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I moved from Arizona to Pennsylvania 2 years ago and kept my account with TCF... I have had numerous overdraft fees due to the fact they are not accurate on the online banking as well as when my automatic deposit goes in it seems they do not have accurate times from East to West Coast. The customer service was rude and seemed not very knowledgeable. I will be transferring my money to another bank.
While TCF is not the biggest bank, they make up for it in service, and caring for their customers. They do an excellent job of offering the same products and services as the big banks but I don't feel like a number at TCF versus the big banks.
My daughter has dealt with TCF for 25 years starting when she was in college. This year she worked two jobs. Her second job was at HOME DEPOT and because they tried to work her to death she became ill and quit giving them 3 weeks notice. She had direct deposit with TCF and Home Depot sent a pending deposit and then a reverse. The bank never got any money from HOME DEPOT but that did not stop the bank from emptying her checking account.
I made a call to my bank to see what they would have done in this case and they said two things one check to see if the actual deposit had been made and 2 call me. TCF did neither they just took money out and overdrew her account. Anyone who has any suggestions it would be appreciated. Yes they sent a paper check but my daughter said after talking with the HR people in GA it sounded like they have already stopped payment. TCF should have responded to Home Depot with, "You never sent a deposit." Instead of just taking money already in the account.
I banked with TCF for 20 yrs and with Great Lakes Bancorp before they were bought by TCF. They sent me a letter threatening to close my account if I didn't tell them the details of a $500 PayPal payment on my account. They wanted the sender's name, physical address, date of birth, occupation and nature of relationship. The payment was from my brother to pay for a computer he bought from a guy on Facebook. He lives 180 miles away and I did him a favor of paying for it and picking it up until he could pick up. Completely innocent but I don't think TCF has a right to question my PayPal transactions that are 100% legal and the reason PayPal exists. I opened up a new account with PNC, closed both TCF accounts, business & personal. I am now moving my mortgage from them to somebody else. This is something I should've done years ago. TCF has always been a terrible bank.
I recently opened checking account there. I was told when I opened the account that with mobile checking there would be a 2-day hold. Now they're saying that it will be longer. They released half of the check but took those funds back and now I don't know when or if I'll be able to get the funds. It was a payroll check.
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I have Mortgage (I.O) with TCF and due date is 23rd of month and I make autopayment on 20th with 70$ more than usual monthly payments. I still get charged with late payment fees for last couple months. Not sure what’s going on. Deceptive practices!
I have been a customer since I moved to MN a little over 2 years ago. I have 3 accounts with them. My son just got his first job, and we wanted to open a teen checking account for him. TCF said that they no longer accepted student ID's and he must have a State issued ID. I complained as he is a minor and was able to get a job with his student but cannot cash his checks, and we would have to wait several weeks for State ID to come in mail. Plus, he has a savings account with them. I was told no exceptions, but they would take the "yellow" paper (given by DMV) as proof that ID had been ordered. We do as they say, and bring back the "yellow" paper just to be denied again because no ID number is filled in (they do not fill in ID numbers for new applicants.)
I asked to speak to someone else with more authority. The branch manager tells me that she "can" override the ID number requirement but won't because it is a "too complicated process". And then she told me how TCF could still cash his check for a very low fee. Needless to say, I was livid. Once home, I was able to open a checking account for him through another institution in a matter of minutes without the red tape and grief. I think I will be making the change for my own accounts very shortly. PS... I also hate the new online format for same reasons as others have mentioned.
This all started by my landlord informing me my rent never arrived. I called the 800 line to see what I needed to do to cancel a check. I was told by Martin that I was a great customer for many years with no overdraft fees & he would see if he could cancel the cancel check fee. He came back on the line & stated he could not do that. I asked for a supervisor & got Kristin she stated she could not waive the fee but would close my account so my fees could not be taken out with my check info. She stated she had closed the account & all I had to do is go to my local branch & they would setup a new account give me checks & a debit card there. I went to the Edgewater, CO location to set up the new account & was told they did not need to close my account so they reopened it. I then asked about cancelling the check. She asked for the check #. I gave it to her & was told it would be $35.
