January 23, *** *** *** *** *** Grand Forks, ND 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 TCF account ending in *** TCF records indicate that check number was presented for payment from your account on January 5, 2017, which brought the account balance to zeroOur records further indicate that you contacted TCF’s Customer Service Line to request that the account be closedDuring that call, our team member stated that no payments would be processed from this account after the account was closed The account became overdrawn on January 9, 2017, however, when a $automated withdrawal was debited from the account, and you were assessed a $overdraft feeDue to circumstances, TCF reversed that fee To assist you further, we have waived the $remaining balancePlease notify any sources of automatic debits that account ending in *** is now closedWe apologize for any inconvenience this situation may have caused you Mr***, we thank you for taking the time to inquire about your account Sincerely, Nash JCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
May 17, Ms*** *** *** *** ** ** Minneapolis, MN Re: Revdex.com Case # *** Dear Ms***, We received the inquiry you submitted to the Revdex.com, as well
as your online feedback, and appreciate the opportunity to respond to your concerns You express concern about the closure of your account ending in *** A review of our records indicates that your account was brought to a zero balance on December 12, 2016; however, the account was not closed at the timeOn April 18, 2017, an automated withdrawal from Allstate was debited from the account and was returned unpaid on April 19, 2017, causing a $returned item NSF fee to be assessed to the account To assist you, we have reversed this fee, and the account is now closed at a zero balanceWe apologize for any inconvenience you may have experienced during the account closure process While we are committed to delivering a positive experience with each and every customer interaction, we may not have delivered on that promise when you were closing this accountWe sincerely apologize if your experience was less than positive Ms***, thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.Please advise how to accept bank check
I am rejecting this response because:
I wasn’t debating the hold on the checksI was talking about how I was treated inside of the branches I visited and how I was discriminated against as a customerI was told on the phone through TCF customer service that if a
branch was denying me the funds that I had already had in the account from a previous deposit (which I had and which had cleared), that it was on the decision of the branch, and each branch denied me of my hard earned money and inconvenienced me drasticallyThen once my checks were cleared I was told that I won’t be able to receive a TCF debit card because they wanted to “ continue to monitor my account” which made absolutely no sense to me, which is why I closed the accountThey said I would have to come into a branch every time I needed to use fundsThat is completely inconsiderate and inconvenientI want to consider legal action
March 23, Mr*** *** *** *** *** *** Joliet, 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 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 February 27, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $This is why your account was assessed an overdraft feeIn 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”) TCF records indicate that on March 1, 2017, an automated deposit from TCS TREAS 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 February was because of a transaction that was processed on February We are sorry for any misunderstanding there may have been regarding this practice Our records indicate that between February 28, and March 2, your account incurred $in overdraft feesOn March 6, 2017, TCF reversed $of these feesTo assist you further, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr***, thank you for taking the time to bring your concern to our attention Sincerely, Melody JCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/08/20) */
Your inquiry to the Revdex.com regarding your loan account number XXX-XXX-XXXXXXX-XXXX has been forwarded to TCF Bank for responseI hope to resolve the concerns you raised in your letter
In review of your account and the
statement you referred to it indicates that the amount of $was the remaining principal balancePer the loan agreement your minimum payment for the billing cycle will be equal to the interest you owe for the billing cycle or $whichever is greaterBecause the interest for this billing cycle was only $you were billed the minimum payment amount of $plus $for the Annual Fee that was assessed on June 2, for a total of $
When the payment of $was posted on July 10, the allocation was $to the billed amount which included the finance charge of $1.02, then $to the annual fee and the remaining amount allocated to the principal balanceThis left a remaining principal balance of $
A payment was then received on August 17, for $which paid your account in fullPer your request your account has been closed
If you have any other questions or concerns I can be reached at XXX-XXX-XXXX
