TCF Bank

I have been a customer of TCF Bank for about 5 years. I am a college student and live on a very tight budget. I over-drafted my account about $20, realized that I had and immediately stopped using my debit card. I expected to return when I got paid about a week and a half later and pay my balance and a thirty dollar overdraft fee. When I checked my balance on my way to pay off my account I was -$400! I went in and spoke with the branch manager and she removed $80 in fees, leaving me with a huge negative balance still! I recently switched jobs and had not set up my direct deposit yet, so thank god they did not have the chance to steal my money. I was told that my balance will now go to collections and since I have a very tight budget my credit was already not very good to begin with.

I am very disappointed with the recent account charges being applied by TCF and their approach to communicating the changes. I have read through a few of the complaints that have been filed here and mine is consistent with those referencing TCF's new policy to charge $9.95 per month if usage of their debit card service, ATM withdrawals and other services do not total 15 transaction per month.

I have just got off the phone with a TCF representative and have heard their corporate explanation of how the changes were communicated and the explanation of how I "opted" to move to the TCF Premier 50+ checking. Without going into detail, there was no "opting" here. I have been a customer of TCF for over 10 years and keep an average monthly checking balance of at least $5,000 per month. In 2011, keeping that balance during the course of the year netted $0.91 in interest from TCF. If those of you who plan to stay with TCF and can keep a balance above $2,500 per month, they have an account that has no service fees and they will reverse the $9.95 January charge.

As for me, as soon as all checks have cleared, I will be looking for another bank. Hopefully, still Minnesota owned that has not fallen into the Wells, US Bank, etc. and communicates any changes up front and clearly to their customers.

My son has a student account. When he uses his ATM card if he has not enough money in his account, they are not supposed to let him use it. Apparently when he changed his account form student/parent to college account, they did not ask him to reinstate this option. He assumed all options were the same except it was free account since he was a U of M student.

Needless to say he became a victim of the $28 a day fee for a $5 over on a 2.75 cent bottle of pop. He was not notified via mail until it was past 14 days and he hit $200+ in fees. If you do the math they made $200 on his $5! How can they get away with this? They send out a small disclosure that no one reads. It's criminal if you ask me. I am closing my account tomorrow. My son can't close is as he owes them $392 after 14 days (money we don't have). TCF is going to lose more than customers.

TCF bank has recently instituted a $28 per day fee, which includes the day you deposit money to counteract the fee if not made, in cash, prior to 1pm. I have been a TCF Bank customer since 1996 and since that time, have had a once a month transfer of $20, from checking into savings. If I do not have the money in checking on the day of the transfer, the transfer did not take place or, if the amount was close to the $20, TCF would transfer the amount and withdraw what they covered from the next deposit.

Since my deposit history is consistent, they would either transfer or wouldn't transfer, depending on the amount in checking. Either way, the fee was waived because it was an automatic in-house transfer. Since instituting this daily fee, they will make the transfer, regardless of available funds and charge the daily fee. I simply forgot about the transfer this month and it cost me over $80 because I did not have the full amount to transfer. When I questioned the teller, he said he was sorry about it, but that was the new policy.

The problem with this daily fee, is that it is discriminatory toward low-income and impoverished people which TCF seems to prey on, because only those who struggle daily with the cost of living are going to be the percentage of overdraft customers. It is also predatory, because TCF offers money to people to start an account and it is primarily the working poor who are going to fall into that incentive. Only if you are high income, should you have an account with TCF and even with that, watch your funds closely.

I don't understand how a high daily fee, even on non-purchase transfers, can be legal, especially given the fact that it affects only the lowest incomes. Such sleight-of-hand tactics could potentially cause ruin to the financially overwhelmed.

I had an account with them for years--a "free" account. This month I opened my statement to find they initiated a maintenance fee of $9.95. I called to complain and was advised they communicated this new fee in flyers included in my statements in previous months! Flyers? Who reads that advertising stuff? This was done underhandedly; a visit to their Facebook page tells me they have angered many customers or should I say former customers. The lost business this generated is punishment enough for these guys who decided to give themselves a license to steal. I put in a transfer to close out my account.

I recently railed against TCF Bank. A large part of my complaining was about the money they were taking from me. That part of my complaint is withdrawn because they responded to the vitriolic letter I sent them and included a check to return my money. While I still say they were impersonal in handling the matter, and the duress caused can't be erased, they had the decency to return my money.

They keep charging after putting my account in the positive twice, took some of my rent and son's birthday money and child support, once for 65 cents! I couldn't find my debit card one day so I wrote a check for groceries and it put my account over $5.66, $0.65 over their limit. They began charging me, taking a big chunk out of my rent money, and even when I brought my account to a positive balance, they threw one more charge on there stating it was because my cash deposit didn't post until that day.

This fee put me in the negative again when my insurance came out of my account and I didn't realize it until it was too late. I made a $210 deposit to bring my account back into the positive (money that as a mother of three was very difficult to part with for going 30 some dollars in the hole because of their 28 dollar fee) and then later that day, they put another 28 dollar charge through which put me in the negative again. I was told that I will be charged 28 dollars a day for the weekend and the holiday because of that 28 dollar fee. They are charging me fees for their fees!

I opened a TCF account and had trouble immediately. I would deposit checks that would show as deposited and then when I use my debit card, I get overdrafted. I called TCF and they would say "I see where it showed as a deposit but that doesn't mean its a cleared deposit". Then I asked how I should know when it clears, she told me I could ask my teller otherwise assume 3 days. So then I ask the teller and she says it will be available tomorrow, but guess what overdraft again. I called and they did reverse that one.

Then I deposit a check and count 3 days (of course, online shows it deposited the whole time). This time I am overdrafted because it was at 4:00 and I thought it was before 5. So my counting didn't work and I was overdrafted again. I decide I am going to close my account, but I am going out of town for 10 days and figured I will do it when I get back.

In the mean time TCF changed their overdraft policy. I check my email and find out that my account had been overdrafted by $14 and with their new overdraft fees I owe something like $300. I called TCF to work this out and they say they would take 50 off of it. I am pissed and tell them I would pay the equivalent of an overdraft fee per the old system. Nope, they wont do it.

I was ignorant about post dated checks and TCF pounced when I made my self vulnerable. I received my first overdraft notice in eight years of banking with TCF. A visit to a branch to make appeal changed nothing. My misconception about post dated checks put my account in the negative and TCF started tacking on a 28 dollar fee per day which I could not stop as I live on Social Security retirement checks that are (were) directed deposited on the first of each month.

TCF is cold and impersonal. I closed my account as soon as I could, but that was after they grabbed well over two hundred dollars of my monthly income of 985 dollars. As a consequence, I will tell everyone I can about my experience with TCF (TrustingCustomersFlouted?), hoping others can avoid being mistreated as I was.

I would close my account if I could ever have a positive balance long enough to do so. Ever since they started the $28 a day overdraft fee my account has been perpetually over drafted. I retain a positive balance just long enough to pay some of my bills on the due date or late. I will be switching banks as soon as possible.

Last month's statement from TCF included two penalty charges, one for $1.95 and one for $9.95. No big deal, right? But the point of having that account was because it was supposed to be a fee-less account. I called and asked what the charges were about and was told that a new policy (which apparently they mailed me--but who reads that stuff?) was put into place that says that if my account does not have at least 15 transactions (ATM transactions do not count) in a given month, the fee applies. Okay, brilliant. If I don't use human TCF employees often enough, I get penalized for opting for the computer. Brilliant (again). Has anybody else run into this? I ask because I have an idea that would make a point but it would be a point better made if more people than just me do it. Let's occupy TCF. Let the bank groupies eviscerate me now.

