• Report: #816743

Complaint Review: TCF Bank

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  • Submitted: Mon, January 02, 2012
  • Updated: Wed, January 04, 2012

  • Reported By: Bognetta — Woodbury Minnesota United States of America
TCF Bank
8432 Tamarack Village Woodbury, Minnesota United States of America

TCF Bank Take Cash Flow Switch-O-Change-O Woodbury, Minnesota

*Consumer Comment: Eagerly awaiting your next ROR...

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Dec. 22, my accounting mistake due to not recording a gas purchase, so my account was under 7.58
Dec. 24, I came in to put 200.00 and got a record of my transactions to see my mistake.  So I went to the banker on duty to see whether I could have a reversal of the 28.00 overdraft fee.  I was successful (and I thought all was merry and bright), however...
The overdraft fee read that I was under 35.58 on Dec. 23, therefore...
Dec. 26, I went in to cash a check from my Dad for 40.00, and since I'm a pessimist, got another report of my transactions.  I was informed there was another overdraft fee of 28.00 plus a monthly maintenance fee of 9.95 because I did not have 15 transactions in a month (which was 10 when I opened it, but they somehow changed the rules.
Dec. 26, I closed the account, but I had to pay 25.00 out of my Dad's Christmas money check just to make everything square again!!!
The reversal of the 28.00 overdraft fee was a nice gesture, but it was not a forgiveness of it!!!
This bank will stop at nothing to eat your hard earned money or Christmas gift money.  I was lucky because if I had not had my suspicions, I would have missed an opportunity to close these clowns down on Dec. 26 and I would have been left with an aftermath of unfair and fraudulent stacking overdraft fees unknown to me until maybe January!!!  I signed up for a college checking/savings package and the overdraft fee on that according to their website is 2.95 a month, not 9.95 a month for falling under the expected transactions a month.  Also, the website reads 10, not 15!!!

This report was posted on Ripoff Report on 01/02/2012 08:06 AM and is a permanent record located here: http://www.ripoffreport.com/r/TCF-Bank/Woodbury-Minnesota-55125/TCF-Bank-Take-Cash-Flow-Switch-O-Change-O-Woodbury-Minnesota-816743. 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

Eagerly awaiting your next ROR...


on your new account.

BTW, "my account was under", translated, means overdrawn or NSF.
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