I'm currently the owner of an upstart I have been working on my concept now for a bit over two years now Just recently, about a year, I've been in the fund raising stages of my concept I decided to open a business account with TCF because they had the best merchant account terms I started my account with a hefty figure sum, multiple checks, from my very first investor That initial transaction went well and my dealings with the bank went well the very first year Here's where it all changes On 4/10/I went to deposit an investment we received It was an even bigger deposit, figures to be exact What a nightmare experience from the start First, the teller at the branch I went to was very skeptical of my deposit It was about 10-checksI told him it was a large deposit when he asked "how much is it?" I said the figure and I got that blank stare that said he was trying to process what I just said He went to prepare a deposit slip as I arranged the checks to pass them along to him He then asks "how much do you think you have there?" That line of questioning threw me off Is this not a financial institution? Do we deal in approximates? I said " I don't think I have this amount, I know I have this amount" I'll jump ahead a bit After many phone calls and one horrible visit to a different branch they still will not release the funds and have frozen my account completely They have taken money that cleared a year ago and have placed a hold on the entire commercial account No one on the phone or at the branch can give me a path to resolution Keep in mind they have verified with the issuers bank and have reached out TWICE to the issuer himself to verify the checks TCF has the funds and will not release themWe are on day of this They sent me a written letter stating they have the funds and they will be made available on the 17th Never happened! The bank stated they reserve the right to review any deposit and freeze an entire account if the chose to Buyer Beware!!! If you read this and decide to do business there you have what's coming to you
Right now with my TCF Bank Choice checking account, I pay $per day if I overdraw on my checking account, even if it is items, the total amount charged to may account is $Starting 1/18/2018, TCF is converting all TCF Bank Choice checking accounts to TCF Free Checking accountsThis means each customer will be charged $per transaction overdrawn, up to $per dayIf you overdraw on a gas purchase for $35, and you buy a cup of coffee at Starbucks for $2, you are billed twice for $over overdrawing on items to total $If you buy a pack of gum for $.99, you are charged another $37, and so on and so on, until you hit $I believe this is an unfair business practice and is a way for TCF to make money off of fees
Normally tcf bank takes days to process a check expected when you have no money it clears in oneI called customer service when I pressed the supervisor how long does it take for a check to clear.Justin the so call supervisor told me he couldn't answer the question because it all dependsThis is the second time I have had major problem with ovrr draft fee the last time they charge me times for I called customer service on I am closing my account after being a customer for yearsBecause the supervisor tried to over talk me and would not give me a chance to explain the problem.The supervisor already had his talking points
On 4/1/there was $3,taken out of my checking account that I didn't know about or notified of TCF said "if I get this reversed they will reimburse all charges on my account On 5/5/the $3,was redeposited I then asked since the money was put back in when will I get my charges reimbursed? TCF changed their mind and did NOTHING!!
Checking my bank statement and I noticed discrepancies! This bank charges RIDICULOUS overdraft fees for purchases that shows that do not add upI was charged two overdraft fees recently for a transaction dated on Sept 2nd and 6thIt is extremely unfair!!! When I contacted customer service, they antagonized me-offering me no help!