I explained I had no extra cash in my account. I then said, "Ok. Well can we just start a new account so I don't have to worry about a check floating around out there", she said, "Sure. That will be $25", I again said I do not have any extra money in my account (I'm very frustrated at this point) so she says, "Well we just need it to start the account & the money will be available tomorrow, I was OK with this as I was just going to transfer all the money from the other account into the new one. I then ask if I can get checks, she replies, "You can for $19.99"... At this point I'm ready to scream so I just tell her to close my account and give me the cash. I can't believe after all these years you would treat a loyal customer so horribly. I'm disgusted I had to close my account in order to not worry about a check floating around out there. I work in customer service & I can't imagine treating one of my customers like they do not matter.
Been a member for almost 20 years. It's such a pain to change accounts and I always say I'm going to but never do. So I guess at this point I have no one to blame but my self. My complaints are many: From deducting hundreds of dollars and then charging me fees that are from someone using a closed account 6 years after I closed it. (Was an active member the whole time) Then saying there is nothing they can do because it was 6 years ago and they no longer have a record of it and it's too late to order an investigation. Even though I had proof that I didn't write that check. I said, "you didn't let me know about this till 6 years later." They said, "I'm sorry, but there is nothing we can do".
They hold checks and don't tell you they were processes until after they charge an overdraft fee. When you call them on it they say "Responsible people know when and how much they wrote a check for. I'm sorry, but there is nothing we can do". I walk in showing them that they are reordering transactions so the largest gets pulled out first so they can charge more overdraft fees. For example: If you have $100 dollars in your account and make 4 transactions in the same day for $90, $5, $5, $5. They will ALWAYS process the $90 first so they can hit you with 3 overdraft fees as opposed to 1. I show them that this is always how it goes. They say, "We are sorry but responsible people know how much they have in their account and we have no control on when these charges post, there is nothing we can do."
It obvious how they make their money. It really is quite the racket. What happens is if you overdraft by a dollar they charge you 37 to borrow you that dollar. It's not interest. It's a flat fee. Look up how much banks earn in overdraft fees per year. Billions taken from people that, by definition, have no money. I get it. I really do. If they don't charge people overdraft fees everyone would overdraft. But their methods are sickening. There is a special place in hell for bankers.
I just got a letter from TCF, October 20, saying a recurring transfer that was scheduled for August 29 was not made because of "an unexpected error." In fact, the recurring transfer was not only missed on August 29, it was wiped out altogether, meaning the transfer for September was not made either. That's seven flipping weeks between the time this terrible error occurred and the time I was notified. I agree with others' comments about the new online system. I didn't know they had switched my account over until I was unable to log in to my account. Once I was set up on the new clunky system I couldn't navigate. Absolutely terrible.
I enrolled both my personal and business accounts at TCF in their new online system. The personal account didn't fundamentally have any errors except the system itself is far inferior to the old one. However, in enrolling the business account's data was completely lost. No transaction history at all and transfer accounts that had been set up were gone. I had to call them four separate times just to get 60 days of transactions put back in the history (they claimed that's all that could be done even though my personal account has all transactions from the beginning of time available.) When I called a 5th time regarding the transfer accounts that had previously been set up they said that service (to transfer money to an outside account) was no longer available!
I have accounts with other banks and ALL let you transfer money to an outside account, and THIS WAS TO ANOTHER TCF ACCOUNT! They told me if I wanted to make any transfers from the account I had to call or visit a branch! So basically, the online system is useless. I called their main customer care line to discuss all of the issues I had. I left a voicemail, no one returned my call. I called again and was left on hold for nearly an hour listening to a recording telling me how I could use their online system to get whatever I need! WHAT A JOKE! Needless to say, I am looking for a new bank.
Worst bank ever! Just found out I had something on ChexSystems after pulling all reports and lo and behold it was TCF Bank 2 times! They should be shut down after my 1st experience with their constant balances being incorrect. Holding my deposits for days and telling me my money was there but it didn't show online. After purchases I was hit with numerous fees and then magically my deposit went through and I was in the whole hundreds! This occurred on a regular basis. Then supposedly I opened another account and I owe almost 200.00? Then reported me to ChexSystems and now I can't open a damn bank account. I rather chew off my right hand then let them get another penny from me! I have written letters... we will see where it gets me but I'm not an idiot and have already retained legal counsel. I'm ready to sue.
I agree with everyone else that said their new digital banking system is designed to make you pay overdraft fees because what happened to me recently never happened to me on their old system and this new system is so cumbersome and makes it’s so hard for you to keep track of your transactions. I made sure to always check my account on a daily basis because I find out I don't get debited immediately for some purchases I make and the only way to prevent having overdraft is to check daily so I can make sure there's enough money in the account when its debited but the only day I didn't check my account is when I got an overdraft fees for a $7 purchase.
