April 14, Mr [redacted] StPaul, 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 regarding your experience with TCF We sincerely apologize that the service you received from our Phalen Cub location when requesting to order a new chip-enabled debit card did not meet your expectationsIt is our goal to provide service that is respectful, knowledgeable, helpful, and courteousWe assure you that TCF’s commitment to a positive experience for each and every customer is unwavering and we truly appreciate that you have voiced your concernsWe have forwarded your comments to the appropriate area for review We also are very sorry for any confusion you may experienced regarding procedures for chip-enabled debit cardsCards that are instantly issued will generate a new card number with each request We also understand that you may have incurred fees due to transactions that attempted to be processed when you were waiting to receive a new cardSo that we can further assist you, please provide documentation for our consideration in reimbursement of these feesWe have enclosed a postage paid envelope for your convenience Mr [redacted] , we thank you for taking the time to share your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
September 30, Ms [redacted] Chicago, 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 your automated deposit and the timing of when checks that you write post to your account Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositorTCF’s Terms and Conditions for Checking and Savings Accounts explain that if you receive an electronic credit, the credit is not final until we receive final payment from the payerTCF adjusts your Available Balance for ACH deposits at the start of the Business Day designated as the “settlement date” for the transactionWe then post these transactions when we process themProcessing starts in the evening on Business Days Please note that Available Balance does not reflect checks you have written but that have not yet been presented to TCF for payment and posted to your accountTCF has no control of when a merchant or recipient of your check will submit the item to us for paymentOnce a check is submitted to TCF for payment, it is processed the same business day it is received TCF records indicate that on September 16, 2016, an automated deposit was processed to your accountIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayThe fees that you incurred on September were because of transactions that were processed on September We are sorry for any misunderstanding there may have been regarding this practice To assist you, we have reversed the $in overdraft fees that were assessed to your account on September 16, This will show as a credit on your next statement Ms [redacted] , thank you for banking with TCF and for bringing this matter to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Initial Business Response / [redacted] (1000, 10, 2015/08/25) */ August 25, Ms [redacted] N [redacted] XXXXX Revdex.com Case # XXXXXXXX Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding on overdraft fee that was assessed to your account We would like to take this opportunity to explain why an overdraft fees was assessed in this instanceYour account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processedIn arriving at the available balance, we deduct outstanding check card authorizations; in this case, the LEE NAILS CLARK, EVANSTON Howard and OFFICE MAX transactions The overdraft notice dated August 11, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$This is why your account was assessed an overdraft feeOverdraft fees are calculated the morning after your account is overdrawn and 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 appear in online and mobile banking by 12:p.mCentral TimeWhile your $transfer was conducted before the pending fee appeared in online and mobile banking, the transfer was not conducted in time to avoid the fee TCF records indicate that on August 12, you incurred a $overdraft feeTo assist you with this situation, we have reversed this fee Ms [redacted] , thank you for taking the time to submit your inquiry Sincerely, [redacted] M Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Revdex.com
I am rejecting this response because: There was nothing I wrote to respond to a letter they stated was sent to me and was returned back to them It was suppose to have additional information for me to fill out The second request to re-open the dispute was a one paragraph response from me asking them what did it me that there were similarities on the account that appear to be normal My dispute was not so much fraud but a lost/stolen card while I was in California I returned back to Arizona on the 28th of December and make a complaint of my card being lost or stolen I had another bank teller who asked me questions pertaining to this incident that was very detailed She said they didn't have any information as to what happened or what took place, where I was, or when I was out of State I have nothing to do with nothing else happening to the card It should have been allowed any more transactions as the card was locked because of it being stolen and I replaced the card at the very first opportunity I cannot identify having the same or similar activities that went on in another State and or course nothing would continue if you report a card lost/stolen This bank seems to identify similarities as a mean to deny a lost or stolen card I take money out and put money in my account Did money come in my account with the other card as well? I have no knowledge of this I believed the card was shut off the day I reported it lost/stolen No I will not accept TCF bank denial because of similar activities unless these activities were done in Arizona where I used my card The only way I knew my card was gone was because I tried using another bank card I had in my purse that was from an account that I once was going to open but did not deposit into the account I tried using the card but it did not accept my pin number and this is when I called TCF to report my card lost/stolen Was this card used again? no it wasn't because I cut this card up because it was not a card I could use I would like to continue this case because it appears that the reason behind my denial is not that of what a bank would look for in two different States at the same time Whatever took place on the dates it was used wasn't noticed by me until the day I called into the bank to explain that my card was missing because I tried to use the card I had in my possession which was told by the banker that it was an old card not the card I should have for my account
