July 11, *** *** *** *** *** * ** Minneapolis, MN 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 A review of our records indicates that you filed an electronic transaction fraud dispute on July 5, in the amount of $on your account ending in ***TCF completed research and was unable to pay your disputeThe transaction was determined to be authorized because your card and pin were present and you did not indicate that your card was lost or stolen We have been unable to find any record of any other transaction disputes having been filed for this accountWe have enclosed a copy of your transaction history; if there are additional transactions that you believe to be unauthorized, you may visit your local TCF branch or contact TCF’s Customer Service Line at 800-TCF-BANK (###-###-####) to file an additional dispute Mr***, we appreciate your banking relationship with TCF and your continued patronage Sincerely, Nash JRetail Correspondence Representative Cc: *** ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: I didn't receive your questionnaire requesting additional informationI also didn't receive any notices by emailI even don't know why my account was closed by nowThere is no any explanation at all. I left Minnesota on last September and am living in Canada right nowAfter I found my account was closed, I called your customer service right away, who suggested me to visit the branch I opened my account on person, which was obvious ridiculousI verified every information he needI just asked him to change the address, which obvious is not problem in many banks with good service.This time, you ask me a "signed notarized letter in a enclosed postage-paidenvelope"I want to ask what information I need to notarizeThis is the service of TCF: I want to close your account whenever I wantYou can do nothing about your account even like changing addressYou need notarize whatever information but I don't tell youI also don't tell you what address you should mail the letter to
September
16,
Ms*** ***
** *** ***
North
York, ON M2H 2N
Re: Revdex.com Case # ***
Dear Ms
***,
We
received the inquiry you submitted to the Revdex.com and appreciate
the
opportunity to respond to your concern regarding the closure of your TCF
Bank (“TCF”) checking account
TCF, like
other financial institutions, reviews information to ensure 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 information on
July 29, When the information was not returned, your account was closed
on August 24, An Official Bank Check for the final balance of $was
mailed to the account address on file
In order to
send the account balance to an address that is not on file, please send a
signed notarized letter in the
enclosed postage-paid envelopeWe will be happy to reissue a replacement check
once documentation of your new address is received
Ms***,
we thank you for bringing this matter to our attention
Sincerely,
Courtney
L
Customer
Response Representative
Cc: *** ***, Mediation Coordinator,
Revdex.com
May 18, 2018 *** *** *** *** ***
*** *** *** *Sartell, MN 56377-2294 Re: Revdex.com Case # *** Dear Mr***: We received the inquiry that you submitted to the Revdex.com and appreciate the opportunity to
respond to your concerns. 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 April 30, (copy enclosed), your beginning available balance was $From this balance, we subtracted the transactions that were pendingIn this case, the transaction for $The available balance was then $Then we subtracted the transactions that were postingIn this case, the transactions totaling $The available balance after pending and posted transactions was therefore overdrawn $7.00, which is why your account was assessed an overdraft fee that posted the following business day on April 24, TCF records indicate that between May 1, and May 2, your checking account ending in incurred $in overdraft feesTCF reversed $in overdraft fees on May 7, To assist you further, we have reversed the remaining $feeThis transaction will appear as a credit on your next statement. Mr***, we appreciate you taking the time to share your concerns with us. Sincerely, Travis C.Retail Correspondence Representative Cc: *** ***, Mediation Coordinator, Revdex.com
December 13, Ms*** *** *** *** *** * Minneapolis, MN Re: Revdex.com Case # *** Dear Ms***: We received the rebuttal you submitted to the Revdex.com and appreciate the opportunity to further respond to your concerns You expressed concern regarding the service you received when you inquired about deposit holds and your TCF Bank (“TCF”) debit cardWe sincerely apologize if you received less than satisfactory service from our team members through TCF’s Customer Service Line or our branches regarding these matters In our previous response, we explained that funds you deposit by check may be delayed for a longer period if TCF research indicates that a check deposit may not be paidOur reviews of deposited items are conducted based on objective criteria and are intended to protect both the bank and our depositorsUnfortunately, these reviews are not always perfect and we regret the inconvenience this caused you Ms***, we thank you for bringing this additional information to our attention Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/09/04) */
September 4,
Mr*** ***
XXXX XXth Ave S
Minneapolis, MN XXXXX
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 expressed concern about TCF's fee for excessive withdrawals from your daughter's accountTCF notified its customers of this fee, which was effective January 15, 2015, in November of We regret that you did not see this notice
The purpose of the fee is to encourage individuals to use their savings accounts for saving money rather than as a substitute for a checking accountIn addition, federal regulations prohibit more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings account during a calendar month (or monthly statement cycle)The following list defines the types of transactions that are limited for transfers or withdrawals to another account with TCF or to a third party by preauthorized automatic transfers:
