TCF Bank reviews and complaints 4
View all 121 complaintsTCF Bank - nsf charges
My son was charged $37 insufficient funds fee 5 times (total $185) despite depositing funds exceeding the negative balance prior to at least three of the transactions for which he was penalized. The tellers he talked to acknowledged this - they gave him receipts showing +ve balance, but maintain that transactions prior to clearing of checks still incur the $37 penalty regardless of what is showing as his account balance. They would not let my son, a freshman away from home, see the Bank manger or anyone else who may have the discretion to waive these ridiculous fees. I know the fine print he signed stipulated this fee, but should they not have warned him that he will be charged if he makes use of the money he deposited which was showing as positive balance? Paying $185 for withdrawals totaling less than $30 seems total ripoff .. does he have any recourse?
TCF Bank - mortgage
I have been doing business with TCF bank for the past 9 years. Yet when I called in for a deferment on a mortgage payment TCF'S true colors came through. I had never been late with a payment.
I called and then was told to call back when I was one day late. So I did and then was told I needed to be 30 days overdue. I asked for the supervisor Vicky or Wendy and was told I was not even qualified since I was unemployed. Why did she think I was calling? If I was employed I wouldn't need the deferment. With the kind of stories they tell you one call to the next I am sure to be in foreclosure soon, thanks TCF, NOT.
We went to a mortgage with escrow included 3 years ago. We did the loan in December, so they took care of paying the escrow to the township. The next 2 years, we have yet to get our escrow check in December to pay the taxes in that year. Both years, they claimed they mailed the check to us. I can see this happening once and it got lost, but twice? Little hard to swallow. When we contacted them, we got different answers from the branch people in our state and also from the corporate in MN. No one had the same answers for 2 years in a row. What was really funny was that both of these last 2 years the check gets to our town treasurer right after the first of the year, so it does not get cashed until the next year. I am not sure if this is TCF's business practice to have the funds come out in a different quarter? Now we went to branch bank and paid our mortgage on the 9th of July, apparently the branch never must have sent the check to the corporate in MN, so they are saying we did not pay. Thank god my husband has the receipt, so corporate says to stop payment on old check and reissue a new and they will pay for our stop payment. This was talking to a Chris in customer service in MN. Low and behold - 5 days after talking to him and doing the stop payment and reissuing, they cash our old check (which showed up 18 days after it was given to their branch. We mailed the stop payment, the receipt showing when paid and the new check and now 7 days later, they cant find that information. Everyone you talk to has no clue what they are doing and banks like this are allowed to opperate. Then the best part is we have a 2nd mortgage and I only just found this out, that our escrow was done in our second mortgage, which we never signed documents for this it was to be in our 1st mortgage and we have the signed paperwork, and they raised us to 10.5% interest on the second of which almost $270/month is our escrow. So we are paying 10.5% interest on money that is ours? Not sure how legal that is. But they claim that is not how it is. We have heard so many stories from this bank, they need to be shut down.
I TOO HAVE HAD THE SAME RUN AROUND, I HAVE BEEN WITH TCF FOR 11 YEARS, MY HUSBAND IS OUT OF WORK DUE TO DISABILITY, I MADE THEM AWARE OF THIS ASK THEM TO PLEASE WORK WITH ME...BIG MISTAKE! NOW THEY GO INTO MY CHECKING ACCOUNT ALSO WITH TCF AND TAKE WHATEVER MONEY I HAVE WHEN EVER THEY WANT AND NEVER TELL ME, ANY NSF FEE OR OUTSTANDING DEBT I HAVE IS MY RESPONSIBILTY! I AM JUST FIGHTING THE FIGHT WITH THEM UNTIL THEY PUT ME IN FORECLOSURE ALSO, THAT SEEMS TO BE THE NEW SLOGAN WITH VICKI AND THE BURR RIDGE OFFICE...FORECLOSURE! GOOD LUCK TO YOU!
email me directly to discuss, ms2728@aol.com
TCF Bank - steal money from checking acc.
Here you have official sites to make COMPLAINTS, time to STOP them.They are robbers. Stole from our checking account $2445.00.
Two Thousand Four Hundred Forty Five Dollars.
The Office of the Comptroller of the Currency US Department of the Treasury :
http://www.helpwithmybank.gov/complaints/index.html
Federal Trade Commission :
https://www.ftccomplaintassistant.gov/
Illinois Attorney General (State&Federal fraud help) :
http://www.illinoisattorneygeneral.gov/
TCF Bank - Deposit availability confussion!
A deposit made on december 21st 2007 of $250.00 check not credited until december 24th along with a cash deposit of $250.00 made the 24th of december. When checking the balance on his account on the 21st of december to purchase a christmas gift my son saw the funds were listed as posted. Tcf states that they may not credit your account the day of the deposit even though the receipt reflects this deposit and the balance shows the increase. It seems very convenient on their part that on the 24th all checks that came in over the weekend were listed as nsf even though I would think that since we deposited a check on the 21st at most, if they did not want to honor these checks they would be listed uncollected. But no, the checks were paid after being considered nsf along with a $102.00 fee for three checks that totaled $44.70. I called and was told that they could understand why we were confused and the deposit on the 21st should be listed as pending not posted. I decided to write a letter and a week later received a letter from tcf telling me that since we made no attempt to pay the nsf fees they would close the account and take further action. I sent a copy of the letter attached to that notice and stated that I had written a letter and did not get a response. Finally I got a response an update of my son's account (that reflects only what I already knew, they did not credit us any deposits until the 24th, considered this checks as nsf not uncollected) and they want $102.00 for the nsf fees, oh and an additional $35.00 for sending my account for collection even though I am trying to resolve this matter with them. I guess they wanted me to make a deposit to cover charges I still don't consider valid and even question the legality of them.
TCF is a horrible bank. I am canceling my account today. I have had enough of their policies and the "automated system" that is totally incorrect.
Upon initially reading this I was irritated at TCF. I sympathise with you, but they did follow their requirements for deposit. Posted does not entail credited. It is confusing, but it is the law. The FDIC does not require banks to make funds available for withdrawal prior to the next business day after the deposit is made. A cash deposit on the 21st would have been credited to your account immediately. My question is why not just cash the initial check on the 21st and make your purchases with cash?
Just realize that due to the holidays it takes awhile for things to process and as sad as your tragedies are they really dont care they just care that you had nsf's and all banks regardless of circumstance will do the same thing.
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Online banking site is not secure or reliable. the online banking service will change your pay date to cause account to overdraft. Tcf bank will not reverse unauthorized charges or investigate disputes unless made to by u.s. govt or other agency. Bank is arrogant and evil.
Couldn't have said it better myself. To say they are a bunch off arrogant A$$h0le$ would be an insult to other arrogant A$$h0le$. If my problem isn't solved tp my liking contacting the government will be my next option.
Customer service is terrible unwilling to help. I am planning to close my account nothing but a headache. Worst bank I've ever dealt with. I have nothing positive to say about this bank.