December 12, [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Ms***, We received the inquiries you submitted to the Revdex.com and TCF’s online banking websiteWe appreciate the opportunity to respond to your concern You express concern about overdraft fees that were assessed to your account Your current overdraft elections for checking account ending in show that you asked TCF to pay your ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account’s available balance at the time of the authorization request While 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”)We are sorry for any misunderstanding there may have been when you were making your elections 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 itPlease note that choosing to authorize checks, ACHs and transfer transactions that exceed your available balance at the time of the authorization request will not guarantee payment of the transactions Our records indicate that between November 3, and December 2, you incurred a $in overdraft fees when transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed $of these fees To further assist you, we have also enclosed our What You Need to Know About Bank Service Charges and Overdraft Fees” brochure for your reviewThis is a great resource to assist customers with avoiding or reducing overdraft fees in the future Ms***, we trust this information addresses your concern Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 20, [redacted] Mesa, 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 accountWe would like to take this opportunity to explain why overdraft fees were incurred in this instance Your account may 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 Our records for your account ending in indicate that between July 12, and July 13, you incurred $in overdraft feesOn July 14, 2016, TCF reversed $in overdraft feesOur records further indicate that on July 18, TCF reversed the remaining $in overdraft fees We apologize if the service you received from 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 interaction You also state that TCF should not have allowed overdrafts on your account You state to have used our online banking service to Opt-Out of overdrafts on the accountWhen you opened the account on May 12, 2015, you asked TCF to pay ATM, everyday debit card transactions, checks, and ACH transactions that exceed your account’s available balance at the time of the authorization requestTCF does not have record of a request to change your overdraft election(s) date You may change your election(s) at any time by calling us at ###-###-####, visiting a TCF branch, using TCF’s online banking service, or using TCF’s ATMs (for ATM and everyday debit card transactions)Changing your election(s) may help you avoid overdraft fees in the future Mr [redacted] , we thank you for sharing your concerns with us Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
February 22, 2017 Mr. [redacted] *South Saint Paul, MN 55075 Re: BBB Case # [redacted] Dear Mr. [redacted] , We received the inquiry you submitted to the RevDex.com and appreciate the opportunity to address your... concern. You express concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why overdraft fees were incurred in this instance. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. Please note that available balance does not reflect checks you have written or other transactions that you have authorized but that have not yet been presented to TCF for payment and posted to your account. TCF has no control of when a merchant or recipient of your check will submit the item to us for payment. Once a check is submitted to TCF for payment, it is processed the same business day it is received. We regret any misunderstanding there may have been regarding this process. Our records indicate that on February 7, 2017 you incurred $111 in overdraft fees. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. Mr. [redacted] , we thank you for your long standing banking relationship with TCF and trust this information will assist you in reconciling your account. Sincerely, Melody J.Customer Response Representative Cc: [redacted] , Mediation Coordinator, RevDex.com
July 8, Ms [redacted] Country Club Hills, IL 60478- 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 an overdraft fee that was assessed to your TCF Bank account We would like to take this opportunity to explain why the overdraft fee was incurred in this instance TCF records indicate that on June 30, 2016, an automated deposit from Fidelity was processed to your accountIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayThe fee that you incurred on June was because of a transaction that was processed on June We are sorry for any misunderstanding there may have been regarding this practice Between June 30, and July 6, 2016, 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 feesIf you would like to change your overdraft election(s), please visit your local TCF branch location or contact TCF’s Customer Service line at 1-800-TCF-BANK (###-###-####) 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 Sincerely, Courtney L Customer 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 me Yea, A manager finally actually looked at the transactions and removed the one that shouldn't have been thereIf you look both feesThe 30th has Amazon, Holiday, and Kwik coming out leaving me at -7; leaving my first nsf feem, Which is legitBut then They posted and the next day as it posted in the opposite order, giving me a NSF on the Amazon used to remove the funds and give me an NSF fee the day priorI know this wasn't done by some greedy hand laughing as the fees got postIts a bug in the coding of the software running your businessThis complaint was more for the fact that no matte who I call, No one actually looked and just said yea, you got charged and have a nice dayIt wasnt until I had to ask for a manager and force him to look close to see the charges and how they processed for anyone to do anything about it
September 23, Ms [redacted] North York, ON M2H 2N Re: Revdex.com Case # [redacted] Dear Ms ***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further respond to your concerns We apologize for any misunderstanding you may have experienced regarding the response that we provided to you on September 16, We are happy to clarify that in order that we may withdraw the funds that are currently in your account and send them to you in Canada, you will first need to submit a written request to TCF and have your signature on the request notarized Ms***, we thank you for your additional correspondence and look forward to assisting you as soon as we receive this request Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
June 2, Ms [redacted] Cicero, 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 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 Your account may incur an overdraft fee for any transaction that exceeds your 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 withdrawalThe overdraft notice dated May 20, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $Your account was assessed overdraft fees because ATM and pin-based debit card transactions were presented for payment from your account when there were insufficient funds in the account You also expressed concern regarding PIN-based debit card transaction processing TCF’s Terms and Conditions for Checking and Savings Accounts explain that PIN transactions are generally posted to your Account the same Business Day on which they happenThe Terms and Conditions further explain that the cutoff time for deposits and withdrawals is p.min IllinoisPlease note that some merchants may require you to enter your PIN to complete a transaction but then process the transaction as if were “off line.” We have no control over the way merchants process their transactionsWe apologize for any misunderstanding there may have been regarding this matter TCF records indicate that between May 23, and May 24, 2016, your account incurred $in overdraft feesTCF reversed $on May 24, To assist you, we have reversed the remaining $of these feesThis transaction will appear as a credit on your next statement Ms***, we hope this explains TCF’s policies more fully Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
