I am rejecting this response because: The business stated "Our records indicate that TCF has previously assisted you with $74 in fee reversals prior to our previous aforementioned response where we reversed an additional $518 as a courtesy."I do no understand what they are referring to. I was only charged $37 in overdraft fees, certainly no where near $518. These overdraft fees were also posted to my account in error. This $37 fee resulted from a trial deposit made by another bank that was under $1 that was made to allow external transfers to and from that bank. I had actually deposited $1,000 into the account when I opened the account. Due to a delay in your system, the trial deposit posted a day before my opening deposit of $1,000 posted. This was an error of TCF bank's, not my error. This was not a "courtesy."This was TCF bank correcting an error in their system and fulfilling the terms of our contract, as they had no right to charge me $37. Please explain to me the basis for your assertion that I wasto be charged either the $74 amount you quoted or the $518 amount you quoted.Furthermore, I do upset that you posted this on the Revdex.com website, and will be filing an additional complaint. This is my personal banking information, and you have no right to post this. This is alsocompletely unrelated to my request to receive the $100 bonus. Were you posting this to try and shame me? That is the only conclusion I can come up with. I am outraged by this response.
Initial Business Response /* (1000, 5, 2015/08/20) */
Mr. [redacted]
20 Palatine 444
Irvine, CA 92612
Revdex.com Case # XXXXXXXX
Dear Mr. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns.
You expressed...
concern regarding information you received from our TCF employees.
In regard to your question related to your overdraft election; review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization request.
We are sorry for any misunderstanding there may have been when you were making your elections. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. Further review indicates that on February 12, 2014 you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request.
Also please note, opting out of TCF's authorization of payment on your ATM and everyday check card purchases does not apply to recurring check card transactions, such as (Netflix) because those types of transactions involve an agreement between you and the merchant. TCF is unable to decline a payment once an agreement has been made.
You also express concern regarding the paper statement fee that became effective on January 15, 2015.
TCF's Deposit Account Services and Prices Schedule explains that there is no charge for monthly account statements received online. Review of your account indicates that you recently updated your account, so that going forward you will now receive statements online.
TCF records show that between February 2015 and April 2015 your account incurred $6.00 in paper statement fees. Our records also indicate that between June 30th and July 29, 2015 you incurred $74.00 in overdraft fees. While we view these fees as legitimate, to assist you we have reversed them. This transaction will appear as a credit on your next statement.
To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees.
In addition, TCF's records for the address on file do not match the address you provided to the Revdex.com. In order to verify your account information and update your address, please fill out the enclosed Customer Information Change Form and have your signature on the form notarized. We have enclosed a postage paid return envelope for your convenience.
Mr. [redacted], I trust that the information provided has explained TCF's policies and procedures more fully.
Sincerely,
Holly S.
[redacted] Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
November 3, 2016 Mr. [redacted] [redacted] Minneapolis, MN 55409 Re: Revdex.com Case # [redacted] Dear Mr. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns. ...
We apologize if your experience when using our coin counting machine did not meet your expectations. It is our goal to provide services that are efficient, convenient and valuable, and it is disappointing to learn of any instance in which we have failed to deliver at the level our customers expect. TCF has a commitment to delivering a positive experience with each and every customer interaction. We appreciate your feedback as it assists us in determining areas that can be improved. Based on the information you provide, we are unable to locate a record of this transaction. In order that we may further research this matter, please provide the branch location, a copy of the coin counting receipt, and the account number to which the credit should be applied in the enclosed postage-paid envelope. Mr. [redacted], we thank you for bringing this matter to our attention and look forward to hearing from you. Sincerely, Courtney L. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
We
received the additional inquiry you submitted to the Revdex.com and
appreciate the opportunity to further respond to your concerns.
We
apologize for any misunderstanding you may have experienced regarding the
response that we provided to you on September 16, 2016. We are happy to clarify
that in order that we may withdraw the funds that are currently in your account
and send them to you in Canada, you will first need to submit a written request
to TCF and have your signature on the request notarized.
Ms. [redacted],
we thank you for your additional correspondence and look forward to assisting
you as soon as we receive this request.
Initial Business Response /* (1000, 10, 2015/09/18) */
September 18, 2015
Mr. [redacted] XXXXX
Revdex.com Cash # XXXXXXXX
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 the status of your account and a report made to a consumer reporting agency.
TCF records indicate that between May 12, 2015 and May 20, 2015 you incurred $370.00 in overdraft fees.
When your account remained overdrawn, TCF closed the account on July 10, 2010. The balance owing of $238.58 was sent to Millennium Credit Consultants (MCC) for collection, and the account was reported to ChexSystems for insufficient funds activity.
Due to the circumstances, we have directed MCC to stop collection activities and are waiving the remaining balance owed of $23.58. We have also requested that your record at ChexSystems for this account be removed.