Like other TCF mortgage borrowers, I too have attempted modify my loan when the cost of living increased. My wages became garnished. My professional license was dependent on repayment of my student loan. My work hours have been reduced and my "vacation" bank have been spent, not to mention collection agencies for medical bills have piled up. Like a "Mike" in Woodridge, I have sadly gone through the loan mod process three times within the past two years, have had constant harassing phone calls from TCF loans, loan shark henchmen at my door step stalking my house and now I am being foreclosed. I am exhausted and depleted. I am done. If there were money to be had, I would be paying the *** mortgage. Stop being so nasty as you collect your money!

Take my house. Take the roof over my small kids' heads. Take my dignity. Just roll us into the dumpster across the street in the alley. Seriously, TCF & its employees, contractors and henchmen are one paycheck and one heart attack away from living in that dumpster in the alley.

How in the world do you go 4, 5, 6 days, even weeks, without looking at your bank account? Did you know that you can have the bank notify you the next morning, after you overdraft, so you only pay one $28 fee? Whose fault is it for not balancing your checkbook? It looks like a long list of people's mistakes that they blame the bank for. Take some ownership. Educate yourself, and utilize the tools out there to limit these situations.

Last fall, while school shopping for our kids, we had our Visa Check Card declined. When I called TCF, I was told that if you use your card 15 times in one day, they shut off your card. Fast forward to Christmas Eve, my wife and I headed out for some last minute shopping. Neither of us used our card more than 15 times, but at around 6:00 pm my wife's card is declined. I called in on December 27 and was told that your card is shut off if a card is used more than 15 times per account, not per card. We have a large family, and during these times of years, we may use our cards quite a bit. This is an unacceptable limitation. Got to switch banks. I called TCF and no one can explain why this rule exists, just that it does.

TCF froze my account for months with no explanation. TCF did send a request that I fill out a form providing information on projected income and expenses for the next year saying they need the information to better serve my banking needs. Since the information was none of their business, I did not fill out the form. They froze $1000's in my account and insisted they would retain my money until I fill out their form. Nothing in the law requires me to tell TCF my projected spending habits! In essence, TCF stole my money for months without as much as an apology or explanation. TCF did return my money after I filled out their form but objected when I indicated next year's deposits would be zero. Our bankers have become the new bank robbers.

I received a letter from TCF, regarding changes in their policies in October, regarding overdrafts and being "opted in" to policies I had "opted out of" when I opened the account, or I thought I had. I had scheduled some online payments, and when they hit the account, TCF paid the requested drafts by the creditors, instead of refusing to pay the drafts, as I had thought I was set up for. Of course, they dutifully paid the presented bill, and began charging $28 a day in late fees. I got money in the bank to cover one of the payments, when another one hit.

I talked with a local representative ( weekend manager) who stated that my account was set up to pay bills when presented by an online authorization, but had it been my debit card, it would not have happened. I pay my online bills by using that debit card. Sum of the conversation was that, they would not forgive the fees on the overdrafts or even consider splitting the difference on the existing balance on the late fees ( since I had paid part), and that they would continue to charge late fees on late fees, unless I paid them the late fees. Once the second request for payment came in, I took money to the account to cover that bill. Because I have a late fee balance, they happily have sent me alerts, and even a letter claiming that they will "close the account", since I have not cleared the balance "due to them". They have yet to close the account, as I would assume their computer has a switch indicating when enough is enough to go after me for, before they close the account.

I can't close it, as I certainly can't pay everything they have racked up, saying is due to them, and on principle alone feel their usurious policies are not even rational at best. And of course I have to pay, before I can close the account. What kind of reason and brainwashing does corporate policy do to its employees, to even think that because their change in policy can do this to people, that it is right? I have continuing late fees, and no response yet to a letter sent to "corporate" in Minnesota, and I am sure they will send a collection agency after me, after their computer and policy racks up enough fees.

I, like millions of other Americans, lost my job in March and I have hung on as long as I could making my mortgage payments. I can no longer make the payments and it is very humbling and deflating to say the least. The TCF collections people call me everyday even though I let them know nothing has changed. Once a week, another guy calls from the loan department of my local branch, so does the collections supervisor. Now they have some goon coming to my house every week. Why?

It is like some Chicago loan shark outfit coming for their juice money or something. It is very humiliating, very unnecessary, and very maddening. Of course I want to keep my house, and I would make a payment if I were able. Has anyone had this experience? I am going to make some calls to get this to stop if possible. I cannot be the only one this is happening to, and I did not know the bank would send someone to my house. For what, to collect a payment in cash or something? Unbelievable!

My mother received a notice in the mail saying that I have an overdraft at TCF Bank. I don't have an account at TCF Bank; never have and never will.

I went to the branch and sure enough someone opened up an account with my name and old address. The teller asked me if I am sure that I did not open an account. I say, of course, I am sure and why would I open an account at TCF. I came to find out that someone went online and opened an account under my name and address and an incorrect social security number. I asked the young lady, if they don't contact the person to verify the online account opening. Anyone can just open an account in your name online with verification! She said that she did not know. I told her that it did not seem odd that a person open an account online and overdraw it the next day!

This is ludicrous and unacceptable! I have worked at a bank for eleven years and know the proper procedures! We do not allow an account to be open online until proper verification is done. Now, I have to go back to branch and present my social security card in order for this fraudulent account to be closed. I made sure that everyone on jewel osco knew that TCF is not a very secure bank and they all need to be shut down! There is no security procedures whatsoever.

My boss sent me a check drawn from TCF Bank for $25.00. It was intended for me to use as bus fare to get to work. I went to TCF Bank to cash it and they charged me a service fee of $7.00. This is theft! The check was not made out to both me and TCF Bank. It was made out to only me. They are not performing a service for me. They are performing a service for their customer who wrote the check. They have the ability to check and make sure the funds are available. They should honor the check and not be able to steal a portion of it from me. That $7.00 is enough for me to ride the bus back and forth one day to work. And it is also more than half of one hour's pay for me. I want people to protest these fees and charges.

I closed my account with TCF. They reopened my account when an automated deposit was sent to the closed account, without my approval, instead of rejecting the deposit. I went in and closed the account for a second time and it happened again. Meanwhile, they charged me a monthly maintenance fee on an account that I closed twice. When I went into the branch to complain, the manager Janeer argued and raised his voice at me and told me it was my problem and that the bank doesn't have to reject a transaction on a closed account. While I was in their branch, they gave another customer my account information! I would strongly advise everyone to change to a credit union. I did and they have treated me with respect and appreciated my business. TCF should change its policy and reject transaction on closed bank accounts! Also they should reimburse me all fees that they charged me after the first time I closed my account!

Don't overdraft your accounts! Pay attention to you balance like every other competent person in this country. All banks charge overdrafts. Quit blaming the bank for your stupidity and take some responsibility.

I found it appalling that if I used TCF, it would charge me $3 in order to withdraw money from their ATM. They also would not change a $20 bill into 2 $10 bills. They say it is their policy not to change notes unless one has an account with them. That is a great policy for TCF, but from this point forward I will not shop at Pick n Save, which houses the TCF branch and I will advise all of my friends of my experience with TCF.

So over the holiday weekend (Thanksgiving), my checking account went negative by $12.00. I didn't realize this until returning home the following week and then found out my account was negative to $289.00 and I was being charged 28 dollars a day. I called and was told they could only credit two. I have been a customer for 10 years and never received a notice on this new fee per day. Needless to say I am closing my account!

My 20-year-old brother, in school, had a checking account and he stopped using TCF because there is no TCF in Winona near his campus so the bank started charging him a fee 28 dollars a day for a negative account balance to a tune of $198. The account was low on money, but the reason the account was negative was a bank fee.