Sincerely,
Marlene Koller
Supervisor Consumer Loan Servicing
February 20, *** *** *** **
*** * *** *** 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 resolution of your electronic transaction merchant disputes TCF records indicate that between February 8, and February 23, you filed two merchant disputes for debit card transactions totaling $and $255.98, respectively, that were processed from your account ending in ***TCF completed research and was unable to pay the disputes because you have an agreement with the merchants To assist you, TCF contacted the merchants on your behalf to request charge backsThe chargebacks were unsuccessful because the merchants provided documentation that you utilized their services While we sympathize with your situation, TCF has no further recovery rights in this matterPlease contact the merchants directly to discuss a refund Mr***, we appreciate you taking the time to share your concerns with us; however, we stand by the resolution of your disputes and consider the matter closed Sincerely, Travis CCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
November 22, *** *** *** * *** *** *** Chicago IL 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 the resolution of your ATM Fraud Dispute # *** reported on October 21, On October 28, 2016, we found that we were unable to pay your dispute because, based on our research, we believe you authorized the debit card and ATM transactions in question by giving your access device and personal identification number (PIN) to another personThe transactions were all performed using your debit card and, in some cases, your PIN, and you did not notify us in a timely manner to revoke this access Our records further indicate that you requested a re-evaluation of this dispute, which we were again unable to pay for the same reason At this time, you have provided no new information related to the disputeTo request an additional re-evaluation, you would need to bring new information pertaining to the dispute to your neighborhood TCF location and request the review Ms.***, we trust this explains the basis for the denial of your dispute Sincerely, Deborah Z Customer Response Representative Cc *** ***, Mediation Coordinator, Revdex.com
July 7,
Ms*** ***
*** *** ***
Howard
Lake, MN 55349-
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 a deposit transaction that was processed to your TCF checking
account ending in ***
From your
inquiry, we understand that on June 5, you visited our Wayzata branch,
brought in two checks to be deposited and intended for them to go into two
different checking accountsWhen both checks were deposited into another TCF
checking account, our team member assisted you by debiting the $check
made payable to you and depositing it into your accountFurther review
indicates that our team member made an error and processed the deposit a second
time so your account was incorrectly credited $instead of $On
June 29, 2017, TCF corrected the error and deducted the second deposit
We
apologize for the confusion this processing error may have caused; however, we
are unable to compensate you for the deduction because you withdrew, and kept,
funds that you did not deposit
Our
records indicate that on June 5, your account incurred a $overdraft
feeTo assist you, TCF reversed this fee on June 29,
Ms***,
we thank you for taking the time to share your concerns and trust that we have
clarified the actions that were taken with regard to your checking account
Sincerely,
Courtney
L
Customer
Response Representative
November 6, *** *** *** *** *** ** Rosemount, MN Re: Revdex.com Case #*** Dear Ms***: We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns We understand from your inquiry that your account has incurred additional overdraft fees following our previous response dated October 20, Our records indicate that TCF has previously assisted you with $in fee reversals prior to our previous aforementioned response where we reversed an additional $as a courtesyWhile we sympathize with your situation, we are unable to reverse any additional fees at this time Ms***, we appreciate you taking the time to share your additional concerns with us Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
I am rejecting this response because:
On March 23rd, TCF added $interest on "advanced payments." I have no idea what forAlso, they did not settled the issue of the double payment to Wells FargoAs I've explained in a previous statement, I called the number that TCF gave me, to have my "Pay Bills" re-activatedAs I've also mentioned, (please see previous post) I phoned the number they gave me three different timesAccept for the last call, each time I waited over minutes during my lunch break at work During the last call, I waited minutes before a customer service rep answeredTCF DID NOT DO THIS! I called myself and had the issue straightened outMy point is, the management never did thisAgain, see previous post.As I've mentioned in the previous post, management did not solve this issueI did by phoning the number they gave me, a number she should have called and straightened it outThat is their job -- not mine