Mr. [redacted], thank you for taking the time to bring your concern to our attention.
Sincerely,
Pamela **
Customer Response Representative
Cc: [redacted] Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 12, 2015/09/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On September 18,2015 I was still charged the amount of $23.58. And being I am away at college and I needed to open up another bank account so I can have money sent to me by my mother I had no choice but to pay this off. I do not understand if the remaining balance was waived I would still be charged this today. I feel that you have taken advantage of the situation and that you do not give your employees proper access or training to properly serve their customers. If the remaing balance was really waived why was I still charged or will you reimburse me what I just paid today?
Final Business Response /* (4000, 14, 2015/09/24) */
September 24, 2015
Mr. [redacted] XXXXX
Revdex.com Cash # XXXXXXXX
Dear Mr. [redacted],
We received your further correspondence regarding your account and have conducted an additional review of your account history.
Due to the circumstances and because you are a valued customer, we have credited your account XXXXXX3455 in the amount of $263.58, which represents the amount that was debited from your account to pay the owing balance.
To further assist you, we have transferred this amount into your newly opened account XXXXXX2719.
Mr. [redacted], thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence.
Sincerely,
[redacted]
Customer Response Representative
Cc: [redacted] Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 2015
[redacted]
[redacted] N [redacted]
[redacted] XXXXX
Re: Revdex.com case #XXXXXXXX
Dear Ms. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to...
your concerns.
We apologize if the service you received during a recent experience with TCF did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you describe in your letter and will be addressing it appropriately.
You express concern regarding the availability of funds in your account. .
TCF general policy regarding the availability of funds from a check deposit is that the first $250.00 of checks deposited on a business day will be available funds on the day of deposit for cash withdrawal and card authorization purposes, otherwise the deposit will be available the second business day after the day of deposit (except for checks with next day availability, which are U.S. Treasury checks, checks drawn on TCF National Bank, Checks drawn by a state or local government used with a special deposit slip, Federal Reserve Bank checks.)The expedited release of the funds in a cash withdrawal at a branch is at the discretion of the Branch Manager. We regret any misunderstanding there may have been regarding this matter.
We are glad to see you were able to withdraw funds on July 31, 2015.
Ms. [redacted], we thank you for banking with TCF and communicating your concern. Your feedback is valuable in determining area that may be improved.
Sincerely,
Deborah Z
Customer Response Representative
Cc: [redacted] Data Quality Specialist, Revdex.com
Initial Business Response /* (1000, 5, 2015/12/22) */
December 22, 2015
Mr. [redacted]
[redacted]
Farmington Hills, MI 48334
Re: Revdex.com Case # [redacted]
CFPB Case #[redacted]
Dear Mr. [redacted],
We received the inquiries you submitted to the Revdex.com and...
to the Consumer Financial Protection Bureau and appreciate the opportunity to respond to your concerns.
You expressed concern regarding the Official Bank Check that was mailed to you upon the closure of your former TCF checking account.
A review of TCF records indicates that the Official Bank Check was mailed to the address listed on file for your account on November 4, 2015. The letter containing the check was returned back to TCF as being undeliverable. Enclosed you will find a new Official bank Check in the amount of $1506.52, which represents the closing balance of the account. We apologize for any inconvenience this situation may have caused you.
Mr. [redacted], we thank you for taking the time to inquire about your former account.
Sincerely,
Erik M.
Customer Response Representative
Cc: [redacted], Mediation Coordinator, Revdex.com
Consumer Response, Consumer Financial Protection Bureau
September 30, 2016 Ms. [redacted]Brooklyn Park, MN 55429-1060 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns. You express concern regarding overdraft fees that were assessed to your TCF Bank (“TCF”) checking account ending in [redacted]. We would like to take this opportunity to explain why the overdraft fees were incurred. The overdraft notice you received dated August 31, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $19.95. This is why your account incurred overdraft fees. In arriving at the available balance, we deduct outstanding debit card authorizations and check deposits that are not yet available for withdrawal. While 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 four overdraft fees on September 1, 2016 due to debit card transactions that arrived for payment. TCF records indicate that between September 1, 2016 and September 9, 2016 your account incurred $185 in overdraft fees. TCF reversed $74 on September 2, 2016. To further assist you, we have reversed the remaining $111 in fees. This transaction will appear as a credit on your next statement. Ms. [redacted], we hope this explains TCF’s policy more fully and thank you for taking the opportunity to communicate your concerns with us. Sincerely, Courtney L.Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
I am rejecting this response because:
The math doesn't add up if you are reducing my debt by $222 then the balance should be $79.00 not the original balance of $301.00 I'm afraid by agreeing to this would be agreeing to the same sort of trickery that was used when opening the account if you could send me an amended agreement with the correct amounts I'd gladly accept
February 2, 2017 [redacted] Chicago, IL 60644 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry that 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 account. Our records indicate that we responded to your previous concerns regarding overdraft fees and TCF’s processing procedures on December 12, 2016 and December 19, 2016. We have enclosed these responses for your review. Our records further indicate that TCF has assisted you in the past with courtesy fee reversals. The most recent was on January 25, 2017.While we sympathize with your situation, we are unable to reverse any more overdraft fees at this time. Ms. [redacted], we thank you for sharing your concerns with us and consider the matter closed. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Ms.