And as soon as I realized this I went to the bank, sadly the guy at the counter said he couldn't do anything about it and told me to call customer service, well I did and the only help I received was a lecture on how to avoid overdraft fees in the future but there's nothing he could do about this one. I have kept all my accounts with this bank and to be treated like this is absolutely unacceptable to me and I am definitely considering closing all my accounts with TCF Bank. Even my husband has been complaining about the new digital banking system they forced everyone on and he's getting confused lately with the activities on his account. I hope TCF knows that "it’s easier to keep existing customers than to find new ones".
I will be suing TCF bank over these fees for not having over $100 in your account. These fees, and all other fees are conversion or theft. Banks in this country are all about stealing from people, and we should not be doing business with them, other than suing them. I asked for the fee to be waved as I closed the account, and he said no. So... see you in court.
TCF new system is terrible!!! TCF shut down the old system and pushed customer to use the new one, but the new system does not work!!! I have a business account with TCF and cannot log in. TCF also deactivated my business card and never sent any letter to inform about that!!!
This bank just sent a notice of account closure without any explanation. After hours on the phone with numerous clerks no one in the organization could give me a real reason for the account closure. Clerks were very rude and unknowledgeable. They refuse to connect me to the branch manager. I have been banking with various banks for years and have never had such a rude and unprofessional experience. I highly advise not to do any business with them. Would not be surprised if they close down very soon. I am a caregiver, have my payroll going through this bank account, and have no other suspicious activity or transactions. Stay away from this bank, as it is their practice to cause you major inconvenience without any warning or explanation.
Their new site is just terrible, before this past Saturday 9/16/2017 their site didnt show an accurate running balance so get ready for some overdraft fees. Why would they have it like this?!? Are they trying to get people to make mistakes. Their CS could only remove one of mine and refused to remove the other. Looks like I'll be looking for a new bank now. You lost a customer over $37.
We sold a home we had a HELOC on with TCF and paid the HELOC loan off in full. 90 days later we still do not have a refund check for a payment made in the same month of the sale. They actually sent a check once, to the house we sold, which is a rental property and which we had been on their records for 10 years with a billing address of our Colorado address. STUPID! Then last week they were going to send a new check overnight that day, we were told. WRONG. One week later they still haven't even issued the check! And nobody knows why and nobody is calling back. Our next move is to report this to the Michigan Attorney General.
TCF has the HIGHEST fees from all banks in my area (Michigan). And they will charge for everything, from using your debit card to pay at the store, to even transferring funds electronically (online) from checking to savings! I called and asked why they charge to move $1000 from checking to savings, and they cannot explain why. I guess is just they wanted to charge me for something. No reason or explanation needed. Also, their new digital banking is causing all kinds of duplicate transactions with my financial software. Talking to Intuit (Quickbooks and Quicken software), apparently they have very many TCF users complaining of the same issue.
I have spent the entire Labor Day weekend trying to help my elderly mother log into and create a Digital Bank account with TCF bank. I have tried to retrieve her account so that she can review her bank transactions since the month of June 2017, with no success. I along with my mom spent hours on the telephone with multiple TCF representatives giving us the same instructions to reset her password in order to log onto her checking account. After the password was created and then entered, the system and she is still unable to log onto her account. A representative instructed me to take my mom to a local branch of TCF to get a new password for her digital banking account.
Mom and I went into a local branch office and the bank representative was unable to log onto my mom's account or to reset her account. Mom was told once again to wait for a link to be emailed to her so that she can reset her account. It has been 24 hours and no link has arrived by email yet. I contacted the local TCF branch that we visited on yesterday and was told that another link would be emailed within a couple of hours. It has been a couple of hours and the link still not has arrived. I have spent over an hour today, trying to access her online account with her and trying to enroll her in digital banking with no success. I have an advanced degree and cannot help my mom to access her account. My elderly mother is beyond upset that she is unable to access her account online to monitor her transactions. My mom was informed that if she continues to receive a paper statement of her bank transactions she will be charged a monthly fee.
On two separate occasions I have had a need to contact the customer service department. On both occasions I was on extremely extended holds exceeding 30 to 45 minutes. I went to a branch today at around 12:15 p.m. and was shocked to see that there were only two tellers in the branch which is ridiculous as Social Security checks are typically issued right around today's date. Even if checks aren't issued with today's date again there's insufficient staff specifically at lunch time. I left the branch not having completed my transaction because of the shortage. I have found on several occasions both in the branches as well as on the phone they are not staffed properly. This will probably be a contributing factor to me probably leaving TCF Bank. Promotions do not make up for the time one has to wait to speak with a person either face-to-face or over the phone.