My bank/debit card was used fraudulently without my knowledge multiple times in OctoberWhen I noticed the charges, I called my bank (TCF) right awayThe person who used my card fraudulently was arrested for identity theft and theft and is pending criminal prosecutionThese transactions equated to several charges and overdraft fees, totaling several hundred dollarsI initiated a fraud dispute so that the charges could be refused and my overdraft fees would be refundedTCFR has refused multiple times to refund my money, despite the proof I have that I did not make these charges as well as a case report for the police activity due to identity theft
I have experienced fraud with my TCF checking account weeks agoTCF Bank has all my money tied up, charged me multiples of fees resulting from fraudulent chargesInitially filing claim the representative only included of the fraudulent charges, not all of them, so I had to file multiple claimsI've been calling daily trying to make progress and get this resolved and I just get the runaroundInitially it was supposed to be days, now days My matter was supposed to be resolved today and I'm being told at least more days for an updateThis is the worst banking experience I have ever hadMy credit union would have never left me sit weeks without access to MY money due to fraud! I will be closing my account and I will never recommend anyone to TCF
Even though there is enough money in the bank account to push through one transaction,with no feeIf there is others going through at that time, they will charge you thirty seven dollars for each transaction going through Including one for a transaction, even though there is enough money in the account None of this was explained to me when I opened account
I would like to submit a complaint against TCF Bank's processing practicesThe way TCF processed transactions causes members to be charged excessive overdraft feesOn 10/11/16, all of my posted transactions were settledI had a balance of $after all transactions postedI had one pending transaction on 10/11/16, which was for $I was aware that the charge would overdraw my accountIt was for a car repair paymentWe need our vehicles so we knew that we would be charged one overdraft fee of $Well, I checked my account today and TCF Bank charged my account $for three overdraft feesHow? I only had one purchase that overdrew my accountI was confused
I called TCF Bank and the agent told me that PENDING transactions affect POSTED transactionsNow how can that be? Posted transactions are already settled in the system and the merchant has collected the moneyAnything that comes through after all posted transactions have been accounted for should be subje
After moving to the Twin Cities, I got a flyer in the mail with an offer to open a TCF bank account and get a free $pending either direct depositing $or making $worth of payments out of the accountThe flyer was just addressed to current resident at my new apartmentThis flyer came at a good time as I needed a new bank in the Twin Cities as I have most of my money at a small town bank in WisconsinI went to the bank and had to wait over half an hour as there was a customer ahead of me and only one person working the counterThat customer took so long as they were apparently in the middle of a big dispute with TCF about overage chargesThey had paid a TON in overage charges the previous day and now found out they had to pay even more, and even after that there would be another charge from the bankThat customer was not happy and kept making passive aggressive statements about how terrible dealing with TCF isWhen it was finally my turn, I presented the flyer I had been mailedThe person working the counter wanted to see proof of my address to verify that the mailer had been mailed to me as the mailer didn't have my name on itAgain, it just said current residentI had no proof of my address on me as I just moved in, but questioned why I would need it as this was a general offer that has no terms stating you need to verify the address the mailer was sent toThis mailer probably wasn't even meant for me as it was addressed to current resident and it was likely just spam mailed to everyone in my buildingThe person working the counter told me I had to verify my address, otherwise they don't know that the offer was intended for me and I could have stolen it from someone elseSo after hearing how bad the bank was from the customer ahead of me, a long wait, and then being accused of being a thief when I just wanted to give them my money, I leftI discovered that Wells Fargo offers a similar offer to this specific TCF oneI'll be taking my money there insteadHopefully they have better customer service and honor their advertisements
After an extended period without access to my phone or tablet, and thus also no access to my electronic banking apps, I logged in to find that despite the fact that there should have been enough money in my account at the time of the transaction (my balance according to my tcf bank account records and transaction log should have been about $228.18), there was a fraudulent PayPal charge that had tried to be put through on Sep25, for $Even though there was enough money in the account to cover the $200.00, the $to AT&T and $non-tcf atm fees, was put through prior to the $PayPal charge, despite those charges posting after the PayPal chargeEven though there were insufficient funds in the account to cover this PayPal transaction, after having the AT&T and atm fees charged, the PayPal transaction overdrafted my account, which was then credited for that amount, and an overdraft fee was chargedThen again, on October 2nd, PayPal tried to put thro