August 8, [redacted] Burnsville 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 concerns You express concern regarding the closure of your accounts and the service you received when attempting to obtain information from our team members We regret if the service you received did not meet your expectationsTCF Bank (“TCF”) has a commitment to delivering a positive experience with each customer interaction TCF, like other financial institutions, reviews information to ensure that we have a reasonable level of understanding regarding each customer’s banking relationship As part of this process, we sent you a questionnaire requesting additional informationWe regret any confusion there may have been when we received your initial response; however, we needed clarification to finalize the requestWhen all of the information was not returned, your accounts were closed on July 20, Our records indicate that we still need you to complete the questionnaire in order to complete our reviewPlease note that if this questionnaire is not returned, the accounts will remain closedFor your convenience, we have enclosed the questionnaire and a postage paid return envelope We also understand that you may have incurred fees due to transactions that attempted to be processed when the accounts were closedSo that we can further assist you, please provide documentation for our consideration in reimbursement of these fees Mr**, we sincerely apologize for any inconvenience this caused you Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 20, [redacted] Dolton, 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 You express concern regarding the resolution of your unauthorized transaction claim Our records indicate that you filed a claim for $in debit card and ATM transactions that were processed from your account on July 3, TCF completed an investigation and denied your claim because the information provided to the merchants from one or more of the disputed transactions matched your address and zip code on file for your account Our investigation also found that your card was used for a transaction that was undisputed during the same time period you stated your card to be lost or stolen Ms***, we trust that we have clarified the actions that were taken with regard to your transaction error claim and regret that we are not able to assist you furtherIf you can provide additional information we will be willing to reconsider your claim Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
January 24, Ms [redacted] Brooklyn Park, MN 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 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 dayIn reference to the activity you mention in your inquiry, TCF records indicate that the cash and ATM deposits were made on December 2, January 11, and January In each instance, these deposits were made the day after the insufficient funds activity occurred Between December 2, and January 13, your account incurred $in overdraft feesOn January 13, 2017, TCF reversed $of these feesTo further assist you, we have reversed an additional $in fees You also express concern regarding non-TCF ATM fees that were assessed to your account The fee for using a non-TCF ATM is $per withdrawalThese fees are accessed at the end of each statement period On December 26, your account incurred $in non-TCF ATM feesThis fee was assessed due to the two ATM withdrawals that were made at St Peter Street in St Paul, MN on December 9, To assist you, we have reversed these fees You also express concern regarding the balance information that is shown in your profile on TCF’s online banking website When checking your account balance online, you should refer to your available balanceThis generally represents your available balance as of the date and time displayed, 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 Available balance may change throughout the day as the account is used and as TCF processes transactions Please note that available balance does not reflect checks you have written or other transactions that you have authorized but that have not yet been presented to TCF for payment and posted to your accountTCF has no control of when a merchant or recipient of your check will submit the item to us for payment Once a check is submitted to TCF for payment, it is processed the same business day it is receivedWe regret any misunderstanding there may have been regarding this processes Ms***, we hope this clarifies TCF’s policies more fully Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
April 2, Mr [redacted] Chicago, IL Dear Mr***, We received your letter regarding a possible fraudulent endorsement and appreciate your patience while we address your concerns We regret any inconvenience you may have experienced if a check made payable to you was processed without your authorization While we sympathize with your situation, we are not able to reimburse you for the check that you describe in your inquiryWe were not able to locate the check in our system with the information you providedAdditionally, we would have no recourse in this matter because we unable to determine if an endorsement is fraudulent at the time a check is cashed or depositedWe recommend filing a dispute with the check maker at your earliest convenience We understand how disheartening this situation may be; however, your best course of action is to work with local law enforcement and other criminal agencies with their investigations of the caseYou can be assured that TCF will cooperate with law enforcement if needed Mr***, we thank you for bringing this matter to our attention and apologize that we cannot be of more assistance Sincerely, Erik MCustomer Response Representative
February 1, [redacted] St Pau 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 concerns We apologize if the service you received at our Brooklyn Park branch 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 that we are looking into the encounter you describe in your letter and will be addressing it appropriately You express concern regarding a stop payment request that was unsuccessful TCF records indicate that on October 19, 2016, you spoke with a team member at our Brooklyn Park branch and requested stop payment of $recurring automated clearing house (ACH) transactions to VeoliaThe stop payment was processed as requested TCF was not able to honor the stop payment because Veolia debited your account as one-time check card transactions; our system is unable to stop these types of transactions using our stop payment processWhen TCF was not able to honor the request, the transactions were debited from your account on November 25, and November 28, To assist you, we have reimbursed you for the two transactions of $each ($total)This transaction will appear as a credit on your next statement Mr***, we thank you for communicating with us and trust this resolves your concern Sincerely Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Better Business Bure
