This business is not BBB accredited.

T C F National Bank Minnesota

Additional Locations

Phone: (612) 823-2265 Fax: (763) 337-8520 View Additional Phone Numbers 801 Marquette Ave, Minneapolis, MN 55402 http://www.tcfbank.com View Additional Web Addresses


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BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for T C F National Bank Minnesota include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 471 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

471 complaints closed with BBB in last 3 years | 104 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 191
Billing/Collection Issues 97
Delivery Issues 38
Guarantee/Warranty Issues 6
Problems with Product/Service 139
Total Closed Complaints 471

Customer Reviews Summary Read customer reviews

14 Customer Reviews on T C F National Bank Minnesota
Customer Experience Total Customer Reviews
Positive Experience 3
Neutral Experience 0
Negative Experience 11
Total Customer Reviews 14

Additional Information

BBB file opened: January 01, 1970 Business started: 01/01/1923 Business started locally: 01/01/1923
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Minnesota Secretary of State
180 State Office Bldg, 100 Rev. Dr. Martin Luther King Jr. Blvd., Saint Paul MN 55155
http://www.sos.state.mn.us
Phone Number: (651) 296-2803

Minnesota Department of Commerce
85 7th Pl E Ste 500, Saint Paul MN 55101
http://www.commerce.state.mn.us
Phone Number: (651) 539-1500
general.commerce@state.mn.us

Business Management
Joe Green, General Counsel Mark Jeter, President Customer Service, Owner/Manager
Contact Information
Principal: Joe Green, General Counsel
Customer Contact: Customer Service, Owner/Manager
Business Category

Banks

Alternate Business Names
T C F Bank T C F FinancialCorp TCF Mortgage TCF National Bank -IL Twin City Federal Twin City Federal Mortgage
Products & Services

According to information provided by TCF National Bank Minnesota offers retail, personal, and commercial banking services.


Customer Review Rating plus BBB Rating Summary

T C F National Bank Minnesota has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 W Cty Rd B

    Maplewood, MN 55117

  • THIS LOCATION IS NOT BBB ACCREDITED

    1001 4th St S E

    Saint Cloud, MN 56304

  • THIS LOCATION IS NOT BBB ACCREDITED

    10520 France Ave S

    Minneapolis, MN 55431

  • THIS LOCATION IS NOT BBB ACCREDITED

    1059 Meadowlands Dr.

    White Bear Lake, MN 55127

  • THIS LOCATION IS NOT BBB ACCREDITED

    1198 Vierling Dr E

    Shakopee, MN 55379

  • THIS LOCATION IS NOT BBB ACCREDITED

    12920 Riverdale Dr N W

    Coon Rapids, MN 55448

  • THIS LOCATION IS NOT BBB ACCREDITED

    14075 Highway 13 S.

    Savage, MN 55378

  • THIS LOCATION IS NOT BBB ACCREDITED

    1440 University Ave W

    Saint Paul, MN 55104

  • THIS LOCATION IS NOT BBB ACCREDITED

    15350 Cedar Ave

    Apple Valley, MN 55124

  • THIS LOCATION IS NOT BBB ACCREDITED

    1760 County Road 42 W

    Burnsville, MN 55337

  • THIS LOCATION IS NOT BBB ACCREDITED

    1801 Market Dr.

    Stillwater, MN 55082

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    19216 Freeport St NW

    Elk River, MN 55330

  • THIS LOCATION IS NOT BBB ACCREDITED

    1940 Cliff Lake Rd

    Eagan, MN 55122

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 E. Lake St.

    Wayzata, MN 55391

  • THIS LOCATION IS NOT BBB ACCREDITED

    2001 Robert St S

    Saint Paul, MN 55118

  • THIS LOCATION IS NOT BBB ACCREDITED

    2050 Northdale Blvd

    Coon Rapids, MN 55433

  • THIS LOCATION IS NOT BBB ACCREDITED

    2100 N Snelling Ave

    Roseville, MN 55113

  • THIS LOCATION IS NOT BBB ACCREDITED

    213 Chestnut St E

    Stillwater, MN 55082

  • THIS LOCATION IS NOT BBB ACCREDITED

    216 W 7th St

    Monticello, MN 55362

  • THIS LOCATION IS NOT BBB ACCREDITED

    2195 Old Hudson Rd.

    Saint Paul, MN 55119

  • THIS LOCATION IS NOT BBB ACCREDITED

    2390 White Bear Ave N

    Maplewood, MN 55109

  • THIS LOCATION IS NOT BBB ACCREDITED

    2423 Highway 3 S

    Northfield, MN 55057

  • THIS LOCATION IS NOT BBB ACCREDITED

    250 33rd Ave. S.

    Saint Cloud, MN 56301

  • THIS LOCATION IS NOT BBB ACCREDITED

    2900 W Hwy 13

    Burnsville, MN 55337

  • THIS LOCATION IS NOT BBB ACCREDITED

    3245 Cty Rd 10

    Brooklyn Center, MN 55429

  • THIS LOCATION IS NOT BBB ACCREDITED

    3550 Vicksburg Ln. N.

    Plymouth, MN 55447

  • THIS LOCATION IS NOT BBB ACCREDITED

    3717 Lexington Ave. N.

    Arden Hills, MN 55126

  • THIS LOCATION IS NOT BBB ACCREDITED

    3784 150th St. W.

    Rosemount, MN 55068

  • THIS LOCATION IS NOT BBB ACCREDITED

    3930 Silver Lake Rd NE

    Minneapolis, MN 55421

  • THIS LOCATION IS NOT BBB ACCREDITED

    4205 Pheasant Ridge Dr NE

    Blaine, MN 55449

  • THIS LOCATION IS NOT BBB ACCREDITED

    4445 Nathan Ln N Ste D

    Plymouth, MN 55442

  • THIS LOCATION IS NOT BBB ACCREDITED

    4801 Cty Rd 101

    Minnetonka, MN 55345

  • THIS LOCATION IS NOT BBB ACCREDITED

    5301 36th Ave N

    Crystal, MN 55422

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    585 Northtown Dr NE

    Blaine, MN 55434

  • THIS LOCATION IS NOT BBB ACCREDITED

    5937 Nicollet Ave

    Minneapolis, MN 55419

  • THIS LOCATION IS NOT BBB ACCREDITED

    6775 York Ave S

    Edina, MN 55435

  • THIS LOCATION IS NOT BBB ACCREDITED

    705 W. Broadway Avenue

    Minneapolis, MN 55411

  • THIS LOCATION IS NOT BBB ACCREDITED

    720 4th Ave S

    Saint Cloud, MN 56301

  • THIS LOCATION IS NOT BBB ACCREDITED

    7435 179th St. West

    Lakeville, MN 55044

  • THIS LOCATION IS NOT BBB ACCREDITED

    7555 W Broadway Ave

    Brooklyn Park, MN 55428

  • THIS LOCATION IS NOT BBB ACCREDITED

    800 Burr Ridge Pkwy

    Burr Ridge, IL 60527

  • THIS LOCATION IS NOT BBB ACCREDITED

    801 Marquette Ave

    Minneapolis, MN 55402 (612) 823-2265

  • THIS LOCATION IS NOT BBB ACCREDITED

    8015 Den Rd

    Eden Prairie, MN 55344

  • THIS LOCATION IS NOT BBB ACCREDITED

    8150 Wedgewood Ln N

    Maple Grove, MN 55369

  • THIS LOCATION IS NOT BBB ACCREDITED

    8432 Tamarack Vlg

    Saint Paul, MN 55125

  • THIS LOCATION IS NOT BBB ACCREDITED

    8690 E Point Douglas Rd S

    Cottage Grove, MN 55016

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

8/20/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Five of my TCF bank checking accounts were closed by the bank without any warning (The accounts include my business and my children's, anything related with my SSN). And when I asked a manager at local branch for the reason, the answer was they did not like the survey I submitted not long ago, and it was a business secrete on which survey items that caused the decision to close my accounts. Horrible!!, I have dozen of auto-pay and auto-withdraw services/business tied up with the closed accounts and some of them already bounced back with big penalties. Even worse, the bank closed the accounts on 7/27 and I received the notice on 7/29, right before the beginning of new month when many auto-withdraw executes, leaving me with no time to stop them and resulting many penalties and enormous trouble I have to go through on stopping auto-pay payrolls for salaries, bills, and creating new bank accounts for my family members and my business, all in a big hurry. I have been banking with TCF for over 20 years, have never given any trouble and always its "Valued customer", but suddenly encountered such rude treatment. Terrible behaviors by the Bank !!!

Desired Settlement: The bank should restore the closed accounts back to their original operational status, with the same balances (I will close them later at a time of my choice.), and pay all penalty charges that incur because of this event.

Business Response:

August 8, 2016

 

******** **

***** ****** *** *

Burnsville MN  55337

 

Re:      BBB case #********

 

Dear Mr. **,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the closure of your accounts and the service you received when attempting to obtain information from our team members. 

 

We regret if the service you received did not meet your expectations. TCF Bank (“TCF”) has a commitment to delivering a positive experience with each customer interaction. 

 

TCF, like other financial institutions, reviews information to ensure that we have a reasonable level of understanding regarding each customer’s banking relationship.

 

As part of this process, we sent you a questionnaire requesting additional information. We regret any confusion there may have been when we received your initial response; however, we needed clarification to finalize the request. When all of the information was not returned, your accounts were closed on July 20, 2016.

 

Our records indicate that we still need you to complete the questionnaire in order to complete our review. Please note that if this questionnaire is not returned, the accounts will remain closed. For your convenience, we have enclosed the questionnaire and a postage paid return envelope.

 

We also understand that you may have incurred fees due to transactions that attempted to be processed when the accounts were closed. So that we can further assist you, please provide documentation for our consideration in reimbursement of these fees.

 

Mr. **, we sincerely apologize for any inconvenience this caused you.