Tcf bank customer service manager lied about moving charges around and charging more overdraft fees than shouldAlso would not remove charges when after they posted still showed a positive balanceHow can you charge an overdraft fee when you deduct the amount from the available balance and hold it to pay the charge and once they settle still leave an available balance? Not to mention when trying to point out this unfair practice the manager hung up on me
I live paycheck to paycheck and this bank makes it impossible for me to keep track of my account (they charge fees for everything) Awhile back I got an overdraft fee and when I talked to customer service about it they said that it was a mistake on there end bout could were only allowed to refund up to a certain percentof my moneythat they took and screwed me over on so yes it was there fault( I needed 100% back for rent)I worked three jobs and us my online banking to keep track ( I keep my receipts and check to see which ones have gone through)Which for some reason is when is never the same as what I keep track ofI called 7-29-about some issues I had with overdraft fees again the manager I talked to was rude (so was I not going to lie) he told me I need to write all my transactions down and basically making me feel stupid and like I don't know who to add or subtract, because I do keep track of my accountHe asked if I would like to be taken off the overdraft protec
Hello,
My name is *** ***I have contacted TCF bank several times to try to close my checking account with them account number ***I was told many excuses as to why I was not able to close the accountI just want to close the accountThank you
On April 6th I checked both my checking and savings accounts and then found that my checking account was in the negative of I was furiuous called tcf to find out what was going only the lady stated that some purchase had been made in the amount of which confused me because I hadnt made any purchases with my checking account because it had a zero balance and I definately dont need overdraft fees I informed the lady over the phone that my card had been lost or stole maybe two weeks ago and I got it deactivated as soon as I realizedI also stated that those purchases where not mine and I hadnt used my checking account in òver a monthSecondly my issue with this bank is that they allowed four different transactions to be made or withdrawn with no money in the account and I did oupt out for overdrafts transactionsI did end up filing a claim but was told that it could take up to ten bussiness daysI just start getting part of my pay check deposit
in mid-august I noticed on my online statement there was a check for $1,taken out of my account it seems to be fraud as it was not my check The bank took nearly weeks to return the money into my account after admitting faultThey put my account and routing number on somebody else's checks in another stateThey called it a "check printing error"I had to go into the bank five times and had to miss work which resulted in lost wagesthe first time I went into the bank which was the day I noticed the money out of my account, I had to sign paperwork for fraud and have it notarizedThe manager of that bank had failed to send the paperwork which I had to find out when I went back in to another Branch for days laterDue to their error, I also had to close my checking account which I had for years and switch all of my billing on to another account
I filed several complaints with TCF only to be apologize to and told they will not reimburse for any lost time and wages or da
I have been a TCF bank customer for years and use their online banking to pay billsBefore Christmas, I set up a bill to be paid to my credit card from my checking account on December 27th in the amount of $6,The money was taken out of my account by TCF bank on December 27thHowever, it is now January 4th and Mastercard has still not received this moneyTherefore, I am unable to put any charges on my Mastercard AND do not have access to the $that was taken out of my checking account by TCF bank on December 27th to pay MastercardThis is VERY inconvenient for me because I have been on vacation since January 2nd, and I was planning to charge all the vacation expenses but instead have had to transfer money from my savings to my checking account to spendThis is a very large amount of money, which I've had to take out of savings rather than charge to my Mastercard to pay off over the next few months out of my checking accountWhen I contacted TCF customer service seve
In late August I noticed fraudulent activity on my newly opened TCF Bank accountThe charges were made in the state of GA, where I have not visited since the age of I disputed the charges with no reason to believe the issue would not be resolvedSeveral weeks went by I received noticed that my claim was denied because I reported charges after they were madeI had no reason to report fraudulent charges before they were madeTCF at no time called my phone or attempted to put any stops on my account when these charges were being made outside of my target zipcodeThis account was established solely for the purpose of saving money for my child and TCF has allowed someone to take the $that my child saved for and was happy to have put into an accountWhen I called to dispute the decision I was told I would receive an email notifying me of the next steps and instead TCF shutdown the account, charged it to collections and put me on the Chex systems all in less than daysI need
