- Report: #630454
Report - Rebuttal - Arbitrate
Complaint Review: TCF National Bank
TCF National Bank801 Marquette Ave. S., Minneapolis, Minnesota United States of America
TCF National Bank Misleads customers and consistently charges excessive overdraft fees Minneapolis, Minnesota
*Consumer Comment: Ideas
*Author of original report: tcf continues manipulation and excessive fees by improper posting of debits and deposit credits.
*Author of original report: bank replied
*Consumer Comment: not the fault of the bank
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Also, this bank as recently as 07/29/2010 continues illegal practices of backing up higher amounts of checkcard usage and checks so that smaller items will bounce, even after checking online to make sure items have posted. when confronted in a branch located in Buffalo, Minnesota about having checked online to make sure one thing was posted before using the card for a smaller purchase, of which funds were available, the reply was "dont trust what it says online." Well what the heck is the online service for? The following are the dates and amounts of the overdrafts this bank has charged me. At the very minimum, 80% of these overdraft fees were charged to me after a larger amount was "backed up" to make the smaller amounts bounce, or it indicated online that the larger amounts had posted, then the overdraft fee would bounce the other amounts charged. I will go back only one year on here due to limited space. This is a crime. Starting most recently back;on 7/29/10-$70.00,7/21/10-$70.00,6/15/10-$70.00,6/14/10$140.00,4/28/10-$35.00,3/3/10-$35.00,3/2/10-$140.00,3/1/10-$35.00,.2/25/10-$35.00,2/24/10-$70.00,2/23/10-$105.00,2/15/10-$70.00,2/11/10-$70.00,2/3/10-$70.00,2/2/10-$35.00,1/28/10-$105.00,1/27/10-$70.00,1/26/10-$70.00,1/25/10-$70.00,1/5/10-$35.00,1/4/10-$35.00,12/31/09-$70.00,12/30/09-$35.00,12/29/09-$175.00,12/23/09-$35.00,12/7/09-$35.00,12/3/09-$70.00,11/25/09-$35.00,11/10/09-$35.00,11/6/09-$35.00,11/5/09-$70.00,11/4/09-$35.00,11/3/09-$175.00,10/28/09-$35.00,10/28/09-$35.00,10/23/09-$70.00,9/30/09-$35.00,9/29/09-$35.00,9/25/09-$35.00,9/24/09-$70.00,9/16/09-$70.00,8/4/09-$70.00. This is only in the past year. I could go back another year but dont have enough space. All these fees equal $2695.00 just in the last year. The majority of them because of TCF's tricky little ways of backing things up or posting, then "unposting." Then charging fees so anything else coming in gets a fee as well.
Additionally, I had identity theft through this bank on 06/14/2010 and virtually the EXACT same thing happened to me that happened to the guy on TCF National Bank Review/Rip Off Report # 233027. Tcf first told me a reversal would happen in three days, then up to 10 days, then after 10 days they said I needed to fax in a request and it would take 10 more days before my account gets reimbursed. Now somehow(and quite conveniently) the dates of these transactions are altered on TCF's online banking. I have direct deposit and it is a major hassle for my employer to switch locations as it is a local office that has payroll through a national headquarters or i would have quit TCF
This report was posted on Ripoff Report on 08/10/2010 10:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/TCF-National-Bank/Minneapolis-Minnesota-55402-2840/TCF-National-Bank-Misleads-customers-and-consistently-charges-excessive-overdraft-fees-Mi-630454. 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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