• Report: #1044952

Complaint Review: TCF National Bank

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  • Submitted: Sat, April 20, 2013
  • Updated: Sun, April 21, 2013

  • Reported By: Parent of UIUC student — Carbondale Illinois
TCF National Bank
800 Burr Ridge PKWY Burr Ridge, Illinois United States of America

TCF National Bank NSF Charge Ripoff $185 in 3 days Burr Ridge, Illinois

*Consumer Comment: d great jeansky

*Consumer Comment: comment

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My son was charged $37 insufficient funds fee 5 times (total $185) despite deposting funds exceeding the negative balance prior to at least three of the transactions for which he was penalized. The tellers he talked to acknowldge this - they gave him receipts showing +ve balance, but maintain that transactions prior to clearing of checks still incur the $37 penalty regrdles of what is showing as his account balance. They would not let my son, a freshman away from home, see the Bank manger or anyone else who may have the descretion to waive these ridiculous fees. I know the fine print he signed stipulated this fee, but should they not have warned him that he will be charged if he makes use of the money he deposited which was showing as positive balance? Paying $185 for withdrwals totaling less than $30 seems total ripoff .. does he have any recourse?

This report was posted on Ripoff Report on 04/20/2013 08:49 PM and is a permanent record located here: http://www.ripoffreport.com/r/TCF-National-Bank/Burr-Ridge-Illinois-60527-5618/TCF-National-Bank-NSF-Charge-Ripoff-185-in-3-days-Burr-Ridge-Illinois-1044952. 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

d great jeansky

AUTHOR: The Outlaw Josey Wales - ()

now a banker with all d answer, how stupid
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#2 Consumer Comment

comment

AUTHOR: Jeanski - ()

It seems to me that he doesn't need permission to talk to the bank manager, who might be more understanding of a young person with limited experience in managing a checkbook. He should go back and talk to the CSR or call the bank's 1-800 number.

Your son will learn a few valuable lessons here: First, if you deposit checks you generally have to wait for them to clear before you can access the funds. Second, you can't rely on the online information, because it will show the checks as deposited in his account, and sometimes as having the funds available even if they're not. My credit union shows them as "pending" until they clear.

Unfortunately, he really doesn't have any recourse unless the bank's main customer service reps want to help him.
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