Online banking or recurring transfers
Bill Payment
Phone Transfers
Wires
ACH debits
Overdraft protection transfers
Checks
POS/card purchases/payments/cash advances
TCF does not limit the number of transfers or withdrawals from your account to other TCF accounts you own if conducted at an ATM or in person at a branchNo excessive withdrawal fee is charged for these transactions
Due to TCF's privacy policy, we are responding to your daughter directly regarding her account
Mr***, we thank you for taking the time to bring these matters to our attention and trust this information addresses your concerns
Sincerely,
Holly S
Customer Response Representative
Cc: *** *** Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 7, 2015/09/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My daughter's are in Schools in Bozeman, MT and in LaCrosse, WIso access to ATM's and a Bank are limitedIf this is a Federally Prohibited practice, why is TCF allowing the transfers and then taking $per occurrence? I have advised my daughters to shut down their accounts and figure out another banking option
March 6, Ms*** *** ** *** *** StPaul, MN 55117- 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 manner in which TCF Bank (“TCF”) processes transactions on your account Transactions on your account may not be processed in the order in which they occurredIf we receive several items for payment against your account during a day, the order of posting may be different (and generally will be different) from the order in which we received themThe order of processing also may be different from the order in which the transactions occurred and the day on which they occurredThe order transactions post will impact your available balanceIf all your transactions on a business day exceed your available balance at the start of processing, the posting order could affect the number of overdrafts or returned items on your account and the number of fees you incur You may review TCF’s Terms and Conditions for Checking and Savings Accounts for additional information In arriving at the available balance, we deduct outstanding debit card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize the purchases, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”)For example, your account was assessed two overdraft fees for the White Castle and Culver’s debit card transactions named in your inquiry because they arrived for payment on February 14, Between February 14, and February 15, your account incurred $in overdraft feesTCF reversed $of these fees on February 22, To further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Ms***, we trust this explains TCF’s policies more fully Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
July 14, *** *** *** *** *** *** *** * *** *** ** *** * Phoenix AZ 85009- Revdex.com case # *** Dear Mr***, Thank you for contacting us again regarding your international wire transfer. We appreciate the opportunity to further respond to your concern Based on your letter we understand that you have continued concerns regarding a wire transfer Our records show that on May 25, 2016, you initiated an international wire transfer to *** *** *** *** *** in China. On May 27, 2016, per your request, the branch requested that the wire transfer department amend the beneficiary name to include LtdThis was a Friday, and the wired funds were returned on Monday May 31, 2016, the next business day, so it is likely that the amendment did not reach the other bank in time The only explanation from the Chinese bank as to why the funds were returned was “Unable to Apply.” They didn’t specifically say what the issue was, and we never had any other communication saying there was any sort of issue with the wireIn good faith, we believe that our wire procedures conform to industry standards; however, upon further research, we have found that China is generally very precise in regard to matching the beneficiary name to what is actually on the beneficiary account If this delay was indeed caused by our wire transfer form not allowing more characters for the beneficiary business name, we regret any inconvenience this delay may have causedWe are looking into this matter you describe and will be addressing it appropriately On June 2, 2016, in working with the presumed expectations of the Chinese beneficiary bank, we were able to supply the complete beneficiary name on the wire transfer form - both in the name and address box and in the box for “Bank to Bank” informationThis promises to be an effective way of providing the supplemental information as the transfer was successful Mr***, we appreciate you bringing this to our attention and trust this clarifies the activity on your account Sincerely, Deborah Z Customer Response Representative Cc *** ***, Mediation Coordinator, Revdex.com
March 13, Mr*** *** *** ***
*** *** *** Colorado Springs, CO 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 availability of your direct deposit for your TCF Bank (“TCF”) checking account We apologize if the service you received from our team member through TCF’s Customer Service Line did not meet your expectations when you inquired about this matterIt 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 Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositorTCF records indicate that your direct deposit was credited to your account on March 3, at the direction of Social SecurityWe regret any misunderstanding there may have been regarding this practice Mr***, we thank you for banking with TCF and sharing your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/06/02) */
June 2,
Ms*** ***
***
Columbia Heights MN
Revdex.com Case # ***
Dear Ms***,
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your
concern
You express concern about overdraft fees assessed to your accountWe would like to take this opportunity to explain why overdrafts fees were assessed in this instance