[redacted]
[redacted]
Country
Club Hills, IL 60478-5628
Re: Revdex.com Case # [redacted]
Dear Ms.
[redacted],
We
received the inquiry you submitted to the Revdex.com and...
appreciate
the opportunity to respond to your concerns.
You
express concern regarding an overdraft fee that was assessed to your TCF Bank account.
We would like to take this opportunity to explain why the overdraft fee was
incurred in this instance.
TCF
records indicate that on June 30, 2016, an automated deposit from Fidelity was
processed to your account. If your balance is insufficient for transactions
that post during nightly processing, overdraft fees will be applied to your
account the next business day. The fee that you incurred on June 30 was because
of a transaction that was processed on June 29. We are sorry for any
misunderstanding there may have been regarding this practice.
Between
June 30, 2016 and July 6, 2016, your account incurred $111 in overdraft fees. To
assist you, we have reversed $56 of these fees. This transaction will appear as
a credit on your next statement.
Please
note that your current overdraft elections authorize TCF to pay overdrafts on
your ATM, everyday debit card, check, ACH, and electronic transfer
transactions. Changing your election(s) may help you avoid future overdraft
fees. If you would like to change your overdraft election(s), please visit your
local TCF branch location or contact TCF’s Customer Service line at
1-800-TCF-BANK (###-###-####).
To further
assist you, we have also enclosed a copy of our brochure “What You Need to Know
About Bank Service Charges and Overdraft Fees” for your review. This is a great
resource to assist customers with avoiding or reducing overdraft fees in the
future.
I am rejecting this response because: Your information for why TCF froze my account is an out right lie Courtney L. I have opened IRAs , business accounts, savings accounts, and done banking in person for over 20 years with TCF. In those 20 years, I have had to present my drivers license which contained my street address to conduct the afore mentioned activities too many times to count. I was informed by a branch manager that TCF froze my account because TCF did not have my street address, and TCF had only my PO Box. The information was obtained from your branch manager who could reach no individual by phone the day I was there, he had to attempt to make contact by email. I was kept waiting 50 minutes, while he tried to obtain an answer as to why my account had been froze. I could not get my money out of TCF so that I could close my personal account for 50 minutes! Now that is a serious situation, and one that TCF should not take lightly! There seems to be incompetence in the lack of cross referencing of accounts, because if anyone competent had spent a moment to do so, my street address would have been apparent. TCF had this information, you had the documentation and TCF had no right to freeze the account.TCF has yet a bigger problem, as TCF closed my joint business account with out authorization, ( I closed only my personal account and as you said Courtney L. TCF now had my information) therefore my business partner will be calling TCF again Tuesday. Today a TCF employee told her that she was not entitled to know why the business account had been closed. TCF canceled online bills already entered to be paid by her on the first of the month. Mortgages will be late, etc. all information, statements, etc. has been erased from our joint online business banking account. Expect a call from her Courtney L., she intends to file a a complaint with the B.B.B. as well.The Attorney General also needs to look into thing further, as I understand that this happened to an elderly couple. So we are not alone in how TCF is conducting business.TCF needs to stop such business practices, it is unfair to the consumer. TCF freezes the accounts and wrongfully withholds consumers money.
I am rejecting this response because: This is a new issue that has arrived and the matter is still happening. This matter needs to be looked into because this is unacceptable that am occurring overdraft charges for money that was in my account.
...⇄ July 14, 2017 [redacted] Matteson, IL 60443 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. TCF records indicate that a check in the amount of $75 was deposited into your account on November 24, 2015. The check was returned to TCF as unpaid and debited from your account on November 27, 2015. Due to this activity, TCF closed your account and reported it to ChexSystems. Due to the circumstances, we have requested that your record at ChexSystems for this account be removed. Please allow 7-10 business days for this record to be updated. Ms. [redacted], we hope this clarifies the status of your former account. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Ms. [redacted] Grand Forks, ND 58201 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns. ...
