October 24, Ms [redacted] Northfield, MN 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 We sincerely apologize for any inconvenience you may have experienced when another customer’s accounts were visible through your profile when you enrolled in TCF’s Digital BankingOur records indicate that on October 11, TCF updated both account records to correct this error We want you to know that we take the responsibility of safeguarding customer information very seriously, and we are very sorry for any apprehension this situation may have caused you Ms [redacted] , thank you for taking the time to bring this matter to our attentionWe value your relationship with TCF and will strive to renew your confidence Sincerely, Courtney LCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: In reading this letter it seems that TCF Bank is telling me to 'be more aware' of my accountThis is not only insulting but also a lazy answer to my issueTcf bank gouged me with fees when their was money in my account Even if my account was insufficient, most banks these days have a hour to hour grace period This is just one more reason why I should be taking my business elsewhere
Hi ***, I was almost positive that I had forwarded a final response for [redacted] but you must have not received it Please see attachment and let me know if you need anything elseThank you!
March 16, Ms [redacted] Mesa, AZ 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 resolution of your electronic transaction fraud dispute TCF Bank (“TCF”) records indicate that you filed a fraud dispute regarding ATM and pin-based debit card transaction on December 30, TCF completed research and was unable to pay the dispute because the transactions resembled your account activity in transaction amount and retailer typeFurthermore, the card attempts stopped after the dispute was filed On February 27, 2017, TCF received a letter from you disputing the resolution and re-opened the disputeBased on our additional review, we stand by the decision not to pay your dispute Ms [redacted] , we appreciate you taking the time to share your concerns with us and regret we are unable to assist you further Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ July 2, Mr [redacted] Cottage Grove MN Revdex.com Case # [redacted] Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concern You express concern regarding bill pay debits initiated from your TCF Checking account Review of TCF records shows two bill payments made payable to Westconsin Credit Union were initiated through TCF's bill payment processThe payments were sent to the address you provided, which is [redacted] , Ellsworth WI This address differs from the address previously used for payments to this company When the checks were not presented for payment from your account by the merchant, you placed stop payments on the items and incurred $in stop payment feesThe checks were presented to your account for payment on June 24, and returned due to the stop paymentIn addition, you incurred a $overdraft feeTCF already reversed these fees TCF's Online Banking Agreement explains that we do not guarantee that any payee will receive payment by a certain dateWhile we are unable to ascertain why the checks in question were not presented for payment by Westconsin Credit Union earlier, we apologize for any confusion there may have been regarding these payments and if the service you received when attempting to resolve the matter did not meet your expectations Mr***, we appreciate you bringing your concerns to our attention Sincerely, Pamela M Customer Response Representative Cc: [redacted] , Operations Manager, Revdex.com
September 15, [redacted] Saint Paul, MN 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 a monthly maintenance fee that was assessed to your savings account TCF records indicate that account ending in [redacted] was opened for you as a minor savings account on September 28, TCF’s Deposit Account Services and Prices Schedule explains that a monthly maintenance fee will be assessed to the account if the balance falls below the minimum account balance any day of the monthThe Schedule further explains that the monthly maintenance fee is waived on select TCF savings products if a custodial minor is under years of age Our records indicate that the monthly maintenance fee waiver expired on April 2, when you turned years oldWe apologize for any misunderstanding there may have been regarding this practice Review of the account indicates that from April to August your account incurred $in monthly maintenance feesTCF reversed $of these fees on August 19, 2016, which is the same day you closed the accountTo assist you, we have enclosed an Official Bank Check for $as reimbursement of the remaining fees Mr [redacted] , thank you for taking the time to bring your concerns to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: My Husband and I told them everything we know as soon as we saw the activitiesWe last used our account on 10/for gas in the amount of $I had no money in the account after that so I did not pay attention to my account until around 7am 10/which is the day I got paid from workI noticed my money gone and checks trying to be depositedMy husband realized his card was missing as wellHe immediately called to file a report, we found out that it happened at an atm in a city that we don't stay inThey advised us to make a police report so that we can start our caseWe called our local police department but was told since it happened in another city we would have to go there to do itSo I had to call off work and my son had to miss school so that we could go out to South Holland and get a police reportAfter getting the report done we went to the tcf branch near my job in Chicago to file the claimThey showed us the checks that was used to deposit which we never saw before because we never ordered checks and don't handle them eitherSomeone forged his signature so he had to file a claim for that alsoWe don't know how they got his pin but it was really simple in the first place because he forgets things and the easiest pin for