• Report: #863803

Complaint Review: TCF Bank

  • Submitted: Wed, April 04, 2012
  • Updated: Wed, April 04, 2012

  • Reported By: ritzzyyy123 — crystal lake Illinois United States of America
TCF Bank
Rt. 14 (Inside of Jewel) Crystal Lake, Illinois United States of America

TCF Bank 1800-TCF-Bank Disgusting customer service and customer abuse. Crystal Lake, Illinois

*Consumer Comment: I agree

*Consumer Comment: You're not ready for a checking account

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When i first opened this account, I was told I get a 24/hr grace period for overdrafts. I got a notice that I was overdraft by $45.00. I knew I had this grace period so i went in the next day to take care of it, only to find $96 in overdraft fees. The manager was reluctant, but eventually gave me back the fees after explaining what was wrong. Next thing I know, two months later, I am charged $15.00 for using my card as a debit when I was told to only use as a debit!

Well, what BOBBY, the branch manager meant to say, was use it as a credit. They're mistake right? Nope. Apparently it was mine. I paid the $15.00 and left it alone. NOW, this month, I look at my account and I was charged $9.00 for an ATM transaction. BOBBY said that TCF Bank charged double or even triple atm fees!!! My total for all atm transactions was a whopping $50! I got furious because the lady that answered my call, (MONICA) called me unruly.

SO, i called corporate AGAIN. Did i get my $50.00 back? Nope. They have me a measly $9 back. Big wow. Now, just two weeks later, I go into my branch and take out all the money in my account, clearly saying to the woman, "MINUS PENDING TRANSACTIONS". She gave me my money and i went on my way. Now a day later, I get a notice that my account is -115$. WHAT?! I haven't used my card!

Take a look at my account, they charged me $74.00 in overdraft fees for a -41$ balance, because of a pending transaction. Didn't i tell the woman"MINUS PENDING TRANSACTIONS"? I guess they're deaf over there too. So, i call the branch AGAIN and speak to MONICA who again, was rude and said shed have Bobby call me. (Riiiiiiiight) So, i called corporate yet again, and i talked to three different people, all saying the last incident was MY FAULT! There is NO BANK ERROR! Did i get my money back? Nope.

I have had it. This has been an absolute nightmare with this company! DONT EVER BANK AT TCF!!!

This report was posted on Ripoff Report on 04/04/2012 11:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/TCF-Bank/Crystal-Lake-Illinois-60014/TCF-Bank-1800-TCF-Bank-Disgusting-customer-service-and-customer-abuse-Crystal-Lake-Illi-863803. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

I agree

AUTHOR: Stacey - (U.S.A.)

You are not mature enough to have a bank account.  Guess you did not keep a register to keep track of your deposits and debit charges.  I suggest you deal with CASH for awhile because it will help you to keep track of your monies.
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#2 Consumer Comment

You're not ready for a checking account

AUTHOR: coast - (USA)

"Take a look at my account, they charged me $74.00 in overdraft fees for a -41$ balance, because of a pending transaction."

It was an outstanding transaction. You are responsible for knowing which transactions have cleared and which transactions are outstanding. The error was 100% your fault.

You are not emotionally mature enough to maintain a checking account. Try again in a few years.
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