Initial Business Response / [redacted] (1000, 5, 2015/10/14) */ October 13, [redacted] Minneapolis 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 We apologize if the service you received at our Robbinsdale and Crystal TCF branches 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 that we are looking into the encounter you describe in your letter and will be addressing it appropriately You express concern that your account recently incurred an overdraft fee when there were sufficient funds in the account to cover the transactionsWe would like to explain why an overdraft fee was assessed in this instance Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed TCF's Terms and Conditions for Checking and Savings Accounts states we reduce your available balance immediately when we authorize a transaction and before the item is submitted to us for paymentSome merchants, such as gas stations, may request an authorization amount and then submit a different transaction amount to TCF for paymentAn authorization may be for more or less than the actual amount of the transaction ultimately submitted to us for payment by the merchant or other partyIn some cases, we may authorize a transaction, but it may never be submitted to us for payment Your available balance generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past daysWhile 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") For example, our records show that your available account balance at the beginning of nightly processing on June 26, was $Five pending authorized transactions in the combined amount of $reduced the available balance to $This balance was insufficient for the transactions that posted that night in the combined amount of $121.87, resulting in a $in overdraft feeWe have enclosed your Notice of Overdraft for your review of this processAs a courtesy, we have waived the $overdraft feeThis will appear as a credit on your next statement Mr [redacted] , we value your relationship with TCF and the feedback you have provided Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Data Quality Specialist, Revdex.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/23) */
June 23, Mr*** *** *** * *** Chicago, IL Re: Revdex.com Case # *** Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns
You express concern regarding the closure of your checking account A review of your account history indicates that TCF checking account ending in *** has been overdrawn since May 16, TCF is unable honor an account closure request until the owing balance has been satisfiedWe apologize for any inconvenience this situation may have caused you Our records indicate that between May and June 20, your account incurred $in Returned Item NSF FeesTo assist you, we have reversed a portion of the fees to bring the account balance to zero, and per your request, we have closed your account Mr***, thank you for having banked with TCF and hope you will consider banking with us again in the future Sincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/11/19) */
November 19,
Mr*** ***
*** *** **
*** ** XXXXX-XXXX
Revdex.com Case # XXXXXXXX
Dear Mr***,
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your
concerns
You express concern regarding daily overdraft fees that were assessed to your account
TCF's Choice Checking account charges a daily fee for overdrafts and returned items on each calendar day that the balance is negative more than $Please see the enclosed Choice Checking Account Summary for more information about the Choice Checking account type
TCF records indicate that between October 10, and November 18, transactions were presented for payment from your account when there were insufficient funds, resulting in $in daily overdraft feesTo assist you, we have reversed these feesThis credit will show on your next statement
Please note that your current overdraft elections authorize TCF to pay overdrafts for both choicesChanging your elections may help you avoid future overdraft feesIf you would like to change your overdraft election(s) or your account type, please visit your local TCF branch location or contact TCF's Customer Service line at 1-800-TCF-BANK (1-800-823-2265)
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
Mr***, we value you as a TCF customer and consider it a privilege to serve your banking needs
Sincerely,
Melody J
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (2000, 7, 2015/12/02) */
The customer indicated that he/she accepted the business response
Initial Business Response /* (1000, 5, 2015/08/12) */
August 12,
Ms*** ***
*** *** ***
*** MN XXXXX
Re: Revdex.com Case #
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 overdraft fees that were processed to your 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 processedThe overdraft notice dated June 23, (copy enclosed) shows that your available balance after pending and posted transactions was negative $The card transaction for Southside Dental was paid by TCF and resulted in an overdraft fee, while the electronic transaction for Credit One was returned unpaid, which resulted in a returned item NSF feeThis is why your account was assessed a total of $in fees on that processing dateOverdraft fees are calculated the morning after your account is overdrawn and 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 appear in online and mobile banking by 12:p.mCentral Time
Between June 2, and July 7, 2015, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statementWe regret that we are not able to reverse overdraft fees from prior years
Your inquiry states that TCF should not have allowed overdrafts on your accountHowever, the terms of your account agreement permit us to authorize and pay overdrafts on your accountFurthermore, TCF records show that you have asked us to pay overdrafts on your account due to checks, ATM and one-time debit card transactionsYou may change these elections at any time by calling us at X-XXX-XXX-XXXX, visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions)Changing your elections may help you avoid overdraft fees in the future
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
Ms***, we thank you for sharing your concerns with us
Sincerely,
Courtney L
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (2000, 7, 2015/08/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
not completely satisfied but just tired of having issues with TCF, we will accept it but again I feel they really do charge excessive fees