The overdraft notice dated May 18, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$This is why your account was assessed overdraft feesOverdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online bankingIn mobile banking pending fees are indicated by an asterisk (*)Pending fees will appear in online and mobile banking by 12:p.mCentral Time
TCF records indicate that between May 19, and May 20, you incurred $in overdraft feesBecause you are a valued customer, we have reversed $of these fees
Ms***, thank you for your long standing banking relationship and for bringing your concern to our attention
Sincerely,
***
Customer Response Representative
Cc:***, Operations Manager, Revdex.com
I am rejecting this response because:TCF National Bank received a copy of the power of attorney paper work a long time agoThey also received the affidavit for my dad's claim months agoMy father never held an account with TCF bankThe life insurance check from the death of my grandmother was fraudulently cashed at a TCF Bank over three years agoMy dad has been incarcerated for the last seven, almost eight years and never received or cashed the insurance check
March 1, Ms*** *** *** *** *** Steger, 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 additional concerns We apologize for any misunderstanding you may have experienced regarding the response that we provided to you on January 24, While we understand that you may have provided the power of attorney paperwork when Mr***’s TCF account was open, we have no current record of this information and will need to receive this documentation before we can discuss his account with youWe have again enclosed a postage paid envelope for your convenience Ms***, thank you for your additional inquiry Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 6, 2015/07/08) */
July 8,
Ms*** ***
***
Mounds View MN
Revdex.com Case # ***
Dear Ms***,
We received the inquiry you submitted to the Better Busies Bureau and appreciate the opportunity to respond to your
concern
You expressed concern over the way that TCF processes transactions on your accountWe would like to take this opportunity to explain how transactions are processed
First, we process deposits made before the cutoff time before we process withdrawals
Second, we process certain "priority" withdrawals before othersThese include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item below)We generally process these transactions in groups in chronological order within each group based on the date and time of the transaction
Third, we generally process ATM withdrawals and debit card transactions in chronological order based on a date and time associated with the transaction that are provided to us by the processor
Fourth, we generally process checks in lowest-to-highest order based on check number
Fifth, we generally process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals
Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts
This information is also provided in the Terms and Conditions for Checking and Savings accounts, which is provided when an account is opened
Our records indicate that between June 3, and June 30, you incurred $in overdraft feesTo assist you with this situation, we have reversed $of these fees
Ms***, I trust this information will assist you in maintaining your account
Sincerely,
Pamela M
Customer Response Representative
Initial Consumer Rebuttal /* (2000, 8, 2015/07/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
May 2, Ms*** *** *** *** *** Zimmerman, 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 about overdraft fees that were assessed to your accountWe 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 withdrawalIn the notice dated April 12, (copy enclosed), your beginning available balance was $We then add any deposits; in this case the deposit for $The available balance was then $From this balance, we subtracted the transactions that were pending; in this case there were no pending transactionsThe available balance was still $Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore negative $54.60, which is why your account was assessed an overdraft feeTCF records indicate that between April and April 20, you incurred $in overdraft fees because transactions were presented for payment when your account balance was insufficientTo assist you, we have reversed those feesThis will show as a credit on your next statementMs***, we thank you for banking with TCF and trust this explains your account activity more fullySincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
September 14, 2016 Ms*** *** ***
*** *** ***Minneapolis, MN 55408-1378 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 your overdraft elections for your TCF Bank (“TCF”) checking account. Review of the Overdraft Election section of your account agreement that you signed on March 17, (copy enclosed) indicates that you asked TCF to pay ATM, everyday debit card, checks and ACH transactions that exceed your account’s available balance at the time of the authorization requestWe apologize for any misunderstanding there may have been regarding your elections when you spoke with our team members via TCF’s Customer Service Line Based on your complaint, we have changed your overdraft selection to opt-out for ATM, everyday debit card transactions, checks and ACH transactionsYou may change your overdraft 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). You also express concern regarding excessive withdrawal and non-TCF ATM fees that were assessed to your checking and savings accounts The purpose of the excessive withdrawal fee is to encourage individuals to use their savings accounts for saving money rather than as a substitute for a checking account. In addition, federal regulations prohibit more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings account during a calendar month (or monthly statement cycle)The following list defines the types of transactions that are limited for transfers or withdrawals to another TCF account or to a third