December 23, Ms [redacted] New Brighton, MN 55112- RE: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding overdraft fees that were assessed to your accountWe would like to take this opportunity to explain why the overdraft fees were incurred in this instance TCF may decide to either pay or not pay any item submitted to us for payment from your account if the item exceeds your available balance at the time of postingWe will charge you a fee, called a “returned item NSF fee,” each time an item is submitted (or resubmitted) to us for payment from your account and we return the item without paying itWe apologize for any misunderstanding there may have been regarding this practice Your account may also incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day Between November 23, and December 20, your account incurred $in overdraft feesBecause you are a valued customer, we have reversed $of these feesThis transaction will appear as a credit on your next statement Ms [redacted] , we thank you for taking the time to share your concerns and hope this explains TCF’s policies more fully Sincerely, Melody JCustomer Response Representative Cc [redacted] ***, Mediation Coordinator, Revdex.com
April 27, [redacted] Minneapolis, MN Re: Revdex.com Case # [redacted] Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concernsBased on the information you provided, we are unable to locate an account in the name of [redacted] ***Please forward the TCF account number you are referencing or the name and Social Security number for the account, in order that we may access the account informationWe have enclosed a postage paid envelope for the return of this documentationMr***, we thank you for taking the time to write and look forward to receiving the information needed to research your concernsSincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
March 30, Ms [redacted] Joliet, IL Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the availability of cash deposits that you make to your TCF Bank (“TCF”) checking account Cash deposits made with a teller and at ATMs that accept cash deposits will be available funds on the day of deposit If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayTCF records indicate that an $cash deposit was initiated at an ATM on March 18, 2017, which was the day after the insufficient funds activity on March We are sorry for any misunderstanding there may have been regarding this practice Between March 20, and March 21, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Ms [redacted] , we hope this clarifies TCF’s policies more fully Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: I could accept this response EXCEPT TCF makes no reference to the very reasons why I had to take my time to file this complaint When did TCF become a ghetto bank that allows its Hmong supervisor to repeatedly and relentlessly attack its Hmong customersI have heard that other Hmong customers were attacked the same way by Bynie ***I could have not wasted my time if she didn't repeatedly attackI feared for the safety of myself and my son that's why I repeatedly asked her to stop which she refused to until we walked out of TCFthe fees are going to be very expensive considering the time I also needed to change each and every one of my plus bills Is TCF willing to pay all of them including my laborsI charge $an hourwheres the apology?so I need to seek a court ordered apology? Sweeping under the rug is not making it go away aplogize now or else I will ask a court
I am rejecting this response because:I have not understood that any policies have changedI alerted TCF Bank on October 6th that there was an issue with the account and that someone else's information was accessible to me (along with $7,000)I would like to see the policy changed so that a manager can take immediate action to rectify a situation where a client's information is accessible to another personI feel like my information is vulnerable now after seeing how TCF handled someone else's information I am looking for the practice of taking care of complaints to changeIf a person ever has their information breeched, especially at fault of the bank, it should be fixed immediately.Please let me know how something has changed and I will feel differently about this.Kind Regards, [redacted]
December 22, Re: Ms [redacted] Revdex.com Case # [redacted] We have received the inquiry Ms [redacted] submitted to the Revdex.com and appreciate the opportunity to respond On December 13, and December 14, 2017, we reached out to Ms [redacted] directly regarding the issueWe have compensated her in the amounts of $and $for the remaining overdraft fees and transactions included in her electronic transaction disputeMs [redacted] stated she is satisfied with this resolutionIf you have any further questions regarding this matter, please do not hesitate to contact usSincerely, Courtney L.Customer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: This is a new issue that has arrived and the matter is still happening This matter needs to be looked into because this is unacceptable that am occurring overdraft charges for money that was in my account
