TCF National Bank Misleads customers and consistently charges excessive overdraft fees Minneapolis, Minnesota

TCF bank cancelled my check card on 08/09/2010 with NO PRIOR NOTICE for what they described through customer service as ATM abuse. According to them on 08/10/10 I had excessive overdrafts through the atm. This did happen, ONE TIME in more than two years with this company on 07/28/10. I went to buy milk for my kids at a grocery store and 12 days after this overdraft through the atm they cancel my card without calling or contacting me. $1390.00 was direct deposited 5 days after this overdraft. Customer service said i had to go to a branch and order a new card as their was nothing they could do about it, that a new card HAD to be issued, even after speaking to Susan N. the supervisor.Upon getting to a branch(in Buffalo, Mn.), the manager quickly re-activated my card,said that the reason they cancelled it was because i made an "empty envelope" deposit through the atm. Upon proving to her that I had actually had 3 personal checks in that envelope, she then said it was cancelled because I could not make 2 party deposits through the atm.So first i was lied to about HAVING to have a new card issued, then i was lied to about why they supposedly cancelled the card(excessive overdrafts) by customer service. Then at the branch the manager insisted i deposited an empty envelope(another lie), then swiftly gave another reason why(2 party check) when i proved it wasnt an empty envelope.
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