April 14, Mr [redacted] StPaul, 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 regarding your experience with TCF We sincerely apologize that the service you received from our Phalen Cub location when requesting to order a new chip-enabled debit card did not meet your expectationsIt is our goal to provide service that is respectful, knowledgeable, helpful, and courteousWe assure you that TCF’s commitment to a positive experience for each and every customer is unwavering and we truly appreciate that you have voiced your concernsWe have forwarded your comments to the appropriate area for review We also are very sorry for any confusion you may experienced regarding procedures for chip-enabled debit cardsCards that are instantly issued will generate a new card number with each request We also understand that you may have incurred fees due to transactions that attempted to be processed when you were waiting to receive a new cardSo that we can further assist you, please provide documentation for our consideration in reimbursement of these feesWe have enclosed a postage paid envelope for your convenience Mr [redacted] , we thank you for taking the time to share your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
September 30, Ms [redacted] Chicago, 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 your automated deposit and the timing of when checks that you write post to your account Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositorTCF’s Terms and Conditions for Checking and Savings Accounts explain that if you receive an electronic credit, the credit is not final until we receive final payment from the payerTCF adjusts your Available Balance for ACH deposits at the start of the Business Day designated as the “settlement date” for the transactionWe then post these transactions when we process themProcessing starts in the evening on Business Days Please note that Available Balance does not reflect checks you have written but that have not yet been presented to TCF for payment and posted to your accountTCF has no control of when a merchant or recipient of your check will submit the item to us for paymentOnce a check is submitted to TCF for payment, it is processed the same business day it is received TCF records indicate that on September 16, 2016, an automated deposit was processed to your accountIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayThe fees that you incurred on September were because of transactions that were processed on September We are sorry for any misunderstanding there may have been regarding this practice To assist you, we have reversed the $in overdraft fees that were assessed to your account on September 16, This will show as a credit on your next statement Ms [redacted] , thank you for banking with TCF and for bringing this matter to our attention Sincerely, Erik MCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
Initial Business Response / [redacted] (1000, 10, 2015/08/25) */ August 25, Ms [redacted] N [redacted] XXXXX Revdex.com Case # XXXXXXXX Dear Ms [redacted] , We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns You express concern regarding on overdraft fee that was assessed to your account We would like to take this opportunity to explain why an overdraft fees was assessed in this instanceYour account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processedIn arriving at the available balance, we deduct outstanding check card authorizations; in this case, the LEE NAILS CLARK, EVANSTON Howard and OFFICE MAX transactions The overdraft notice dated August 11, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$This is why your account was assessed an overdraft feeOverdraft fees are calculated the morning after your account is overdrawn and 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 appear in online and mobile banking by 12:p.mCentral TimeWhile your $transfer was conducted before the pending fee appeared in online and mobile banking, the transfer was not conducted in time to avoid the fee TCF records indicate that on August 12, you incurred a $overdraft feeTo assist you with this situation, we have reversed this fee Ms [redacted] , thank you for taking the time to submit your inquiry Sincerely, [redacted] M Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Revdex.com
I am rejecting this response because: There was nothing I wrote to respond to a letter they stated was sent to me and was returned back to them It was suppose to have additional information for me to fill out The second request to re-open the dispute was a one paragraph response from me asking them what did it me that there were similarities on the account that appear to be normal My dispute was not so much fraud but a lost/stolen card while I was in California I returned back to Arizona on the 28th of December and make a complaint of my card being lost or stolen I had another bank teller who asked me questions pertaining to this incident that was very detailed She said they didn't have any information as to what happened or what took place, where I was, or when I was out of State I have nothing to do with nothing else happening to the card It should have been allowed any more transactions as the card was locked because of it being stolen and I replaced the card at the very first opportunity I cannot identify having the same or similar activities that went on in another State and or course nothing would continue if you report a card lost/stolen This bank seems to identify similarities as a mean to deny a lost or stolen card I take money out and put money in my account Did money come in my account with the other card as well? I have no knowledge of this I believed the card was shut off the day I reported it lost/stolen No I will not accept TCF bank denial because of similar activities unless these activities were done in Arizona where I used my card The only way I knew my card was gone was because I tried using another bank card I had in my purse that was from an account that I once was going to open but did not deposit into the account I tried using the card but it did not accept my pin number and this is when I called TCF to report my card lost/stolen Was this card used again? no it wasn't because I cut this card up because it was not a card I could use I would like to continue this case because it appears that the reason behind my denial is not that of what a bank would look for in two different States at the same time Whatever took place on the dates it was used wasn't noticed by me until the day I called into the bank to explain that my card was missing because I tried to use the card I had in my possession which was told by the banker that it was an old card not the card I should have for my account