him was his birthday and accidents happen as far as loosing things with himIf They could just review my statements and the times and locations it was mainly used at they would notice that I wouldn't have been aware of what was being doneMy family got robbed, I'm now behind on multiple bills, My car is down so I'm struggling to get me and my son to and from work and schoolWe would appreciate if they reviewed Chase bank atm pictures and also the times and locations of the deposits if need be we can fax over our id's for comparison but TCF should a copy of ours already, Also I can send a copy of the police report numberI just want to resolve this issue I've had this account for a long time and don't appreciate not having strong security for when customers such as my husband misplace things and smart criminals get away with destroying my family livelihood without any repercussionsNow I have other relatives suggesting I get a lawyer but all We want is for what was taken to be returned in full pleaseSincerely, [redacted] and [redacted] ***
June 23, Ms [redacted] Clear Lake, MN 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 checking accountWe would like to take this opportunity to explain why the overdraft fees were incurred Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated June 13, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $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 debit 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 and June 17, your account incurred $in overdraft feesTo assist you, we have reversed those feesThis transaction will appear as a credit on your next statement We 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] , thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 14, [redacted] Matteson, IL 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 TCF records indicate that a check in the amount of $was deposited into your account on November 24, The check was returned to TCF as unpaid and debited from your account on November 27, Due to this activity, TCF closed your account and reported it to ChexSystems Due to the circumstances, we have requested that your record at ChexSystems for this account be removedPlease allow 7-business days for this record to be updated Ms***, we hope this clarifies the status of your former account Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 16, [redacted] Kenosha, WI 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 checking account and the balance information that we provide about your account When checking your account balance, 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 we has about funds available for withdrawal from accounts, as it reflects pending debit card transactions and other electronic deposits and paymentsAlso included in available balance are any portion of check deposits that are not yet available for withdrawal, and other holds that may affect the accountThe available balance may change throughout the day as the account is used and as we process transactions Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated November 7, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $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 debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”) Our records indicate that on November 8, your account incurred $in overdraft feesTo assist you, we have reversed those feesThis transaction will appear as a credit on your next statement We 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 Mr [redacted] , thank you for taking the time to bring your concern to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 1, Ms [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Ms***: We received the inquiries you submitted to the Revdex.com and TCF Bank (“TCF”)We appreciate the opportunity to respond to your additional concerns You express concern regarding service you received in connection with a withdrawal that was processed from your TCF account ending in [redacted] effective August 19, TCF records indicate that we have responded to you regarding this issue on September 12, We have attached a copy of our response In our response, we explained that the withdrawal request was honored because the requester [redacted] was a joint account ownerWhile we sympathize with your situation, we continue to maintain that the withdrawal transaction was processed in accordance with the ownership on your account Ms***, we trust this information clarifies the withdrawal transaction and why TCF considers the matter closed Sincerely, Courtney LCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
April 15, Ms [redacted] Chicago, IL 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 concernsYou express concern regarding the status of the unauthorized transaction claims that you filed with TCF Bank (“TCF”)Our records indicate that you filed a claim for an unauthorized debit card transaction on April 6, TCF completed an investigation and credited $to your account on April 13, for the disputed transactionOn April 6, 2016, you also filed a claim for unauthorized PIN-based transactionsTCF completed an investigation and denied your claim because the transactions appear to be consistent with the pattern of use associated with your accountYou also express concern regarding TCF’s processing of checks and debit card transactions when your available balance is insufficientOur records show that you Opted-Out of TCF’s authorization and payment of overdrafts on your ATM and everyday debit card transactions that exceed your account’s available balance at the time of the authorization requestBecause the merchant did not submit an authorization request prior to submitting the $Walmart Grocery debit card transaction for payment, it was not compared to your balance available for posting prior to being processed on April 4, Our records further indicate that you initiated a $web transfer deposit from account ending in on April 2, This made your available sufficient for the subsequent Walmart PIN-based transactions that were also initiated on April 2, We apologize for any misunderstanding there may have been regarding your overdraft election for ATM and everyday debit card transactionsMs***, we thank you for taking the time to share your concerns with usSincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