Initial Business Response / [redacted] (1000, 10, 2015/06/12) */ June 12, Ms [redacted] Roselle IL Revdex.com Case # [redacted] Dear Ms***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concern You express concern regarding your overdraft elections Review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization requestWe are sorry for any misunderstanding there may have been when you were making your electionsIt is TCF's goal to ensure our customers have a full understanding of the account at the time it is openedFurther review indicates that on September 12, you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization requestYou will not be charged a fee for declined ATM and everyday debit card transactions We do not, however, have a record of you electing to opt-out of TCF's payment of overdrafts due to checks, ACH transactions, and transfersWhen you opt-out of TCF's payment overdrafts on your checks, ACH and electronic transfers, TCF will return the transactions without paying them if they exceed your available balancePlease note that TCF may charge you a fee anytime we return items unpaid Per your request, we have updated your overdraft elections to decline checks, ACH transactions and electronic transfers that exceed your account's available balance at the time of the authorization request Please keep in mind that recurring debit card transactions are not covered under either election and may post to your account even if you have insufficient funds in the account, resulting in overdraft fees Ms***, thank you for taking the time to submit your inquiry Sincerely, Pamela M Customer Response Representative Cc: [redacted] , Operations Manager, Revdex.com
July 28, [redacted] Dolton, IL Re: Revdex.com Case # [redacted] Dear Ms***, We received your additional inquiry submitted through the Revdex.com and appreciate the opportunity to clarify the activity on your account Our records indicate that on July 1, an insurance payment processed from your accountWhile we understand that this was an automatic payment, there are other undisputed card transactions that processed from your account during and after the disputed chargesWe are unable to pay your dispute because of these transactions Ms***, we trust that we have further clarified the actions that were taken with regard to your transaction error dispute and regret that we are not able to assist you further Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
June 14, Ms [redacted] ***StPaul, MN 55107-Re: Revdex.com Case # [redacted] CFPB Case # [redacted] Dear Ms [redacted] , We received the inquiries you submitted to the Revdex.com and the Consumer Financial Protection BureauWe appreciate the opportunity to respond to your concerns You expressed concern that your account balance as shown in our online banking site was not accurate, causing you to incur overdraft feesWhen checking your account balance online, you should refer to your available balanceThis generally represents your available balance as of the date and time displayedThe available balance is the most current information that TCF Bank (“TCF”) has about funds available for withdrawal from accounts, as it reflects pending debit card transactions and other electronic deposits and payments Also included in available balance are any portion of check deposits that are not yet available for withdrawal, and other holds that may affect the account The available balance may change throughout the day as the account is used and as TCF processes transactions Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedThe overdraft notice dated June 7, (copy enclosed) shows that your available balance after pending and posted transactions was negative $This is why your account was assessed overdraft feesIn arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”)Our records indicate that between June 8, and June 10, your account incurred $in overdraft feesTCF reversed $of these feesTo further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statementWe have also enclosed a copy of our brochure “What You Need to Know About Bank Service Charges and Overdraft Fees” for your reviewThis is a great resource to assist customers with avoiding or reducing overdraft fees in the future.Ms [redacted] , we hope this explains TCF’s policies more fullySincerely, Courtney L.Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.comConsumer Response, Consumer Financial Protection Bureau
March 23, [redacted] Woodbury, MN Dear Mr [redacted] : Thank you for contacting us regarding your TCF experienceWe appreciate the opportunity to address your concerns You express concern regarding the status of your TCF Digital Bill Pay profile Our records indicate that you used TCF’s Digital Bill Pay to initiate two electronic payments for $1,each to Well Fargo Home MortgageOur records further indicate that you contacted our Customer Service Line to place a stop payment when one of the payments was presented for payment on March 5, On March 6, 2018, the payment was returned unpaid due to the stop paymentSubsequently, the stop payment was removed on March 10, Additionally, we are pleased to see that Wells Fargo Home Mortgage received payment on March 2, We must inform you that when an electronic bill payment is returned unpaid for any reason, the corresponding bill payment profile and access are systematically blocked until the transaction in question is settled with our bill pay vendor and our Customer Service Line receives a request to reactivate your bill payment profile Our records further indicate that we reactivated your bill payment profile on March 16, per your request when you contacted our Customer Service Line on March 15, We regret any inconvenience you may have experienced due to this process Mr [redacted] , we thank you for taking the time to share your concerns with us Sincerely, Travis CCustomer Response Representative