December 12, [redacted] Chicago, IL Re: Revdex.com Case # [redacted] Dear Ms***, We received the inquiries you submitted to the Revdex.com and TCF’s online banking websiteWe appreciate the opportunity to respond to your concern You express concern about overdraft fees that were assessed to your account Your current overdraft elections for checking account ending in show that you asked TCF to pay your ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account’s available balance at the time of the authorization request While 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”)We are sorry for any misunderstanding there may have been when you were making your elections 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 itPlease note that choosing to authorize checks, ACHs and transfer transactions that exceed your available balance at the time of the authorization request will not guarantee payment of the transactions Our records indicate that between November 3, and December 2, you incurred a $in overdraft fees when transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed $of these fees To further assist you, we have also enclosed our What You Need to Know About Bank Service Charges and Overdraft Fees” brochure for your reviewThis is a great resource to assist customers with avoiding or reducing overdraft fees in the future Ms***, we trust this information addresses your concern Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 20, [redacted] Mesa, 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 accountWe would like to take this opportunity to explain why overdraft fees were incurred in this instance Your account may 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 Our records for your account ending in indicate that between July 12, and July 13, you incurred $in overdraft feesOn July 14, 2016, TCF reversed $in overdraft feesOur records further indicate that on July 18, TCF reversed the remaining $in overdraft fees We apologize if the service you received from 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 interaction You also state that TCF should not have allowed overdrafts on your account You state to have used our online banking service to Opt-Out of overdrafts on the accountWhen you opened the account on May 12, 2015, you asked TCF to pay ATM, everyday debit card transactions, checks, and ACH transactions that exceed your account’s available balance at the time of the authorization requestTCF does not have record of a request to change your overdraft election(s) date You may change your election(s) at any time by calling us at ###-###-####, visiting a TCF branch, using TCF’s online banking service, or using TCF’s ATMs (for ATM and everyday debit card transactions)Changing your election(s) may help you avoid overdraft fees in the future Mr [redacted] , we thank you for sharing your concerns with us Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
February 22, 2017 Mr. [redacted] *South Saint Paul, MN 55075 Re: BBB Case # [redacted] Dear Mr. [redacted] , We received the inquiry you submitted to the RevDex.com and appreciate the opportunity to address your... concern. You express concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why overdraft fees were incurred in this instance. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. Please note that available balance does not reflect checks you have written or other transactions that you have authorized but that have not yet been presented to TCF for payment and posted to your account. TCF has no control of when a merchant or recipient of your check will submit the item to us for payment. Once a check is submitted to TCF for payment, it is processed the same business day it is received. We regret any misunderstanding there may have been regarding this process. Our records indicate that on February 7, 2017 you incurred $111 in overdraft fees. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. Mr. [redacted] , we thank you for your long standing banking relationship with TCF and trust this information will assist you in reconciling your account. Sincerely, Melody J.Customer Response Representative Cc: [redacted] , Mediation Coordinator, RevDex.com
July 8, Ms [redacted] Country Club Hills, IL 60478- 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 an overdraft fee that was assessed to your TCF Bank account We would like to take this opportunity to explain why the overdraft fee was incurred in this instance TCF records indicate that on June 30, 2016, an automated deposit from Fidelity was processed to your accountIf your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business dayThe fee that you incurred on June was because of a transaction that was processed on June We are sorry for any misunderstanding there may have been regarding this practice Between June 30, and July 6, 2016, 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 feesIf you would like to change your overdraft election(s), please visit your local TCF branch location or contact TCF’s Customer Service line at 1-800-TCF-BANK (###-###-####) 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 Sincerely, Courtney L Customer 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 me Yea, A manager finally actually looked at the transactions and removed the one that shouldn't have been thereIf you look both feesThe 30th has Amazon, Holiday, and Kwik coming out leaving me at -7; leaving my first nsf feem, Which is legitBut then They posted and the next day as it posted in the opposite order, giving me a NSF on the Amazon used to remove the funds and give me an NSF fee the day priorI know this wasn't done by some greedy hand laughing as the fees got postIts a bug in the coding of the software running your businessThis complaint was more for the fact that no matte who I call, No one actually looked and just said yea, you got charged and have a nice dayIt wasnt until I had to ask for a manager and force him to look close to see the charges and how they processed for anyone to do anything about it
September 23, Ms [redacted] North York, ON M2H 2N Re: Revdex.com Case # [redacted] Dear Ms ***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further respond to your concerns We apologize for any misunderstanding you may have experienced regarding the response that we provided to you on September 16, We are happy to clarify that in order that we may withdraw the funds that are currently in your account and send them to you in Canada, you will first need to submit a written request to TCF and have your signature on the request notarized Ms***, we thank you for your additional correspondence and look forward to assisting you as soon as we receive this request Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
June 2, Ms [redacted] Cicero, 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 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 Your account may incur an overdraft fee for any transaction that exceeds your 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 withdrawalThe overdraft notice dated May 20, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $Your account was assessed overdraft fees because ATM and pin-based debit card transactions were presented for payment from your account when there were insufficient funds in the account You also expressed concern regarding PIN-based debit card transaction processing TCF’s Terms and Conditions for Checking and Savings Accounts explain that PIN transactions are generally posted to your Account the same Business Day on which they happenThe Terms and Conditions further explain that the cutoff time for deposits and withdrawals is p.min IllinoisPlease note that some merchants may require you to enter your PIN to complete a transaction but then process the transaction as if were “off line.” We have no control over the way merchants process their transactionsWe apologize for any misunderstanding there may have been regarding this matter TCF records indicate that between May 23, and May 24, 2016, your account incurred $in overdraft feesTCF reversed $on May 24, To assist you, we have reversed the remaining $of these feesThis transaction will appear as a credit on your next statement Ms***, we hope this explains TCF’s policies more fully Sincerely, Courtney LCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