December 29, Mr [redacted] Gilbert, AZ 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 TCF Bank (“TCF”) checking account ending in We would like to take this opportunity to explain why the overdraft fees were incurred The overdraft notice you received dated December 12, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $This is why your account incurred overdraft feesIn arriving at the available balance, we deduct outstanding debit 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”)For example, your account was assessed five overdraft fees on December 13, due to debit card transactions that arrived for payment TCF records indicate that between December 13, and December 14, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Mr [redacted] , we hope this explains TCF’s policy more fully and thank you for taking the opportunity to communicate your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
June 28, Ms [redacted] Clear Lake, MN Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the follow up inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your request As stated in our previous response, we reversed the $in overdraft fees that were assessed to your account between June and June 17, This transaction will appear as a credit on your next statement Ms [redacted] , thank you for taking the time to follow up with us Sincerely, Erik M Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: The math doesn't add up if you are reducing my debt by $then the balance should be $not the original balance of $I'm afraid by agreeing to this would be agreeing to the same sort of trickery that was used when opening the account if you could send me an amended agreement with the correct amounts I'd gladly accept
August 12, [redacted] Duluth MN 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 We apologize if the service you received through our Customer Service Line did not meet your expectationsIt is our goal to provide service that is respectful, knowledgeable, helpful, and courteousTCF has a commitment to delivering a positive experience with each and every customer interactionYou can be assured we are looking into the encounter you described in your letter and will be addressing it appropriately You express concern about overdraft fees that were assessed to your checking account when you had sufficient funds in your account We would like to take this opportunity to explain how the overdraft fees were incurred in this situationYour 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 withdrawal In the notice dated August 1, 2016, your beginning available balance was $From this balance, we subtracted the transaction that was pending; in this case, the transaction for $The available balance was then negative ($95.93)Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore negative ($134.76), which is why your account was assessed overdraft feesOverdraft fees are assessed to an account on the business day following the insufficient fund activityWe have enclosed copies of your Special Handling notices for your review of this process Our records show that between August 1, and August 2, transactions were presented for payment when there was an insufficient available balance, resulting in $in overdraft feesTCF already reversed $of these feesTo assist you, we have reversed remaining $in feesThis transaction will appear as a credit on your next account statement To further assist you, we have also enclosed our brochure, What You Need to Know About Bank Service Charges and OverdraftsThis is a great tool for our customers to understand how overdraft fees are assessed and how to reduce or avoid them in the future Ms [redacted] , we appreciate you communicating your concern with us and trust this clarifies the activity on your account Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 28, [redacted] Dolton, IL 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 an unsuccessful transfer through our automated phone service that caused overdraft fees to your TCF Bank (“TCF”) account ending in *** On November 11, 2017, an unsuccessful transfer occurred through our automated phone service from your business checking account ending in [redacted] to your personal checking account ending in ***We must inform you that due to account security reasons, TCF does not allow transfers between business and personal accountsTo make future transfers between business and personal accounts, we recommend visiting your local branch, using TCF’s Digital Bill Pay service to send a check or using a third-party payment service such as PayPal TCF records indicate that between November 14, and November 17, 2017, your account incurred $in overdraft feesTCF reversed $of these fees on November 15, To further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr [redacted] , we thank you for taking the time to communicate your concern Sincerely, Travis CCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because:They have not reversed as a courtesy to me the indicated I have been charged over for the yearI would like to request the total amount in fees that this account has assessed in 2016, 2015, and Also if they plan on reversing these fees whenBecause it was stated as though it was already doneThey would not electronically verifiy that the check made to cash for had clear and was paid resulting in Bank of america holding the check from 10/to 11/and me incurring several fees for that Im not clear on the resolutionAlso there response in the claims is not sufficientYou do not have me on video and the charges are unuathorizedThere are allot of charges that could be similar to my pattern of usage is not evidenceIf someone steals my card and charges gasThen I am held responsible for those chargesAs for the that atm was clearly over and you have not provided any other proofI took out of bank of america with receipts and deposited it into tcf and now there is no recordThey are stealing from their customers and it is not fair