April 18, Mr [redacted] Wauwatosa, WI 53213- Re: Revdex.com Case # [redacted] Dear Mr [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding overdraft fees that were assessed to your accountWe would like to take this opportunity to explain how the overdraft fees were incurred in this situation Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processedIn arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize the purchases, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”) TCF records indicate that between April 10, and April 11, 2017, your account incurred $in overdraft fees when transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Mr [redacted] , we thank you for taking the opportunity to communicate your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI still think that they should have given me the money back right awayThey gave away 9k of my money and wouldn't give it back for days
June 16, Mr [redacted] Minneapolis, MN Re: Revdex.com Case # [redacted] Dear Mr [redacted] , We received the inquiries you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the fees associated with a garnishment that was debited from your checking account Our records indicate that on April 1, TCF received a Notice of Garnishment and withdrew $3,from your accountTCF is required by law to comply with the garnishment and as TCF does not know ahead of time that an account is to be levied, advance notice cannot be sent to our customersA $levy garnishment fee was assessed to your account in accordance with TCF’s Deposit Account Services and Prices Schedule On May 2, 2016, the withdrawal and levy garnishment fee were both credited back to your account when TCF was notified of your bankruptcy Further review of our records indicates that between April 1, and May 2, 2016, your account incurred $in overdraft fees and $in returned item NSF fees because of transactions that were presented to your account for payment when you had insufficient available fundsTCF reversed $of these feesTo assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr [redacted] , thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
February 21, [redacted] Farmington, MI Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding a $transfer that was processed from your account ending in [redacted] on January 11, Our records indicate that this account is held in joint tenancy with Mr [redacted] If you open an account in “joint tenancy,” both of you share an ownership interest in the accountTCF may lawfully deduct funds from your joint account to pay any debt that either you or the joint owner owes to TCFWe may exercise this right without notifying you in advance unless the law requires otherwiseIn some instances, this is called our right of “setoff.” Our review of your account indicates that the $was transferred to pay a debt owed to TCF by the joint tenant on another TCF accountWe regret any misunderstanding there may have been regarding the responsibilities of joint ownershipWhile we sympathize with your situation, we are unable to reimburse you for this transaction Ms [redacted] , we appreciate you taking the time to bring your concerns to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
September 13, Mr [redacted] Minneapolis, MN 55417- Re: Revdex.com Case # [redacted] Dear Mr [redacted] : We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns We sincerely apologize if your experience with TCF Bank (“TCF”) digital banking and our team members when you requested assistance did not meet your expectationsIt is our goal to provide services that are efficient, convenient and valuable While we are committed to delivering a positive experience with each and every customer interaction, we understand that we may not have delivered on that promise and your experience may have been less than positive when you attempted to access your accounts using our new digital platform Review of our records indicates that you have successfully accessed your digital banking profile on September 10, If you require additional assistance, please contact our Customer Service Line directly at 800-TCF-BANK (###-###-####) Mr [redacted] , we truly appreciate that you have voiced your concernsWe value your relationship with TCF Bank Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 7, Ms [redacted] Racine, WI Re: Revdex.com Case # [redacted] Dear Ms***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the resolution of your electronic transaction merchant dispute A review of our records indicate that on October 7, 2017, you filed a dispute regarding $in debit card funded transactions because you stated that you did not authorize the merchant to withdraw the fundsTCF completed research and was unable to pay your dispute because it involves a signed agreement with the merchant While we sympathize with your situation, TCF does not have any recovery rights in this matterPlease contact the merchant directly to request a refundWe recommend filing a police report, and would be happy to provide any information we have to their investigation Ms***, we trust that we have clarified the actions that were taken with regard to your electronic transaction merchant dispute Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because:I checked my bank accountThere are still overdraft fees on my accountWhich is $more then what was expecting to payLooks like those were charged after the initial letter from TCFI can deposit the money and get my account to zero if we can come to an agreement to wave all overdraft fees and stop any other charges that may come through before I have a chance to cancel the accountThank you, [redacted]