 

Sincerely,

 

 

Deborah Z

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau


8/19/2016 Problems with Product/Service
8/16/2016 Billing/Collection Issues
8/15/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I deposited a check into my bank, the TCF located inside jewel store on grand ave. and York rd. in bensenville, IL. I was told by the assistant manager, that he could deposit the check and withdraw $700 dollars for me to have available. I agreed, and he proceeded to process the deposit. Upon processing the deposit, he told me not only was he able to take the $700 out but the bank itself had made an additional $816.00 available aswell.. Stating I would now have $1,516.00 available immediately, and the remainder of my check would clear in the set 2 business days. I proceeded to the ATM, which was literally about 10 ft from the counter of the bank, and removed $220 cash. I received a reciept from the cash station, showing my withdrawal and the reflected $1,296.00 as my still available balance. This receipt was time stamped at 10:42 am on 07/22/16. I proceeded to call and set up several payments of bills I owed to withdraw their money from my account. About 45 mins after my transactions at bank and atm, I received a call from my car loan bank stating the payment I authorized was rejected and that 1. I would be receiving a charge for an improper/ failed payment attempt, and that as I had not made my payment by the "noon" payment arranged setup, I would be considered late and would incur an additional late fee and that my account would be considered in default and would be reported to the credit burea. I checked my bank account online and all of a sudden, I was showing over drafted and in the minus by $243.00! I called my TCF service number and spoke with several managers and "leads".. Who basically told me yes it was their error, but sadly tough.. To bad for me.. Sorry our system showed one thing and a manager told you one thing and then we changed our minds and removed your available funds.. And sorry even though it was TCF error you will still be responsible for overdrafts and so forth and that TCF cannot be held responsible for any fees incurred by other companies via, late fees, failed transactions, etc. I even went as far as to reutrn to the bank it occurred at to be told by the very assistant manager , "MARCO",that yes he told me this and the bank changed it after the fact and basically again, sorry tough. I even asked so what I should call the local police for fraud, which he responded, "Do what you gotta do"! Bottom line is one , I was lied to verbally, and then by the TCF automated system, as I have my receipt as proof it showed funds available, tried to correct the issue calmly through cutover service, and was treated like a piece of scum, when it was TCF mistake, as they admitted.. And then was basically told well yeah and I top of that, any incurred fees are your problem? As I told the asst. manager, before I deposited.. I needed theses bills paid today, and if he could not cash the check or make the funds available, then I would just take the check to a currency exchange and cash it for a fee.. And again I was assured, the funds would be available, and they were for about 25 mins.. Until the bank recanted its decision and caused my severe issues and many late fees and or failed transactions fee. Additionally, I still did not want to make a fuss and tried to find a corporate number , to which there is now, and when I asked the asst. manager, for one I was told they don't have one , and any number I do have for corporate are not for the publics use.. So this is why I have been forced to file this complaint, and hope to get my several hundred dollars in incurred late and failed transaction fees reimbursed, aswell as hold TCF responsible for the blemish to my credit score , and additionally my bank account shows a $1500 error in my favor? So all in all.. I need help to get my fees back and to figure out what, and why this occurred, and have TCF looked into for any other malicious oversights or negligent acts regarding my finances and any and everyone else who does business with them as their financial institution.

Desired Settlement: Refunded fees for the error from other agencies and companies for paying late. Adjustment to my credit report. Further review of TCF practices and proceed urea for fraudulent practices and breech of their very own terms of service and contract.

Business Response:

August 3, 2016

 

Mr. ******** ** ****

**** * ******** ******

Chicago, IL 60634-4034

 

Re:       BBB Case # ********

 

Dear Mr. ** ****,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the availability of funds in your TCF Bank (“TCF”) checking account.

 

TCF records indicate that on July 22, 2016 you deposited a check in the amount of $2,480, received $700 cash back and then deposited the $700 in cash back into your checking account ending in 6331 at our Jewel Osco Bensenville branch location.

 

TCF’s Terms and Conditions for Checking and Savings Accounts explain that the first $250 of a check deposit will be available on the day of deposit. The remaining funds will be available on the second business day after the day of deposit; in this case July 26, 2016. We are sorry for any miscommunication there may have been regarding the availability of your deposit. We have forwarded your comments to the appropriate manager for review.

 

We also understand that you may have incurred merchant fees due to the unavailable funds. So that we can further assist you, please provide documentation for our consideration in reimbursement of these fees. We have enclosed a postage paid envelope for your convenience.

 

Our records do not indicate that TCF has reported you to any of the credit bureaus. We understand from your inquiry that you may have been reported by your car loan provider, please contact them regarding any reporting they may have submitted to the credit bureaus.

 

Mr. ** ****, we thank you for sharing your concerns with us.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:       ***** ********, Mediation Coordinator, Better Business Bureau

8/15/2016 Billing/Collection Issues
8/12/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have a fradulent charge on my account which I opened a complain on today. After checking my account I noticed additional overdraft fees. I assumed the over drafts were for the fraudulent charge as well as the charge that was applied after that processed. I WAS WRONG. The overdrafts were for pended charges for the prior day- these posted to my account prior to the fraudulent charge! WHAT! What is that?! Researching this it appears TCF has been recognized as an institution that has been investigated for these types of charged including a high profile write up in a Twin Cities news source. I as assured by the rep that these would be taken in account for the fraud claim and credited- however that is not the issue- why would TCF pull deposits and already posted items in an order that depletes an account in a manner to maximize overdrafts. In addition to this I am forwarding my account screenshots and timeline to the MN Attorney General as well as the FTC- judging from a quick online search into this type of situation it is apparent this is highly specific to TCF...What a shame!

Desired Settlement: I want these fee's reversed and my claim hurried. I want an apology and an explanation as to how TCF feels this is a morally sound way to service their customers- you know the people that keep them in business.

Business Response:

August 1, 2016

 

Mr. ****** ********

*** ******** ***

Saint Paul, MN 55102-3314

 

Re:      BBB Case # ********
            CFPB Case # *************

 

Dear Mr. ********,

 

We received the inquiries you submitted to the Better Business Bureau and the Consumer Financial Protection Bureau.  We appreciate the opportunity to respond to your concerns.

 

You express concern regarding the resolution of your electronic transaction fraud dispute.

 

TCF Bank (“TCF”) records indicate that on July 21, 2016 you filed a dispute regarding an unauthorized debit card transaction that posted to your TCF checking account ending in ****. TCF completed research and paid your dispute. The $82.14 claim credit and an overdraft fee reversal in the amount of $148.00 were processed to your account on August 1, 2016.

 

The process for investigating electronic transaction fraud disputes allows financial institutions up to 10 business days from the date of notification to determine whether an error occurred. If the dispute requires additional research, this timeframe will extend to 45 calendar days from the date of notification. We regret any misunderstanding there may have been regarding the timeframe for resolving a dispute.

 

You also express concern regarding the manner in which overdraft fees were processed to your account. We would like to take this opportunity to explain why the fees were incurred.

 

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. The overdraft notice dated July 19, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was negative $63.96. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”).

 

Between July 20, 2016 and July 21, 2016 your account incurred $148.00 in overdraft fees. These fees were reversed by TCF on July 28, 2016 in connection with your electronic transaction fraud dispute.

 

Mr. ********, we thank you for taking the time to share your concerns.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      Laura ********, Mediation Coordinator, Better Business Bureau

            Consumer Response, Consumer Financial Protection Bureau

 

Enclosure: July 19, 2016 Overdraft Notice

8/6/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had someone steal my debit card information and charge the card with the card being in my custody, and yet the bank refuses and makes me wait over 10 days for results even thougjt you provide them with a police report and they can see the card being charged in diffrent cities around the same time i charged my card. How are they passing transactions like that go threw, and refusing to give credit till they are done investagating why should we have to wait 10-15 days to get out our own money

Desired Settlement: I would like my claims credit for my own money for transactions not authorized by me an apology from the bank as well as fees caused by other providors because of this matter

Business Response:

July 26, 2016

 

Ms. ***** *******

*** **** ***** **

Bartlett, IL 60103-1578

 

Re:      BBB Case # ********

 

Dear Ms. *******,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the resolution of your unauthorized transaction claim.

 

TCF records indicate that on July 12, 2016 you filed a claim disputing unauthorized debit card transactions that posted to your TCF checking account ending in ****. TCF completed an investigation and paid your claim. The $58.30 claim credit was processed to your account on July 19, 2016.

 

The process for investigating unauthorized transaction claims allows financial institutions 10 business days from the date of notification to determine whether an error occurred. If the claim requires additional investigation, this timeframe will extend to 90 calendar days from the date of notification. We regret any misunderstanding there may have been regarding the timeframe for resolving a claim.

 

We also understand that you may have incurred merchant fees due to the unauthorized activity. So that we can further assist you, please provide documentation for our consideration in reimbursement of these fees. We have enclosed a postage paid envelope for your convenience.

 

Ms. *******, we thank you for bringing this matter to our attention and trust that this resolves your concerns.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

7/31/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was assessed $296 in overdraft charges over the span of two days. I have opted out of overdraft services several times online but these charges were continuing to be processed for several days before I realized that my account was negative. I called the customer service call center and spoke to agent Abby. Though she was kind and courteous she informed me she was unable to reverse the charges. I requested to escalate the call and spoke to Wes. He was anything but kind: he said that I had gotten myself into this situation and told me he'd waive a minute fraction of the fees. He said I will still have to pay over two hundred dollars. I have been an account holder with this bank for four years and have never had a fee waived. I don't think that it is unreasonable to make this request after being a customer so long.

Desired Settlement: I would like the 296 dollars of overdraft charges reversed.

Business Response:

July 20, 2016

 

******* *******

**** * ******* ***

Mesa, AZ 85204

 

Re:       BBB Case # ********

 

Dear Mr. *******,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why overdraft fees were incurred in this instance.

 

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day.