November 3, 2016 Ms*** *** *** **Naperville, IL 60563 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 an ATM deposit that was made to your account ending in ***. After researching the ATM error dispute that you filed on October 13, 2016, we found that both of the ATMs at the TCF Jewel Osco Ogden & Washington location balanced and found no evidence of $in missing funds You also express concern regarding possible unauthorized transactions that posted to your account between September and September 13, A review of our records indicates that you filed two electronic transaction fraud disputes on September 14, Both of these were denied - one because the activity matches your pattern of usage and the other because of video evidence. Lastly, you express concern regarding the number of overdraft fees that have been assessed to your account. Our records indicate that between September and November 1, your account incurred $in overdraft feesTCF previously reversed $of those feesTo assist you, we have reversed the remaining $in overdraft feesThis transaction will appear as a credit on your next statement. Ms***, thank you for taking the time to bring your concern to our attention. Sincerely, Erik M.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
February 19, *** *** *** *** ** Bridgeview, 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 your Digital Banking alerts and overdraft fees assessed to your account ending in *** While we are committed to delivering a positive experience with our new Digital Banking platform, we understand the conversion may have canceled alerts from our previous Online Banking platformIf you need any additional assistance in reestablishing the alerts, please feel free to contact our Customer Service Line at 800-TCF-BANK (###-###-####) Additionally, we must inform you that digital banking alerts and reminders are sent after nightly processing and would reflect the balance after all transactions are processedAlthough alerts and reminders are designed to give you notice of specific events, we do not guarantee immediate noticeDelivery problems or subsequent transactions may impact an alertAdditionally, to improve notification of your balance approaching a zero or negative balance, we encourage you to increase the less than amount for your daily balance threshold alert Our records indicate that between December 5, and February 14, your account incurred $in overdraft feesTCF reversed $of these fees on February 5, To further assist you, we reversed the remaining feesThis transaction will appear as a credit on your next monthly statement Mr***, we thank you for taking the time to share your concerns with us Sincerely, Travis CCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
December 7, 2016 Mr*** *** * *** ***Elmwood Park, IL 60707 Re: Revdex.com Case # *** Dear Mr***, We received the inquiries that you submitted through the Revdex.com and TCF’s online banking websiteWe appreciate
the opportunity to respond to your concerns You express concern about 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 In the notice dated November 25, (copy enclosed), your beginning available balance was $From this balance, we subtracted the transactions that were pending; in this case, the transaction for $The available balance was then $Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore overdrawn $37.67, which is why your account was assessed an overdraft fee. You also express concern regarding TCF authorizing ATM and everyday debit card transactions when there is an insufficient available balance in your account. Review of the Overdraft Election section of the account agreement that you signed on March 20, (copy enclosed) indicates that 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 requestWe are sorry for any misunderstanding there may have been when you were making your electionIt is TCF’s goal to ensure our customers have a full understanding of the account at the time it is opened We see that you changed your election on November 28, at our Harlem and Belden location and asked TCF to decline ATM and everyday debit card transactions that exceed your available balance at the time of the authorization requestTCF does not have record of a request to change your overdraft election for checks and ACH transactions Our records for your account ending in *** indicate that between November 28, and November 29, you incurred a $in overdraft fees when debit card transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed these 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. Mr***, we hope this explains TCF’s policies more fully. Sincerely, Melody J.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
January 25,
Ms
*** ***
*** * *** ***
Chicago,
IL
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 activity that was processed from your TCF Bank
(“TCF”) checking account ending in ***
TCF
records indicate that a check deposit in the amount of $2,was made on
January 14, The check was returned to TCF as unpaid and debited from your
account on January 19, Because the funds were used for PIN-based debit
card transactions, the account balance became overdrawn and TCF closed the
account as a result of this activity
On
January 14, 2015, a fraud dispute was filed for PIN-based debit card