Initial Business Response / [redacted] (1000, 5, 2016/01/19) */ January 19, Ms [redacted] S [redacted] XXXXX-XXXX Re: Revdex.com Case # XXXXXXXX CFPB Case # XXXXXX-XXXXXX 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 express concern regarding overdraft fees that were assessed to your TCF Bank checking accountWe would like to take this opportunity to explain why the overdraft fees were incurred Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated January 5, (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 debit 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 January 5, and January 14, your account incurred $in overdraft feesTo assist you, we have reversed $of these feesThis transaction will appear as a credit on your next statement Please note that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and electronic transfer transactionsChanging your election(s) may help you avoid future overdraft fees To further assist you, we 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 fully Sincerely, Courtney [redacted] Customer Response Representative Cc: [redacted] Mediation Coordinator, Revdex.com Consumer Response, Consumer Financial Protection Bureau Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) $of those overdraft fees were due to fraudulent charges on my accountI had to get in touch with TCF reps different times to make sure I got credited the full amountMy complaint was with the $TCF charged me in overdraft feesCrediting my account $did not answer my complaint at all
Initial Business Response / [redacted] (1000, 7, 2015/06/15) */ June 15, Mr [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Mr***, Thank you for your letter regarding your TCF checking accountWe appreciate the opportunity to respond to your concern You expressed concern regarding overdraft fees that were assessed to your account We would like to take this opportunity to explain how the overdraft fees were incurred in this situationYour 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 withdrawal For example the overdraft notices dated May 27, 2015, and May 28, (copies enclosed) shows that your available balance after pending and posted transactions was overdrawn, which is why your account was assessed an overdraft feeOverdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online bankingIn mobile banking pending fees are indicated by an asterisk (*)Pending fees will appear in online and mobile banking by 12:p.mCentral Time TCF gives you certain choices, described below, when you overdraw your Account CHOICE 1: ATM and Everyday Debit Card Transactions You can ask TCF, at its discretion, to authorize and pay overdrafts on your ATM and everyday debit card transactionsOptidoes not guarantee authorization of every transactionIf TCF authorizes your overdraft transaction, you will pay an overdraft feeBy choosing to not to opt-in, TCF will decline your ATM and debit card transactions that exceed your available Account balance at the time of the transactionYou will not be charged a fee for declined transactions CHOICE 2: Checks, Electronic Transactions (Not Involving the use of Your Debit Card), and Transfers You can ask TCF, at its discretion, to authorize and pay overdrafts on your checks, electronic transactions, and transfersOptidoes not guarantee payment of every itemIf TCF pays your overdrafts, you will pay an overdraft feeIf TCF does not pay an overdraft, you will pay a returned item NSF feeYou may also be charged fees by the merchant or person you were trying to payBy choosing to not opt-in, your checks, electronic transactions, and automatic transfers that exceed your available account balance will not be paidYou will pay a returned item NSF feeYou may also be charged fees by the merchant or person you were trying to pay Your current overdraft elections authorize TCF to pay overdrafts for both choicesChanging your overdraft choice(s) may help you avoid future overdraft fees, and you may do so at any time by calling us at [redacted] , visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions) To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your reviewThis is a great resource for our customers to assist them in avoiding or reducing deposit service fees TCF records indicate that between May 28, and May 29, your account incurred $in overdraft feesBecause you are a valued customer, we have reversed those feesThis transaction will appear as a credit on your next statement Mr***, we thank you for banking with TCF and consider it a privilege to serve your banking needs Sincerely, Erik M Customer Response Representative CC: [redacted] , Operations Manager, Better Business Bur
October 24, Ms [redacted] Northfield, MN 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 We sincerely apologize for any inconvenience you may have experienced when another customer’s accounts were visible through your profile when you enrolled in TCF’s Digital BankingOur records indicate that on October 11, TCF updated both account records to correct this error We want you to know that we take the responsibility of safeguarding customer information very seriously, and we are very sorry for any apprehension this situation may have caused you Ms [redacted] , thank you for taking the time to bring this matter to our attentionWe value your relationship with TCF and will strive to renew your confidence Sincerely, Courtney LCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: In reading this letter it seems that TCF Bank is telling me to 'be more aware' of my accountThis is not only insulting but also a lazy answer to my issueTcf bank gouged me with fees when their was money in my account Even if my account was insufficient, most banks these days have a hour to hour grace period This is just one more reason why I should be taking my business elsewhere
Hi ***, I was almost positive that I had forwarded a final response for [redacted] but you must have not received it Please see attachment and let me know if you need anything elseThank you!
