TCF Bank in Chelsea, MI. Without my consent they changed my policy not only once, but twice. Suddenly I was getting hit with a monthly $9.95 'maintenance fee' while I had well over the amount needed to avoid a fee. Then they changed it for a second time to an account that was 4 times the amount I had. When I closed the acount a manager tried to tell me that I had signed up for that from the start. After I started to mention that I was filing a complaint, the clerk who closed my account stated, "Just so you don't think you're crazy, they did change your account. Twice. " Then ponted out the dates. I recently saw a story on a newscast where they did the same thing to an 18 year old and he ended up getting reimbursed. I will do the same and will go to several newspapers if I do not get my 50-60 dollars back.

INDEED - TOTALLY FREE = TOTALLY FALSE, which is a premise for investigation by Michigan state Attorney's General Office. Do not complain here, complain directly the state's attorney.

A few things:

You must have had a bad teller because I was told up front about the printing fee.

And that debit charge is soon going to happen with every bank because of law changes.

Though I agree that you should have your money if it's passed the ten days.