party by preauthorized automatic transfers: Online banking or recurring transfersBill PaymentPhone TransfersWiresACH debitsOverdraft protection transfersChecksPOS/card purchases/payments/cash advances TCF does not limit the number of transfers or withdrawals from your account to other TCF accounts you own if conducted at an ATM or in person at a branch. No excessive withdrawal fee is charged for these transactions. TCF’s Deposit Services and Prices Schedule explains that the fee for using a non-TCF ATM is $per withdrawal and $per balance inquiryThese fees are accessed at the end of each statement periodWe have enclosed a copy for your review TCF records indicate that between July 22, and August 24, 2016, your checking account incurred $in overdraft fees and a $non-TCF ATM withdrawal feeTCF reversed $on July 29, To assist you, we have reversed the remaining $in overdraft fees and the $non-TCF ATM withdrawal feeThese credits will appear as credits on your next statement. Between April 29, and May 31, your savings account incurred a $excessive withdrawal fee and $in non-TCF ATM withdrawal feesTo further assist you, we have reversed these fees alsoThese transactions will appear as credits on your next statement. Ms***, we trust that we have answered your concerns. Sincerely, Courtney L.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
June 22, Mr*** *** *** ** *** *** *** ** Oak Park, IL Re: Mr*** *** Revdex.com Case # *** Dear Mr***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further address your concerns You express concern regarding the status listed for your former TCF Bank (“TCF”) account As stated in our previous response, we directed Millennium Credit Consultants (MCC) to stop collection and waived the balance owing of $255.38. We waived this balance as a courtesy to you On June 13, 2016, we updated the information reported to ChexSystems to reflect that your balance of $was waived. Per your request, we have verified that MCC has not reported your balance to a credit reporting agency Mr***, we hope this clarifies the matter to your satisfaction Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
October 24, 2017 Ms. [redacted] Northfield, MN 55057 Re: Revdex.com Case # [redacted] Dear Ms. [redacted]: We received the inquiry you submitted to the Revdex.com and...
appreciate the opportunity to respond to your concerns. We sincerely apologize for any inconvenience you may have experienced when another customer’s accounts were visible through your profile when you enrolled in TCF’s Digital Banking. Our records indicate that on October 11, 2017 TCF updated both account records to correct this error. We want you to know that we take the responsibility of safeguarding customer information very seriously, and we are very sorry for any apprehension this situation may have caused you. Ms. [redacted], thank you for taking the time to bring this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, Courtney L. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
November 28, 2017 [redacted] Dolton, IL 60419 Re: Revdex.com Case # [redacted] Dear Mr. [redacted]: We received the inquiry you submitted to the Revdex.com and appreciate the opportunity...
to respond to your concerns. You express concern regarding an unsuccessful transfer through our automated phone service that caused overdraft fees to your TCF Bank (“TCF”) account ending in [redacted]. On November 11, 2017, an unsuccessful transfer occurred through our automated phone service from your business checking account ending in [redacted] to your personal checking account ending in [redacted]. We must inform you that due to account security reasons, TCF does not allow transfers between business and personal accounts. To make future transfers between business and personal accounts, we recommend visiting your local branch, using TCF’s Digital Bill Pay service to send a check or using a third-party payment service such as PayPal. TCF records indicate that between November 14, 2017 and November 17, 2017, your account incurred $222 in overdraft fees. TCF reversed $47 of these fees on November 15, 2017. To further assist you, we have reversed the remaining $175 in fees. This transaction will appear as a credit on your next statement. Mr. [redacted], we thank you for taking the time to communicate your concern. Sincerely, Travis C. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
September 15, 2016 [redacted] Saint Paul, MN 55121 Re: Revdex.com Case # [redacted] Dear Mr. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns. You express concern regarding a monthly maintenance fee that was assessed to your savings account. TCF records indicate that account ending in [redacted] was opened for you as a minor savings account on September 28, 1998. TCF’s Deposit Account Services and Prices Schedule explains that a monthly maintenance fee will be assessed to the account if the balance falls below the minimum account balance any day of the month. The Schedule further explains that the monthly maintenance fee is waived on select TCF savings products if a custodial minor is under 18 years of age. Our records indicate that the monthly maintenance fee waiver expired on April 2, 2014 when you turned 18 years old. We apologize for any misunderstanding there may have been regarding this practice. Review of the account indicates that from April 2014 to August 2016 your account incurred $112 in monthly maintenance fees. TCF reversed $48 of these fees on August 19, 2016, which is the same day you closed the account. To assist you, we have enclosed an Official Bank Check for $64 as reimbursement of the remaining fees Mr. [redacted], thank you for taking the time to bring your concerns to our attention. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