March 16, Ms [redacted] Mesa, AZ 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 resolution of your electronic transaction fraud dispute TCF Bank (“TCF”) records indicate that you filed a fraud dispute regarding ATM and pin-based debit card transaction on December 30, TCF completed research and was unable to pay the dispute because the transactions resembled your account activity in transaction amount and retailer typeFurthermore, the card attempts stopped after the dispute was filed On February 27, 2017, TCF received a letter from you disputing the resolution and re-opened the disputeBased on our additional review, we stand by the decision not to pay your dispute Ms [redacted] , we appreciate you taking the time to share your concerns with us and regret we are unable to assist you further Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ July 2, Mr [redacted] Cottage Grove MN Revdex.com Case # [redacted] Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concern You express concern regarding bill pay debits initiated from your TCF Checking account Review of TCF records shows two bill payments made payable to Westconsin Credit Union were initiated through TCF's bill payment processThe payments were sent to the address you provided, which is [redacted] , Ellsworth WI This address differs from the address previously used for payments to this company When the checks were not presented for payment from your account by the merchant, you placed stop payments on the items and incurred $in stop payment feesThe checks were presented to your account for payment on June 24, and returned due to the stop paymentIn addition, you incurred a $overdraft feeTCF already reversed these fees TCF's Online Banking Agreement explains that we do not guarantee that any payee will receive payment by a certain dateWhile we are unable to ascertain why the checks in question were not presented for payment by Westconsin Credit Union earlier, we apologize for any confusion there may have been regarding these payments and if the service you received when attempting to resolve the matter did not meet your expectations Mr***, we appreciate you bringing your concerns to our attention Sincerely, Pamela M Customer Response Representative Cc: [redacted] , Operations Manager, Revdex.com
September 15, [redacted] Saint Paul, MN 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 a monthly maintenance fee that was assessed to your savings account TCF records indicate that account ending in [redacted] was opened for you as a minor savings account on September 28, TCF’s Deposit Account Services and Prices Schedule explains that a monthly maintenance fee will be assessed to the account if the balance falls below the minimum account balance any day of the monthThe Schedule further explains that the monthly maintenance fee is waived on select TCF savings products if a custodial minor is under years of age Our records indicate that the monthly maintenance fee waiver expired on April 2, when you turned years oldWe apologize for any misunderstanding there may have been regarding this practice Review of the account indicates that from April to August your account incurred $in monthly maintenance feesTCF reversed $of these fees on August 19, 2016, which is the same day you closed the accountTo assist you, we have enclosed an Official Bank Check for $as reimbursement of the remaining fees Mr [redacted] , thank you for taking the time to bring your concerns to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: My Husband and I told them everything we know as soon as we saw the activitiesWe last used our account on 10/for gas in the amount of $I had no money in the account after that so I did not pay attention to my account until around 7am 10/which is the day I got paid from workI noticed my money gone and checks trying to be depositedMy husband realized his card was missing as wellHe immediately called to file a report, we found out that it happened at an atm in a city that we don't stay inThey advised us to make a police report so that we can start our caseWe called our local police department but was told since it happened in another city we would have to go there to do itSo I had to call off work and my son had to miss school so that we could go out to South Holland and get a police reportAfter getting the report done we went to the tcf branch near my job in Chicago to file the claimThey showed us the checks that was used to deposit which we never saw before because we never ordered checks and don't handle them eitherSomeone forged his signature so he had to file a claim for that alsoWe don't know how they got his pin but it was really simple in the first place because he forgets things and the easiest pin for him was his birthday and accidents happen as far as loosing things with himIf They could just review my statements and the times and locations it was mainly used at they would notice that I wouldn't have been aware of what was being doneMy family got robbed, I'm now behind on multiple bills, My car is down so I'm struggling to get me and my son to and from work and schoolWe would appreciate if they reviewed Chase bank atm pictures and also the times and locations of the deposits if need be we can fax over our id's for comparison but TCF should a copy of ours already, Also I can send a copy of the police report numberI just want to resolve this issue I've had this account for a long time and don't appreciate not having strong security for when customers such as my husband misplace things and smart criminals get away with destroying my family livelihood without any repercussionsNow I have other relatives suggesting I get a lawyer but all We want is for what was taken to be returned in full pleaseSincerely, [redacted] and [redacted] ***