I have had purchases made on my debit card on several different occasions and the bank notified me immediately to see if it was me. They immediately cancelled the card and took care of everything. They are much more effective than LifeLock who I had at the same time and never alerted me once.
TCF Bank has made it mandatory for customers to switch to their new system. Seven days ago I made this change for my Business accounts and several other personal accounts. TCF HAS NOT PERFECTED this change over. My accounts are not linked and I CANNOT see any transactions. As a business owner, I need to do things like PAYROLL, STATE TAXES and VENDOR PAYMENTS. I have called four different days and keep getting the same answer. We are sorry and this should take up to THREE business days to correct the problem. This is day 6. Payday was Saturday, State Taxes are due Today. The best TCF can do for me is to have me go to a branch and they can run a manual transaction report. Did I mention that I am a Small Business? I do not have time or staff for me to leave and go to the bank. This is SAD. I am disappointed in this change over. I have been a TCF customer for over 20 years.
Starting from the year 2011, I've had many issues with TCF Bank, and they're costly overdraft fees. I was told I could not opt out from this service, and have tried to close my account on many occasions. This bank preys the most on college students, and is not clear even on paper on how they operate to constantly take money directly from college kid's bank account. They also prey on those that reply on SSI and/or SSA to survive. They target them as a part of their first set of victims to "balance the books". Customer service is extremely unhelpful, and even the loyal consumers they've had for years still receive no benefit, nor announcement of when their actual "cutoff" time is per day to even give their clients the opportunity to fix this to avoid yet another fee.
This bank does a great job at keeping their consumers in the dark about any, and all new policies they seem fit to impose on their customers. The university I use to attend has even cut ties dealing with this bank about a year ago. Something must be done to keep this financial institution from further taking advantage of its customers. It truly makes sense to have the name TCF Bank, as it seems to hold the title of "Thieves, Criminals, and Thugs Bank" as an appropriate description of their reputation.
I recently about a month ago closed my checking account with TCF Bank in person, and got involved with another, including setting up a new checking account with my new current bank. However, I learned a month after “closing” the TCF Bank account, I discovered that TCF Bank never in fact closed my account, and there was money sitting in it. If I would have never randomly out of the blue decided to check that old account online I would have never known. I was told they don’t need to inform a customer of a situation like this. Due to this mistake, I was charged overdraft fees by my new bank due to the old account not being closed leaving that money to be able to enter the new account. Yes, I called and went in person for both banks, and also spoke to my employer and direct deposit.
After reading a number of reviews I have seen no mention of the latest TCF pitfall their migration to their new TCF Bank New Digital Banking online system. Because of how much TCF changed the online experience and even worse; a cardinal rule - never, NEVER failed to migrate over someone's history. Never, NEVER give them something and then take it away. HORRIBLE IDEA. On the previous TCF Bank online system was simple to use and I had all my payee setup (no different from today or I'm sure other banks) but the configuration stored all of my historical e-bills for all my payees (all utilities, credit cards, etc.).
But when TCF migrated to their new Digital Banking online platform they FAILED to bring over all of the historical payee e-bills. Which I use to reference all historical payee bills to compare current bills. And once a new payee bill was received it would auto-populate the payee amount when I wanted to pay the new received bill. I didn't have to spend any effort looking at the PDF of the bills or guess the amount to pay. Loved that feature and both are gone with their new Digital platform. Well I might as well just start over with a new online banking experience since it appears TCF didn't want to keep my history which there now history. Honestly I was as a long-time satisfied customer for over 15+ yrs and once they botched the migration to the new system - I'm gone. Might was since all my payee and payee history is gone - time to start over. Thanks TCF.
I've been using TCF online for yrs and they've decided to change thing for the worse. I have bank accounts at other banks and they all seem pretty similar. TCF has decided to come out with a new system that must have been written by a child that's never had a banking account. It's always bothered me that you need to keep a running tally in your head or on a separate piece of paper while you are paying your bills because instead of telling you what's remaining in the account you're drawing your outgoing payments from, it's telling you the amount of the payments AFTER you've made them.