Just for this, I am canceling my checking account and sending my salary to a different bank. I hate that it is called Twin Cities Bank because I love the twin cities and this horrible organization doesn't deserve to share the name. All these stories that I have read absolutely angers me.

We have not been late with our mortgage, however, with the slow work, we are definitely struggling and all our other bills including taxes are late and past due. I have contacted TCF Bank on numerous occasions to ask for a restructuring or modification since President Obama has put some other options in place. I faxed all of our paperwork and got a specific person to work with on three separate occasions. Not one of them has returned my call or worked with me when I got them on the phone. Let's face it, we need somewhere to live but this is not fair.

They get government opportunities that will not dare pass onto their customers. It appears that since we are not late with our mortgage, my request has went unanswered. Since our income is lowered and we are underwater on our equity, we are not able to refinance, so we are totally out of luck at every turn. Do not take out a mortgage at TCF Bank, you will be sorry.

We moved to a new area, opened a checking account that the man said would decline payment if we went over. It did not! Within a month of calling, trying to access online management and going into the bank itself, we never found out that they were taking $28 everyday. Even when the ATM receipt said money available, it wasn't and we got charged again! They were rude and stole at least $1000 from us! My lights, phone and holidays are all being cut out!

Overdraft fees changed yet again!! It was $25 per day since March 2011 and now since mid October, changed back to per item and processing highest first then lowest. I had a check come out evening of 11/16 and left my account $59 overdrawn, I had my husband deposit money for me morning of 11/17 to find out they charged me the daily fee of $28 and then another fee for the item $35. This is insane!! How can we start a suit against this yet again rip off bank? I have been charged numerous times in the past, however what really burns me is their lack of communication when changing their policies! I have opted out of the overdraft coverage because I know it is just another way to rack up more fees against and rip me off. However they change their policy every 3-4 months without notification and do not even give you enough time to get the money in the bank. These banks are becoming trillionaires off us everyday average working people that are just trying to feed and clothe our family!

Re: 4 days of ISF fees, even though cash deposit made to teller. My account went insufficient on a Friday. I found out on Saturday, so I rushed before its 2pm to make a cash deposit directly to the bank teller, so this way I do not have to pay an ISF for Saturday (that would be usual operation in other banks). Instead, the cash payment made to the teller did not post until Monday, at which time I was charged 4 days of ISF fees, for Friday, Saturday, Sunday, and Monday. I am being charged a fee for the days that the bank is closed during which time they had my money? So they do not process the deposit, yet they process the ISF continuously? That sounds like a catch 22 scandalist scam trap.

I hate TCF (the customer first, my ***). I called the bank in attempt to reverse the fees, aside from that of the first day. The lady only accepted to remove one of the four fees, as standard courtesy (meaning regardless of the situation). I will be extra vigilant until I receive the 100$ opening bonus, not accumulating any fees and then close my account. In the mean time, I have done some shopping around. Citi is reasonable in this regard. Better yet, is Ally banking online? They do not have a physical branch to which a customer can go, but for most people, this would not be a problem. There is no minimum balance or minimum transactions needed per month. ISF fee is $12.50 per day (much more reasonable! ).

I had deposited a $214.60 check from work and didn't realize it was non-negotiable, TCF didn't do their job in checking if it was a valid check till I had used the money in the account and then they called me to tell me that the check was not valid. I then managed to get TFC to put a hold on my account till I could get my account in the positive with a valid check from work and this happened on a Tuesday 2 days after I got the call.

I then told the lady at TCF I would be in on Friday to deposit the rest, $25.60, the overdraft fees were not stopped and I deposited my paycheck of $240 on Friday but was charged for Tuesday-Friday for overdraft fees.

I checked my account balance. It was not showing correctly. It showed for the last year that my balance over drawn by at least 700 dollars. I checked the transactions at the opening of my account online; it states that when I opened my account, it was negative literally, after my opening deposit. This is something I was not aware of. Why has this been adjusted after a year has passed. My statements do not show the same information. What the hell is wrong with this bank?

My daughter bounced 1 check, by the time of her next paycheck. She'd have been $400.00 overdrawn! Her next paycheck would have been $500. She had her car payment coming out. The cycle would have just started over! This is a rip-off! Do you know who they are taking advantage of? It's the college students and the minimum wage workers! How is this legal? I paid her overdrafts, and we are closing the account tomorrow.

I am filing a complaint on behalf of William **, a customer of TCF Bank; I am his Attorney-in-Fact. Mr. ** who is currently incarcerated noticed an unauthorized transaction in the amount of $1935.00 from his checking account on 9-24-11 when he received his bank account statement. He immediately contacted TCF bank who verified the transaction.

His ex-girlfriend who was the AIF of record and was removed on June 2, 2011 accessed his account online and transferred money into her Wells Fargo account. Mr. ** asked to file a fraudulent claim with the bank since there was no way he could have authorized the transaction. He also requested to have his account number changed and a restriction placed on his account so that no withdrawals or transactions could happen aside from deposits.

After speaking with 3 phone representatives the last rep told him to send in a notarized letter stating the details of his claim. On 9-30-11 Mr. ** mailed TCF bank a letter. Two weeks later he and I followed up with TCF for the status of his claim letter; a TCF representative stated there was nothing in file indicating TCF received the letter.

I have a copy of the letter Mr. ** sent and said that I would physically take a copy of the letter into the bank on 10-11-11. I met with Sean in the 801 Marquette office who said the account wasn't noted or restricted as stated by the phone rep but he did see the check. He said that Mr. ** would need to complete a forgery claim report, have it notarized and mail it to the fraud and forgery department.

I mailed 2 copies of the form to Mr. ** and he had them notarized. I told him to keep the form and mail me one of the originals along with an original notarized Power of Attorney document naming me as AIF so that I can handle this matter for him. I mailed the forms to TCF myself and we didn't hear anything from TCF Bank.

On 11-7-11, I physically went into TCF bank and met with Sean again. I provided him with copies of all of the documentation; he verified that the account was not noted and was now closed. He said that another check went through on 10-17-11 in the amount of $2632.50 which emptied and closed the account.

Sean really didn't know what to do at this point and discussed the matter with his co-worker, Assistant Branch Manager Janine **, who was extremely helpful. After about an hour or so of meeting with Jeanine she was able to contact her back office who said that we needed to complete a Regulation E/Electronic Transactions form.

She started the process and stated that Mr. **'s account would be re-credited and that the perpetrator wouldn't be able to access his account online anymore because the account is closed. I am suppose to check back with TCF in 10 business days. TCF never noted the account and allowed Mr. **'s account to be cleaned out.

We had to go through several tellers in order to finally (well hopefully) get some sort of resolution to this matter. I found everyone aside from Janine to be quite incompetent and really didn't seem to care about the customer at all, which was evident in the way his account was handled. Most of the associates on the phone wouldn't give me their names, teller numbers or their supervisors' name.

They said that we're not on a recorded line and therefore couldn't provide me with a confirmation or a reference number. I found them to be rude and very unprofessional. After this matter is resolved Mr. ** will be withdrawing his funds and banking elsewhere.

In June of 2000, we sold our home at ** Summit, IL. We deposited the proceeds from the sale into our TCF account to the tune of $93,000 by means of a certified check from the title company. Well, on November 10, 2011 we were closing on our new home, we went TCF and tried to withdraw our money to pay for our new home and they tell me the funds still have not cleared. I was flabbergasted and outraged. We called our attorney who was waiting for us at our closing, he spoke to them at the bank and 2 hours later, they gave us our money.