June 23, Ms [redacted] Clear Lake, MN 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 checking accountWe would like to take this opportunity to explain why the overdraft fees were incurred Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated June 13, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $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 debit 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 and June 17, your account incurred $in overdraft feesTo assist you, we have reversed those feesThis transaction will appear as a credit on your next statement We 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] , thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 14, [redacted] Matteson, IL 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 TCF records indicate that a check in the amount of $was deposited into your account on November 24, The check was returned to TCF as unpaid and debited from your account on November 27, Due to this activity, TCF closed your account and reported it to ChexSystems Due to the circumstances, we have requested that your record at ChexSystems for this account be removedPlease allow 7-business days for this record to be updated Ms***, we hope this clarifies the status of your former account Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 16, [redacted] Kenosha, WI 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 checking account and the balance information that we provide about your account When checking your account balance, 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 we has about funds available for withdrawal from accounts, as it reflects pending debit card transactions and other electronic deposits and paymentsAlso included in available balance are any portion of check deposits that are not yet available for withdrawal, and other holds that may affect the accountThe available balance may change throughout the day as the account is used and as we process transactions Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated November 7, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $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 debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”) Our records indicate that on November 8, your account incurred $in overdraft feesTo assist you, we have reversed those feesThis transaction will appear as a credit on your next statement We 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 Mr [redacted] , thank you for taking the time to bring your concern to our attention Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 1, Ms [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Ms***: We received the inquiries you submitted to the Revdex.com and TCF Bank (“TCF”)We appreciate the opportunity to respond to your additional concerns You express concern regarding service you received in connection with a withdrawal that was processed from your TCF account ending in [redacted] effective August 19, TCF records indicate that we have responded to you regarding this issue on September 12, We have attached a copy of our response In our response, we explained that the withdrawal request was honored because the requester [redacted] was a joint account ownerWhile we sympathize with your situation, we continue to maintain that the withdrawal transaction was processed in accordance with the ownership on your account Ms***, we trust this information clarifies the withdrawal transaction and why TCF considers the matter closed Sincerely, Courtney LCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
April 15, Ms [redacted] Chicago, IL 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 concernsYou express concern regarding the status of the unauthorized transaction claims that you filed with TCF Bank (“TCF”)Our records indicate that you filed a claim for an unauthorized debit card transaction on April 6, TCF completed an investigation and credited $to your account on April 13, for the disputed transactionOn April 6, 2016, you also filed a claim for unauthorized PIN-based transactionsTCF completed an investigation and denied your claim because the transactions appear to be consistent with the pattern of use associated with your accountYou also express concern regarding TCF’s processing of checks and debit card transactions when your available balance is insufficientOur records show that you Opted-Out of TCF’s authorization and payment of overdrafts on your ATM and everyday debit card transactions that exceed your account’s available balance at the time of the authorization requestBecause the merchant did not submit an authorization request prior to submitting the $Walmart Grocery debit card transaction for payment, it was not compared to your balance available for posting prior to being processed on April 4, Our records further indicate that you initiated a $web transfer deposit from account ending in on April 2, This made your available sufficient for the subsequent Walmart PIN-based transactions that were also initiated on April 2, We apologize for any misunderstanding there may have been regarding your overdraft election for ATM and everyday debit card transactionsMs***, we thank you for taking the time to share your concerns with usSincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