I am writing to get help with an issue involving TCF bankIt is located in Jewel/Osco in Bridgeview IllI have ADD/depressionThe reason for me telling you this s because this bank has caused me so much problemsThey have totally taken all my money I worked very hard forI had an alert set up on my account, because of my ADDAnd on or around 12/15/I went to the gas station to get a snackI used my debit card as I left my money at homeI then got my direct deposit paycheck on the following FridayWhen I went to pay my rent I had a negative balance and overdraft feesI got no alert and no letter from this bankI tried to contact a manager regarding this matter and was told they would remove the fees as it was not my faultNow I get a letter they not only took my money from my account BUT also they have me as having a $overdraft feesI am horrifiedI went into the bank on 2/1/and tried to nicely speak to someone and was rudely confronted by a young woman saying
I'm currently the owner of an upstart I have been working on my concept now for a bit over two years now Just recently, about a year, I've been in the fund raising stages of my concept I decided to open a business account with TCF because they had the best merchant account terms I started my account with a hefty figure sum, multiple checks, from my very first investor That initial transaction went well and my dealings with the bank went well the very first year Here's where it all changes On 4/10/I went to deposit an investment we received It was an even bigger deposit, figures to be exact What a nightmare experience from the start First, the teller at the branch I went to was very skeptical of my deposit It was about 10-checksI told him it was a large deposit when he asked "how much is it?" I said the figure and I got that blank stare that said he was trying to process what I just said He went to prepare a deposit slip as I arranged the checks to pass them along to him He then asks "how much do you think you have there?" That line of questioning threw me off Is this not a financial institution? Do we deal in approximates? I said " I don't think I have this amount, I know I have this amount" I'll jump ahead a bit After many phone calls and one horrible visit to a different branch they still will not release the funds and have frozen my account completely They have taken money that cleared a year ago and have placed a hold on the entire commercial account No one on the phone or at the branch can give me a path to resolution Keep in mind they have verified with the issuers bank and have reached out TWICE to the issuer himself to verify the checks TCF has the funds and will not release themWe are on day of this They sent me a written letter stating they have the funds and they will be made available on the 17th Never happened! The bank stated they reserve the right to review any deposit and freeze an entire account if the chose to Buyer Beware!!! If you read this and decide to do business there you have what's coming to you
Right now with my TCF Bank Choice checking account, I pay $per day if I overdraw on my checking account, even if it is items, the total amount charged to may account is $Starting 1/18/2018, TCF is converting all TCF Bank Choice checking accounts to TCF Free Checking accountsThis means each customer will be charged $per transaction overdrawn, up to $per dayIf you overdraw on a gas purchase for $35, and you buy a cup of coffee at Starbucks for $2, you are billed twice for $over overdrawing on items to total $If you buy a pack of gum for $.99, you are charged another $37, and so on and so on, until you hit $I believe this is an unfair business practice and is a way for TCF to make money off of fees
Normally tcf bank takes days to process a check expected when you have no money it clears in oneI called customer service when I pressed the supervisor how long does it take for a check to clear.Justin the so call supervisor told me he couldn't answer the question because it all dependsThis is the second time I have had major problem with ovrr draft fee the last time they charge me times for I called customer service on I am closing my account after being a customer for yearsBecause the supervisor tried to over talk me and would not give me a chance to explain the problem.The supervisor already had his talking points
On 4/1/there was $3,taken out of my checking account that I didn't know about or notified of TCF said "if I get this reversed they will reimburse all charges on my account On 5/5/the $3,was redeposited I then asked since the money was put back in when will I get my charges reimbursed? TCF changed their mind and did NOTHING!!
Checking my bank statement and I noticed discrepancies! This bank charges RIDICULOUS overdraft fees for purchases that shows that do not add upI was charged two overdraft fees recently for a transaction dated on Sept 2nd and 6thIt is extremely unfair!!! When I contacted customer service, they antagonized me-offering me no help!