We stayed banking with them and for years had no problems with them, then all of a sudden on October 28, 2011, we overdrew our account at $161.00. I received a letter that our account is overdrawn and they charged my account $28.00 per day from the 24th of October to the 28th, and now it's overdrawn to the tune of $278.00. I spoke to a supervisor, they reversed 3 fees back. Well, we live 120 miles away from any TCF branch and had no way of depositing more money into that account since this is a secondary account we have and use this for a direct deposit of my husband's pension that was due to hit the bank on the first of November. I called and talked to them.

They said they changed their policy on October 4, 2011 and a letter was sent out in my statement. Well, I have not received a statement from them for 4 years. They discontinued this on their own, and I questioned that they said I had online banking and would access my statements that way. Well, still no letter informing me of this until I complained. Then the letter was sent in the mail stating this. Well, today, November 4 2011, I go online to check my account and there are $5 - $28.00 daily overdraft fees.

Now they have seriously hurt me. They have taken more out. I called again; they would only reverse 1 fee. I am disgusted and first thing tomorrow morning, I am closing this money making account for TCF. I am done. This has got to be illegal. Someone please help all the citizens from these banking crooks. I will be writing the congressmen, the president, the senators and our governor. This is totally ridiculous. They need to be stopped! I am in debt to them for $298.00, which hurts my husband is laid off and we are short with money to pay for our monthly bills.

TCF bank are crooks! If you are banking with them and you are keen with your money, just go to another bank! I have been charged an overdraft fee of $26 a day! The online account balance is never the same as the phone application account balance. It is a scam. I have tried to close the account but they refused. How is this possible? My balance is -$450.00. If you fall below the required minimum balance, do they close it? This is really horrible stuff.

TCF Bank has ripped me off with this $28.00 a day charge to my bank account. This has left me very upset. When I checked my account balance and I noticed that on Friday, my account was in the negative status however, it's now Monday and I made a deposit before the end of business day, only to be charged $28 for Friday, Saturday, and Sunday. When the deposit was made, I asked for a balance. It was printed on my receipt-- a positive balance, all to no avail.

When I checked my account, I was accessed another $28 daily fee for Monday because the deposit was made after 2pm. Now, this vicious cycle has repeated itself again with a charge of their daily fee of $28 on Tuesday. This is my secondary account and as soon as my direct deposits and credits are applied, I will be closing this money-making account for TCF Bank.

TCF is a greedy bank with rich CEOs. They charged my disabled daughter $400 for one overdraft of $15. Then, when her and her son's disability checks electronically came in, they stole that to pay for her overdraft fees. That bank deserves to be sued over and over again. I already signed a petition against them. Now, we have the hassle of getting that money back. Say no to TCF!

TCF Bank needs to be stopped! They are charging me $28.00 per day for overdraft fees. This is disgusting usury and in this poor economy to boot. They are burying their customers and outright disrespecting us. I was on a hunting vacation away from internet for almost two weeks and when I came back they have over $200.00 in daily overdraft fees racked up on my account. I have called them and they said they would reverse $70.00 of the fees and that I was notified on my last billing cycle (October 4th).

If I have seen this I would have dropped them right away. This is utterly disgusting and ugly business. I will be filing a Better Business Bureau complaint and dropping them ASAP. There is no place for this type of business and customer abuse. I have three accounts with Chase and if they follow suit with this type of fee schedule, I will drop them forthright as well. To date, I have not seen any such usury from Chase but believe me I will be watching from now on. I expect the customer community to come together and force this type of behavior out of the market and to call upon the government to reprimand and fine TCF Bank for such awful behavior.

As others have stated, T(otally) C(orrupt) F(raud) Bank utilizes adhesion contracts to insert unconscionable clauses which ought to be void as a matter of public policy, in order to charge massively unfair overdraft fees.

I have been a customer of TCF for a couple of years now, but recently, they apparently started a new fee per day on overdrafts. I went over $20, which I expected to pay the normal $35 for. But instead, it has cost me nearly $400 in overdraft fees now. I called to complain and they said that this notice was on my last statement. But I have not received a normal monthly statement from them for over six months, which I have also repeatedly complained about. This bank is greedy and I do not see how this could even be legal. This new system nearly cost me my rent as I am on disability and can barely afford to live as it is. Now, they take nearly half of my monthly check. TCF is a terrible bank.

My account had an overdraft of $74. They ended up charging me $252 in overdraft fees because they charged $28 per day. How greedy and ridiculous is that? Where is the adherence to your customers? Not only are those fees ridiculous, but why would a company wait until the economy starts falling tremendously to charge a daily overdraft fee. I have contacted the Headquarters and Lisa **'s office. Lets stick together on this one people!

I opened a checking account with Twin City Federal Bank (TCF) in 1995. I added my wife in 2001; we have been in good standing with them through the entire time. When I opened the account I accepted an offer for a $10,000 life insurance policy on the account, the fee is $2.00 per month. We stopped maintaining the account in August 2011 and it was closed by TCF. We were unaware that the life insurance policy continued, TCF should have closed with the account.

We received a letter from a Collection Agency stating that we owe $175.87. We contacted the collection agency to ask what the charge was for because we had no knowledge of it. They had no information, either. We contacted TCF, who explained that after our account was closed, MetLife continued to charge the $2.00 insurance fee and TCF added late fees, overdraft fees and other charges to our closed account without notifying us. TCF informed us that they had notified us of the added charges through their on-line services, which we were not checking because we were no longer using that account, but left it open. We believe TCF is at fault for not properly notifying us or MetLife of the closed account and charging excessive fees to our closed account.

TCF, a new class action lawsuit, I am sure, will be coming your way. Thanks to your new overdraft fees of $28 a day! I have been a customer for over 15 years and I will be closing my account and going with my local credit union. Enjoy the money that you have stolen from me and you can keep the $.02 cents of interest that I'm getting on my ** savings account! When is someone going to bail out the hard working citizens of America instead of these greedy, self-serving banks?

I had a checking account with TCF. They let a charge come through which over drafted my account by $9.51. By the time I figured it out, they had already charged my account for $233.46 for a $10 shortage in my account. They would only credit $63.00 so I had to pay $180.46 for a $10 shortage. If I didn't pay it, they would continue to charge $28.00 a day. Now, banks can rob their customers, living from paychecks to paychecks.

They paid something for $61.00 on my TCF account and I looked up with paying overdraft fees for $600.00 dollars. This is absolutely unacceptable from this bank. They found another way to rip people off and this should be stopped immediately. The consequence for them paying a $61 item on my account will cause me to be homeless. This needs to be stopped right away. TCF Bank should be ashamed of doing long time customers like this. I will be picketing this bank asap.

A $238.00 direct deposit didn't post as usual. In the middle of relocating across country to job hunt, I found that only part of the rental car was covered. I went to TCF to find out why, and was advised of the overdrafts and the daily fee. This was not what I had signed up for when I agreed to overdraft protection, and I never received a notice of a daily fee. I have had $65.00 overdraft fees from them, periodically, but this was something I would never have agreed to. Later, I checked my balance and had a very negative balance due to the daily fees.

I went into the IDS center to speak with a manager. The teller said the manager was right next to him and could intervene as needed but that he would help me. I asked to close the account but understood when they said that the account couldn't be closed but only frozen. We agreed that no deposits or withdrawals would be allowed, and I would try to get the fees waived. We looked for the $238.00, and it hadn't been posted and wasn't in pending. We agreed that I would talk to deed and have them send a check to the debit card and that no activity would occur on the account at all while it was straightened out, and then I would pay off the balance.