You express concern about recovering deposits that were made into your closed account ending in [redacted]. A review of our records indicates that your account was closed on December 27, 2016. Since that date, numerous automated deposits have been made into the account. TCF may receive funds or other credit transactions intended for your account after your account is closed. This service is performed as a courtesy to our customers in the event recurring direct deposits are not discontinued. We apologize for any misunderstanding there may have been regarding this matter. We understand that it may not be convenient for you to visit a branch location to withdraw those deposits. To assist you, we have enclosed an Official Bank Check for the balance of $942.70 and verified that the account remains closed. We recommend contacting the party responsible for the deposits to make alternate arrangements. Ms. [redacted], thank you for taking the time to bring your concern to our attention. Sincerely, Erik M. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Mr. [redacted] Minneapolis, MN 55405 Re: Revdex.com Case # [redacted] OCC Case # [redacted] Dear Mr. [redacted], We received the...
inquiries you submitted to the Revdex.com and Office of the Comptroller of the Currency. We appreciate the opportunity to respond to your concerns. TCF Bank is currently reviewing your account and the concerns that you reference. We will respond to you as soon as we have completed our review. Mr. [redacted], thank you for taking the time to bring your concern to our attention. Sincerely, Erik M. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com Customer Assistance, Office of the Comptroller of the Currency
April 5, 2018 [redacted] Waukegan, IL 60085-0808 Re: Revdex.com Case # [redacted] Dear Ms. [redacted]: We received the inquiry you submitted to the Revdex.com and appreciate the...
opportunity to respond to your concerns. You express concern regarding unauthorized activity on your account ending in [redacted]. We must inform you that you would need to file a dispute in order for TCF to research the activity in question. While we sympathize with your situation, TCF is unable to take further action on this matter until a dispute has been filed. You may clarify the activity in question by sending us a response in the enclosed postage paid envelope, by visiting your local TCF location or by calling TCF’s Customer Service Line at 612-TCF-BANK (###-###-####). Additionally, a review of our records indicate that you have successfully accessed your digital banking profile on March 31, 2018. If you require additional assistance, please contact our Customer Service Line. Ms. [redacted], we trust we have provided useful information so that we may further research your concerns. Sincerely, Travis C. Retail Correspondence Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Hi [redacted], I was almost positive that I had forwarded a final response for [redacted] but you must have not received it. Please see attachment and let me know if you need anything else. Thank you!
...⇄ March 23, 2018 [redacted] Woodbury, MN 55125 Dear Mr. [redacted]: Thank you for contacting us regarding your TCF experience. We appreciate the opportunity to address your concerns. You express concern regarding the status of your TCF Digital Bill Pay profile. Our records indicate that you used TCF’s Digital Bill Pay to initiate two electronic payments for $1,854.93 each to Well Fargo Home Mortgage. Our records further indicate that you contacted our Customer Service Line to place a stop payment when one of the payments was presented for payment on March 5, 2018. On March 6, 2018, the payment was returned unpaid due to the stop payment. Subsequently, the stop payment was removed on March 10, 2018. Additionally, we are pleased to see that Wells Fargo Home Mortgage received payment on March 2, 2018. We must inform you that when an electronic bill payment is returned unpaid for any reason, the corresponding bill payment profile and access are systematically blocked until the transaction in question is settled with our bill pay vendor and our Customer Service Line receives a request to reactivate your bill payment profile. Our records further indicate that we reactivated your bill payment profile on March 16, 2018 per your request when you contacted our Customer Service Line on March 15, 2018. We regret any inconvenience you may have experienced due to this process. Mr. [redacted], we thank you for taking the time to share your concerns with us. Sincerely, Travis C. Customer Response Representative
Initial Business Response /* (1000, 10, 2015/08/25) */
August 25, 2015
Ms. [redacted]
[redacted] N [redacted]
[redacted] XXXXX
Revdex.com Case # XXXXXXXX
Dear Ms. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns.
You express concern regarding on overdraft fee that was assessed to your account.
We would like to take this opportunity to explain why an overdraft fees was assessed in this instance. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations; in this case, the LEE NAILS CLARK, EVANSTON 2209 Howard and OFFICE MAX transactions.
The overdraft notice dated August 11, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$8.81. This is why your account was assessed an overdraft fee. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking, pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. While your $10.00 transfer was conducted before the pending fee appeared in online and mobile banking, the transfer was not conducted in time to avoid the fee.
TCF records indicate that on August 12, 2015 you incurred a $37.00 overdraft fee. To assist you with this situation, we have reversed this fee.
Ms. [redacted], thank you for taking the time to submit your inquiry.
Sincerely,
[redacted] M.