July 11, *** *** *** *** *** * ** Minneapolis, MN 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 A review of our records indicates that you filed an electronic transaction fraud dispute on July 5, in the amount of $on your account ending in ***TCF completed research and was unable to pay your disputeThe transaction was determined to be authorized because your card and pin were present and you did not indicate that your card was lost or stolen We have been unable to find any record of any other transaction disputes having been filed for this accountWe have enclosed a copy of your transaction history; if there are additional transactions that you believe to be unauthorized, you may visit your local TCF branch or contact TCF’s Customer Service Line at 800-TCF-BANK (###-###-####) to file an additional dispute Mr***, we appreciate your banking relationship with TCF and your continued patronage Sincerely, Nash JRetail Correspondence Representative Cc: *** ***, Mediation Coordinator, Revdex.com
I am rejecting this response because: I didn't receive your questionnaire requesting additional informationI also didn't receive any notices by emailI even don't know why my account was closed by nowThere is no any explanation at all. I left Minnesota on last September and am living in Canada right nowAfter I found my account was closed, I called your customer service right away, who suggested me to visit the branch I opened my account on person, which was obvious ridiculousI verified every information he needI just asked him to change the address, which obvious is not problem in many banks with good service.This time, you ask me a "signed notarized letter in a enclosed postage-paidenvelope"I want to ask what information I need to notarizeThis is the service of TCF: I want to close your account whenever I wantYou can do nothing about your account even like changing addressYou need notarize whatever information but I don't tell youI also don't tell you what address you should mail the letter to
September
16,
Ms*** ***
** *** ***
North
York, ON M2H 2N
Re: Revdex.com Case # ***
Dear Ms
***,
We
received the inquiry you submitted to the Revdex.com and appreciate
the
opportunity to respond to your concern regarding the closure of your TCF
Bank (“TCF”) checking account
TCF, like
other financial institutions, reviews information to ensure 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 information on
July 29, When the information was not returned, your account was closed
on August 24, An Official Bank Check for the final balance of $was
mailed to the account address on file
In order to
send the account balance to an address that is not on file, please send a
signed notarized letter in the
enclosed postage-paid envelopeWe will be happy to reissue a replacement check
once documentation of your new address is received
Ms***,
we thank you for bringing this matter to our attention
Sincerely,
Courtney
L
Customer
Response Representative
Cc: *** ***, Mediation Coordinator,
Revdex.com
May 18, 2018 *** *** *** *** ***
*** *** *** *Sartell, MN 56377-2294 Re: Revdex.com Case # *** Dear Mr***: We received the inquiry that you submitted to the Revdex.com and appreciate the opportunity to
respond to your concerns. 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 April 30, (copy enclosed), your beginning available balance was $From this balance, we subtracted the transactions that were pendingIn this case, the transaction for $The available balance was then $Then we subtracted the transactions that were postingIn this case, the transactions totaling $The available balance after pending and posted transactions was therefore overdrawn $7.00, which is why your account was assessed an overdraft fee that posted the following business day on April 24, TCF records indicate that between May 1, and May 2, your checking account ending in incurred $in overdraft feesTCF reversed $in overdraft fees on May 7, To assist you further, we have reversed the remaining $feeThis transaction will appear as a credit on your next statement. Mr***, we appreciate you taking the time to share your concerns with us. Sincerely, Travis C.Retail Correspondence Representative Cc: *** ***, Mediation Coordinator, Revdex.com
December 13, Ms*** *** *** *** *** * Minneapolis, MN Re: Revdex.com Case # *** Dear Ms***: We received the rebuttal you submitted to the Revdex.com and appreciate the opportunity to further respond to your concerns You expressed concern regarding the service you received when you inquired about deposit holds and your TCF Bank (“TCF”) debit cardWe sincerely apologize if you received less than satisfactory service from our team members through TCF’s Customer Service Line or our branches regarding these matters In our previous response, we explained that funds you deposit by check may be delayed for a longer period if TCF research indicates that a check deposit may not be paidOur reviews of deposited items are conducted based on objective criteria and are intended to protect both the bank and our depositorsUnfortunately, these reviews are not always perfect and we regret the inconvenience this caused you Ms***, we thank you for bringing this additional information to our attention Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/09/04) */
September 4,
Mr*** ***
XXXX XXth Ave S
Minneapolis, MN XXXXX
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 expressed concern about TCF's fee for excessive withdrawals from your daughter's accountTCF notified its customers of this fee, which was effective January 15, 2015, in November of We regret that you did not see this notice
The purpose of the fee is to encourage individuals to use their savings accounts for saving money rather than as a substitute for a checking accountIn addition, federal regulations prohibit more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings account during a calendar month (or monthly statement cycle)The following list defines the types of transactions that are limited for transfers or withdrawals to another account with TCF or to a third party by preauthorized automatic transfers:
Online banking or recurring transfers
Bill Payment
Phone Transfers
Wires
ACH debits
Overdraft protection transfers
Checks