I learned today that the $238 was credited to the account anyway after we agreed to freeze all activity. I went in to the IDS Center's TCF again and spoke with the manager who had been there on Saturday. She said that direct deposits would go in anyway. I asked why they hadn't told me that, and she wasn't aware that I was talking about a direct deposit. I told her it needed to be returned to deed and that I wanted (and we agreed to) no transactions at all affecting the account until I had a chance to talk to someone about the fees and waivers and get a final balance to pay down. I did not agree to a daily fee. I signed an agreement for an overdraft per overdrawn check. I did not receive anything advising me of a change in policy nor was I asked to sign an updated version of our agreement.

I am homeless, job hunting, and cannot keep coming back here to straighten things out. I asked that the money be returned to deed (UIMN) and was told that it could not be done. I know it can. Credits can be refunded/debited. This was done after we agreed to freeze all activity.

First, I would like to start off by stating that I do have banking experience. I was a personal banker for Chevy Chase Bank and absolutely loved my job and the bank itself. However, I had to stop working for the bank when I moved to Colorado for school. Although I loved my CCB account because I knew how everything worked inside and out, I knew it would be more convenient for me if I opened a local account. It was because after 2 years of banking in another state, it became a hassle trying to just make check or cash deposits.

I shopped around and saw an ad for TCF. It stated that if I opened an account and kept it active for 3 months with 10 debit card purchases/month, plus a minimum of $500 in deposits, then at the end of 3 months, they would give me a $100 Visa gift card. I figured what the ** and opened the account in January of 2008. But more importantly, I liked the fact that they were one of the few banks around that were open 7 days a week. I actually forgot about the gift card until a year later. When I contacted customer service over the phone, and then later at a branch, they had absolutely no idea what I was talking about. Whatever, it's not a big deal.

In Sept. of 2010, I was laid off from a well-paying job and joined the unemployment line. I have an unemployment deposit that comes in every other Tuesday. Because I now live on such a limited budget, I have begun to monitor my account more than ever. In fact, I never noticed before that my direct deposits were always in "pending" status for 2 days. It's because all I would do is just confirm if my job deposit had been made and then I never bothered to check it again. But now that I am starting to live paycheck to paycheck, I have realized that there is a lot more shadiness going on that I never realized before.

First of all, at my previous bank, if 3 transactions and a deposit all came in on the same day, the bank's policy was to credit the account with the deposit, and then process the transactions from biggest to smallest, regardless of when they were made. But for some reason, TCF is the exact opposite of that. They process all of my transactions first and then credit the deposit into my account. I did not realize how big of an impact this could have on me until a couple of weeks ago.

Here is the scenario: As of 9/30, I had a $65.64 positive balance in my account with 2 check card purchases that were pending, one for $20.02 and the other one for $13.56. My unemployment deposit was set to come in on the following Monday night (10/3). I also had an insurance payment of $165.36 that was set to come out on 10/4. My deposit came in and was set to "pending". In the meantime, the bank decided to deduct the insurance amount of $165.36 from the $65.64 balance, instead of the balance with my unemployment check added in. This caused my account to go negative $99.72. Then on top of that, they also cleared the 2 pending check card purchases which left me negative $133.30. Then, the deposit was credited to my account. However, keep in mind that it appeared my account was still positive. And they did not show the negative balances until a few days later when they posted the 3 NSF fees totaling $105.00.

Because I didn't realize they were going to penalize me for having a "pending deposit", I had already made 1 withdrawal and 5 check purchases. By the time I saw the overdraft fees hit my account, I knew right away that 2 of my check card purchases were going to cause my account to go back into the negative. Sure enough, the next day, my account was overdrawn. I had a deposit go in to cover the negative balance.

I checked my account for a few days after that to make sure it looked good. But then, imagine my surprise when I received a letter in the mail from TCF yesterday (10/13) outlining the current activity. They had charged me a daily overdraft fee of $28.00 due to my account being negative for 1 day. I immediately checked my account. Not only did I receive the $28.00 fee (which by the way caused my account to go back into the negative), but for every additional day after that, they have continued charging me the daily overdraft fee of $28.00! The thing that irritates me the most is that I checked my account for 3 days and never saw the fee. And then all of a sudden, they showed up. I was not even aware of this "new policy" until after the fact when I received a letter in the mail.

I was banking with TCF for about 8 months and with my husband having multiple sclerosis, our lives have been a nightmare with his medical and him not able to work. We did not get notice that TCF bank was going to start a daily overdraft fee of $28.00, before it was $35.00 for each item. I could barely pay the $35.00 fee and I cannot pay the $28.00/day fee. This will put us in the hole and there would be no way for us to get out.

I signed up for a free checking account with no minimum balance. After several years, they changed it to having a minimum balance. I had two checking accounts, one which I simply stopped using. It had about $60. Now they say they sent notice of this change (I'm sure in some very small print) in a statement I never looked at. So they drained the money in the account and then started charging me more. Now obviously, they could have informed me, had they really wanted to, long before I was $100 in the hole.

And all this after the fact that somehow, not long after me opening my account, they messed up my SSN and business tax payer no., resulting in that for a couple years, I could not even online bank with them. Yet I stuck it out with them. And in return, they completely refused to waive the additional 'negative balance' money they charged me. They weren't happy with the first measly $60 they stole.

I have been too busy to deal with changing banks, but today I see there is a brand new fee for my online banking, $6 per month. That has been charged twice already without my prior knowledge. My money is out of there today.

This bank charged me over $240 in non-sufficient fees for transaction that were never in the negative. My statement reflects a positive running balance for all transaction, but fees were still assessed. How does this happen? I contacted 6 branches, 3 branch managers, and two regional managers. I have not been reimbursed. I am exhausting all avenues to have the money TCF stole from me returned. They have changed their overdraft policy because of this issue, but will not give me my money back. I have now take legal action.

I opened a totally free checking business account with TCF on 87th W 87th Street Chicago, IL on 9/26/2011 and deposited $100. My Articles of Incorporation and DL were requested and accepted on that day. I was told the account was open and ready to go. On 9/27/2011, I received a check in the mail from my client and I deposited it on 9/27/2011 at the TCF Bank on 635 N Dearborn Chicago, IL with the Branch Manager, Michael **. Michael stated that the check could possibly take 7 days to clear and there'll be no issues with my account.

On 9/29/2011, I logged into my account and saw that the funds had cleared my TCF account. The same morning, Michael called me to say that there had been a hold placed on the account for documentation (letter of good standing and proof of address). I asked Michael why they didn't request this information when I initially opened the account and he stated that this is something that is requested on the back office side, after the account has been opened. Michael informed me that my Florida business was not listed in good standing with Florida and that the account would have a hold on it for documentation until these documents were produced. At this time, I requested that Michael close the account and disperse the funds to me in whatever form necessary.

Michael called his manager, Christian **, to see if this was possible. Christian stated that this would not be possible. Michael and Christian both stated that I should try to get a reversal of funds from my client. My client's CIO called their bank to see if that was possible and the bank said no since the funds had already cleared the client's account. I relayed this message to Michael and again, asked that the account be closed and my funds be returned to me, but Michael refused. Michael said he would see if the funds could be ACH'ed back to my client. I also called Christian and left a message on his voicemail to see if returning the funds to the client would be an option and he never returned my calls.

That night, I went to the TCF Bank branch on 87th Street, where the account was originally opened and spoke with Meshawna **, assistant branch manager. Meshawna ** informed me that there was an endorsement hold on my account and stated that it was not a hold for any documentation. Meshawna asked me to come back to 87th street at 9:00AM so that we could sort it out with the Loss Prevention Department because they were closed. On 9/30/2011, I went back to 87th Street and spoke to Meshawna ** and her branch manager, Laticia **. Meshawna got the background on the situation and was informed that TCF was demanding I produce the letter of good standing. Meshawna involved her branch manager, Laticia, who stated that I need to produce the letter of good standing.