The new system has rectified that, it only allows you to pay your bills 1 at a time, you need to wait while it loads between each payment and then not only does it not keep a tally at all it give you no indication whatsoever as to which bills you've paid and which haven't been paid. So hopefully when you sit down to pay 10 bills you have 10-15 uninterrupted minutes because instead of just clicking on 10 boxes like before and paying your bills in 20 sec you now need to pay close attention and there's no way to start over if you don't remember exactly where you left off.
Wow I wish I had came here before opening account at TCF Bank. Where do I start; complaint. No1, this bank main source of income is overdraft fees, which they numerous ways of getting it out of you. One of the many of their tactics is pretending to cover a charge and then later you find out that they really never paid it. So then they credit it back to your account and now they can charge you a NSF fee $37, for nothing. So I spoke to a so called supervisor who told that their so called opt in clause, you know line of ** they give you that suppose to cover charges in case of overdraft plus the fee mind you. So you agree to that opt in, sounds good right. Until you find out that they really don't pay the charge even if you are over by 3 cents. But they do get the fee for not covering the charge. She told, "Oh it's not a guarantee that we cover." So I said, "Isn't that a bait and switch?"
I have had nothing but one bad experience after another. They hold your account processing up until they can figure out how to rob you. By delaying processing time, you can't accurately access your balance, so that means that someone is in a back room looking over your account with a fine tooth comb trying to see how they can manipulate your account and steal your money. Straight up crooks, please stay away, I'm doomed.
This bank does everything they can to get your money and hold on to it. I opened an account through the University of Minnesota when I started there as a graduate student, thinking it would be convenient. It wasn't. From poor online services to lack of ATMs, this bank makes everything a hassle. I closed the account a few months later and moved to a credit union, pleased to be finished doing business with them.
At the end of the academic year, I received two lump sum payments for my summer salary to cover me while I did field work in Africa. I waited and waited for the first payment and couldn't figure out why I hadn't received it. Finally tracked down help in Accounting and they told me the money had been deposited to my closed TCF account incorrectly. Rather than reject the deposit as any logical entity would, TCF Bank had reopened the account without my consent to take the deposit.
So I went to a branch, made them give me the funds, and reclose the account with instructions NOT to accept any further deposits on my behalf. I also told UMN which account to use, but somehow they sent the second, larger payment to the wrong one again, and guess what... TCF Bank not only accepted it but blocked my online access to it! So here I sit in Africa without any way to access my summer salary until I return. Strongly advise against using this bank.
I will make my story short and straight to the point. If you want to save some money stay away from TCF BANK. This bank is manipulating the transactions that you made to push your account into overdraft. They will put/prioritize the big transactions first even though it's just been transact and leave the small transactions that has been there for 4 days. When I called them to complain about it, their answer is they can't control that because it is the merchants call when are they going to take their money. So long story short if you're trying to balance your money you have to wait 4 days before doing another transaction. So if you're broke and live paycheck per month please stay away from this bank. You're going to save a lot of money and stress. And by the way, I wish there is some sort of committee that investigate this or do some experiment about this case and I am very happy to join and share everything what I have. Thanks and have a good day.
My girlfriend ordered some face cream for $5. It was supposedly a sample. But hidden layers into the internet ad, was a hook saying that if you didn't return the cream you would be billed for $195. Our account got billed for the $195 and TCF would not give us our money back. I applied to their consumer fraud department twice and even talked to the store manager on Robert Street TCF. This despite there being tens of thousands of people ripped off by this face cream company on the internet. Then my account had about $700 taken out of it over three withdrawals from somewhere in Africa. I missed these, my mistake I know, but you would think they would have some safeguards in place to catch this sort of fraud?? Like credit cards do?? I went to them about 6 months later and they told me, "Too late, and too bad".
I left their bank immediately never to return. And I deposited upwards of $160,000 per year into their bank, just from my credit card receipts from my moving business. They lost a lot of business. I now bank with a credit union, have a new car loan and will be buying a house soon. Too Bad TCF is run by such low life idiots. They deserve to fail. They also charge $30 to cash a $1200 check, drawn from their bank. They are crooks and slimeballs of the worst order. And yes they do process the most expensive overdrafts first. My girlfriend still banks there and she had this very same problem a couple of weeks ago. They actually gave in that time, as I told them that the practice was essentially illegal, outlawed by the Dodd Frank Act. At least I think it was outlawed. I swear I read that somewhere. Anyway, I do hate TCF with a passion!!!
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