transactions that processed to your accountTCF completed research and was
unable to pay your dispute because we concluded that the transactions were
authorizedThe transactions were all performed using your debit card and your
personal identification number (PIN)
When
your account remained overdrawn, the balance owing of $1,was sent to
Millennium Credit Consultants (MCC) for collection and the account was reported
to ChexSystems for insufficient funds activityOur records further indicate
that MCC reported the account to Equifax in May
TCF
has a duty to report accurate information to consumer and credit reporting
agenciesThe information reported was accurate, and that fact has not changed
The information reported to ChexSystems and Equifax may remain listed on your
report for the retention period designated by that agency
Ms
***, we trust this clarifies the actions that were taken with regard to
your former TCF account
Sincerely,
Courtney
L
Customer
Response Representative
April 25, Ms*** L *** *** * *** *** Minneapolis, MN 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 the resolutions of your electronic transaction disputes for your account ending in *** TCF records indicate that on March 29, 2018, you filed two electronic transaction disputes regarding ATM and debit card transactions that processed from your accountTCF completed research and was unable to pay the dispute, we have enclosed the resolution letters dated April 4, Our records indicate that you requested a re-evaluation of the dispute in a notification that TCF received on April 5, Based on our additional review, we stood by the decision not to pay your disputes and mailed you the enclosed resolution letters dated April 6, We understand that you spoke to our team members directly regarding the disputes and requested another re-evaluationTCF completed this review on April 20, and paid some of the disputed transactionsFor further detail, you may refer to the enclosed resolution letters dated April 20, Ms***, we appreciate you taking the time to share your concerns with us Sincerely, Courtney LCustomer Support TCF National Bank
Initial Business Response /* (1000, 6, 2016/02/15) */
February 15,
Ms*** ***
*** ***
XXX XXth ** **
*** *** ** XXXXX-XXXX
RE: Revdex.com Case # XXXXXXXX
Dear Ms***,
We received the inquiry you submitted to the Revdex.com and appreciate the
opportunity to respond to your concerns
You expressed 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 processedThe overdraft notice dated February 1, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $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 withdrawalIn this instance, the five pending transactions totaling $reduced your available balance
Our records show that between February and February 3, your account was assessed $in overdraft feesThese fees are the result of transactions posting to your account when you had insufficient available fundsTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement
For your review, we have enclosed our What You Need to Know about Bank Service Charges & Overdrafts noticeThis notice explains how overdraft fees are assessed and how you may avoid them
Your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactionsChanging your election(s) may help you avoid future overdraft fees, and you may do so at any time by visiting your local branch or by calling TCF's Customer Service Line at 800-TCF-BANK (XXX-XXX-XXXX)
Ms***, we thank you for taking the time to share your concerns and hope this explains TCF's policies more fully
Sincerely,
Melody J
Customer Response Representative
Cc *** *** Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 8, 2016/02/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They took out a total of $in overdraft feesIf they had not taken out the first $when I had $in my account, they proceeded to take out other charges that would have been covered before the $was taken out, things would have been fineAll of this just went out of control because of their constantly taking out their feesI feel if they kept $which truly covered two transactions, it would be fineI was not going to keep putting in funds just to be taken in finesI would expect $more in a reversal to make this rightThank you for your help in this matter
April 27, Ms*** *** *** * *** *** *** *** Chicago, IL Re: Revdex.com Case # *** Dear Ms***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further address your concernsWe apologize for any inconvenience you may have experienced when an unauthorized transaction in the amount of $to Walmart Grocery posted to your accountOur records indicate that an unauthorized transaction claim was filed and that your account was reimbursed for the transaction on April 13, We also understand that you have incurred a $late fee from your landlord when your account balance was insufficient to pay your rentTo assist you, we have credited your checking account $as reimbursement for this feeMs***, we appreciate you taking the time to share your additional concerns with usSincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