 

Our records for your account ending in 3143 indicate that between July 12, 2016 and July 13, 2016 you incurred $296 in overdraft fees. On July 14, 2016, TCF reversed $74 in overdraft fees. Our records further indicate that on July 18, 2016 TCF reversed the remaining $222 in overdraft fees.

 

We apologize if the service you received from our Customer Service Line did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction.

 

You also state that TCF should not have allowed overdrafts on your account.

 

You state to have used our online banking service to Opt-Out of overdrafts on the account. When you opened the account on May 12, 2015, you asked TCF to pay ATM, everyday debit card transactions, checks, and ACH transactions that exceed your account’s available balance at the time of the authorization request. TCF does not have record of a request to change your overdraft election(s) date.

 

You may change your election(s) at any time by calling us at ###-###-####, visiting a TCF branch, using TCF’s online banking service, or using TCF’s ATMs (for ATM and everyday debit card transactions). Changing your election(s) may help you avoid overdraft fees in the future. 

 

Mr. *******, we thank you for sharing your concerns with us.

 

Sincerely,

 

 

Nash J.

Customer Response Representative

 

Cc:       ***** ********, Mediation Coordinator, Better Business Bureau

7/28/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On July 3rd called in and file a claim on my account totaling $612.00 file number ****** with TCF bank, I called in on several occasions to check the status of the claim not once did anyone say send in supporting documentation. On July 11 , I was told the claim was denied for customer benefit! I am trying to figure how when I was in the hospital at the time of the charges one of the charges were for ATM withdrawal of $240.00, how can I be in two places at the same time. Did they pull camera video of the ATM transaction how did they really come up with the decision was my signature correct on any of the other charges? Than you deny my claim and tell me I have to reopen the claim and wait another ten days so now it will be almost 20-30 days without My funds. No one has answers they just transfer you to several different people the claims department is a group of people that you can't physically talk to, its very frustrating dealing with TCF bank as they let your money be taken and than make you fight to get it back.

Desired Settlement: My money returned to me and the practices of claims investigation going to change.

Business Response:

July 20, 2016

 

******* *****

*** *** ***

Dolton, IL 60419

 

Re:      BBB Case # ********

 

Dear Ms. *****,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the resolution of your unauthorized transaction claim.

 

Our records indicate that you filed a claim for $627.28 in debit card and ATM transactions that were processed from your account on July 3, 2016. TCF completed an investigation and denied your claim because the information provided to the merchants from one or more of the disputed transactions matched your address and zip code on file for your account.

 

Our investigation also found that your card was used for a transaction that was undisputed during the same time period you stated your card to be lost or stolen.

 

Ms. *****, we trust that we have clarified the actions that were taken with regard to your transaction error claim and regret that we are not able to assist you further. If you can provide additional information we will be willing to reconsider your claim. 

 

Sincerely,

 

 

Nash J.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response:  I am rejecting this response because: an automatic annual payment for car insurance was done which is automatic payment. And does not constitute or support claim denial


Business Response:

July 28, 2016

 

******* *****

*** *** ***

Dolton, IL 60419

 

Re:      BBB Case # ********

 

Dear Ms. *****,

 

We received your additional inquiry submitted through the Better Business Bureau and appreciate the opportunity to clarify the activity on your account.

 

Our records indicate that on July 1, 2016 an insurance payment processed from your account. While we understand that this was an automatic payment, there are other undisputed card transactions that processed from your account during and after the disputed charges. We are unable to pay your dispute because of these transactions.

 

Ms. *****, we trust that we have further clarified the actions that were taken with regard to your transaction error dispute and regret that we are not able to assist you further.

 

Sincerely,

 

 

Nash J.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

7/27/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I don't understand why I am being charged insufficient fund fees when I have over $3000.00 in my money market / savings account. I typically use the ATM to check my balances ( since I need a pin of some sort to register to the TCF application for android ) and unfortunately the ATM was down for a few days. As a matter of fact a new one was just installed. So not only could I not check my balances but I could not determine which card is which since they both look alike ( which raises another issue). I made a transaction at Jewel, when it went through I assumed everything was okay. Now I've been charged a total of $222 in fees for transactions as low as $2.26. I called customer service on 7/7/16 but the representative ( who sounded inexperienced ) was not able to assist me. He was going to transfer me to a supervisor but the line disconnected. It's upsetting that I have money in my money market account yet I am being charged $222 in insufficient fund fees.

Desired Settlement: I would like the fees refunded and if possible a different style debit card for my money market account.

Business Response:

July 27, 2016

 

**** ******

**** * ********* ***

Berwyn IL  60402

 

Re:  BBB case # ********

 

Dear Mr. ******,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern about overdraft fees that were assessed to your checking account when you had sufficient funds in your money market account.

 

TCF’s Terms and Conditions for Checking and Savings Accounts (enclosed) explain that TCF Overdraft Protection Savings Transfer Service automatically transfers funds from your savings account to your checking account when items posted to your checking account exceed your available balance by more than $5. This service is available to customers who have a checking and savings account with the same name.

 

Review of your account history does not show that you currently have a savings account in your name. Money market accounts are a type of checking account and cannot be used for this service. We apologize for any misunderstanding regarding your enrollment or eligibility. If you would like to open a savings account and establish transfer service, please visit your local TCF branch.

 

You also express concern over having two debit cards accessing different accounts but looking alike.

 

While we do not currently provide options for the appearance of debit cards, you can request a card for your money market account that would only access the ATM. The ATM card is different in appearance than your debit card, which has the VISA logo. Also, should you open a savings account to set up TCF’s Overdraft Protection Savings Transfer Service, it could be added to your debit card so that both accounts would be on one card.

 

In response to your concerns about accessing mobile banking services, TCF’s Terms and Conditions for Checking and Savings Accounts also explain that to access your account using Mobile Banking Services you must:

 

  1. have an active account and be enrolled in online banking

  2. have a mobile device with Internet access through a service provider that supports (SMS) text message capabilities and/ or supports either a mobile browser with SSL, Protocol or apps for iOS available from the Itunes Store or apps for an android available form Google Play store and

  3. follow the online mobile banking services enrollment and activation process on your online banking website.

 

For assistance with enrolling in Mobile Banking, please stop by your neighborhood TCF location or call 1-800-TCF-BANK (###-###-####) to speak to an Online Banking Specialist.

 

Our records show that between July 6, 2016 and July 15, 2016 transactions were presented for payment when there were insufficient available funds, resulting in $222 in fees. To assist you, we have reversed $148 of these fees. This transaction will appear as a credit on your next statement.

 

Mr. ******, we appreciate you communicating your concerns with us and trust this is helpful information.

 

Sincerely,

 

 

Deborah Z

Customer Response Representative

 

Cc:          ***** ********, Mediation Coordinator, Better Business Bureau

 

 

 

 


Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  

7/27/2016 Problems with Product/Service
7/26/2016 Billing/Collection Issues
7/19/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My husband recently made a car purchase as a birthday gift for me back on April 23.2016. The purchase was suppose to have been a partial payment of $3000 cash and and $3000 paid by our VIsa. The merchant agreed to let my husband bring payment back in cash but he charged our card several times until the money actually went through. Also, the puchase price we negotiated to be was for $7400. Down payment was $6000 and finance the remainder or $1400 to help build my husband's credit a little more. Once the Bill of Sale was printed for him to sign, we noticed the "sale price of the car" was $8465. So we asked why is the sale price diffent from what we agreed to? Jimmie (the owner) replied back and said that included the bank interest fees for the loan. So, of course we were ok with that answer because we knew that most banks will charge a finance fee. However after receiving documents from the bank. The manager explained they do not include any fees directly to the customer but to the dealership. And also that it wouldnt be added on the BOS as "cash sale price" If interest, it would actually say that. I informed the owner that he must of made a mistake and he stated that, the bank is full of underpaid idiots and they clearly dont know what they are talking about". So I had a 3-way conference call to clear this so-called misunderstanding up and he denied even mentioning anything to me. But what he didnt know was that I recorded all conversations after I caught him in the 2nd lie. I didnt trust him after that. In a nut shell. He over charged us for the vehicle and now we owe the finance company more money than what was agreed. So I contacted my bank to settle this and get my money back and they basically allowed him to send in bogus paper work of no warranty info. Because not only did he price gouge us, the vehicle is not safe to drive, all the components like navi, sunroof etc that was on the advertised website was all a front. He said they would fix them and have yet to do so. So my argument was this was a fraudulent sale on so many levels. This guy is a con artist and I also told him to keep the vehicle but he declined and said I would be charged for storage if I didnt pick the car up. Even though Im the customer who was ripped off and over charged from a transaction that shouldnt have been unsed. They cleared him of this purchase.

Desired Settlement: I would like them to refund the 2nd purchase as I requested and cover what they allowed to happen even after I spoke to approx. 5 ppl in regards to this matter. And no good solution came from it.

Business Response:

July 6, 2016

 

Ms. ******** ********

**** * **** ******

Milwaukee, WI 53210

 

Re:      BBB Case # ********

 

Dear Ms. ********,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the resolution of your transaction error claim.

 

TCF Bank (“TCF”) records indicate that you filed a claim for a $3,000 debit card transaction to ****** **** **** that was processed from your account on February 24, 2016. TCF issued you a temporary credit in the amount of $3,000 while the claim was being investigated and contacted the merchant directly on your behalf to request a charge back. The chargeback was unsuccessful because of the agreement that you have with the merchant. Upon receipt of the chargeback denial, TCF debited your account for the amount of the temporary credit on April 11, 2016. TCF’s investigation is complete, and your claim is denied because it involves a satisfaction issue with the merchant.

 

While we sympathize with your situation, TCF does not have any further recovery rights. Please pursue the matter with the merchant directly. We have enclosed the signed agreement and supporting documentation received from the merchant for your review.