POS/card purchases/payments/cash advances
TCF does not limit the number of transfers or withdrawals from your account to other TCF accounts you own if conducted at an ATM or in person at a branchNo excessive withdrawal fee is charged for these transactions
Due to TCF's privacy policy, we are responding to your daughter directly regarding her account
Mr***, we thank you for taking the time to bring these matters to our attention and trust this information addresses your concerns
Sincerely,
Holly S
Customer Response Representative
Cc: *** *** Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 7, 2015/09/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My daughter's are in Schools in Bozeman, MT and in LaCrosse, WIso access to ATM's and a Bank are limitedIf this is a Federally Prohibited practice, why is TCF allowing the transfers and then taking $per occurrence? I have advised my daughters to shut down their accounts and figure out another banking option
March 6, Ms*** *** ** *** *** StPaul, MN 55117- 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 manner in which TCF Bank (“TCF”) processes transactions on your account Transactions on your account may not be processed in the order in which they occurredIf we receive several items for payment against your account during a day, the order of posting may be different (and generally will be different) from the order in which we received themThe order of processing also may be different from the order in which the transactions occurred and the day on which they occurredThe order transactions post will impact your available balanceIf all your transactions on a business day exceed your available balance at the start of processing, the posting order could affect the number of overdrafts or returned items on your account and the number of fees you incur You may review TCF’s Terms and Conditions for Checking and Savings Accounts for additional information In arriving at the available balance, we deduct outstanding debit card authorizations and check deposits that are not yet available for withdrawalWhile there may be sufficient funds in your account at the time we authorize the purchases, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”)For example, your account was assessed two overdraft fees for the White Castle and Culver’s debit card transactions named in your inquiry because they arrived for payment on February 14, Between February 14, and February 15, your account incurred $in overdraft feesTCF reversed $of these fees on February 22, To further assist you, we have reversed the remaining $in feesThis transaction will appear as a credit on your next statement Ms***, we trust this explains TCF’s policies more fully Sincerely, Courtney LCustomer 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
July 14, *** *** *** *** *** *** *** * *** *** ** *** * Phoenix AZ 85009- Revdex.com case # *** Dear Mr***, Thank you for contacting us again regarding your international wire transfer. We appreciate the opportunity to further respond to your concern Based on your letter we understand that you have continued concerns regarding a wire transfer Our records show that on May 25, 2016, you initiated an international wire transfer to *** *** *** *** *** in China. On May 27, 2016, per your request, the branch requested that the wire transfer department amend the beneficiary name to include LtdThis was a Friday, and the wired funds were returned on Monday May 31, 2016, the next business day, so it is likely that the amendment did not reach the other bank in time The only explanation from the Chinese bank as to why the funds were returned was “Unable to Apply.” They didn’t specifically say what the issue was, and we never had any other communication saying there was any sort of issue with the wireIn good faith, we believe that our wire procedures conform to industry standards; however, upon further research, we have found that China is generally very precise in regard to matching the beneficiary name to what is actually on the beneficiary account If this delay was indeed caused by our wire transfer form not allowing more characters for the beneficiary business name, we regret any inconvenience this delay may have causedWe are looking into this matter you describe and will be addressing it appropriately On June 2, 2016, in working with the presumed expectations of the Chinese beneficiary bank, we were able to supply the complete beneficiary name on the wire transfer form - both in the name and address box and in the box for “Bank to Bank” informationThis promises to be an effective way of providing the supplemental information as the transfer was successful Mr***, we appreciate you bringing this to our attention and trust this clarifies the activity on your account Sincerely, Deborah Z Customer Response Representative Cc *** ***, Mediation Coordinator, Revdex.com
March 13, Mr*** *** *** ***
*** *** *** Colorado Springs, CO 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 availability of your direct deposit for your TCF Bank (“TCF”) checking account We apologize if the service you received from our team member through TCF’s Customer Service Line did not meet your expectations when you inquired about this matterIt 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 Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositorTCF records indicate that your direct deposit was credited to your account on March 3, at the direction of Social SecurityWe regret any misunderstanding there may have been regarding this practice Mr***, we thank you for banking with TCF and sharing your concerns with us Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/06/02) */
June 2,
Ms*** ***
***
Columbia Heights MN
Revdex.com Case # ***
Dear Ms***,
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your
concern
You express concern about overdraft fees assessed to your accountWe would like to take this opportunity to explain why overdrafts fees were assessed in this instance
