• Report: #445957

Complaint Review: Tcf Bank

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  • Submitted: Wed, April 22, 2009
  • Updated: Thu, April 23, 2009

  • Reported By:Chicago Illinois
Tcf Bank
www.tcfbank.com Nationwide U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Tcf Bank NSF Charges, Withdrawing Money Chicago, Illinois

*Consumer Suggestion: Better Late Than Never- for new readers

*Consumer Comment: Question

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Tcf Bank just pulled a pretty awful maneuver on me. They took all the money out of my checking account ($187) to cover a business account of my father which was overdrawn and apparently has my name on it (even though I never signed anything or knew about it) and then charged me $105 dollars worth of fees to cover about $25 dollars in purchases that I made while I still thought I had money in my account and transferred in $150 to replace the money they had taken away.

I called customer service and spoke to two different people, where it was explained that even thought i still had money in my account their new policy after april 1st. was to withhold money for charges that had not gone through yet as though the funds were not available. They then offered to take half the amount off the fees.

So they took money from my account without notifying me, then charged me $105 for $25 dollars in NSF charges even though there was about $40 in my account. They then reduce the charges by half to $50 and act as though they're doing me a favor?

I am tired of all the hassle that has come with my TCF bank account. I always feel like money is being extorted from me when they charge $35 so that I could have the luxury of over drafting my account for a cup of coffee. They have swept to a new low by swiping all the money from my account for "Loss prevention" and then charging me for not having money in my account, even though the debit charges were made prior to them taking the money and my account still had money in it.

I am going to close my account this weekend, and i advise you never to open one. Get a respectable small bank, and save yourself some grief. Tcf bank is like a friend who is crashing on your couch, eating all your food, and still acts like they're doing you a favor by giving you a few bucks from time to time. They, like the friend in the above example, will continue to profit off of your time and energy until you finally give them the boot!

Blayne
Chicago, Illinois
U.S.A.

This report was posted on Ripoff Report on 04/22/2009 06:22 PM and is a permanent record located here: http://www.ripoffreport.com/r/Tcf-Bank/nationwide/Tcf-Bank-NSF-Charges-Withdrawing-Money-Chicago-Illinois-445957. 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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0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Better Late Than Never- for new readers

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

This week TCF used 3 unauthorized pending debits to bounce $175 worth of checks (that would have otherwise been covered) and then bounced the same pending debits when two posted the next day, the third a day later for another jackpot of $105. They refused to stop payment on the pending debits (why?) and made me fill out a bunch of papers and said it would take 10 days. They told me they would cancel my card and cut it up (add 10 days for another card). Today I find out that they did not cancel my card that day, my insurance payment bounced and was returned (I had told them it would be declined), so that caused me a charge from them as well as another $35 from TCF. This weeks total is $350 in nsf charges. I am writing to my Attorney General, Federal Trade Commission and TCF Corporate. I am posting this on all TCF complaints - you should copy and paste your post also if you have time. This is the reason...

The "make money from home" drones. I always wondered what that was all about. You should be getting around to 10 or more comments scolding you, some out-and-out insulting you. Example: Read your contract, blah,blah. // If you don't know how to manage a checking account you shouldn't have one. // Some will give you their sage explanation or technical logic of how the system works and how you can avoid this problem like you're an idiot. Just ignore them, especially the ones who mention check registers as they are useless when dealing with TCF. They conveniently removed the time of transaction off the account summary. Why would they do that? Proof that your money was in the bank when you used your DEBIT card maybe?

I finally figured it out when I posted a "ripoff" report on Discover card ... - every post was pro-Discover. People calling me a deadbeat, etc. I thought it was strange that so many people were sitting around defending Discover card in one night. It hit me as I was thinking "is somebody paying these people or what?" Ya, probably per post. So now, when I have a little extra chill time, which is not real often because I have a real job, I dedicate it to supporting honest hard working people getting ripped off and trying to prevent others from the same misfortune.
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#2 Consumer Comment

Question

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

Is your father a signer on your account? If so, that's how they got you. If he is not, ask them to produce the documentation that shows you are on the business account. If they can't they are going to have to make you whole.
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