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
I am rejecting this response because: The business stated "Our records indicate that TCF has previously assisted you with $74 in fee reversals prior to our previous aforementioned response where we reversed an additional $518 as a courtesy."I do no understand what they are referring to. I was only charged $37 in overdraft fees, certainly no where near $518. These overdraft fees were also posted to my account in error. This $37 fee resulted from a trial deposit made by another bank that was under $1 that was made to allow external transfers to and from that bank. I had actually deposited $1,000 into the account when I opened the account. Due to a delay in your system, the trial deposit posted a day before my opening deposit of $1,000 posted. This was an error of TCF bank's, not my error. This was not a "courtesy."This was TCF bank correcting an error in their system and fulfilling the terms of our contract, as they had no right to charge me $37. Please explain to me the basis for your assertion that I wasto be charged either the $74 amount you quoted or the $518 amount you quoted.Furthermore, I do upset that you posted this on the Revdex.com website, and will be filing an additional complaint. This is my personal banking information, and you have no right to post this. This is alsocompletely unrelated to my request to receive the $100 bonus. Were you posting this to try and shame me? That is the only conclusion I can come up with. I am outraged by this response.
Initial Business Response /* (1000, 5, 2015/08/20) */
Mr. [redacted]
20 Palatine 444
Irvine, CA 92612
Revdex.com Case # XXXXXXXX
Dear Mr. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns.
You expressed...
concern regarding information you received from our TCF employees.
In regard to your question related to your overdraft election; review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization request.
We are sorry for any misunderstanding there may have been when you were making your elections. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. Further review indicates that on February 12, 2014 you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request.
Also please note, opting out of TCF's authorization of payment on your ATM and everyday check card purchases does not apply to recurring check card transactions, such as (Netflix) because those types of transactions involve an agreement between you and the merchant. TCF is unable to decline a payment once an agreement has been made.
You also express concern regarding the paper statement fee that became effective on January 15, 2015.
TCF's Deposit Account Services and Prices Schedule explains that there is no charge for monthly account statements received online. Review of your account indicates that you recently updated your account, so that going forward you will now receive statements online.
TCF records show that between February 2015 and April 2015 your account incurred $6.00 in paper statement fees. Our records also indicate that between June 30th and July 29, 2015 you incurred $74.00 in overdraft fees. While we view these fees as legitimate, to assist you we have reversed them. This transaction will appear as a credit on your next statement.
To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees.
In addition, TCF's records for the address on file do not match the address you provided to the Revdex.com. In order to verify your account information and update your address, please fill out the enclosed Customer Information Change Form and have your signature on the form notarized. We have enclosed a postage paid return envelope for your convenience.
Mr. [redacted], I trust that the information provided has explained TCF's policies and procedures more fully.
Sincerely,
Holly S.
[redacted] Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com
November 3, 2016 Mr. [redacted] [redacted] Minneapolis, MN 55409 Re: Revdex.com Case # [redacted] Dear Mr. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns. ...
We apologize if your experience when using our coin counting machine did not meet your expectations. It is our goal to provide services that are efficient, convenient and valuable, and it is disappointing to learn of any instance in which we have failed to deliver at the level our customers expect. TCF has a commitment to delivering a positive experience with each and every customer interaction. We appreciate your feedback as it assists us in determining areas that can be improved. Based on the information you provide, we are unable to locate a record of this transaction. In order that we may further research this matter, please provide the branch location, a copy of the coin counting receipt, and the account number to which the credit should be applied in the enclosed postage-paid envelope. Mr. [redacted], we thank you for bringing this matter to our attention and look forward to hearing from you. Sincerely, Courtney L. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
September
23, 2016
Ms. [redacted]
[redacted]
North
York, ON M2H 2N2
Re: Revdex.com Case # [redacted]
Dear Ms.
[redacted],
We
received the additional inquiry you submitted to the Revdex.com and
appreciate the opportunity to further respond to your concerns.
We
apologize for any misunderstanding you may have experienced regarding the
response that we provided to you on September 16, 2016. We are happy to clarify
that in order that we may withdraw the funds that are currently in your account
and send them to you in Canada, you will first need to submit a written request
to TCF and have your signature on the request notarized.
Ms. [redacted],
we thank you for your additional correspondence and look forward to assisting
you as soon as we receive this request.
Sincerely,
Courtney
L.
Customer
Response Representative
Cc: [redacted], Mediation Coordinator,
Revdex.com
Initial Business Response /* (1000, 10, 2015/09/18) */
September 18, 2015
Mr. [redacted] XXXXX
Revdex.com Cash # XXXXXXXX
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 the status of your account and a report made to a consumer reporting agency.
TCF records indicate that between May 12, 2015 and May 20, 2015 you incurred $370.00 in overdraft fees.
When your account remained overdrawn, TCF closed the account on July 10, 2010. The balance owing of $238.58 was sent to Millennium Credit Consultants (MCC) for collection, and the account was reported to ChexSystems for insufficient funds activity.
Due to the circumstances, we have directed MCC to stop collection activities and are waiving the remaining balance owed of $23.58. We have also requested that your record at ChexSystems for this account be removed.
Mr. [redacted], thank you for taking the time to bring your concern to our attention.