The overdraft notice dated May 18, (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$This is why your account was assessed overdraft feesOverdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online bankingIn mobile banking pending fees are indicated by an asterisk (*)Pending fees will appear in online and mobile banking by 12:p.mCentral Time
TCF records indicate that between May 19, and May 20, you incurred $in overdraft feesBecause you are a valued customer, we have reversed $of these fees
Ms***, thank you for your long standing banking relationship and for bringing your concern to our attention
Sincerely,
***
Customer Response Representative
Cc:***, Operations Manager, Revdex.com
I am rejecting this response because:TCF National Bank received a copy of the power of attorney paper work a long time agoThey also received the affidavit for my dad's claim months agoMy father never held an account with TCF bankThe life insurance check from the death of my grandmother was fraudulently cashed at a TCF Bank over three years agoMy dad has been incarcerated for the last seven, almost eight years and never received or cashed the insurance check
March 1, Ms*** *** *** *** *** Steger, 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 additional concerns We apologize for any misunderstanding you may have experienced regarding the response that we provided to you on January 24, While we understand that you may have provided the power of attorney paperwork when Mr***’s TCF account was open, we have no current record of this information and will need to receive this documentation before we can discuss his account with youWe have again enclosed a postage paid envelope for your convenience Ms***, thank you for your additional inquiry Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 6, 2015/07/08) */
July 8,
Ms*** ***
***
Mounds View MN
Revdex.com Case # ***
Dear Ms***,
We received the inquiry you submitted to the Better Busies Bureau and appreciate the opportunity to respond to your
concern
You expressed concern over the way that TCF processes transactions on your accountWe would like to take this opportunity to explain how transactions are processed
First, we process deposits made before the cutoff time before we process withdrawals
Second, we process certain "priority" withdrawals before othersThese include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item below)We generally process these transactions in groups in chronological order within each group based on the date and time of the transaction
Third, we generally process ATM withdrawals and debit card transactions in chronological order based on a date and time associated with the transaction that are provided to us by the processor
Fourth, we generally process checks in lowest-to-highest order based on check number
Fifth, we generally process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals
Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts
This information is also provided in the Terms and Conditions for Checking and Savings accounts, which is provided when an account is opened
Our records indicate that between June 3, and June 30, you incurred $in overdraft feesTo assist you with this situation, we have reversed $of these fees
Ms***, I trust this information will assist you in maintaining your account
Sincerely,
Pamela M
Customer Response Representative
Initial Consumer Rebuttal /* (2000, 8, 2015/07/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
May 2, Ms*** *** *** *** *** Zimmerman, 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 about overdraft fees that were assessed to your accountWe 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 withdrawalIn the notice dated April 12, (copy enclosed), your beginning available balance was $We then add any deposits; in this case the deposit for $The available balance was then $From this balance, we subtracted the transactions that were pending; in this case there were no pending transactionsThe available balance was still $Then we subtracted the transactions that were posting; in this case, the transactions totaling $The available balance after pending and posted transactions was therefore negative $54.60, which is why your account was assessed an overdraft feeTCF records indicate that between April and April 20, you incurred $in overdraft fees because transactions were presented for payment when your account balance was insufficientTo assist you, we have reversed those feesThis will show as a credit on your next statementMs***, we thank you for banking with TCF and trust this explains your account activity more fullySincerely, Erik MCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
September 14, 2016 Ms*** *** ***
*** *** ***Minneapolis, MN 55408-1378 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 your overdraft elections for your TCF Bank (“TCF”) checking account. Review of the Overdraft Election section of your account agreement that you signed on March 17, (copy enclosed) indicates that you asked TCF to pay ATM, everyday debit card, checks and ACH transactions that exceed your account’s available balance at the time of the authorization requestWe apologize for any misunderstanding there may have been regarding your elections when you spoke with our team members via TCF’s Customer Service Line Based on your complaint, we have changed your overdraft selection to opt-out for ATM, everyday debit card transactions, checks and ACH transactionsYou may change your overdraft 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). You also express concern regarding excessive withdrawal and non-TCF ATM fees that were assessed to your checking and savings accounts The purpose of the excessive withdrawal fee is to encourage individuals to use their savings accounts for saving money rather than as a substitute for a checking account. In addition, federal regulations prohibit more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings account during a calendar month (or monthly statement cycle)The following