January 23, *** *** *** *** *** Grand Forks, ND 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 TCF account ending in *** TCF records indicate that check number was presented for payment from your account on January 5, 2017, which brought the account balance to zeroOur records further indicate that you contacted TCF’s Customer Service Line to request that the account be closedDuring that call, our team member stated that no payments would be processed from this account after the account was closed The account became overdrawn on January 9, 2017, however, when a $automated withdrawal was debited from the account, and you were assessed a $overdraft feeDue to circumstances, TCF reversed that fee To assist you further, we have waived the $remaining balancePlease notify any sources of automatic debits that account ending in *** is now closedWe apologize for any inconvenience this situation may have caused you Mr***, we thank you for taking the time to inquire about your account Sincerely, Nash JCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
May 17, Ms*** *** *** *** ** ** Minneapolis, MN Re: Revdex.com Case # *** Dear Ms***, We received the inquiry you submitted to the Revdex.com, as well
as your online feedback, and appreciate the opportunity to respond to your concerns You express concern about the closure of your account ending in *** A review of our records indicates that your account was brought to a zero balance on December 12, 2016; however, the account was not closed at the timeOn April 18, 2017, an automated withdrawal from Allstate was debited from the account and was returned unpaid on April 19, 2017, causing a $returned item NSF fee to be assessed to the account To assist you, we have reversed this fee, and the account is now closed at a zero balanceWe apologize for any inconvenience you may have experienced during the account closure process While we are committed to delivering a positive experience with each and every customer interaction, we may not have delivered on that promise when you were closing this accountWe sincerely apologize if your experience was less than positive Ms***, thank you for taking the time to bring your concern to our attention Sincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.Please advise how to accept bank check
I am rejecting this response because:
I wasn’t debating the hold on the checksI was talking about how I was treated inside of the branches I visited and how I was discriminated against as a customerI was told on the phone through TCF customer service that if a
branch was denying me the funds that I had already had in the account from a previous deposit (which I had and which had cleared), that it was on the decision of the branch, and each branch denied me of my hard earned money and inconvenienced me drasticallyThen once my checks were cleared I was told that I won’t be able to receive a TCF debit card because they wanted to “ continue to monitor my account” which made absolutely no sense to me, which is why I closed the accountThey said I would have to come into a branch every time I needed to use fundsThat is completely inconsiderate and inconvenientI want to consider legal action
Please see attachment
March 23, Mr*** *** *** *** *** *** Joliet, 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 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 February 27, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $This is why your account was assessed an overdraft feeIn 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”) TCF records indicate that on March 1, 2017, an automated deposit from TCS TREAS 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 February was because of a transaction that was processed on February We are sorry for any misunderstanding there may have been regarding this practice Our records indicate that between February 28, and March 2, your account incurred $in overdraft feesOn March 6, 2017, TCF reversed $of these feesTo assist you further, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Mr***, thank you for taking the time to bring your concern to our attention Sincerely, Melody JCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/08/20) */
Your inquiry to the Revdex.com regarding your loan account number XXX-XXX-XXXXXXX-XXXX has been forwarded to TCF Bank for responseI hope to resolve the concerns you raised in your letter
In review of your account and the
statement you referred to it indicates that the amount of $was the remaining principal balancePer the loan agreement your minimum payment for the billing cycle will be equal to the interest you owe for the billing cycle or $whichever is greaterBecause the interest for this billing cycle was only $you were billed the minimum payment amount of $plus $for the Annual Fee that was assessed on June 2, for a total of $
When the payment of $was posted on July 10, the allocation was $to the billed amount which included the finance charge of $1.02, then $to the annual fee and the remaining amount allocated to the principal balanceThis left a remaining principal balance of $
A payment was then received on August 17, for $which paid your account in fullPer your request your account has been closed
If you have any other questions or concerns I can be reached at XXX-XXX-XXXX
Sincerely,
Marlene Koller