 

Ms. ********, we trust that we have clarified the actions that were taken with regard to your transaction error claim and regret that we are not able to assist you further.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response:  I am rejecting this response because:
I have documentation of fraud from this business on being price gouged and a transaction that was processed several times after my knowledge. This business was also recorded on a conversation admitting information that was a lie about fees from the finance company. I am not pleased and they did not thoroughly investigate and they allowed tjis fraud to happen. I will be sure to let the world know how unsatisfied i am on how they chose the side of a non-customer even with evidence of the purchase being higher then advertised and faulty per the description of what should have been according to the sell. False advertisement is what only half this situation was. TCF could learn alot from "real professional banks"
like Chase and/or Wells Fargo, they would neverallow this to happen to a loyal customer.

7/19/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 5/24 I went to our local TCF Bank office in Laveen to send an international wire. The manager Rammi filled out the form that I signed. The space available to enter the beneficiary's name is less than 36 characters, although when printed it fills less than half of the width of the page; in other words there is plenty of room for a long name to be printed, as long as the software program is properly written. The complete name could not fit in the space you allocate. After calling other banks it appears that there is always at least 60 characters or more available to log the beneficiary's name for international wires. Rammi, the branch manager told me not to be concerned about the fact that the name entered was incomplete. The beneficiary's bank would not release the funds because of the incomplete information and said that a written confirmation with the correct name would suffice. I advised Rammi of this fact. She said she would take care of it. We were never advised if the correction had been made. On June 1st, the funds were credited back to our business account and we were charged for two additional fees, meaning that we were charged for a total of three fees (including the wire cost) for TCF Bank failure to do its job. I went to see the branch's manager who was not aware of the refund. Again she said she would take care of it. The following day she had another wire transfer document ready and credited our account for the three unjustified fees you had collected. When I told Rammi that my order losts its turn to be made in a timely manner at the factory and that our order would be delayed, she had no answer. I also told Rammi that I would file a complaint with the BBB and report our experience with social media if the wire was not sent quickly and if the wire fee was not waived. Again she had no answer. Rammi and her team have always done an impeccable job, handling our account and have always been super professionally friendly. I do believe that TCF main office should do the following: spend more money on existing customers than advertising for prospects give more latitude to branch managers for waiving the fees when the bank fails to do its job spend the money to adjust the software to allow more characters to be entered on the beneficiary's name line.

Desired Settlement: I want this complain to remain open to show prospects that TCF bank does not care about existing customers A $50.00 credit would be fair I DO NOT WANT any false excuse telling us that international regulations do not allow more characters. For your information we have been sending payments to this supplier for over 20 years.

Business Response:

July 6, 2016

 

******* *******

*** *** ***** ***                

**** * *** ***** ** *** *

Phoenix AZ  85009-4078

 

BBB case # ********

 

Dear Mr. *******,

 

Thank you for contacting us regarding an international wire transfer.  We appreciate the opportunity to respond to your concern.

 

It is our goal to provide services that are efficient, convenient and valuable, and it is disappointing to learn of any instance in which we have failed to deliver at the level our customers expect. We assure you that TCF Bank (“TCF”) has a commitment to provide a positive experience for each and every customer and we truly appreciate that you have voiced your concerns.

 

Our records show that on May 25, 2016, you initiated an international wire transfer from a TCF branch in Phoenix, Arizona, to a beneficiary in China. The wire transfer was returned by the receiving bank on May 31, 2016, as “Unable to Apply”. No other explanation was provided, but by working with the receiving bank, TCF was able successfully complete the wire transfer request on June 2, 2016. We believe that our wire procedures conform to industry standards and it appears that the delay in this case was due to the receiving bank.

 

Further account review shows that between May 25, 2016 and June 2, 2016, your account incurred $135 in wire transfer fees. TCF has already reversed $85 of these fees. To further assist you, we have reversed the remaining $50. in fees.

 

Mr. *******, we thank you for communicating your concern.

 

 

Sincerely,

 

 

Deborah Z

Customer Response Representative

 

** ***** ********, Mediation Coordinator, Better Business Bureau


Business Response:

July 14, 2016

 

******* *******

*** *** ***** ***             

**** * *** ***** ** *** *

Phoenix AZ  85009-4078

 

BBB case # ********

 

Dear Mr. *******,

 

Thank you for contacting us again regarding your international wire transfer.  We appreciate the opportunity to further respond to your concern.

 

Based on your letter we understand that you have continued concerns regarding a wire transfer

 

Our records show that on May 25, 2016, you initiated an international wire transfer to ******* ******* ******* ****** *** in China.  On May 27, 2016, per your request, the branch requested that the wire transfer department amend the beneficiary name to include Ltd. This was a Friday, and the wired funds were returned on Monday May 31, 2016, the next business day, so it is likely that the amendment did not reach the other bank in time.

 

The only explanation from the Chinese bank as to why the funds were returned was “Unable to Apply.” They didn’t specifically say what the issue was, and we never had any other communication saying there was any sort of issue with the wire. In good faith, we believe that our wire procedures conform to industry standards; however, upon further research, we have found that China is generally very precise in regard to matching the beneficiary name to what is actually on the beneficiary account.

 

If this delay was indeed caused by our wire transfer form not allowing more characters for the beneficiary business name, we regret any inconvenience this delay may have caused. We are looking into this matter you describe and will be addressing it appropriately.

 

On June 2, 2016, in working with the presumed expectations of the Chinese beneficiary bank, we were able to supply the complete beneficiary name on the wire transfer form - both in the name and address box and in the box for “Bank to Bank” information. This promises to be an effective way of providing the supplemental information as the transfer was successful.

 

Mr. *******, we appreciate you bringing this to our attention and trust this clarifies the activity on your account.

 

Sincerely,

 

 

 

Deborah Z

Customer Response Representative

 

Cc     ***** ********, Mediation Coordinator, Better Business Bureau


Consumer Response:  I am rejecting this response because:

It does not provide answers to the problems

7/19/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My account was negative and then funds were placed in there to make it positive. There was an item that was going to be returned but the CSR reversed it so it can be paid. Since the account is positive, I should not have to pay the return item fee.

Desired Settlement: I would like my account refunded the return item fee of $37.

Business Response:

July 8, 2016

 

Ms. ******** *******

**** ***** *****

Country Club Hills, IL 60478-5628

 

Re:      BBB Case # ********

 

Dear Ms. *******,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding an overdraft fee that was assessed to your TCF Bank account. We would like to take this opportunity to explain why the overdraft fee was incurred in this instance.

 

TCF records indicate that on June 30, 2016, an automated deposit from Fidelity was processed to your account. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. The fee that you incurred on June 30 was because of a transaction that was processed on June 29. We are sorry for any misunderstanding there may have been regarding this practice.

 

Between June 30, 2016 and July 6, 2016, your account incurred $111 in overdraft fees. To assist you, we have reversed $56 of these fees. This transaction will appear as a credit on your next statement.

 

Please note that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and electronic transfer transactions. Changing your election(s) may help you avoid future overdraft fees. If you would like to change your overdraft election(s), please visit your local TCF branch location or contact TCF’s Customer Service line at 1-800-TCF-BANK (###-###-####).

 

To further assist you, we have also enclosed a copy of our brochure “What You Need to Know About Bank Service Charges and Overdraft Fees” for your review. This is a great resource to assist customers with avoiding or reducing overdraft fees in the future.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau


7/4/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hello, My name is ****** *****. I have contacted TCF bank several times to try to close my checking account with them account number **********. I was told many excuses as to why I was not able to close the account. I just want to close the account. Thank you

Desired Settlement: I just want the account closed. Thank you

Business Response:

June 23, 2016

 

Mr. ****** *****

***** * *********

Chicago, IL 60628

 

Re:      BBB Case # ********

 

Dear Mr. *****,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the closure of your checking account.

 

A review of your account history indicates that TCF checking account ending in **** has been overdrawn since May 16, 2016. TCF is unable honor an account closure request until the owing balance has been satisfied. We apologize for any inconvenience this situation may have caused you.

 

Our records indicate that between May 16 and June 20, 2016 your account incurred $259 in Returned Item NSF Fees. To assist you, we have reversed a portion of the fees to bring the account balance to zero, and per your request, we have closed your account.

 

Mr. *****, thank you for having banked with TCF and hope you will consider banking with us again in the future.

 

Sincerely,

 

 

 

Erik M.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

 

6/28/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They are charging ridiculous over draft fees that do not add up. I was charged 4 fees just recently when there should have only been one. Just since the June 1st I've been charged 7 over draft fees at 37.00 a piece.. = $259.00!! It is extremely unfair. And I can't catch up. When I call no is will to help.

Desired Settlement: I want some overdraft fees refunded.

Business Response:

June 23, 2016

 

Ms. ***** ********

***** **** **

Clear Lake, MN 55319

 

Re:      BBB Case # ********

 

Dear Ms. ********,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding overdraft fees that were assessed to your checking account. We would like to take this opportunity to explain why the overdraft fees were incurred.

 

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. For example, the overdraft notice dated June 13, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $121.73. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”).

 

Our records indicate that between June 14 and June 17, 2016 your account incurred $259 in overdraft fees. To assist you, we have reversed those fees. This transaction will appear as a credit on your next statement.

 

We have also enclosed a copy of our brochure “What You Need to Know About Bank Service Charges and Overdraft Fees” for your review. This is a great resource to assist customers with avoiding or reducing overdraft fees in the future.

 

Ms. ********, thank you for taking the time to bring your concern to our attention.

 

Sincerely,

 

 

 

Erik M.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Business Response:

June 28, 2016

 

Ms. ***** ********

***** **** **

Clear Lake, MN 55319

 

Re:      BBB Case # ********

 

Dear Ms. ********,

 

We received the follow up inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your request.

 

As stated in our previous response, we reversed the $259 in overdraft fees that were assessed to your account between June 14 and June 17, 2016. This transaction will appear as a credit on your next statement.

 

Ms. ********, thank you for taking the time to follow up with us.