list defines the types of transactions that are limited for transfers or withdrawals to another TCF account or to a third party by preauthorized automatic transfers: Online banking or recurring transfersBill PaymentPhone TransfersWiresACH debitsOverdraft protection transfersChecksPOS/card purchases/payments/cash advances TCF does not limit the number of transfers or withdrawals from your account to other TCF accounts you own if conducted at an ATM or in person at a branch. No excessive withdrawal fee is charged for these transactions. TCF’s Deposit Services and Prices Schedule explains that the fee for using a non-TCF ATM is $per withdrawal and $per balance inquiryThese fees are accessed at the end of each statement periodWe have enclosed a copy for your review TCF records indicate that between July 22, and August 24, 2016, your checking account incurred $in overdraft fees and a $non-TCF ATM withdrawal feeTCF reversed $on July 29, To assist you, we have reversed the remaining $in overdraft fees and the $non-TCF ATM withdrawal feeThese credits will appear as credits on your next statement. Between April 29, and May 31, your savings account incurred a $excessive withdrawal fee and $in non-TCF ATM withdrawal feesTo further assist you, we have reversed these fees alsoThese transactions will appear as credits on your next statement. Ms***, we trust that we have answered your concerns. Sincerely, Courtney L.Customer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
June 22, Mr*** *** *** ** *** *** *** ** Oak Park, IL Re: Mr*** *** Revdex.com Case # *** Dear Mr***, We received the additional inquiry you submitted to the Revdex.com and appreciate the opportunity to further address your concerns You express concern regarding the status listed for your former TCF Bank (“TCF”) account As stated in our previous response, we directed Millennium Credit Consultants (MCC) to stop collection and waived the balance owing of $255.38. We waived this balance as a courtesy to you On June 13, 2016, we updated the information reported to ChexSystems to reflect that your balance of $was waived. Per your request, we have verified that MCC has not reported your balance to a credit reporting agency Mr***, we hope this clarifies the matter to your satisfaction Sincerely, Courtney LCustomer Response Representative Cc: *** ***, Mediation Coordinator, Revdex.com
October 24, 2017 Ms. [redacted] Northfield, MN 55057 Re: Revdex.com Case # [redacted] Dear Ms. [redacted]: We received the inquiry you submitted to the Revdex.com and...
appreciate the opportunity to respond to your concerns. We sincerely apologize for any inconvenience you may have experienced when another customer’s accounts were visible through your profile when you enrolled in TCF’s Digital Banking. Our records indicate that on October 11, 2017 TCF updated both account records to correct this error. We want you to know that we take the responsibility of safeguarding customer information very seriously, and we are very sorry for any apprehension this situation may have caused you. Ms. [redacted], thank you for taking the time to bring this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, Courtney L. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
November 28, 2017 [redacted] Dolton, IL 60419 Re: Revdex.com Case # [redacted] Dear Mr. [redacted]: We received the inquiry you submitted to the Revdex.com and appreciate the opportunity...
to respond to your concerns. You express concern regarding an unsuccessful transfer through our automated phone service that caused overdraft fees to your TCF Bank (“TCF”) account ending in [redacted]. On November 11, 2017, an unsuccessful transfer occurred through our automated phone service from your business checking account ending in [redacted] to your personal checking account ending in [redacted]. We must inform you that due to account security reasons, TCF does not allow transfers between business and personal accounts. To make future transfers between business and personal accounts, we recommend visiting your local branch, using TCF’s Digital Bill Pay service to send a check or using a third-party payment service such as PayPal. TCF records indicate that between November 14, 2017 and November 17, 2017, your account incurred $222 in overdraft fees. TCF reversed $47 of these fees on November 15, 2017. To further assist you, we have reversed the remaining $175 in fees. This transaction will appear as a credit on your next statement. Mr. [redacted], we thank you for taking the time to communicate your concern. Sincerely, Travis C. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
September 15, 2016 [redacted] Saint Paul, MN 55121 Re: Revdex.com Case # [redacted] Dear Mr. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns. You express concern regarding a monthly maintenance fee that was assessed to your savings account. TCF records indicate that account ending in [redacted] was opened for you as a minor savings account on September 28, 1998. TCF’s Deposit Account Services and Prices Schedule explains that a monthly maintenance fee will be assessed to the account if the balance falls below the minimum account balance any day of the month. The Schedule further explains that the monthly maintenance fee is waived on select TCF savings products if a custodial minor is under 18 years of age. Our records indicate that the monthly maintenance fee waiver expired on April 2, 2014 when you turned 18 years old. We apologize for any misunderstanding there may have been regarding this practice. Review of the account indicates that from April 2014 to August 2016 your account incurred $112 in monthly maintenance fees. TCF reversed $48 of these fees on August 19, 2016, which is the same day you closed the account. To assist you, we have enclosed an Official Bank Check for $64 as reimbursement of the remaining fees Mr. [redacted], thank you for taking the time to bring your concerns to our attention. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com