Supervisor Consumer Loan Servicing
February 20, *** *** *** **
*** * *** *** 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 resolution of your electronic transaction merchant disputes TCF records indicate that between February 8, and February 23, you filed two merchant disputes for debit card transactions totaling $and $255.98, respectively, that were processed from your account ending in ***TCF completed research and was unable to pay the disputes because you have an agreement with the merchants To assist you, TCF contacted the merchants on your behalf to request charge backsThe chargebacks were unsuccessful because the merchants provided documentation that you utilized their services While we sympathize with your situation, TCF has no further recovery rights in this matterPlease contact the merchants directly to discuss a refund Mr***, we appreciate you taking the time to share your concerns with us; however, we stand by the resolution of your disputes and consider the matter closed Sincerely, Travis CCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
November 22, *** *** *** * *** *** *** Chicago IL 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 the resolution of your ATM Fraud Dispute # *** reported on October 21, On October 28, 2016, we found that we were unable to pay your dispute because, based on our research, we believe you authorized the debit card and ATM transactions in question by giving your access device and personal identification number (PIN) to another personThe transactions were all performed using your debit card and, in some cases, your PIN, and you did not notify us in a timely manner to revoke this access Our records further indicate that you requested a re-evaluation of this dispute, which we were again unable to pay for the same reason At this time, you have provided no new information related to the disputeTo request an additional re-evaluation, you would need to bring new information pertaining to the dispute to your neighborhood TCF location and request the review Ms.***, we trust this explains the basis for the denial of your dispute Sincerely, Deborah Z Customer Response Representative Cc *** ***, Mediation Coordinator, Revdex.com
July 7,
Ms*** ***
*** *** ***
Howard
Lake, MN 55349-
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 a deposit transaction that was processed to your TCF checking
account ending in ***
From your
inquiry, we understand that on June 5, you visited our Wayzata branch,
brought in two checks to be deposited and intended for them to go into two
different checking accountsWhen both checks were deposited into another TCF
checking account, our team member assisted you by debiting the $check
made payable to you and depositing it into your accountFurther review
indicates that our team member made an error and processed the deposit a second
time so your account was incorrectly credited $instead of $On
June 29, 2017, TCF corrected the error and deducted the second deposit
We
apologize for the confusion this processing error may have caused; however, we
are unable to compensate you for the deduction because you withdrew, and kept,
funds that you did not deposit
Our
records indicate that on June 5, your account incurred a $overdraft
feeTo assist you, TCF reversed this fee on June 29,
Ms***,
we thank you for taking the time to share your concerns and trust that we have
clarified the actions that were taken with regard to your checking account
Sincerely,
Courtney
L
Customer
Response Representative
November 6, *** *** *** *** *** ** Rosemount, MN Re: Revdex.com Case #*** Dear Ms***: We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns We understand from your inquiry that your account has incurred additional overdraft fees following our previous response dated October 20, Our records indicate that TCF has previously assisted you with $in fee reversals prior to our previous aforementioned response where we reversed an additional $as a courtesyWhile we sympathize with your situation, we are unable to reverse any additional fees at this time Ms***, we appreciate you taking the time to share your additional concerns with us Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
I am rejecting this response because:
On March 23rd, TCF added $interest on "advanced payments." I have no idea what forAlso, they did not settled the issue of the double payment to Wells FargoAs I've explained in a previous statement, I called the number that TCF gave me, to have my "Pay Bills" re-activatedAs I've also mentioned, (please see previous post) I phoned the number they gave me three different timesAccept for the last call, each time I waited over minutes during my lunch break at work During the last call, I waited minutes before a customer service rep answeredTCF DID NOT DO THIS! I called myself and had the issue straightened outMy point is, the management never did thisAgain, see previous post.As I've mentioned in the previous post, management did not solve this issueI did by phoning the number they gave me, a number she should have called and straightened it outThat is their job -- not mine