Sincerely,
Pamela **
Customer Response Representative
Cc: [redacted] Mediation Coordinator, Revdex.com
Initial Consumer Rebuttal /* (3000, 12, 2015/09/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On September 18,2015 I was still charged the amount of $23.58. And being I am away at college and I needed to open up another bank account so I can have money sent to me by my mother I had no choice but to pay this off. I do not understand if the remaining balance was waived I would still be charged this today. I feel that you have taken advantage of the situation and that you do not give your employees proper access or training to properly serve their customers. If the remaing balance was really waived why was I still charged or will you reimburse me what I just paid today?
Final Business Response /* (4000, 14, 2015/09/24) */
September 24, 2015
Mr. [redacted] XXXXX
Revdex.com Cash # XXXXXXXX
Dear Mr. [redacted],
We received your further correspondence regarding your account and have conducted an additional review of your account history.
Due to the circumstances and because you are a valued customer, we have credited your account XXXXXX3455 in the amount of $263.58, which represents the amount that was debited from your account to pay the owing balance.
To further assist you, we have transferred this amount into your newly opened account XXXXXX2719.
Mr. [redacted], thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence.
Sincerely,
[redacted]
Customer Response Representative
Cc: [redacted] Mediation Coordinator, Revdex.com
Initial Business Response /* (1000, 5, 2015/08/10) */
August 10, 2015
[redacted]
[redacted] N [redacted]
[redacted] XXXXX
Re: Revdex.com case #XXXXXXXX
Dear Ms. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to...
your concerns.
We apologize if the service you received during a recent experience with TCF did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you describe in your letter and will be addressing it appropriately.
You express concern regarding the availability of funds in your account. .
TCF general policy regarding the availability of funds from a check deposit is that the first $250.00 of checks deposited on a business day will be available funds on the day of deposit for cash withdrawal and card authorization purposes, otherwise the deposit will be available the second business day after the day of deposit (except for checks with next day availability, which are U.S. Treasury checks, checks drawn on TCF National Bank, Checks drawn by a state or local government used with a special deposit slip, Federal Reserve Bank checks.)The expedited release of the funds in a cash withdrawal at a branch is at the discretion of the Branch Manager. We regret any misunderstanding there may have been regarding this matter.
We are glad to see you were able to withdraw funds on July 31, 2015.
Ms. [redacted], we thank you for banking with TCF and communicating your concern. Your feedback is valuable in determining area that may be improved.
Sincerely,
Deborah Z
Customer Response Representative
Cc: [redacted] Data Quality Specialist, Revdex.com
Initial Business Response /* (1000, 5, 2015/12/22) */
December 22, 2015
Mr. [redacted]
[redacted]
Farmington Hills, MI 48334
Re: Revdex.com Case # [redacted]
CFPB Case #[redacted]
Dear Mr. [redacted],
We received the inquiries you submitted to the Revdex.com and...
to the Consumer Financial Protection Bureau and appreciate the opportunity to respond to your concerns.
You expressed concern regarding the Official Bank Check that was mailed to you upon the closure of your former TCF checking account.
A review of TCF records indicates that the Official Bank Check was mailed to the address listed on file for your account on November 4, 2015. The letter containing the check was returned back to TCF as being undeliverable. Enclosed you will find a new Official bank Check in the amount of $1506.52, which represents the closing balance of the account. We apologize for any inconvenience this situation may have caused you.
Mr. [redacted], we thank you for taking the time to inquire about your former account.
Sincerely,
Erik M.
Customer Response Representative
Cc: [redacted], Mediation Coordinator, Revdex.com
Consumer Response, Consumer Financial Protection Bureau
September 30, 2016 Ms. [redacted]Brooklyn Park, MN 55429-1060 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns. You express concern regarding overdraft fees that were assessed to your TCF Bank (“TCF”) checking account ending in [redacted]. We would like to take this opportunity to explain why the overdraft fees were incurred. The overdraft notice you received dated August 31, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $19.95. This is why your account incurred overdraft fees. In arriving at the available balance, we deduct outstanding debit card authorizations and check deposits that are not yet available for withdrawal. While 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 four overdraft fees on September 1, 2016 due to debit card transactions that arrived for payment. TCF records indicate that between September 1, 2016 and September 9, 2016 your account incurred $185 in overdraft fees. TCF reversed $74 on September 2, 2016. To further assist you, we have reversed the remaining $111 in fees. This transaction will appear as a credit on your next statement. Ms. [redacted], we hope this explains TCF’s policy more fully and thank you for taking the opportunity to communicate your concerns with us. Sincerely, Courtney L.Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
I am rejecting this response because:
The math doesn't add up if you are reducing my debt by $222 then the balance should be $79.00 not the original balance of $301.00 I'm afraid by agreeing to this would be agreeing to the same sort of trickery that was used when opening the account if you could send me an amended agreement with the correct amounts I'd gladly accept
February 2, 2017 [redacted] Chicago, IL 60644 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry that 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 account. Our records indicate that we responded to your previous concerns regarding overdraft fees and TCF’s processing procedures on December 12, 2016 and December 19, 2016. We have enclosed these responses for your review. Our records further indicate that TCF has assisted you in the past with courtesy fee reversals. The most recent was on January 25, 2017.While we sympathize with your situation, we are unable to reverse any more overdraft fees at this time. Ms. [redacted], we thank you for sharing your concerns with us and consider the matter closed. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
July 8,
2016
Ms.
