I have been with TCF bank for about 3 years now. I have always had problems with them- once they closed my savings account for no reason and took the money out of it and would not give it back. But I have always been really careful not to overdraw my account. Here's my story: About a week ago I bought a concert ticket online from Ticketweb. During the transaction they accidentally charged me twice due to the wrong zip code. The ticket cost $41 dollars so before I made the transaction I had made sure that I had enough money in my account (I had $51). The next day, I looked at my online statement and realized that Ticketweb had charged me twice and that second charge had made me go under by $31. Oh NOO!! So I called Ticketweb and they told me they would take it off in 3-5 days, and the second charge was in the "pending transactions" box online (never left it).
Well, within the next day I went to check my statement online again and TCF bank had racked up $205 in NSF fees!! I immediately called the 800 number and explained it to this woman, she told me that since it was not a bank error that she could only reverse half the money (after I had b***hed and b***hed for about half an hour). She explained to me that they were doing me a huge courtesy by reversing half of the money that THEY stole from me. Anyway, the next day I went into a TCF bank location near my apartment. The man told me that I needed to talk to Ticketweb and that they were responsible for paying me back. I thought it was ridiculous but I decided to try it anyway. I called Ticketweb and to no surprise told me that they weren't responsible.
I then proceeded to call back that bank and explain my situation once more. A different woman told me that I should go to the location where I opened my account and talk to them. So...I walked straight over there and talked to the "manager" and explained to her my situation. She told me the same thing: It wasn't a bank error, the $105 reversal was a huge courtesy to me because customers are only allowed one NSF fee reversal per year.. blah blah blah. I explained to her that I did nothing wrong- I was being responsible by making sure I had enough money in there to pay for the ticket and by something that was completely out of my control happened to overdraw my account. On the statement that she printed out for me you can CLEARLY see that at no point did I actually go under UNTIL TCF charged me a $140 fee. It's incredibly ridiculous. I forgot to mention that the second day this was happening I deposited my paycheck of $152 into my account to pay for the rest of the fees and get me back up to positive- this by the way was plenty enough money to get me out of the hole (that was more than a week ago) Yesterday I check my account and TCF charged me ANOTHER $70 fee!! I called the 1800 number once again and some lady told me that I had overdrawn and blah blah blah when, once again, I really had not. I'm going to close all my accounts today and tell them to screw themselves.
I want to know if there is anything I can do to get my money back?? In total they have stolen $175 from me. It breaks my heart that my bank would do this to me. Can anyone help?? Class action law suit??