 

Sincerely,

 

 

 

Erik M.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau


Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

6/28/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a correspondence in the mail from a 3rd party company stating that I owed TCF Bank $255.38. I have not used this bank account in months and seeing as how I was not aware that I owed any money to this institution I called their 800 number to inquiry about such charges. I was rudely hung up on after my first attempt at getting the information I was looking for by a customer service rep by the name of "Carmen" due to conflicting information. I asked her to please verify what part of the information that I gave her was incorrect so that I can investigate myself, I presumed that the address info was incorrect because I have not updated the info in over 3 years and have since moved 4 times. Before I could get any information from her she interrupted me and said that I needed to come into the bank to resolve my issue and after furthering questioning on my end was hung up on. I called back a few minutes later and spoke with another customer service rep whose name I didn't catch. This time I called to file a formal complaint against the previous rep "Carmen" and was transferred to another person whose name I also can't recall. I was made aware that there were 2 charges on my account that were "returned" since there was "insufficient funds" and a 37 fee was attached each time. This was due to paypal taking money from this account w/o my knowledge. I explained to the lady that I did not know that any charges were being taken out of my account since I had switched banks in February and had not used that account since. Since I have overdraft protection on this account payments from any were should not be allowed to go through if there is not enough money in the account. She informed me that the charges were still valid even though I have "overdraft protection" it is not covered for transactions through Paypal. I told her that even if I had known about the charges from paypal "overdraft protection" should have not allowed any transcations to take place if I did not have sufficient funds. She then told me that it is not the same thing and I am still responsible for some of the charges. I politely asked her where can I find this information and when was this made known to me because that was the first time I had heard about that. She did not answer my question clearly and said that she could only remove some of the charges. I told her that I should not be responsible for any charges made and asked her to explain again before becoming agitated and ending the phone call.

Desired Settlement: I feel that all of the fees that were wrongfully charged to me should be returned due to the unclear and deceptive business practices of TCF. Even if I was aware that Paypal was taking money from this account and not my other, I have overdraft protection on my account, no payments should go through if there is not enough money. If this is how it has always been then they need to provide customers with updated information on how this works and a breakdown of all the charges because it is not fair to charge people who have not been made aware of your policies pertaining "overdraft protection." Please assist me with this matter.

Business Response:

June 8, 2016

 

Mr. ******* ****

*** ** ****** ****

River Forest, IL 60305

 

Re:      BBB Case # ********

 

Dear Mr. ****,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

Your inquiry s****s that TCF Bank (“TCF”) should not have allowed overdrafts on your account.

 

When you opened the account on October 5, 2012, you asked TCF to not pay ATM, everyday debit card transactions, checks, and ACH transactions that exceed your account’s available balance at the time of the authorization request.

 

The Your Overdraft Selection section of the Account Agreement stated: “By choosing to not opt-in, your checks, ACH transactions, and automatic transfers that exceed your available account balance will not be paid. You will pay a returned item NSF fee. You may also be charged fees by the merchant or person you were trying to pay.”  TCF’s Terms and Conditions for Checking and Savings Accounts further explain that TCF may decide to either pay or not pay any item submitted to us for payment from your account if the item exceeds your available balance at the time of posting. We will charge you a fee, called a “returned item NSF fee,” each time an item is submitted (or resubmitted) to us for payment from your account, and we return the item without paying it.

 

TCF records indicate that electronic payments were authorized to be made to Paypal from your account.  Your account had insufficient funds when the account debits were attempted. We followed your direction and did not pay overdrafts on your account. This resulted in $222 in returned item NSF fees charged to your account between February 29, 2016 and April 19, 2016. TCF mails a system generated Notice of Overdraft or Adjustment when an account is overdrawn, our records indicate that these notices were mailed to the address on file on February 26, 2016, March 4, 2016, April 5, 2016, April 11, 2016, April 12, 2016 and April 18, 2016.

 

When your account remained overdrawn, TCF closed the account and sent a notification letter to the address on file on April 18, 2016 (copy enclosed). The balance owing of $255.38 was sent to Millennium Credit Consultants (MCC) for collection, and the account was reported to ChexSystems for insufficient funds activity.

 

To assist you, we have directed MCC to stop collection and are waiving the balance owed. Please note that the account record will remain on file with ChexSystems per their requirements.

 

Mr. ****, we trust this clarifies the actions that were taken with regard to your former TCF account.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response:  I am rejecting this response because:

I appreciate TCF taking these unnecessary/ unfair fees out of collections and waiving them however I need to have all the information stated in their response sent to me in writing. I also need to see solid proof that these fees are waived and the collection agency was contacted. In addition to this I need TCF to correct any errors that may appear on my credit report as they stated in the attached letter that they have reported this. TCF needs to get in touch with the credit reporting agencies they contacted in regards to my account and straighten this out as I do not need this affecting my credit, I will need written proof of this as well. 


My address to send all requested documents/correspondence from TCF can be sent to:

*** ** ****** **** *** **
Oak Park IL, 60304


Thank You for your help in this matter

Best Regards,
******* ****

Business Response:

June 22, 2016

 

Mr. ******* ****

*** ** ****** **** *** **

Oak Park, IL 60304

 

Re:      Mr. ******* ****

BBB Case # ********

 

Dear Mr. ****,

 

We received the additional inquiry you submitted to the Better Business Bureau and appreciate the opportunity to further address your concerns.

 

You express concern regarding the status listed for your former TCF Bank (“TCF”) account.

 

As stated in our previous response, we directed Millennium Credit Consultants (MCC) to stop collection and waived the balance owing of $255.38.  We waived this balance as a courtesy to you.

 

On June 13, 2016, we updated the information reported to ChexSystems to reflect that your balance of $255.38 was waived.  Per your request, we have verified that MCC has not reported your balance to a credit reporting agency.

 

Mr. ****, we hope this clarifies the matter to your satisfaction.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

6/28/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I opened up an account and deposited $200. I paid my car insurance for 139.61. I had a direct deposit for 680, then paid my car note for 446.37, then I took out 200 cash. While this is going on TCF placed a hold on my account from a past account form 2012 that was already put in collections years ago. They did not inform me of this online or at the branch. I noticed the hold and over two days talked to two customer service reps who informed me other than the 194 hold for the past account everything else looked good. On 06/06/2016 I spoke with a rep and he released the hold and told me I have 196 cash to take out, so I did withdraw that amount. Now today 06/10/2016 I look at my account because Kia motor finance keeps calling my phone, my whole account is turned around. All of my bills got returned and acquired fees on the account. now my balance is 75 dollars and around over 400 missing.

Desired Settlement: I should have been informed before opening up the account that I owed on a past account. It is sneaky and unprofessional to take advantage of people. I would have contacted the collection agency and set up a payment plan to pay off the debt. I cannot afford this, I have three children and a disabled husband in a one income household. I live check to check and now my car will probably be repossessed for this. I want my money back that should be left in the account

Business Response:

June 17, 2016

 

******* **********

*** *** *** * **** *

South St Paul MN  55075-2030

 

Re: BBB case #********

 

Dear Ms. **********,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern.

 

You express concern regarding a hold that was placed on TCF checking account ending in **** due to a balance owing on a former TCF account.

 

TCF’s Terms and Conditions for Checking and Savings Accounts (enclosed) explain that TCF may deduct funds from any of your accounts to pay any debt or other amounts you owe TCF or any of our affiliates. TCF may exercise these rights without notifying you in advance unless the law requires otherwise. This will reduce your available balance. In some instances, this is called our right of “setoff”.

 

Our records show that when your former account remained overdrawn, on November 6, 2012, TCF assessed a $35 collection processing fee and closed the account. The $194.92 balance owing was sent to Millennium Credit Consultants (MCC) for collection and reported to ChexSystems for insufficient funds activity. TCF sent notice of the account closure to the address on file with TCF at that time.

 

On May 31, 2016, when you opened your current TCF checking account ending in ****, this amount was still owing to TCF; therefore, a hold was placed on the funds in this account to be withdrawn to pay the debt. The hold resulted in two transactions being returned unpaid and each incurring a $37 overdraft fee. To assist you, TCF has reversed these fees

 

Based on your authorization through TCF’s Customer Service Line on June 10, 2016, TCF withdrew $194.92 from your recently opened checking account and applied the funds to the balance owing at MCC. To further assist you, we have requested a Paid-In-Full letter to be mailed to you. We regret any misunderstanding there may have been regarding the “set off” process.

 

Ms. **********, we appreciate you communicating your concern with us and trust this explains TCF’s policy more fully.

 

Sincerely,

 

 

Deborah Z

 

Cc:          ***** ********, Mediation Coordinator, Better Business Bureau


6/27/2016 Problems with Product/Service
6/25/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I receive emails /texts and balance my check book daily. My balance form you showed a certain amount as did my check book. You sat on amounts,then charged me over $200 in over drafts after you stated on my online banking that these had cleared stating that due to the over draft charge my account was now $270 in the whole. Mind you these were for amount less than $7.00 !!! I called that morning and the guy reversed 3. That afternoon 3 more hit!!! So you are fraudulently sitting on items for over a week to charge people fees. Absoululey ridiculous. You should be out of business

Desired Settlement: refund me my money .

Business Response:

June 14, 2016

 

Ms. ***** ******

*** ******* ***

St. Paul, MN 55107-2653

 

Re:       BBB Case # ********

            CFPB Case # *************

 

Dear Ms. ******,

 

We received the inquiries you submitted to the Better Business Bureau and the Consumer Financial Protection Bureau. We appreciate the opportunity to respond to your concerns.

 

You expressed concern that your account balance as shown in our online banking site was not accurate, causing you to incur overdraft fees.

 

When checking your account balance online, you should refer to your available balance. This generally represents your available balance as of the date and time displayed. The available balance is the most current information that TCF Bank (“TCF”) has about funds available for withdrawal from accounts, as it reflects pending debit card transactions and other electronic deposits and payments.  Also included in available balance are any portion of check deposits that are not yet available for withdrawal, and other holds that may affect the account.  The available balance may change throughout the day as the account is used and as TCF processes transactions.