August 8, [redacted] Burnsville 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 concerns You express concern regarding the closure of your accounts and the service you received when attempting to obtain information from our team members We regret if the service you received did not meet your expectationsTCF Bank (“TCF”) has a commitment to delivering a positive experience with each customer interaction TCF, like other financial institutions, reviews information to ensure that we have a reasonable level of understanding regarding each customer’s banking relationship As part of this process, we sent you a questionnaire requesting additional informationWe regret any confusion there may have been when we received your initial response; however, we needed clarification to finalize the requestWhen all of the information was not returned, your accounts were closed on July 20, Our records indicate that we still need you to complete the questionnaire in order to complete our reviewPlease note that if this questionnaire is not returned, the accounts will remain closedFor your convenience, we have enclosed the questionnaire and a postage paid return envelope We also understand that you may have incurred fees due to transactions that attempted to be processed when the accounts were closedSo that we can further assist you, please provide documentation for our consideration in reimbursement of these fees Mr**, we sincerely apologize for any inconvenience this caused you Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
July 20, [redacted] Dolton, 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 You express concern regarding the resolution of your unauthorized transaction claim Our records indicate that you filed a claim for $in debit card and ATM transactions that were processed from your account on July 3, TCF completed an investigation and denied your claim because the information provided to the merchants from one or more of the disputed transactions matched your address and zip code on file for your account Our investigation also found that your card was used for a transaction that was undisputed during the same time period you stated your card to be lost or stolen Ms***, we trust that we have clarified the actions that were taken with regard to your transaction error claim and regret that we are not able to assist you furtherIf you can provide additional information we will be willing to reconsider your claim Sincerely, Nash JCustomer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
January 24, Ms [redacted] Brooklyn Park, MN 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 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 dayIn reference to the activity you mention in your inquiry, TCF records indicate that the cash and ATM deposits were made on December 2, January 11, and January In each instance, these deposits were made the day after the insufficient funds activity occurred Between December 2, and January 13, your account incurred $in overdraft feesOn January 13, 2017, TCF reversed $of these feesTo further assist you, we have reversed an additional $in fees You also express concern regarding non-TCF ATM fees that were assessed to your account The fee for using a non-TCF ATM is $per withdrawalThese fees are accessed at the end of each statement period On December 26, your account incurred $in non-TCF ATM feesThis fee was assessed due to the two ATM withdrawals that were made at St Peter Street in St Paul, MN on December 9, To assist you, we have reversed these fees You also express concern regarding the balance information that is shown in your profile on TCF’s online banking website When checking your account balance online, you should refer to your available balanceThis generally represents your available balance as of the date and time displayed, 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 Available balance may change throughout the day as the account is used and as TCF processes transactions Please note that available balance does not reflect checks you have written or other transactions that you have authorized but that have not yet been presented to TCF for payment and posted to your accountTCF has no control of when a merchant or recipient of your check will submit the item to us for payment Once a check is submitted to TCF for payment, it is processed the same business day it is receivedWe regret any misunderstanding there may have been regarding this processes Ms***, we hope this clarifies TCF’s policies more fully Sincerely, Courtney L Customer Response Representative Cc: [redacted] , Mediation Coordinator, Revdex.com
April 2, Mr [redacted] Chicago, IL Dear Mr***, We received your letter regarding a possible fraudulent endorsement and appreciate your patience while we address your concerns We regret any inconvenience you may have experienced if a check made payable to you was processed without your authorization While we sympathize with your situation, we are not able to reimburse you for the check that you describe in your inquiryWe were not able to locate the check in our system with the information you providedAdditionally, we would have no recourse in this matter because we unable to determine if an endorsement is fraudulent at the time a check is cashed or depositedWe recommend filing a dispute with the check maker at your earliest convenience We understand how disheartening this situation may be; however, your best course of action is to work with local law enforcement and other criminal agencies with their investigations of the caseYou can be assured that TCF will cooperate with law enforcement if needed Mr***, we thank you for bringing this matter to our attention and apologize that we cannot be of more assistance Sincerely, Erik MCustomer Response Representative
February 1, [redacted] St Pau 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 concerns We apologize if the service you received at our Brooklyn Park branch 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 that we are looking into the encounter you describe in your letter and will be addressing it appropriately You express concern regarding a stop payment request that was unsuccessful TCF records indicate that on October 19, 2016, you spoke with a team member at our Brooklyn Park branch and requested stop payment of $recurring automated clearing house (ACH) transactions to VeoliaThe stop payment was processed as requested TCF was not able to honor the stop payment because Veolia debited your account as one-time check card transactions; our system is unable to stop these types of transactions using our stop payment processWhen TCF was not able to honor the request, the transactions were debited from your account on November 25, and November 28, To assist you, we have reimbursed you for the two transactions of $each ($total)This transaction will appear as a credit on your next statement Mr***, we thank you for communicating with us and trust this resolves your concern Sincerely Deborah Z Customer Response Representative Cc: [redacted] , Mediation Coordinator, Better Business Bure