I informed Laticia that this was impossible for me to do since TCF was holding my payroll check and I have no other way of coming up with the $1500.00 it would take to put the company in good standing. I also informed Laticia that there are several bills I needed to pay with that money in detail. I asked Laticia to close the account and disperse me my funds but she refused. Laticia called the manager, Tanya **. Tanya stated the same thing, that I need to provide a letter of good standing before they would release the funds. This entire situation is ridiculous and very dishonest to me because I do not understand why the certificate of good standing was not requested initially before the account was opened nor do I understand why the account cannot be closed and my funds be dispersed to me? I would deeply appreciate an answer on the aforementioned items and would also appreciate if someone could tell me, is it common practice for a bank to open an account, accepting funds and then putting a hold on the account that can greatly inconvenience the account holder? I would also like to know, is it common practice to not close the account and require that documents be produced?

This incident happened about six months ago. One day, I received a notification from my mother that I was over $200 in the hole. Now, I had money in my checking beforehand, and I also had money in my savings for about $2,000. I guess that the transfer from one TCF account to another did not take precedence over that fee. So, what they did was withhold my transfer from my savings to checking, which was electronic (as in instant).

TCF Bank is the preferred bank of the University of Michigan. What they don't tell you is that they are ripping off our students daily! My son had someone steal money from his account. This has resulted in daily overdraft charges of over $200 by the time we received the notice at our home. They told him when he went into the bank that they would not even discuss the account with him until he made the balance positive. Seriously, doesn't the account owner have the right to know what's going on, even if the account is negative? They have the worst customer service around! Parents, beware. Don't open an account for your child at this bank, regardless of how convenient it may be to them!

I reconciled my checking account and since I hadn't moved any money to my savings for a couple of months, I decided to do so with my surplus. I left about 60 bucks in checking knowing that on the 16th my direct deposit, which has occurred at this bank every other week for 15 years, will be deposited into the checking acct. I forgot, yes, that part is my fault, that I have a recurring transfer on the 15th of every month that moves $100 from my checking to my savings. I only had $60 in checking on the 15th but they still moved $100 which resulted in an "overdraft". I received a notice in the mail that I was overdrawn $40 and was charged a $25 overdraft fee. No other overdrafts occurred as a result and I haven't had an overdraft in a very long time, years. I went to the branch and said I want to be credited the $25 since all they did was move money from one account to the other and they refused.

TCF Bank is nothing but a thief. They practice holding funds and pulling transactions of most amount first, even though they may have come in after a smaller transactions. Their customer service representatives are deplorable. Disgusting! Everyone, file a complaint with Comptroller of the Currency. They will get you refunds!

This is my second time making a claim for the same fraudulent activity on my account. The first claim was ID# ** which I learned was denied only after calling the bank to check on the status of my claim (well after the 10-day period in which bank representatives told me I would receive a response had passed). I am very disappointed in TCF's handling of this issue and have referred this matter to the Better Business Bureau (case #**). When I originally noticed the unusual charges on my account and called the bank, I was told by the representative that the charges had occurred on my bank card which was in my possession at the time.

I followed the instructions for filing the claim but did not receive any response from you. Upon calling to check the matter, I was told by a representative that it was denied because I had my card in my possession. I called back a couple of days later to find out the next steps or appeal procedures, and was informed by a different representative that the claim was denied because the fraud occurred on my husband's card, which was also in his possession at the time of the transactions. I do not know how this occurred nor is it within my power or authority to get to the bottom of this. The stores (although I have tried to call and investigate) in question will not reveal any meaningful information to me. As the bank issuing my card, it is TCF's responsibility to investigate this.

I am retired and served more than 22 years in the military. My military retirement pay goes to TCF each month. I do not pay my bills until the end of the month to ensure that there are no issues. I check my account to make sure all bills have posted; I feel satisfied once they are posted. I noticed that TCF shows that they are posted one day, and a few days later, it shows an overdraft stating that funds were not available. However, they were available on midnight before payments were made. This is not right and something should be done. They are making huge amounts of money off of people from charging NSF fees. I do not keep a ton of money in my checking account simply because I use them to pay bills. However, TCF is making it impossible to do so. I have since switched banks and am happy with my new bank.

I wish I have read complaints before opening an account.

I have been with TCF for a couple of years. I liked the hours and it was easy to open an account. I am like most who live from paycheck-to-paycheck but their banking methods make it impossible. Doing my check register, I would have money for my bills and direct deposit I had money. I would get their cards in the mail stating that items were paid but had charges. I would use my card for small charges and end up with 5-6 NSF charges.

I went online and it didn't show what went wrong so I would go to the bank to see what happened. I consider that I was pretty good at math till I started banking at TCF. I could not figure out why I had no money. I thought I was stupid and didn't understand bank math. I would go to that bank and they would show me a printout that was hard to understand. After finally understanding how they do their banking practices, they would steal our hard-earned money.

I found out that when you have a deposit and several transaction, they are put in pending. They would take the largest amount and next largest and other charges that put you negative and that post deposit. They have taken $175 of NSF, which puts you negative when other charges have not gone through yet and it makes it impossible to catch up.

TCF Bank does not supply accurate information on accounts resulting in paying overdraft fees and making more money for themselves. On August 4, 2011, I checked my account and learned that it was negative. I called customer service and they said that my account became negative on August 2. I asked why I did not see this online when I checked my account before. I withdrew monies on August 3 and the associate did not say anything about my funds when we were transacting at the window. I had $365 in the bank and I withdrew $355. When I checked my balance this morning (August 4), my account is $-25.

TCF Bank charged me daily overdraft fees in the amount of $100 all on one day on 8/8/2011. They said it was because I was over drafted over the weekend. However, I had a money transfer from another institution on the previous Friday. TCF Bank said they don't process those things over the weekend, but when I pressed them that they admitted they still charge fees. This is illegal fee churning.

It is unethical if not illegal according to the new bank reform laws passed this summer to do this, but TCF did it. They processed debits and held off on the cash credit until the day after Thanksgiving. We have the receipt that the cash deposit was made the day before Thanksgiving. The teller at the bank said we had no overdrafts on the 24th, the day before Thanksgiving. TCF refuses to correct. We went online and found out we were overdrawn and it shows the deposit on the 24th. We called and they said the deposit was credited on the 26th because there is a hold even on cash deposits. But debits were entered the day before when the deposit was made. This resulted in $175 in overdraft fees. This is going to come out of my disability check of $826 and we won't be able to pay the rent. It also puts Christmas in jeopardy. We have contacted our congressmen and the Illinois Department of Professional Regulation. This is illegal, but who stops the bank. Who really gives a **? TCF scams people.

We opened 6 accounts with TCF Bank in August of 2009: 2 savings account, a business account, a joint account, and 2 personal accounts. At the time of opening these accounts, they were supposed to be completely free checking and free online banking. And we also opted out of having any charges go through if the funds were not there. They put the charges through any way racking up to date, a total of $1454.49 in NSF fees and service charges that were supposed to be free. We went in several times and complained. A few of the NSF fees were returned but they keep doing it. Even over a $1.15 charge, they charged us $35 NSF fee when it should not have been put through in the first place. We opted out of having charges put through several times if the funds were not there.

On several occasions, there was money in one of our other accounts and savings accounts. They said over the phone that they could move over. But when we went in again to complain, they said they can't do that. What a lie! It's just another way to steal from us. The managers were rude. On one occasion, the manager was so rude. He laughed in my face when I asked him to put the NSF fees back and had me in tears. Please, we need an attorney to start a lawsuit against TCF bank and many people will join in. I have heard nothing but complaints about this bank stealing from their customers.