My bank/debit card was used fraudulently without my knowledge multiple times in OctoberWhen I noticed the charges, I called my bank (TCF) right awayThe person who used my card fraudulently was arrested for identity theft and theft and is pending criminal prosecutionThese transactions equated to several charges and overdraft fees, totaling several hundred dollarsI initiated a fraud dispute so that the charges could be refused and my overdraft fees would be refundedTCFR has refused multiple times to refund my money, despite the proof I have that I did not make these charges as well as a case report for the police activity due to identity theft
I have experienced fraud with my TCF checking account weeks agoTCF Bank has all my money tied up, charged me multiples of fees resulting from fraudulent chargesInitially filing claim the representative only included of the fraudulent charges, not all of them, so I had to file multiple claimsI've been calling daily trying to make progress and get this resolved and I just get the runaroundInitially it was supposed to be days, now days My matter was supposed to be resolved today and I'm being told at least more days for an updateThis is the worst banking experience I have ever hadMy credit union would have never left me sit weeks without access to MY money due to fraud! I will be closing my account and I will never recommend anyone to TCF
Even though there is enough money in the bank account to push through one transaction,with no feeIf there is others going through at that time, they will charge you thirty seven dollars for each transaction going through Including one for a transaction, even though there is enough money in the account None of this was explained to me when I opened account
I would like to submit a complaint against TCF Bank's processing practicesThe way TCF processed transactions causes members to be charged excessive overdraft feesOn 10/11/16, all of my posted transactions were settledI had a balance of $after all transactions postedI had one pending transaction on 10/11/16, which was for $I was aware that the charge would overdraw my accountIt was for a car repair paymentWe need our vehicles so we knew that we would be charged one overdraft fee of $Well, I checked my account today and TCF Bank charged my account $for three overdraft feesHow? I only had one purchase that overdrew my accountI was confused
I called TCF Bank and the agent told me that PENDING transactions affect POSTED transactionsNow how can that be? Posted transactions are already settled in the system and the merchant has collected the moneyAnything that comes through after all posted transactions have been accounted for should be subje
After moving to the Twin Cities, I got a flyer in the mail with an offer to open a TCF bank account and get a free $pending either direct depositing $or making $worth of payments out of the accountThe flyer was just addressed to current resident at my new apartmentThis flyer came at a good time as I needed a new bank in the Twin Cities as I have most of my money at a small town bank in WisconsinI went to the bank and had to wait over half an hour as there was a customer ahead of me and only one person working the counterThat customer took so long as they were apparently in the middle of a big dispute with TCF about overage chargesThey had paid a TON in overage charges the previous day and now found out they had to pay even more, and even after that there would be another charge from the bankThat customer was not happy and kept making passive aggressive statements about how terrible dealing with TCF isWhen it was finally my turn, I presented the flyer I had been mailedThe person working the counter wanted to see proof of my address to verify that the mailer had been mailed to me as the mailer didn't have my name on itAgain, it just said current residentI had no proof of my address on me as I just moved in, but questioned why I would need it as this was a general offer that has no terms stating you need to verify the address the mailer was sent toThis mailer probably wasn't even meant for me as it was addressed to current resident and it was likely just spam mailed to everyone in my buildingThe person working the counter told me I had to verify my address, otherwise they don't know that the offer was intended for me and I could have stolen it from someone elseSo after hearing how bad the bank was from the customer ahead of me, a long wait, and then being accused of being a thief when I just wanted to give them my money, I leftI discovered that Wells Fargo offers a similar offer to this specific TCF oneI'll be taking my money there insteadHopefully they have better customer service and honor their advertisements
After an extended period without access to my phone or tablet, and thus also no access to my electronic banking apps, I logged in to find that despite the fact that there should have been enough money in my account at the time of the transaction (my balance according to my tcf bank account records and transaction log should have been about $228.18), there was a fraudulent PayPal charge that had tried to be put through on Sep25, for $Even though there was enough money in the account to cover the $200.00, the $to AT&T and $non-tcf atm fees, was put through prior to the $PayPal charge, despite those charges posting after the PayPal chargeEven though there were insufficient funds in the account to cover this PayPal transaction, after having the AT&T and atm fees charged, the PayPal transaction overdrafted my account, which was then credited for that amount, and an overdraft fee was chargedThen again, on October 2nd, PayPal tried to put thro
Tcf bank customer service manager lied about moving charges around and charging more overdraft fees than shouldAlso would not remove charges when after they posted still showed a positive balanceHow can you charge an overdraft fee when you deduct the amount from the available balance and hold it to pay the charge and once they settle still leave an available balance? Not to mention when trying to point out this unfair practice the manager hung up on me