 

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. The overdraft notice dated June 7, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was negative $90.35. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”).

 

Our records indicate that between June 8, 2016 and June 10, 2016 your account incurred $333 in overdraft fees. TCF reversed $74 of these fees. To further assist you, we have reversed the remaining $259 in fees. This transaction will appear as a credit on your next statement. We have also enclosed a copy of our brochure “What You Need to Know About Bank Service Charges and Overdraft Fees” for your review. This is a great resource to assist customers with avoiding or reducing overdraft fees in the future.

Ms. ******, we hope this explains TCF’s policies more fully.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:       ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response, Consumer Financial Protection Bureau

6/24/2016 Problems with Product/Service
6/18/2016 Billing/Collection Issues
6/17/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On 4/1/16 there was $3,400 taken out of my checking account that I didn't know about or notified of. TCF said "if I get this reversed they will reimburse all charges on my account. On 5/5/16 the $3,400 was redeposited. I then asked since the money was put back in when will I get my charges reimbursed? TCF changed their mind and did NOTHING!!

Desired Settlement: I would like to have all of my charges reimbursed going all the way back to when I first opened my checking account.

Business Response:

June 16, 2016

 

Mr. ****** *******

**** ********** *** ****

Minneapolis, MN 55432

 

Re:      BBB Case # ********

 

Dear Mr. *******,

 

We received the inquiries you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding the fees associated with a garnishment that was debited from your checking account.

 

Our records indicate that on April 1, 2016 TCF received a Notice of Garnishment and withdrew $3,394.29 from your account. TCF is required by law to comply with the garnishment and as TCF does not know ahead of time that an account is to be levied, advance notice cannot be sent to our customers. A $125 levy garnishment fee was assessed to your account in accordance with TCF’s Deposit Account Services and Prices Schedule.

 

On May 2, 2016, the withdrawal and levy garnishment fee were both credited back to your account when TCF was notified of your bankruptcy.

 

Further review of our records indicates that between April 1, 2016 and May 2, 2016, your account incurred $592 in overdraft fees and $185 in returned item NSF fees because of transactions that were presented to your account for payment when you had insufficient available funds. TCF reversed $74 of these fees. To assist you, we have reversed the remaining $703 in fees. This transaction will appear as a credit on your next statement.

 

Mr. *******, thank you for taking the time to bring your concern to our attention.

 

Sincerely,

 

 

 

Erik M.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

 

SATISFACTORY...  Not above and beyond, but satisfactory.  Above and beyond would be if all of my fees and charges since I became a member were reversed.  Am I right or wrong?

 

Thank you,  ***

6/14/2016 Billing/Collection Issues
6/13/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was told by several representatives that when transacting on my account with a pin transaction the transactions are debited immediately. I was never told about any cut off time or that I had to do my PIN transactions before a certain time for them to post the same day. I was told by more than one representative that as long as I use my pin it is deducted immediately. Now that I did do it as instructed by TCF representatives I am still charged an over draft fee even though their representatives have advised me otherwise. TCF is now refusing to refund me over draft fees for 2 PIN charged transactions that I did per their representatives recommendations to avoid overdraft fees however I have still been charged overdraft fees even though I followed and transacted as I was told to do so by their representatives.

Desired Settlement: I want a refund for the 2 over draft fees from the PIN charges that I did that should have already been cleared according to what the prior reps had advised me. I understand I am responsible for one fee and I am willing to pay the said fee however I refuse to pay for a fee that I incurred after following how their rep advised me to transact.

Business Response:

June 2, 2016

 

Ms. ******* ****

**** * ****** ***

Cicero, IL 60804

 

Re:       BBB Case # ********

 

Dear Ms. ****,

 

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

 

You express concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why the overdraft fees were incurred in this instance.

 

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. The overdraft notice dated May 20, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $296.32. Your account was assessed overdraft fees because ATM and pin-based debit card transactions were presented for payment from your account when there were insufficient funds in the account.

 

You also expressed concern regarding PIN-based debit card transaction processing.

 

TCF’s Terms and Conditions for Checking and Savings Accounts explain that PIN transactions are generally posted to your Account the same Business Day on which they happen. The Terms and Conditions further explain that the cutoff time for deposits and withdrawals is 2 p.m. in Illinois. Please note that some merchants may require you to enter your PIN to complete a transaction but then process the transaction as if were “off line.” We have no control over the way merchants process their transactions. We apologize for any misunderstanding there may have been regarding this matter.

 

TCF records indicate that between May 23, 2016 and May 24, 2016, your account incurred $185 in overdraft fees. TCF reversed $74 on May 24, 2016. To assist you, we have reversed the remaining $111 of these fees. This transaction will appear as a credit on your next statement.

 

Ms. ****, we hope this explains TCF’s policies more fully.

 

Sincerely,

 

 

 

Courtney L.

Customer Response Representative

 

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

6/12/2016 Billing/Collection Issues
5/17/2016 Billing/Collection Issues
5/13/2016 Problems with Product/Service
5/13/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was charged 3 overdraft fees in the past 1.5 weeks for actions which I have taken before to cover any negative amounts in my bank account even though I have been taking the same action in the past and they have never charged an overdraft fee before. I don't know what type of games they're trying to play by stealing money from me, but they're not going to have me as a customer for much longer if this doesn't change. Example: I had a charge come thru after midnight and the same day before business opened I already had money transferred and it covered the transaction perfectly-- I have done this before and have never received an overdraft fee and now all of a sudden they want to begin charging me?!?!

Desired Settlement: I want my 3 overdraft fees given back to me considering I had money in the bank account to cover it immediately.

Business Response:

May 2, 2016

Ms. ******** *******

***** ***** ***

Zimmerman, MN 55398

Re:         BBB Case # ********

Dear Ms. *******,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns

You express concern about overdraft fees that were assessed to your account.

We would like to take this opportunity to explain how the overdraft fees were incurred in this situation. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal.

In the notice dated April 12, 2016 (copy enclosed), your beginning available balance was $81.04. We then add any deposits; in this case the deposit for $100. The available balance was then $181.04. From this balance, we subtracted the transactions that were pending; in this case there were no pending transactions. The available balance was still $181.04. Then we subtracted the transactions that were posting; in this case, the transactions totaling $235.64. The available balance after pending and posted transactions was therefore negative $54.60, which is why your account was assessed an overdraft fee.

TCF records indicate that between April 13 and April 20, 2016 you incurred $111 in overdraft fees because transactions were presented for payment when your account balance was insufficient. To assist you, we have reversed those fees. This will show as a credit on your next statement.

Ms. *******, we thank you for banking with TCF and trust this explains your account activity more fully.

Sincerely,

Erik M.

Customer Response Representative

Cc:         ***** ********, Mediation Coordinator, Better Business Bureau

               


5/8/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: TCF charged my partner $296 in overdraft fees that, in part, violate federal regulations and their own internal policies. Pursuant to 12 CFR 205.17(b), banks are only supposed to run debit transactions(and charge appropriate fees) if the customer "opts in" to the service. If the consumer does not "opt in", the bank is obliged to refuse the transaction, and may charge a fee. My partner never opted in to this service. If TCF had followed this regulation, and their own policies which are consistent with the regulation, they would have refused the first charge(for $360), charged one fee($37), and then processed the remaining debit transactions which would not have overdrafted the account. I spoke with Tony ****, the branch manager, at length about this issue. He refunded half of the fees, but claimed that he had no authority to do anything else. He also refused to allow me to appeal to anyone with more authority.

Desired Settlement: TCF should refund the difference in fees, which is $100.

Business Response:

April 27, 2016

****** *****

**** *** ***

Minneapolis, MN 55406

Re:      BBB Case # ********

Dear Mr. *****,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

Based on the information you provided, we are unable to locate an account in the name of ****** *****. Please forward the TCF account number you are referencing or the name and Social Security number for the account, in order that we may access the account information. We have enclosed a postage paid envelope for the return of this documentation.

Mr. *****, we thank you for taking the time to write and look forward to receiving the information needed to research your concerns.

Sincerely,

Nash J.

Customer Response Representative

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau


5/4/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 1.) Hello, on 4/11 I Noticed an Errant charge to my checking acct of $96.51; it was Noted as a Recurring charge though there's been no "previous/similar" activity over the last 6 months; 2.) on 4/12, I Presented to the bank to note the "erred" item and either "refute it as a bad purchase and/or a fraudulent item" As it was a "Pending Item" only at the time; I was directed to Customer Service; 3.) on 4/13 I Noted the matter with Customer Service Again stating that it were a "Pending item" and that I needed to refute it as a bad purchase and/or a fraudulent item; I Also noted Repeatedly the Following: a.) the Charge wasn't Transacted on my Computer; b.) it Wasn't a recurring charge as there was no previous activity over the last 6 months; c.) Further, a purchase was made a year prior but it was only $35.00 approx. and renewals are always cheaper than the initial rate d.) lastly, I hadn't visited their Website to seek a renewal; 3.) I Received a letter on 4/18 dated 4/14 stating that the bank Couldn't Refute the charge as "their being a purchase a year prior"; I Hope that you can convince them to "Restore the $96.51 to my checking account" ; Thanks Ms *******; Addendum/ the Locale listing of Oak lawn, Ill 9400 S Pulaski , the branch that I visited, was not an Option, Only the Burbank, Ill 7600 S Cicero was Allowed, they are w/in 3 miles of each other, I am familiar with both; I Noted In both Instances that I had noted the matter with the "police" to convince them of my sincerity, but it didn't help; the Vendor name Involved with the charge of $96.51 was "Norton"; Thanks Again

Desired Settlement: I think that as I notified them Timely Enough that the Charge should have been Refused and Reinstatement made to one's Checking account;, further that I noted that it were seeming a police matter

Business Response:

April 25, 2016

******* *******

**** * **** **

Chicago, IL  60652

Re: BBB case #********

Dear Ms. *******,

We have received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern.