They are giving me scare tactics. They are charging me for fees and late payments after I was told that I should not pay for NSF charges because my husband was supposed to pay these bills. Then, they reported my account as closed and did not give me an affidavit stating that I was given this advice from their bankers. Now, my credit score has been affected negatively. My husband left me and removed his direct deposit check, so none of this was my fault. Why didn't they try to work with me when I met with their bankers? Why did they mess up my credit?

TCF Bank is nothing but a bunch of scammers. I, too, had direct deposit and several transactions were not posted correctly and were charged over $175.00 in overdraft fees. This bank is stealing money from its customers. Very unfair business practice and someone needs to put a stop to it. Their posting practices are terrible and someone needs to investigate them.

TCF has charged me hundreds of dollars in overdraft fees because of their deceptive bookkeeping practices. I have discovered that they are taking out the largest purchases on my account first, then adding in my deposits. They are also holding my direct deposits instead of making those funds available immediately so they can charge even more overdraft fees.

Over the past few days, my account balance has varied wildly. One day it was negative. The next day it was positive again. There were two items that were pending; an ATM withdrawal and my direct deposit. They didn't add in my direct deposit until they had taken out the withdrawal and charged an overdraft fee. According to them, this made my account have a negative balance again, even though my register showed a positive balance.

I called customer service and got them to return $105 in overdraft fees, but this is not going to help me. I now have three items pending, which they will take out first, and then they'll credit the refunded fees. This will put my balance in the negative once again, and they'll get back the overdraft fees. This has been going on for a couple of months now, and all of this has made it impossible for me to balance my account and keep it on the positive side. I'm frustrated and angry about this. This has put me behind on my car payments and forced me to make late payments on my rent. It has caused so much stress that I'm getting headaches, having trouble sleeping and struggling with depression.

I called to check on my account and money was taken out. So the bank can just take money when they feel like it? I want it back then I will find a real bank. I have 10 friends who will pull their accounts when I pull mine.

I opened a totally free checking account in November. I am 18 years old and I explained to them when I opened the account, that I had no job and no bills. Therefore, I would not be depositing on a regular basis. I only had 10 or 15 dollars in there and I wasn't really using the account so I never looked at my bank statements. Then one day, my mom opens one of my statements and tells me that I am 55.00 dollars overdrawn.

I freak out. I go to the bank and talk to them about what is going on. They tell me that in January, they switched my account over from totally free checking to a checking account that has fees if you do not do one of three things: 1. Have an automatic deposit of at least $100.00 dollars a month. 2. Have a minimum balance of $500.00. or 3. Have a minimum combined balance of $2500.00.

I told them that I was never informed about that and they said that they sent it in the January statement and implemented it in February. I explained to them that I never open my statements, because I never use the account and Chad at Northglenn branch told me that it is only their responsibility to inform us, nothing else. I am going to close my account on Fri the 16th of July 2010 and if you get a class action law suit going, please inform me and we will join, both my mother and myself.

I had a free checking account at TCF for many years. I hadn't used it much and had a balance of around $3.00 in it. At the end of May I decided to look at the monthly statement from TCF and I found I was negative $18.00. I never received any overdraft notice or any notice at all about being overdrawn. I took the statement into the branch and asked them what happened? They told me that in January in my statement I was told that it would no longer be a free checking account and I had to have $500.00 balance in the account or be charged a monthly fee.

I told them I didn't look at the statements because I didn't use the account, which they could see was true and I never received any kind of overdraft notice about the account. They said there was nothing they could due for me at the branch and that I should call the main bank and that if I didn't pay the overdue amount I would be charged another $10.00 on the 25th of June. I called the main bank number I was given and was told also that there was nothing they could do for me. I was never told by either of these people that on the 16th of June the account would be sent to collections and could go against my credit which I found out today. I was told to immediately pay $62.38 which was the balance of the negative amount plus a collection fee.

sounds to good to be true it is.

Tcf never informed anyone that they were assessing a $9.95 monthly fee if you do not maintain a $500.00 balance per month. I get unemployment so it's hard to maintain this balance.

TCF is so fraudulent what about the fee's we get when we use another ATM because the Cashiers/or the ATMS don't have cash on hand I've experienced this 3x's and they did not refund my money.

The customer service is just horrible they have a ghetto staff at all the northside branches and they all act like you owe them.

Lets get a Class action against TCF and hopefully they will stop stealing from their customers.

I called the Attorney General and they stated they were governed by the national banking system. So we need to shut em down!

I certainly wished I had read all the othere comments before opening an account. I deposited my money in what I was told was a free checking account. The next information I got was they they were sending $164 to some agency due to a claim on my account. I checked my credit report and the TCF account and could not find anyhing. I called the bank manager who promised to get a very old account's statements. Never heard from him again and when I called he was never at the Antioch, IL office.

I called customer service again receiving the same promise. No return call. The bank called me to see how I liked the bank and I explained what had happened. This person emphatically said they would get back to me. Again, no call. I am now being charged $140 in overdraft fees and $9 a month service fee. What happened to the free checking? I am closing my account today.

I opened my account with TCF Bank, because they were advertising free money when you opened the account. I had recently moved back to Michigan from Virginia. Before I moved though, I had JP Morgan Chase Bank, whom I never should have left. So, I opened the account, and just their online database seemed fishy. You had to physically add it all up, and it didn't always show pending transactions. I wrote everything down anyway. I write a check to pay off a student loan, and TCF Bank's policy, as I was told by a branch manager, is to hold a check for a month if it's written out of state. I didn't know this, writing a check to a company based out in Florida. I saw the check worth $89.00 "disappear" out of my available balance, so I spent accordingly.

Everything is going great. I don't carry cash the majority of the time. So, I'm using my debit card and the next thing I know, my card was declined. Yes, it was in a public restaurant and having to deal with that awkwardness of your card being declined. I checked my bank account, and I'm suddenly -$225 in the hole, just like that. Everything had bounced in my account. I'm talking about 10-15 transactions. Along with all of those, a 35 dollar service fee that TCF Bank gladly paid for I was told.

I'm in the branch talking with the manager who told me that even if I brought the balance up to 0, I'd be back in the negative because in 2 days, I'm looking to get hit with $85 more in service fees. So, it wouldn't matter. I had written another check to pay my credit card bill that they still processed, but the credit card company later denied. No transactions were ever denied for me. They processed transactions even after I was already in the hole. The branch manager reversed $105 for me. I still to this day haven't seen that taken off the total amount due. And I was still charged a $35 fee for the check to my credit card company that was never cashed, but returned.

I had a free checking account with TCF Bank in good standing. With inadequate notice (buried in a monthly statement), they instituted a service charge. I immediately paid the fee, zeroed the account and closed it. Two weeks later, when checking online to verify that the account was indeed closed, I found that it had not been and they had charged another $10 monthly service fee bringing my balance to -$10. Now they refuse to close the account unless I pay the additional fee. What a sleazy organization!

I have a checking account with TCF bank. I went negative after they withdrew the pending transactions. As soon as I saw I was going to go negative, I put money into the account, but in spite of that, the bank charged me $70 in overdraft fees. So I called them and they informed me that the pending transactions were also going to be charged another $70 because I was negative at the time the funds actually cleared.

So I ask this, how can they take a pending transaction, subtract it from my balance, then charge me overdrafts for transaction that already cleared and then turn around and charge me for the pending transactions because I am now negative. This sounds like they do this on purpose to impose as many fees as they possibly can. In all reality, prior to the pending transactions, I had a positive balance. So how can they charge me for being negative on the pending transactions once they actually hit the account? Since I am unemployed, $140 in fees that really should not have happened since I covered them by putting in a deposit really hurts my financial situation. This is unfair practice by TCF bank as far as I am concerned and by no means am I finished with this.