November 3, 2016 Ms*** *** *** **Naperville, IL 60563 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 an ATM deposit that was made to your account ending in ***. After researching the ATM error dispute that you filed on October 13, 2016, we found that both of the ATMs at the TCF Jewel Osco Ogden & Washington location balanced and found no evidence of $in missing funds You also express concern regarding possible unauthorized transactions that posted to your account between September and September 13, A review of our records indicates that you filed two electronic transaction fraud disputes on September 14, Both of these were denied - one because the activity matches your pattern of usage and the other because of video evidence. Lastly, you express concern regarding the number of overdraft fees that have been assessed to your account. Our records indicate that between September and November 1, your account incurred $in overdraft feesTCF previously reversed $of those feesTo assist you, we have reversed the remaining $in overdraft feesThis transaction will appear as a credit on your next statement. Ms***, thank you for taking the time to bring your concern to our attention. Sincerely, Erik M.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
February 19, *** *** *** *** ** Bridgeview, 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 your Digital Banking alerts and overdraft fees assessed to your account ending in *** While we are committed to delivering a positive experience with our new Digital Banking platform, we understand the conversion may have canceled alerts from our previous Online Banking platformIf you need any additional assistance in reestablishing the alerts, please feel free to contact our Customer Service Line at 800-TCF-BANK (###-###-####) Additionally, we must inform you that digital banking alerts and reminders are sent after nightly processing and would reflect the balance after all transactions are processedAlthough alerts and reminders are designed to give you notice of specific events, we do not guarantee immediate noticeDelivery problems or subsequent transactions may impact an alertAdditionally, to improve notification of your balance approaching a zero or negative balance, we encourage you to increase the less than amount for your daily balance threshold alert Our records indicate that between December 5, and February 14, your account incurred $in overdraft feesTCF reversed $of these fees on February 5, To further assist you, we reversed the remaining feesThis transaction will appear as a credit on your next monthly statement Mr***, we thank you for taking the time to share your concerns with us Sincerely, Travis CCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
December 7, 2016 Mr*** *** * *** ***Elmwood Park, IL 60707 Re: Revdex.com Case # *** Dear Mr***, We received the inquiries that you submitted through the Revdex.com and TCF’s online banking websiteWe appreciate
the opportunity to respond to your concerns You express concern about 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 In the notice dated November 25, (copy enclosed), your beginning available balance was $From this balance, we subtracted the transactions that were pending; in this case, the transaction for $The available balance was then $Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore overdrawn $37.67, which is why your account was assessed an overdraft fee. You also express concern regarding TCF authorizing ATM and everyday debit card transactions when there is an insufficient available balance in your account. Review of the Overdraft Election section of the account agreement that you signed on March 20, (copy enclosed) indicates that 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 requestWe are sorry for any misunderstanding there may have been when you were making your electionIt is TCF’s goal to ensure our customers have a full understanding of the account at the time it is opened We see that you changed your election on November 28, at our Harlem and Belden location and asked TCF to decline ATM and everyday debit card transactions that exceed your available balance at the time of the authorization requestTCF does not have record of a request to change your overdraft election for checks and ACH transactions Our records for your account ending in *** indicate that between November 28, and November 29, you incurred a $in overdraft fees when debit card transactions were presented for payment from your account when there were insufficient fundsTo assist you, we have reversed these 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. Mr***, we hope this explains TCF’s policies more fully. Sincerely, Melody J.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
January 25,
Ms
*** ***
*** * *** ***
Chicago,
IL
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 activity that was processed from your TCF Bank
(“TCF”) checking account ending in ***
TCF
records indicate that a check deposit in the amount of $2,was made on
January 14, The check was returned to TCF as unpaid and debited from your
account on January 19, Because the funds were used for PIN-based debit
card transactions, the account balance became overdrawn and TCF closed the
account as a result of this activity
On