December 23, Ms [redacted] New Brighton, MN 55112- RE: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding overdraft fees that were assessed to your accountWe would like to take this opportunity to explain why the overdraft fees were incurred in this instance TCF may decide to either pay or not pay any item submitted to us for payment from your account if the item exceeds your available balance at the time of postingWe will charge you a fee, called a “returned item NSF fee,” each time an item is submitted (or resubmitted) to us for payment from your account and we return the item without paying itWe apologize for any misunderstanding there may have been regarding this practice Your account may also incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day Between November 23, and December 20, your account incurred $in overdraft feesBecause you are a valued customer, we have reversed $of these feesThis transaction will appear as a credit on your next statement Ms [redacted] , we thank you for taking the time to share your concerns and hope this explains TCF’s policies more fully Sincerely, Melody JCustomer Response Representative Cc [redacted] ***, Mediation Coordinator, Revdex.com
April 27, [redacted] Minneapolis, MN Re: Revdex.com Case # [redacted] Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concernsBased on the information you provided, we are unable to locate an account in the name of [redacted] ***Please forward the TCF account number you are referencing or the name and Social Security number for the account, in order that we may access the account informationWe have enclosed a postage paid envelope for the return of this documentationMr***, we thank you for taking the time to write and look forward to receiving the information needed to research your concernsSincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
March 30, Ms [redacted] Joliet, IL Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the availability of cash deposits that you make to your TCF Bank (“TCF”) checking account Cash deposits made with a teller and at ATMs that accept cash deposits will be available funds on the day of deposit If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayTCF records indicate that an $cash deposit was initiated at an ATM on March 18, 2017, which was the day after the insufficient funds activity on March We are sorry for any misunderstanding there may have been regarding this practice Between March 20, and March 21, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Ms [redacted] , we hope this clarifies TCF’s policies more fully Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: I could accept this response EXCEPT TCF makes no reference to the very reasons why I had to take my time to file this complaint When did TCF become a ghetto bank that allows its Hmong supervisor to repeatedly and relentlessly attack its Hmong customersI have heard that other Hmong customers were attacked the same way by Bynie ***I could have not wasted my time if she didn't repeatedly attackI feared for the safety of myself and my son that's why I repeatedly asked her to stop which she refused to until we walked out of TCFthe fees are going to be very expensive considering the time I also needed to change each and every one of my plus bills Is TCF willing to pay all of them including my laborsI charge $an hourwheres the apology?so I need to seek a court ordered apology? Sweeping under the rug is not making it go away aplogize now or else I will ask a court
I am rejecting this response because:I have not understood that any policies have changedI alerted TCF Bank on October 6th that there was an issue with the account and that someone else's information was accessible to me (along with $7,000)I would like to see the policy changed so that a manager can take immediate action to rectify a situation where a client's information is accessible to another personI feel like my information is vulnerable now after seeing how TCF handled someone else's information I am looking for the practice of taking care of complaints to changeIf a person ever has their information breeched, especially at fault of the bank, it should be fixed immediately.Please let me know how something has changed and I will feel differently about this.Kind Regards, [redacted]
December 22, Re: Ms [redacted] Revdex.com Case # [redacted] We have received the inquiry Ms [redacted] submitted to the Revdex.com and appreciate the opportunity to respond On December 13, and December 14, 2017, we reached out to Ms [redacted] directly regarding the issueWe have compensated her in the amounts of $and $for the remaining overdraft fees and transactions included in her electronic transaction disputeMs [redacted] stated she is satisfied with this resolutionIf you have any further questions regarding this matter, please do not hesitate to contact usSincerely, Courtney L.Customer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: This is a new issue that has arrived and the matter is still happening This matter needs to be looked into because this is unacceptable that am occurring overdraft charges for money that was in my account