Initial Business Response / [redacted] (1000, 5, 2015/10/14) */ October 13, [redacted] Minneapolis 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 We apologize if the service you received at our Robbinsdale and Crystal TCF branches 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 that we are looking into the encounter you describe in your letter and will be addressing it appropriately You express concern that your account recently incurred an overdraft fee when there were sufficient funds in the account to cover the transactionsWe would like to explain why an overdraft fee was assessed in this instance Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed TCF's Terms and Conditions for Checking and Savings Accounts states we reduce your available balance immediately when we authorize a transaction and before the item is submitted to us for paymentSome merchants, such as gas stations, may request an authorization amount and then submit a different transaction amount to TCF for paymentAn authorization may be for more or less than the actual amount of the transaction ultimately submitted to us for payment by the merchant or other partyIn some cases, we may authorize a transaction, but it may never be submitted to us for payment Your available balance generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past daysWhile 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") For example, our records show that your available account balance at the beginning of nightly processing on June 26, was $Five pending authorized transactions in the combined amount of $reduced the available balance to $This balance was insufficient for the transactions that posted that night in the combined amount of $121.87, resulting in a $in overdraft feeWe have enclosed your Notice of Overdraft for your review of this processAs a courtesy, we have waived the $overdraft feeThis will appear as a credit on your next statement Mr [redacted] , we value your relationship with TCF and the feedback you have provided Sincerely, Deborah Z Customer Response Representative Cc: [redacted] , Data Quality Specialist, Revdex.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/23) */
June 23, Mr*** *** *** * *** Chicago, IL Re: Revdex.com Case # *** Dear Mr***, We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns
You express concern regarding the closure of your checking account A review of your account history indicates that TCF checking account ending in *** has been overdrawn since May 16, TCF is unable honor an account closure request until the owing balance has been satisfiedWe apologize for any inconvenience this situation may have caused you Our records indicate that between May and June 20, your account incurred $in Returned Item NSF FeesTo assist you, we have reversed a portion of the fees to bring the account balance to zero, and per your request, we have closed your account Mr***, thank you for having banked with TCF and hope you will consider banking with us again in the future Sincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/11/19) */
November 19,
Mr*** ***
*** *** **
*** ** XXXXX-XXXX
Revdex.com Case # XXXXXXXX
Dear Mr***,
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your
concerns
You express concern regarding daily overdraft fees that were assessed to your account
TCF's Choice Checking account charges a daily fee for overdrafts and returned items on each calendar day that the balance is negative more than $Please see the enclosed Choice Checking Account Summary for more information about the Choice Checking account type
TCF records indicate that between October 10, and November 18, transactions were presented for payment from your account when there were insufficient funds, resulting in $in daily overdraft feesTo assist you, we have reversed these feesThis credit will show on your next statement
Please note that your current overdraft elections authorize TCF to pay overdrafts for both choicesChanging your elections may help you avoid future overdraft feesIf you would like to change your overdraft election(s) or your account type, please visit your local TCF branch location or contact TCF's Customer Service line at 1-800-TCF-BANK (1-800-823-2265)
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
Mr***, we value you as a TCF customer and consider it a privilege to serve your banking needs
Sincerely,
Melody J
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (2000, 7, 2015/12/02) */
The customer indicated that he/she accepted the business response
Initial Business Response /* (1000, 5, 2015/08/12) */
August 12,
Ms*** ***
*** *** ***
*** MN XXXXX
Re: Revdex.com Case #
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 overdraft fees that were processed to your 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 processedThe overdraft notice dated June 23, (copy enclosed) shows that your available balance after pending and posted transactions was negative $The card transaction for Southside Dental was paid by TCF and resulted in an overdraft fee, while the electronic transaction for Credit One was returned unpaid, which resulted in a returned item NSF feeThis is why your account was assessed a total of $in fees on that processing dateOverdraft fees are calculated the morning after your account is overdrawn and 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 appear in online and mobile banking by 12:p.mCentral Time
Between June 2, and July 7, 2015, your account incurred $in overdraft feesTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statementWe regret that we are not able to reverse overdraft fees from prior years
Your inquiry states that TCF should not have allowed overdrafts on your accountHowever, the terms of your account agreement permit us to authorize and pay overdrafts on your accountFurthermore, TCF records show that you have asked us to pay overdrafts on your account due to checks, ATM and one-time debit card transactionsYou may change these elections at any time by calling us at X-XXX-XXX-XXXX, visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions)Changing your elections may help you avoid overdraft fees in the future
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
Ms***, we thank you for sharing your concerns with us
Sincerely,
Courtney L
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (2000, 7, 2015/08/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
not completely satisfied but just tired of having issues with TCF, we will accept it but again I feel they really do charge excessive fees