[redacted]
[redacted]
Country
Club Hills, IL 60478-5628
Re: Revdex.com Case # [redacted]
Dear Ms.
[redacted],
We
received the inquiry you submitted to the Revdex.com and...
appreciate
the opportunity to respond to your concerns.
You
express concern regarding an overdraft fee that was assessed to your TCF Bank account.
We would like to take this opportunity to explain why the overdraft fee was
incurred in this instance.
TCF
records indicate that on June 30, 2016, an automated deposit from Fidelity was
processed to your account. If your balance is insufficient for transactions
that post during nightly processing, overdraft fees will be applied to your
account the next business day. The fee that you incurred on June 30 was because
of a transaction that was processed on June 29. We are sorry for any
misunderstanding there may have been regarding this practice.
Between
June 30, 2016 and July 6, 2016, your account incurred $111 in overdraft fees. To
assist you, we have reversed $56 of these fees. This transaction will appear as
a credit on your next statement.
Please
note that your current overdraft elections authorize TCF to pay overdrafts on
your ATM, everyday debit card, check, ACH, and electronic transfer
transactions. Changing your election(s) may help you avoid future overdraft
fees. If you would like to change your overdraft election(s), please visit your
local TCF branch location or contact TCF’s Customer Service line at
1-800-TCF-BANK (###-###-####).
To further
assist you, we have also enclosed a copy of our brochure “What You Need to Know
About Bank Service Charges and Overdraft Fees” for your review. This is a great
resource to assist customers with avoiding or reducing overdraft fees in the
future.
Sincerely,
Courtney
L.
Customer
Response Representative
Cc: [redacted], Mediation Coordinator,
Revdex.com
I am rejecting this response because: Your information for why TCF froze my account is an out right lie Courtney L. I have opened IRAs , business accounts, savings accounts, and done banking in person for over 20 years with TCF. In those 20 years, I have had to present my drivers license which contained my street address to conduct the afore mentioned activities too many times to count. I was informed by a branch manager that TCF froze my account because TCF did not have my street address, and TCF had only my PO Box. The information was obtained from your branch manager who could reach no individual by phone the day I was there, he had to attempt to make contact by email. I was kept waiting 50 minutes, while he tried to obtain an answer as to why my account had been froze. I could not get my money out of TCF so that I could close my personal account for 50 minutes! Now that is a serious situation, and one that TCF should not take lightly! There seems to be incompetence in the lack of cross referencing of accounts, because if anyone competent had spent a moment to do so, my street address would have been apparent. TCF had this information, you had the documentation and TCF had no right to freeze the account.TCF has yet a bigger problem, as TCF closed my joint business account with out authorization, ( I closed only my personal account and as you said Courtney L. TCF now had my information) therefore my business partner will be calling TCF again Tuesday. Today a TCF employee told her that she was not entitled to know why the business account had been closed. TCF canceled online bills already entered to be paid by her on the first of the month. Mortgages will be late, etc. all information, statements, etc. has been erased from our joint online business banking account. Expect a call from her Courtney L., she intends to file a a complaint with the B.B.B. as well.The Attorney General also needs to look into thing further, as I understand that this happened to an elderly couple. So we are not alone in how TCF is conducting business.TCF needs to stop such business practices, it is unfair to the consumer. TCF freezes the accounts and wrongfully withholds consumers money.
I am rejecting this response because: This is a new issue that has arrived and the matter is still happening. This matter needs to be looked into because this is unacceptable that am occurring overdraft charges for money that was in my account.
...
...⇄ July 14, 2017 [redacted] Matteson, IL 60443 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. TCF records indicate that a check in the amount of $75 was deposited into your account on November 24, 2015. The check was returned to TCF as unpaid and debited from your account on November 27, 2015. Due to this activity, TCF closed your account and reported it to ChexSystems. Due to the circumstances, we have requested that your record at ChexSystems for this account be removed. Please allow 7-10 business days for this record to be updated. Ms. [redacted], we hope this clarifies the status of your former account. Sincerely, Nash J. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Ms. [redacted] Grand Forks, ND 58201 Re: Revdex.com Case # [redacted] Dear Ms. [redacted], We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your concerns. ...