December 29, Mr [redacted] Gilbert, AZ 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 TCF Bank (“TCF”) checking account ending in We would like to take this opportunity to explain why the overdraft fees were incurred The overdraft notice you received dated December 12, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $This is why your account incurred overdraft feesIn arriving at the available balance, we deduct outstanding debit 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”)For example, your account was assessed five overdraft fees on December 13, due to debit card transactions that arrived for payment TCF records indicate that between December 13, and December 14, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement Mr [redacted] , we hope this explains TCF’s policy more fully and thank you for taking the opportunity to communicate your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
June 28, Ms [redacted] Clear Lake, MN Re: Revdex.com Case # [redacted] Dear Ms [redacted] , We received the follow up inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your request As stated in our previous response, we reversed the $in overdraft fees that were assessed to your account between June and June 17, This transaction will appear as a credit on your next statement Ms [redacted] , thank you for taking the time to follow up with us Sincerely, Erik M Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
I am rejecting this response because: The math doesn't add up if you are reducing my debt by $then the balance should be $not the original balance of $I'm afraid by agreeing to this would be agreeing to the same sort of trickery that was used when opening the account if you could send me an amended agreement with the correct amounts I'd gladly accept
August 12, [redacted] Duluth MN 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 We apologize if the service you received through our Customer Service Line did not meet your expectationsIt is our goal to provide service that is respectful, knowledgeable, helpful, and courteousTCF has a commitment to delivering a positive experience with each and every customer interactionYou can be assured we are looking into the encounter you described in your letter and will be addressing it appropriately You express concern about overdraft fees that were assessed to your checking account when you had sufficient funds in your account We would like to take this opportunity to explain how the overdraft fees were incurred in this situationYour 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 withdrawal In the notice dated August 1, 2016, your beginning available balance was $From this balance, we subtracted the transaction that was pending; in this case, the transaction for $The available balance was then negative ($95.93)Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore negative ($134.76), which is why your account was assessed overdraft feesOverdraft fees are assessed to an account on the business day following the insufficient fund activityWe have enclosed copies of your Special Handling notices for your review of this process Our records show that between August 1, and August 2, transactions were presented for payment when there was an insufficient available balance, resulting in $in overdraft feesTCF already reversed $of these feesTo assist you, we have reversed remaining $in feesThis transaction will appear as a credit on your next account statement To further assist you, we have also enclosed our brochure, What You Need to Know About Bank Service Charges and OverdraftsThis is a great tool for our customers to understand how overdraft fees are assessed and how to reduce or avoid them in the future Ms [redacted] , we appreciate you communicating your concern with us and trust this clarifies the activity on your account Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
November 28, [redacted] Dolton, IL 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 an unsuccessful transfer through our automated phone service that caused overdraft fees to your TCF Bank (“TCF”) account ending in *** On November 11, 2017, an unsuccessful transfer occurred through our automated phone service from your business checking account ending in [redacted] to your personal checking account ending in ***We must inform you that due to account security reasons, TCF does not allow transfers between business and personal accountsTo make future transfers between business and personal accounts, we recommend visiting your local branch, using TCF’s Digital Bill Pay service to send a check or using a third-party payment service such as PayPal TCF records indicate that between November 14, and November 17, 2017, your account incurred $in overdraft feesTCF reversed $of these fees on November 15, To further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr [redacted] , we thank you for taking the time to communicate your concern Sincerely, Travis CCustomer Response Representative Cc: [redacted] ***, Mediation Coordinator, Revdex.com