January 14, 2015, a fraud dispute was filed for PIN-based debit card
transactions that processed to your accountTCF completed research and was
unable to pay your dispute because we concluded that the transactions were
authorizedThe transactions were all performed using your debit card and your
personal identification number (PIN)
When
your account remained overdrawn, the balance owing of $1,was sent to
Millennium Credit Consultants (MCC) for collection and the account was reported
to ChexSystems for insufficient funds activityOur records further indicate
that MCC reported the account to Equifax in May
TCF
has a duty to report accurate information to consumer and credit reporting
agenciesThe information reported was accurate, and that fact has not changed
The information reported to ChexSystems and Equifax may remain listed on your
report for the retention period designated by that agency
Ms
***, we trust this clarifies the actions that were taken with regard to
your former TCF account
Sincerely,
Courtney
L
Customer
Response Representative
April 25, Ms*** L *** *** * *** *** Minneapolis, MN 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 the resolutions of your electronic transaction disputes for your account ending in *** TCF records indicate that on March 29, 2018, you filed two electronic transaction disputes regarding ATM and debit card transactions that processed from your accountTCF completed research and was unable to pay the dispute, we have enclosed the resolution letters dated April 4, Our records indicate that you requested a re-evaluation of the dispute in a notification that TCF received on April 5, Based on our additional review, we stood by the decision not to pay your disputes and mailed you the enclosed resolution letters dated April 6, We understand that you spoke to our team members directly regarding the disputes and requested another re-evaluationTCF completed this review on April 20, and paid some of the disputed transactionsFor further detail, you may refer to the enclosed resolution letters dated April 20, Ms***, we appreciate you taking the time to share your concerns with us Sincerely, Courtney LCustomer Support TCF National Bank
Initial Business Response /* (1000, 6, 2016/02/15) */
February 15,
Ms*** ***
*** ***
XXX XXth ** **
*** *** ** XXXXX-XXXX
RE: Revdex.com Case # XXXXXXXX
Dear Ms***,
We received the inquiry you submitted to the Revdex.com and appreciate the
opportunity to respond to your concerns
You expressed 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 processedThe overdraft notice dated February 1, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $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 withdrawalIn this instance, the five pending transactions totaling $reduced your available balance
Our records show that between February and February 3, your account was assessed $in overdraft feesThese fees are the result of transactions posting to your account when you had insufficient available fundsTo assist you, we have reversed these feesThis transaction will appear as a credit on your next statement
For your review, we have enclosed our What You Need to Know about Bank Service Charges & Overdrafts noticeThis notice explains how overdraft fees are assessed and how you may avoid them
Your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactionsChanging your election(s) may help you avoid future overdraft fees, and you may do so at any time by visiting your local branch or by calling TCF's Customer Service Line at 800-TCF-BANK (XXX-XXX-XXXX)
Ms***, we thank you for taking the time to share your concerns and hope this explains TCF's policies more fully
Sincerely,
Melody J
Customer Response Representative
Cc *** *** Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 8, 2016/02/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They took out a total of $in overdraft feesIf they had not taken out the first $when I had $in my account, they proceeded to take out other charges that would have been covered before the $was taken out, things would have been fineAll of this just went out of control because of their constantly taking out their feesI feel if they kept $which truly covered two transactions, it would be fineI was not going to keep putting in funds just to be taken in finesI would expect $more in a reversal to make this rightThank you for your help in this matter
Please see attached
April 27, Ms*** *** *** * *** *** *** *** Chicago, IL Re: Revdex.com Case # *** Dear Ms***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further address your concernsWe apologize for any inconvenience you may have experienced when an unauthorized transaction in the amount of $to Walmart Grocery posted to your accountOur records indicate that an unauthorized transaction claim was filed and that your account was reimbursed for the transaction on April 13, We also understand that you have incurred a $late fee from your landlord when your account balance was insufficient to pay your rentTo assist you, we have credited your checking account $as reimbursement for this feeMs***, we appreciate you taking the time to share your additional concerns with usSincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com