Initial Business Response / [redacted] (1000, 10, 2015/06/12) */ June 12, Ms [redacted] Roselle IL Revdex.com Case # [redacted] Dear Ms***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concern You express concern regarding your overdraft elections Review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization requestWe are sorry for any misunderstanding there may have been when you were making your electionsIt is TCF's goal to ensure our customers have a full understanding of the account at the time it is openedFurther review indicates that on September 12, you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization requestYou will not be charged a fee for declined ATM and everyday debit card transactions We do not, however, have a record of you electing to opt-out of TCF's payment of overdrafts due to checks, ACH transactions, and transfersWhen you opt-out of TCF's payment overdrafts on your checks, ACH and electronic transfers, TCF will return the transactions without paying them if they exceed your available balancePlease note that TCF may charge you a fee anytime we return items unpaid Per your request, we have updated your overdraft elections to decline checks, ACH transactions and electronic transfers that exceed your account's available balance at the time of the authorization request Please keep in mind that recurring debit card transactions are not covered under either election and may post to your account even if you have insufficient funds in the account, resulting in overdraft fees Ms***, thank you for taking the time to submit your inquiry Sincerely, Pamela M Customer Response Representative Cc: [redacted] , Operations Manager, Revdex.com
July 28, [redacted] Dolton, IL Re: Revdex.com Case # [redacted] Dear Ms***, We received your additional inquiry submitted through the Revdex.com and appreciate the opportunity to clarify the activity on your account Our records indicate that on July 1, an insurance payment processed from your accountWhile we understand that this was an automatic payment, there are other undisputed card transactions that processed from your account during and after the disputed chargesWe are unable to pay your dispute because of these transactions Ms***, we trust that we have further clarified the actions that were taken with regard to your transaction error dispute and regret that we are not able to assist you further Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: They have been reviewing this situation since April 11th, with no movement or path to resolution
June 14, Ms [redacted] ***StPaul, MN 55107-Re: Revdex.com Case # [redacted] CFPB Case # [redacted] Dear Ms [redacted] , We received the inquiries you submitted to the Revdex.com and the Consumer Financial Protection BureauWe appreciate the opportunity to respond to your concerns You expressed concern that your account balance as shown in our online banking site was not accurate, causing you to incur overdraft feesWhen checking your account balance online, you should refer to your available balanceThis generally represents your available balance as of the date and time displayedThe available balance is the most current information that TCF Bank (“TCF”) has about funds available for withdrawal from accounts, as it reflects pending debit card transactions and other electronic deposits and payments Also included in available balance are any portion of check deposits that are not yet available for withdrawal, and other holds that may affect the account The available balance may change throughout the day as the account is used and as TCF processes transactions Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedThe overdraft notice dated June 7, (copy enclosed) shows that your available balance after pending and posted transactions was negative $This is why your account was assessed overdraft feesIn arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”)Our records indicate that between June 8, and June 10, your account incurred $in overdraft feesTCF reversed $of these feesTo further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statementWe have also enclosed a copy of our brochure “What You Need to Know About Bank Service Charges and Overdraft Fees” for your reviewThis is a great resource to assist customers with avoiding or reducing overdraft fees in the future.Ms [redacted] , we hope this explains TCF’s policies more fullySincerely, Courtney L.Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.comConsumer Response, Consumer Financial Protection Bureau
March 23, [redacted] Woodbury, MN Dear Mr [redacted] : Thank you for contacting us regarding your TCF experienceWe appreciate the opportunity to address your concerns You express concern regarding the status of your TCF Digital Bill Pay profile Our records indicate that you used TCF’s Digital Bill Pay to initiate two electronic payments for $1,each to Well Fargo Home MortgageOur records further indicate that you contacted our Customer Service Line to place a stop payment when one of the payments was presented for payment on March 5, On March 6, 2018, the payment was returned unpaid due to the stop paymentSubsequently, the stop payment was removed on March 10, Additionally, we are pleased to see that Wells Fargo Home Mortgage received payment on March 2, We must inform you that when an electronic bill payment is returned unpaid for any reason, the corresponding bill payment profile and access are systematically blocked until the transaction in question is settled with our bill pay vendor and our Customer Service Line receives a request to reactivate your bill payment profile Our records further indicate that we reactivated your bill payment profile on March 16, per your request when you contacted our Customer Service Line on March 15, We regret any inconvenience you may have experienced due to this process Mr [redacted] , we thank you for taking the time to share your concerns with us Sincerely, Travis CCustomer Response Representative