My last transaction was to close out my TCF Bank account on or around the 15th of October 2007 with nothing outstanding. I owed nothing to TCF (the bank). I found out months later while checking my credit, there was negative information on there regarding this account. I called this collections agency and told them that I owed nothing. They told me TCF would have to tell them that.

I called TCF. They said a direct withdrawal tried to come through, and since I withdrew all of my money out, that caused me to get a $34 insufficient fund fee. Next, I informed them I closed that account in October 2007 when I withdrew my money out. They said they sent me a letter to a Markham, IL address I never lived at and never had mail sent to.

If they would have sent it to my address on the account, this issue would have been addressed. TCF said it was to late for them to do anything about it, because it was after 30 days; and they charged me $35 to send it to collections. To say the least, I was highly mad. I have talked to both companies and owe them nothing. This is error on TCF's part, not mine. They have such a high turnover rate, and that's how they treat their customers. (They are nice until they no longer need you.)

In their promotional material, TCF says "Tell your friends about the confidence you have in us." So, I will.

I got nothing but blank stares at my local branch and nobody had a reasonable explanation other than "sometimes it takes longer for new account deposits to clear". Well, that's not my opinion of how you treat a new customer -- and it's probably a preview of more surprises to come -- so I closed my account.

As they suggested, I will gladly "tell me friends" that they should never do business with TCF Bank!

I just recieved a notice with my monthly checking statement from TCF, that if I write a check to help out a family member or other non account holder drawn on my persomal account, they will be charged a check cashing fee of $5.00 with a max fee per transaction of $10.00. On a check written for $15.00 this would be a 33% charge which is highway robbery.

This is effective NOV17/2009.

Evidently this does not apply if you write a check to a merchant and they cash it from there account. Differant ruels I guess.

To whom this may concern.

Well my reason for contacting you is that maybe you can lend me your ear for just a moment and hear a little problem I have with a national bank.

First, I met the love of my life and tied the knot up in Gods Country (Traverse City, MI) about a month and a half ago. We had a beautiful wedding and a great reception and wound up with a mound of envelopes with checks and cash stuffed in them, we are very blessed.

Here is where is gets interesting, we take are checks to the bank and attempt to open a bank account at the bank which my company has been banking at for 20 years. They tell me that my wife had been flagged by TCF Bank and had reported her to Chex Systems & her name will not be removed for 5 years. Therefore we could not put her name on my account.

They informed us that there is a balance due of $326.00, no problem we can pay this, but TCF refuses to remove her name off Chex Systems. My wife began to tell me that back in 2006 she was working at a doctors office, she is a pediatric nurse, her wallet and debit card had been stolen from her purse. My wife took the high road and closed her account unknowing to her of this balance & opened a new account with the same TCF Bank. The thief had over drafted/charged $326.00 from her account. Two years go by and she closed the account before we had tied the knot. Upon further questions and no answers from her former bank TCF & Chex Systems. They let her close the account with out paying the balance and for the past 2 years had not made one attempt to collect the balance or inform her of her name being reported.

TCF has been extremely rude with both my wife and I over the phone. This is putting a huge financial strain on my wife and me as she has checks that cannot be cashed and feels like she cannot contribute to this new marriage. During my own research I found out that TCF & Chex Systems corporate offices are a few miles apart in Wayzata, MN. I used the web and Googled TCF Bank Complaints? and there are dozens of pages of TCF complaints.

We purchased a payloader from Road Machinery Supply in December of 2006. Road Machinery Supply secured a loan FOR US with TCF Equipment Finance using a blanket credit application from RMS. No credit application was signed and no meetings were held between us and TCF Equipment. We were not given a choice of terms, interest, payments, etc. before this loan was arranged. Papers arrived at our office to sign, no representation from TCF or RMS were available to explain what we were signing. Payment terms were for 9 annual payments of $4600 per month and skip payments for Jan - March.

We fell behind in our payments and they repoed the payloader in Late June of 2007. This payloader was returned to RMS and we never saw it again. We had asked for proof that the payloader was never rented out and then wanted to know why it took 3 months from them to sell the equipment. We were notified of the equipment selling after seeing it on the RMS website in early November of 2007. Even after sending a package of information and proof of wrongdoing to their attorney, they received a default judgment against us. AFter repoing and selling the payloader they claim the deficency we owe is $33,000+. They even stated that we probably paid to much for the payloader to begin with.

They have garnished our personal bank accounts for the amount of judgment $44,335+. Until this amount is paid in full we will have to endure garnishment noticies and we will have to continue filing Exemption Noticies. I contacted their attorney Richard G today and he indicated to me that my exemptions would probably not stand up since we are both self employed and that our wages that we will be claiming are not true wages since we are self employed. How are we supposed to support our family if this attorney will continue to garnish our bank accounts.

That is nothing more than DISGUISED INTEREST rate of 3400% per day, on credit they denied us.

My husband's father passed away, and he left us a large sum of money. We put about some in a checking account, and we talked to an employee at this bank about investing the rest in something that if we needed to access the amount we could. I told the representative that I wasn't interested in a retirement account; we already had 2 ira's. He assured us that this was easily accessible, that it would only be tied up for a couple years. We recently went to withdraw some and were told we couldn't access it for 13 years, until my husband was 59 1/2, without a 10% penalty from the IRS. It's an AIG annuity.

I feel so betrayed. I've been a customer with this bank for almost 30 years. I trusted this bank too much, I guess. I am disabled, and my husband works in construction; we had to cash in some of our kids' savings bonds just to pay the bills. I have RA which flares up when I get stressed. I am upset that this has happened to me.

I belonged to a TCF Bank in Hartland MI and I moved shortly after the death of my daughter. I kept in contact with TCF in the event that I needed to put money into my account and did so when needed to. I've even gone as far as stopping by the bank to speak with Bonnie in the Hartland Branch when I was in town to make sure that everything was ok and to change info that needed to be change once I got married and or moved and things of that nature.

I would get statements regularly and they stopped in Sept some time I believe and because I was dealing with legasl issues in MI I hadn't noticed until I went through all my statements today. Well as of last week November 23 2005 I received a letter stating that my account would be closed Oct 20 2005 I did not receive that letter until the 23rd of November. Any of times I had no problems as a matter of fact had it not been for a call to the branch in Ann Arbor wouldn't have known that I had been sent to a collection agency. I'm furious and any other times TCF contacts me. Something isn't right about any of this. Please help they need to be stopped and I wouldn't write you all did I not think this was foul play on TCF's part somehow.

i'm having an issue with three official checks that i put a stop-payment on because the vehicle i was trying to purchase does not have the milleage that are on the odometer and the dealer won't guarantee them.Well after i put the stop-payment on the checks the bank talled me that they would not guarantee that the stop wuold catch in time.It did but now the bank is telling me that the copies of the checks that i have are not enough for them to give me my money back, and that they need the orriginal checks that the dealer would not give me.

I opened an acct with a TCF Branch in Oct of last year. When opening the account I was advised my paychecks will take 3-5 business days to clear and I would be able to access funds at that time. Unfortunatly that was NOT that case. After 5-7 business days and making a deposit of a little over $900.00 in paycheck form, funds were not available. I went into a branch to complain, they had told me that my funds were on hold but did not know for what reason. I called customer service, they stated the funds were available.

When checked into further I requested a printout statement. Sure enough, 970.00 in funds were available but when my check started to attempt to be deducted they were refused and my checks began to bounce. This put me in arears of $426.00 of bank fees in their error which they would NOT reverse. I continued to argue with them and still have been to this date. It came to put me so behind and held up my finds for the holiday season. This left for a limited Christmas and for a lot of fees in money orders and cahier checks. I still am unable to open another account to this day due to TCF Bank slamming my SSN#. I have had nothing but bad experiences with them.