You express concern about recovering deposits that were made into your closed account ending in [redacted]. A review of our records indicates that your account was closed on December 27, 2016. Since that date, numerous automated deposits have been made into the account. TCF may receive funds or other credit transactions intended for your account after your account is closed. This service is performed as a courtesy to our customers in the event recurring direct deposits are not discontinued. We apologize for any misunderstanding there may have been regarding this matter. We understand that it may not be convenient for you to visit a branch location to withdraw those deposits. To assist you, we have enclosed an Official Bank Check for the balance of $942.70 and verified that the account remains closed. We recommend contacting the party responsible for the deposits to make alternate arrangements. Ms. [redacted], thank you for taking the time to bring your concern to our attention. Sincerely, Erik M. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Mr. [redacted] Minneapolis, MN 55405 Re: Revdex.com Case # [redacted] OCC Case # [redacted] Dear Mr. [redacted], We received the...
inquiries you submitted to the Revdex.com and Office of the Comptroller of the Currency. We appreciate the opportunity to respond to your concerns. TCF Bank is currently reviewing your account and the concerns that you reference. We will respond to you as soon as we have completed our review. Mr. [redacted], thank you for taking the time to bring your concern to our attention. Sincerely, Erik M. Customer Response Representative Cc: [redacted], Mediation Coordinator, Revdex.com Customer Assistance, Office of the Comptroller of the Currency
April 5, 2018 [redacted] Waukegan, IL 60085-0808 Re: Revdex.com Case # [redacted] Dear Ms. [redacted]: We received the inquiry you submitted to the Revdex.com and appreciate the...
opportunity to respond to your concerns. You express concern regarding unauthorized activity on your account ending in [redacted]. We must inform you that you would need to file a dispute in order for TCF to research the activity in question. While we sympathize with your situation, TCF is unable to take further action on this matter until a dispute has been filed. You may clarify the activity in question by sending us a response in the enclosed postage paid envelope, by visiting your local TCF location or by calling TCF’s Customer Service Line at 612-TCF-BANK (###-###-####). Additionally, a review of our records indicate that you have successfully accessed your digital banking profile on March 31, 2018. If you require additional assistance, please contact our Customer Service Line. Ms. [redacted], we trust we have provided useful information so that we may further research your concerns. Sincerely, Travis C. Retail Correspondence Representative Cc: [redacted], Mediation Coordinator, Revdex.com
Hi [redacted], I was almost positive that I had forwarded a final response for [redacted] but you must have not received it. Please see attachment and let me know if you need anything else. Thank you!
...
...⇄ March 23, 2018 [redacted] Woodbury, MN 55125 Dear Mr. [redacted]: Thank you for contacting us regarding your TCF experience. We appreciate the opportunity to address your concerns. You express concern regarding the status of your TCF Digital Bill Pay profile. Our records indicate that you used TCF’s Digital Bill Pay to initiate two electronic payments for $1,854.93 each to Well Fargo Home Mortgage. Our records further indicate that you contacted our Customer Service Line to place a stop payment when one of the payments was presented for payment on March 5, 2018. On March 6, 2018, the payment was returned unpaid due to the stop payment. Subsequently, the stop payment was removed on March 10, 2018. Additionally, we are pleased to see that Wells Fargo Home Mortgage received payment on March 2, 2018. We must inform you that when an electronic bill payment is returned unpaid for any reason, the corresponding bill payment profile and access are systematically blocked until the transaction in question is settled with our bill pay vendor and our Customer Service Line receives a request to reactivate your bill payment profile. Our records further indicate that we reactivated your bill payment profile on March 16, 2018 per your request when you contacted our Customer Service Line on March 15, 2018. We regret any inconvenience you may have experienced due to this process. Mr. [redacted], we thank you for taking the time to share your concerns with us. Sincerely, Travis C. Customer Response Representative
Initial Business Response /* (1000, 10, 2015/08/25) */
August 25, 2015
Ms. [redacted]
[redacted] N [redacted]
[redacted] XXXXX
Revdex.com Case # XXXXXXXX
Dear Ms. [redacted],
We received the inquiry you submitted to the Revdex.com and appreciate the opportunity to respond to your...
concerns.
You express concern regarding on overdraft fee that was assessed to your account.
We would like to take this opportunity to explain why an overdraft fees was assessed in this instance. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations; in this case, the LEE NAILS CLARK, EVANSTON 2209 Howard and OFFICE MAX transactions.
The overdraft notice dated August 11, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$8.81. This is why your account was assessed an overdraft fee. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking, pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. While your $10.00 transfer was conducted before the pending fee appeared in online and mobile banking, the transfer was not conducted in time to avoid the fee.
TCF records indicate that on August 12, 2015 you incurred a $37.00 overdraft fee. To assist you with this situation, we have reversed this fee.
Ms. [redacted], thank you for taking the time to submit your inquiry.
Sincerely,
[redacted] M.
Customer Response Representative
Cc: Taylor Keate, Mediation Coordinator, Revdex.com