You express concern regarding a $96.51 transaction processed from your TCF checking account.

The $96.51 payment appears to be a recurring check card transaction to a merchant that you previously authorized payments to. This is a type of a transaction in which our customer enters into an agreement with a vendor by providing their check card number and agrees that the vendor will use the number as a means of payment as often and at what intervals they agree upon. TCF National Bank is not part of this agreement. We encourage you to contact Norton directly to review your agreement and/or end the service.

In regard to the $96.51 payment, when a claim such as yours, is not covered under Regulation E due to the merchant contract agreement, generally, we are allowed through our VISA affiliation to seek reimbursement of funds from the merchant for you. You were sent a letter from TCF Recovery Specialist requesting additional information, so we might assist you in this way.  We have enclosed a copy of this letter for your review and reply.

Finally, if after attempts to resolve the payment issue with Norton it is not resolved, you may want to place a stop payment on the recurring check card transactions. The stop payment requires a signature acknowledging that you have revoked you membership or agreement with Norton and there is a $35 stop payment fee.

Ms. *******, we appreciate you communicating your concern with us and trust this clarifies steps to be taken toward its resolution.

Sincerely,

Deborah Z

Customer Response Representative

Cc           ***** ********* Mediation Coordinator, Better Business Bureau


Consumer Response:

5/3/2016 Billing/Collection Issues
5/2/2016 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On 4/12/16 I had 4 ACH transactions post to my checking account, my balance was positive. The following day 4/13/16 those same items were returned because of a pending debit card transaction. That was the same day our SS check was deposited. The 4 items totaled $89.63 and I was charged $148 in overdraft fees. As of today 04/14/16 that pending item still has NOT posted, it is still pending. The pending item was a cell phone payment made after the bank closed and after the cutoff time for Verizon. TCF returned my items on speculation only. The item may never post, it may have been a temporary hold. Fact is I had money in my account and my end of day balance was positive. In essence I was charged 163% of the amount of the items. This is a rip off and highway robbery and unfair business practices

Desired Settlement: 1want my $148 returned

Business Response:

April 19, 2016

Ms. ****** *******

**** * **** ***

Apache Junction, AZ 85120-7409

Re:       BBB Case # ********

Dear Ms. *******,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

You express concern regarding overdraft fees that were assessed to your TCF Bank (“TCF”) checking account. We would like to take this opportunity to explain why the overdraft fees were incurred.

Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. For example, the overdraft notice dated April 12, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $106.20. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”).

Additionally, funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositor. TCF records indicate that on April 13, 2016, an automated deposit was processed to your account. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day.  The fees that you incurred on April 13, 2016 were because of transactions that were processed on April 12. We apologize for any misunderstanding you may have experienced regarding these matters.

On April 13, 2016 your account incurred $140 in overdraft fees. TCF reversed $50 of these fees on April 14, 2016. To further assist you, we have reversed the remaining $98 in fees. This transaction will appear as a credit on your next statement.

Ms. *******, we hope this explains TCF’s policies more fully.

Sincerely,

Courtney L.

Customer Response Representative

Cc:       ***** ********* Mediation Coordinator, Better Business Bureau

Business Response: See Attached

5/2/2016 Billing/Collection Issues
4/28/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On April 6th 2016 I checked both my checking and savings accounts and then found that my checking account was in the negative of 198.00. I was furiuous called tcf to find out what was going only the lady stated that some purchase had been made in the amount of 298.00 which confused me because I hadnt made any purchases with my checking account because it had a zero balance and i definately dont need overdraft fees. I informed the lady over the phone that my card had been lost or stole maybe two weeks ago and i got it deactivated as soon as i realized. I also stated that those purchases where not mine and i hadnt used my checking account in òver a month. Secondly my issue with this bank is that they allowed four different transactions to be made or withdrawn with no money in the account and i did oupt out for overdrafts transactions. I did end up filing a claim but was told that it could take up to ten bussiness days. I just start getting part of my pay check deposited into my checking account so this morning when my employer deposited 287.00 into my account tcf took it to bring my account out of the negative. Again now im furious that more money was taken from me its the begining of the month my rent is do and i dont have it all , which puts me in jepordy of a lot of things including a late fee.

Desired Settlement: I would like the 298.00 refund back to my account , i would also like the 25.00 late fee my landlord is going to charge me for a late fee.

Business Response:

April 15, 2016

Ms. ***** ****

**** * ***** ****** *** ***

Chicago, IL 60644

Re:       BBB Case # ********

Dear Ms. ****,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

You express concern regarding the status of the unauthorized transaction claims that you filed with TCF Bank (“TCF”).

Our records indicate that you filed a claim for an unauthorized debit card transaction on April 6, 2016. TCF completed an investigation and credited $200.00 to your account on April 13, 2016 for the disputed transaction.

On April 6, 2016, you also filed a claim for unauthorized PIN-based transactions. TCF completed an investigation and denied your claim because the transactions appear to be consistent with the pattern of use associated with your account.

You also express concern regarding TCF’s processing of checks and debit card transactions when your available balance is insufficient.

Our records show that you Opted-Out of TCF’s authorization and payment of overdrafts on your ATM and everyday debit card transactions that exceed your account’s available balance at the time of the authorization request. Because the merchant did not submit an authorization request prior to submitting the $200 Walmart Grocery debit card transaction for payment, it was not compared to your balance available for posting prior to being processed on April 4, 2016.

Our records further indicate that you initiated a $100 web transfer deposit from account ending in 5103 on April 2, 2016. This made your available sufficient for the subsequent Walmart PIN-based transactions that were also initiated on April 2, 2016. We apologize for any misunderstanding there may have been regarding your overdraft election for ATM and everyday debit card transactions.

Ms. ****, we thank you for taking the time to share your concerns with us.

Sincerely,

Courtney L.

Customer Response Representative

Cc:       ***** ********, Mediation Coordinator, Better Business Bureau

Business Response:

April 27, 2016

Ms. ***** ****

**** * ***** ****** *** ***

Chicago, IL 60644

Re:      BBB Case # ********

Dear Ms. ****,

We received the additional inquiry you submitted to the Better Business Bureau and appreciate the opportunity to further address your concerns.

We apologize for any inconvenience you may have experienced when an unauthorized transaction in the amount of $200 to Walmart Grocery posted to your account. Our records indicate that an unauthorized transaction claim was filed and that your account was reimbursed for the transaction on April 13, 2016.

We also understand that you have incurred a $25 late fee from your landlord when your account balance was insufficient to pay your rent. To assist you, we have credited your checking account $25 as reimbursement for this fee.

Ms. ****, we appreciate you taking the time to share your additional concerns with us.

Sincerely,

Courtney L.

Customer Response Representative

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

4/23/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Tcf bank customer service manager lied about moving charges around and charging more overdraft fees than should. Also would not remove charges when after they posted still showed a positive balance. How can you charge an overdraft fee when you deduct the amount from the available balance and hold it to pay the charge and once they settle still leave an available balance? Not to mention when trying to point out this unfair practice the manager hung up on me.

Desired Settlement: I will not pay the excessive overdrafts due to them misleading consumers. Would like them removed.

Business Response:  

April 12, 2016

Mr. ***** ******

**** * **** ***

Glendale, AZ 85302-2501

Re:       BBB Case # ********

Dear Mr. ******,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

We apologize if the service from a team member of TCF Bank’s (“TCF”) Customer Service Line did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. We assure you that TCF’s commitment to a positive experience for each and every customer is unwavering and we truly appreciate that you have voiced your concerns.

You express concern over the way that TCF processes transactions on your account.

Our current practice for processing transactions on your account is as follows:

  • First, we process deposits made before the cutoff time before we process withdrawals.

  • Second, we process certain “priority” withdrawals before others. These include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic  (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item 6 below). We process these transactions in groups in chronological order within each group based on the date and time of the transaction.

  • Third, we process ATM withdrawals and debit card transactions in chronological order based on a date and time associated with the transaction that are provided to us by the processor.

  • Fourth, we process checks in lowest-to-highest order based on check number.

  • Fifth, we process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals.

  • Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts.

    You may review TCF’s Terms and Conditions for Checking and Savings Accounts for additional information.

    You also express concern regarding overdraft fees that were assessed to your checking account. We would like to take this opportunity to explain why the overdraft fees were incurred.

    Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. For example, the overdraft notice dated April 1, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn $12.04. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment (“settlement”).

Between April 4, 2016 and April 5, 2016 your account incurred $185 in fees. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement.

Mr. ******, we hope this explains TCF’s policies more fully.

Sincerely,

Courtney L.

Customer Response Representative

Cc:       ***** ********, Mediation Coordinator, Better Business Bureau


4/18/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Last month I wrote a check for 10,000 dollars. The bank misread the comma and took out 19,000 dollars, even though in the line on the check where you write out the number, it said "ten thousand dollars." When I called the bank on Friday, I was told it would take 10 business days to respond to my inquiry. This is outrageous, 9,000 dollars is missing from my account, and I have bills to pay. The employee I spoke to admitted that it was very clearly their mistake. Can they really do this to me?

Desired Settlement: They should put the money back immediately and get it back from the person they gave it to on their own. It was not my mistake.

Business Response:

April 18, 2016

Ms. ***** ******

**** **** *** *

Minneapolis, MN 55406

Re:      BBB Case # ********

Dear Ms. ******,

We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns.

You express concern regarding a transaction that was processed from your business account at TCF Bank (“TCF”).

Review of our records indicates that check #2425 for $10,000 was processed from your business account on March 25, 2016 as $19,000 in error.

To correct this error, a credit of $9,000 was processed to your account on April 15, 2016.

Ms. ******, we thank you for bringing this matter to our attention and apologize for any inconvenience this issue may have caused you.

Sincerely,

Courtney L.

Customer Response Representative

Cc:      ***** ********, Mediation Coordinator, Better Business Bureau

**** ** *** *******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I still think that they should have given me the money back right away. They gave away 9k of my money and wouldn't give it back for 10 days.