I live paycheck to paycheck and this bank makes it impossible for me to keep track of my account (they charge fees for everything) Awhile back I got an overdraft fee and when I talked to customer service about it they said that it was a mistake on there end bout could were only allowed to refund up to a certain percentof my moneythat they took and screwed me over on so yes it was there fault( I needed 100% back for rent)I worked three jobs and us my online banking to keep track ( I keep my receipts and check to see which ones have gone through)Which for some reason is when is never the same as what I keep track ofI called 7-29-about some issues I had with overdraft fees again the manager I talked to was rude (so was I not going to lie) he told me I need to write all my transactions down and basically making me feel stupid and like I don't know who to add or subtract, because I do keep track of my accountHe asked if I would like to be taken off the overdraft protec
Hello,
My name is *** ***I have contacted TCF bank several times to try to close my checking account with them account number ***I was told many excuses as to why I was not able to close the accountI just want to close the accountThank you
On April 6th I checked both my checking and savings accounts and then found that my checking account was in the negative of I was furiuous called tcf to find out what was going only the lady stated that some purchase had been made in the amount of which confused me because I hadnt made any purchases with my checking account because it had a zero balance and I definately dont need overdraft fees I informed the lady over the phone that my card had been lost or stole maybe two weeks ago and I got it deactivated as soon as I realizedI also stated that those purchases where not mine and I hadnt used my checking account in òver a monthSecondly my issue with this bank is that they allowed four different transactions to be made or withdrawn with no money in the account and I did oupt out for overdrafts transactionsI did end up filing a claim but was told that it could take up to ten bussiness daysI just start getting part of my pay check deposit
UNAUTHORIZED BANK ACCOUNT
I have tried to get an account closed for over months
in mid-august I noticed on my online statement there was a check for $1,taken out of my account it seems to be fraud as it was not my check The bank took nearly weeks to return the money into my account after admitting faultThey put my account and routing number on somebody else's checks in another stateThey called it a "check printing error"I had to go into the bank five times and had to miss work which resulted in lost wagesthe first time I went into the bank which was the day I noticed the money out of my account, I had to sign paperwork for fraud and have it notarizedThe manager of that bank had failed to send the paperwork which I had to find out when I went back in to another Branch for days laterDue to their error, I also had to close my checking account which I had for years and switch all of my billing on to another account
I filed several complaints with TCF only to be apologize to and told they will not reimburse for any lost time and wages or da
I have been a TCF bank customer for years and use their online banking to pay billsBefore Christmas, I set up a bill to be paid to my credit card from my checking account on December 27th in the amount of $6,The money was taken out of my account by TCF bank on December 27thHowever, it is now January 4th and Mastercard has still not received this moneyTherefore, I am unable to put any charges on my Mastercard AND do not have access to the $that was taken out of my checking account by TCF bank on December 27th to pay MastercardThis is VERY inconvenient for me because I have been on vacation since January 2nd, and I was planning to charge all the vacation expenses but instead have had to transfer money from my savings to my checking account to spendThis is a very large amount of money, which I've had to take out of savings rather than charge to my Mastercard to pay off over the next few months out of my checking accountWhen I contacted TCF customer service seve
In late August I noticed fraudulent activity on my newly opened TCF Bank accountThe charges were made in the state of GA, where I have not visited since the age of I disputed the charges with no reason to believe the issue would not be resolvedSeveral weeks went by I received noticed that my claim was denied because I reported charges after they were madeI had no reason to report fraudulent charges before they were madeTCF at no time called my phone or attempted to put any stops on my account when these charges were being made outside of my target zipcodeThis account was established solely for the purpose of saving money for my child and TCF has allowed someone to take the $that my child saved for and was happy to have put into an accountWhen I called to dispute the decision I was told I would receive an email notifying me of the next steps and instead TCF shutdown the account, charged it to collections and put me on the Chex systems all in less than daysI need
I am writing to get help with an issue involving TCF bankIt is located in Jewel/Osco in Bridgeview IllI have ADD/depressionThe reason for me telling you this s because this bank has caused me so much problemsThey have totally taken all my money I worked very hard forI had an alert set up on my account, because of my ADDAnd on or around 12/15/I went to the gas station to get a snackI used my debit card as I left my money at homeI then got my direct deposit paycheck on the following FridayWhen I went to pay my rent I had a negative balance and overdraft feesI got no alert and no letter from this bankI tried to contact a manager regarding this matter and was told they would remove the fees as it was not my faultNow I get a letter they not only took my money from my account BUT also they have me as having a $overdraft feesI am horrifiedI went into the bank on 2/1/and tried to nicely speak to someone and was rudely confronted by a young woman saying