I am rejecting this response because:They have not reversed as a courtesy to me the indicated I have been charged over for the yearI would like to request the total amount in fees that this account has assessed in 2016, 2015, and Also if they plan on reversing these fees whenBecause it was stated as though it was already doneThey would not electronically verifiy that the check made to cash for had clear and was paid resulting in Bank of america holding the check from 10/to 11/and me incurring several fees for that Im not clear on the resolutionAlso there response in the claims is not sufficientYou do not have me on video and the charges are unuathorizedThere are allot of charges that could be similar to my pattern of usage is not evidenceIf someone steals my card and charges gasThen I am held responsible for those chargesAs for the that atm was clearly over and you have not provided any other proofI took out of bank of america with receipts and deposited it into tcf and now there is no recordThey are stealing from their customers and it is not fair
Initial Business Response / [redacted] (1000, 5, 2016/01/19) */ January 19, Ms [redacted] S [redacted] XXXXX-XXXX Re: Revdex.com Case # XXXXXXXX CFPB Case # XXXXXX-XXXXXX 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 express concern regarding overdraft fees that were assessed to your TCF Bank checking accountWe would like to take this opportunity to explain why the overdraft fees were incurred Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processedFor example, the overdraft notice dated January 5, (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 debit 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 January 5, and January 14, your account incurred $in overdraft feesTo assist you, we have reversed $of these feesThis transaction will appear as a credit on your next statement Please note that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and electronic transfer transactionsChanging your election(s) may help you avoid future overdraft fees To further assist you, we 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 fully Sincerely, Courtney [redacted] Customer Response Representative Cc: [redacted] Mediation Coordinator, Revdex.com Consumer Response, Consumer Financial Protection Bureau Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) $of those overdraft fees were due to fraudulent charges on my accountI had to get in touch with TCF reps different times to make sure I got credited the full amountMy complaint was with the $TCF charged me in overdraft feesCrediting my account $did not answer my complaint at all
Initial Business Response / [redacted] (1000, 7, 2015/06/15) */ June 15, Mr [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Mr***, Thank you for your letter regarding your TCF checking accountWe appreciate the opportunity to respond to your concern You expressed concern regarding overdraft fees that were assessed to your account We would like to take this opportunity to explain how the overdraft fees were incurred in this situationYour 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 withdrawal For example the overdraft notices dated May 27, 2015, and May 28, (copies enclosed) shows that your available balance after pending and posted transactions was overdrawn, which is why your account was assessed an overdraft feeOverdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online bankingIn mobile banking pending fees are indicated by an asterisk (*)Pending fees will appear in online and mobile banking by 12:p.mCentral Time TCF gives you certain choices, described below, when you overdraw your Account CHOICE 1: ATM and Everyday Debit Card Transactions You can ask TCF, at its discretion, to authorize and pay overdrafts on your ATM and everyday debit card transactionsOptidoes not guarantee authorization of every transactionIf TCF authorizes your overdraft transaction, you will pay an overdraft feeBy choosing to not to opt-in, TCF will decline your ATM and debit card transactions that exceed your available Account balance at the time of the transactionYou will not be charged a fee for declined transactions CHOICE 2: Checks, Electronic Transactions (Not Involving the use of Your Debit Card), and Transfers You can ask TCF, at its discretion, to authorize and pay overdrafts on your checks, electronic transactions, and transfersOptidoes not guarantee payment of every itemIf TCF pays your overdrafts, you will pay an overdraft feeIf TCF does not pay an overdraft, you will pay a returned item NSF feeYou may also be charged fees by the merchant or person you were trying to payBy choosing to not opt-in, your checks, electronic transactions, and automatic transfers that exceed your available account balance will not be paidYou will pay a returned item NSF feeYou may also be charged fees by the merchant or person you were trying to pay Your current overdraft elections authorize TCF to pay overdrafts for both choicesChanging your overdraft choice(s) may help you avoid future overdraft fees, and you may do so at any time by calling us at [redacted] , visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions) To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your reviewThis is a great resource for our customers to assist them in avoiding or reducing deposit service fees TCF records indicate that between May 28, and May 29, your account incurred $in overdraft feesBecause you are a valued customer, we have reversed those feesThis transaction will appear as a credit on your next statement Mr***, we thank you for banking with TCF and consider it a privilege to serve your banking needs Sincerely, Erik M Customer Response Representative CC: [redacted] , Operations Manager, Better Business Bur