April 18, Mr [redacted] Wauwatosa, WI 53213- Re: Revdex.com Case # [redacted] Dear Mr [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding overdraft fees that were assessed to your accountWe would like to take this opportunity to explain how the overdraft fees were incurred in this situation Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processedIn arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize the purchases, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”) TCF records indicate that between April 10, and April 11, 2017, your account incurred $in overdraft fees when transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Mr [redacted] , we thank you for taking the opportunity to communicate your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI still think that they should have given me the money back right awayThey gave away 9k of my money and wouldn't give it back for days
Please see attached for response
June 16, Mr [redacted] Minneapolis, MN Re: Revdex.com Case # [redacted] Dear Mr [redacted] , We received the inquiries you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the fees associated with a garnishment that was debited from your checking account Our records indicate that on April 1, TCF received a Notice of Garnishment and withdrew $3,from your accountTCF is required by law to comply with the garnishment and as TCF does not know ahead of time that an account is to be levied, advance notice cannot be sent to our customersA $levy garnishment fee was assessed to your account in accordance with TCF’s Deposit Account Services and Prices Schedule On May 2, 2016, the withdrawal and levy garnishment fee were both credited back to your account when TCF was notified of your bankruptcy Further review of our records indicates that between April 1, and May 2, 2016, your account incurred $in overdraft fees and $in returned item NSF fees because of transactions that were presented to your account for payment when you had insufficient available fundsTCF reversed $of these feesTo assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr [redacted] , thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
February 21, [redacted] Farmington, MI Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding a $transfer that was processed from your account ending in [redacted] on January 11, Our records indicate that this account is held in joint tenancy with Mr [redacted] If you open an account in “joint tenancy,” both of you share an ownership interest in the accountTCF may lawfully deduct funds from your joint account to pay any debt that either you or the joint owner owes to TCFWe may exercise this right without notifying you in advance unless the law requires otherwiseIn some instances, this is called our right of “setoff.” Our review of your account indicates that the $was transferred to pay a debt owed to TCF by the joint tenant on another TCF accountWe regret any misunderstanding there may have been regarding the responsibilities of joint ownershipWhile we sympathize with your situation, we are unable to reimburse you for this transaction Ms [redacted] , we appreciate you taking the time to bring your concerns to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
September 13, Mr [redacted] Minneapolis, MN 55417- Re: Revdex.com Case # [redacted] Dear Mr [redacted] : We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns We sincerely apologize if your experience with TCF Bank (“TCF”) digital banking and our team members when you requested assistance did not meet your expectationsIt is our goal to provide services that are efficient, convenient and valuable While we are committed to delivering a positive experience with each and every customer interaction, we understand that we may not have delivered on that promise and your experience may have been less than positive when you attempted to access your accounts using our new digital platform Review of our records indicates that you have successfully accessed your digital banking profile on September 10, If you require additional assistance, please contact our Customer Service Line directly at 800-TCF-BANK (###-###-####) Mr [redacted] , we truly appreciate that you have voiced your concernsWe value your relationship with TCF Bank Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 7, Ms [redacted] Racine, WI Re: Revdex.com Case # [redacted] Dear Ms***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding the resolution of your electronic transaction merchant dispute A review of our records indicate that on October 7, 2017, you filed a dispute regarding $in debit card funded transactions because you stated that you did not authorize the merchant to withdraw the fundsTCF completed research and was unable to pay your dispute because it involves a signed agreement with the merchant While we sympathize with your situation, TCF does not have any recovery rights in this matterPlease contact the merchant directly to request a refundWe recommend filing a police report, and would be happy to provide any information we have to their investigation Ms***, we trust that we have clarified the actions that were taken with regard to your electronic transaction merchant dispute Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because:I checked my bank accountThere are still overdraft fees on my accountWhich is $more then what was expecting to payLooks like those were charged after the initial letter from TCFI can deposit the money and get my account to zero if we can come to an agreement to wave all overdraft fees and stop any other charges that may come through before I have a chance to cancel the accountThank you, [redacted]