3/24/2016 Billing/Collection Issues
3/21/2016 Advertising/Sales Issues
3/21/2016 Problems with Product/Service
3/18/2016 Problems with Product/Service
3/15/2016 Problems with Product/Service
3/14/2016 Advertising/Sales Issues
3/7/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Frozen account due to a questionnaire they sent not being filled out correctly The bank stated that they wanted to know where a cash deposit came from-I filled out their questionnaire and they closed my account stating that i did not fill it out correctly

Desired Settlement: Open my account and give me access to my $$$

Business Response: Initial Business Response /* (1000, 5, 2016/02/25) */ February 25, 2016 Ms. ******** ***** **** W *** ** ****** ** XXXXX-XXXX Re: BBB Case # XXXXXXXX Dear Ms. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern regarding the closure of your TCF accounts. TCF, like other financial institutions, reviews information to ensure we have a reasonable level of understanding regarding each customer's banking relationship. As part of this process, we sent you a questionnaire requesting additional information. We regret any confusion there may have been when we received your initial response; however, we needed clarification to finalize the request. Our records indicate we have received all the required information on February 17, 2016 and reopened your accounts on that day. We consider the request complete at this time. Ms. *****, we apologize for any inconvenience this caused you and are pleased to see that we were able to obtain the information and to reopen your accounts. Sincerely, Courtney ** Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2016/03/07) */ The consumer indicated that he/she ACCEPTED the business response.

3/3/2016 Problems with Product/Service
2/29/2016 Advertising/Sales Issues
2/26/2016 Problems with Product/Service
2/22/2016 Billing/Collection Issues
2/19/2016 Advertising/Sales Issues
2/19/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Unnecessary service charges left and right. They switch around withdrawals to best serve their bottom line. On 02-02-16 they took out a $74 overdraft fee when I had $221.50 in my account. This of course led to my being overdrawn, so they were able to charge me two more $37 fees. I check my account daily. I anticipate what my withdrawals are going to be. I have had this discussion with them multiple times as to how things look like they have gone through. The next time I look at my account, everything is switched around so that I have become overdrawn, and they make money on my account. I am tired of arguing with them about this. Either things are withdrawn and show this once, and not jostled around to make TCF money that I cannot afford to give them.

Desired Settlement: DesiredSettlementID: Refund I would like my overdraft fees refunded ASAP. I have money in the bank to pay my bills. I do not need to be screwed out of my funds at their discretion. I am a senior citizen living on a fixed income. I cannot afford the loss of money to TCF, nor the stress they give me. Thank you for your attention to this matter. Anything you can do for me will be appreciated.

Business Response: Initial Business Response /* (1000, 6, 2016/02/15) */ February 15, 2016 Ms. ********** ****** *** *** XXX XXth ** ** *** ********* ** XXXXX-XXXX RE: BBB Case # XXXXXXXX Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why the overdraft fees were incurred in this instance. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. The overdraft notice dated February 1, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn by $23.03. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In this instance, the five pending transactions totaling $318.53 reduced your available balance. Our records show that between February 2 and February 3, 2016 your account was assessed $148 in overdraft fees. These fees are the result of transactions posting to your account when you had insufficient available funds. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. For your review, we have enclosed our What You Need to Know about Bank Service Charges & Overdrafts notice. This notice explains how overdraft fees are assessed and how you may avoid them. Your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future overdraft fees, and you may do so at any time by visiting your local branch or by calling TCF's Customer Service Line at 800-TCF-BANK (XXX-XXX-XXXX). Ms. ******, we thank you for taking the time to share your concerns and hope this explains TCF's policies more fully. Sincerely, Melody J. Customer Response Representative Cc ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (3000, 8, 2016/02/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) They took out a total of $259 in overdraft fees. If they had not taken out the first $74.00 when I had $219 in my account, they proceeded to take out other charges that would have been covered before the $74 was taken out, things would have been fine. All of this just went out of control because of their constantly taking out their fees. I feel if they kept $74 which truly covered two transactions, it would be fine. I was not going to keep putting in funds just to be taken in fines. I would expect $37 more in a reversal to make this right. Thank you for your help in this matter.

2/19/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF bank has repeatedly refused to put me opted- out from overdrafts resulting in bogus fees. I have asked numerous times to be opted out. Continue to be listed as opted in. They also manipulate the posted debits to maximize overdraft fees for them. These fees would have never have occurred if they just kept me opted-out as requested at the branch and by phone. The way the manipulate posted debits is worrisome as well.

Desired Settlement: $222

Business Response: Initial Business Response /* (1000, 5, 2016/02/18) */ February 18, 2016 Dear Mr. *********, We received the complaint you made to the Better Business Bureau. You expressed concern about your opt-out request from overdrafts, claiming that we refuse to put you in opt-out status and manipulate the posting order. Posting Order TCF does not "reorder" transactions. In your account contract, we explain that our current practice for processing transactions on your account is as follows: First, we process deposits made before the cutoff time before we process withdrawals. Second, we process certain "priority" withdrawals before others. These include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item 6 below). We generally process these transactions in groups in chronological order within each group based on the date and time of the transaction. Third, we generally process ATM withdrawals and debit card transactions in chronological order based on the date and time associated with the transaction that are provided to us by the processor. Fourth, we generally process checks in lowest-to-highest order based on check number. Fifth, we generally process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals. Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts. Overdraft Services TCF gives you a choice for overdraft services. You can ask TCF, at its discretion, to authorize and pay overdrafts on your ATM and everyday debit card transactions. Opting-in does not guarantee authorization of every transaction. If TCF authorizes your overdraft transaction, you will pay an overdraft fee. By choosing to not to opt-in, TCF will decline your ATM and debit card transactions that exceed your available Account balance at the time of the transaction. You will not be charged a fee for declined transactions. A review of your account shows that you have changed your overdraft selection multiple times since last September through the branch, contact center, and ATM. You have opted-in to overdrafts at the ATM on September 18, 2015, October 8, 2015, November 9, 2015, and most recently on February 15, 2016. When you change your selection from opt-out to opt-in at the ATM, you are presented with six screens that make sure you want to opt-in and complete the withdrawal transaction. First Screen: "Your account does not have enough available funds for this transaction. It will be denied unless you Opt-In to TCF Overdraft Service. If you Opt-In, TCF's usual policy for approving overdrafts will apply. Do you want to Opt-In?" You selected the "Yes, Continue To Opt-In." Second Screen: "If you Opt-In to TCF Overdraft Service, TCF may, in its discretion, authorize and pay ATM and everyday debit card transactions when your account does not have enough available funds to cover them. Overdraft fees will apply." You selected the "Continue To Opt-In." Third Screen: "TCF has previously provided you with a notice called "What you need to know about overdrafts and overdraft fees," which further describes our overdraft policies. Please contact us if you need a copy." You selected the "Continue To Opt-In." Fourth Screen: "By selecting "I Agree," you are agreeing that you want TCF to authorize and pay overdrafts on your ATM and everyday debit card transactions for the checking account associated with this card." You selected "I Agree." Fifth Screen: "We will process your request by the next business day. Your current transaction will be approved." You selected "Continue To Opt-In." Sixth Screen: "You have the right to revoke your consent at any time. Call X-XXX-XXXX or visit TCFBANK.COM for more information." You selected "Continue Withdrawal." We have no control over your actions in the ATM self-service channels where you repeatedly change your overdraft selection to opt-in. Your current overdraft election is opt-in and it authorizes TCF to pay overdrafts for ATM and everyday debit card transactions. Changing your overdraft choice(s) may help you avoid future overdraft fees, and you may do so at any time by calling us at X-XXX-XXX-XXXX, visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions). Based on your complaint, we have changed your overdraft selection to opt-out for ATM and everyday debit card transactions. TCF Bank also offers two lower cost alternatives to cover overdrafts: You can borrow money from us when you qualify for and open a TCF Overdraft Protection Line of Credit; or You can use your own money by setting up an Overdraft Protection Transfer Service from your TCF savings account. TCF Overdraft Protection Transfer Service links your savings account to your checking account to cover overdrafts. We will automatically transfer funds from your savings account to cover transactions that exceed the balance in your checking account. If transactions in your checking account then exceed the amount available in your savings account, they are subject to TCF's overdraft services and fees. TCF Overdraft Protection Line of Credit is an emergency line of credit to cover overdrafts. We will automatically advance funds from your line of credit to cover transactions that exceed the balance in your checking account. If transactions in your checking account then exceed the amount available on your line of credit, they are subject to TCF's overdraft services and fees. To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. Mr. *********, we trust this clarifies the actions that were taken with regard to your TCF account. Sincerely, Courtney ** Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2016/02/18) */ (The consumer indicated he/she ACCEPTED the response from the business.)

2/19/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Paid December mortgage payment using Credit Union checking acct. TCF says payment was not received, but Cr. Union sent proof that TCF cashed the check I paid my December 2015 mortgage payment to TCF mortgage from my Genisys Credit Union checking account. TCF is stating they have never received the payment even after Genisys sent them a copy of the cashed mortgage check (cashed on 12/24/2015) with TCF's endorsement stamped on the back proving that TCF received the payment, and TCF was who cashed the check on 12/24/15. Genisys followed up with me and said TCF has the money from the check, but did not apply it to my mortgage. I called TCF and even after they received a copy of the check that they endorsed they are still reporting my December payment as not paid. This is affecting my credit report now. I also possess a copy of the cashed check proving that TCF endorsed the check and received this payment on December, 24th 2015. TCF is now reporting me over 30 days late on a mortgage that was paid back in December 2015. I need help resolving this issue.

Desired Settlement: I am looking for TCF to apply my mortgage payment to their December 2015 records and I can prove that their institution received my payment and endorsed the check. Genisys Credit Union has supplied a copy of the paid check. Genisys said they can prove that TCF received my money.

Business Response: Initial Business Response /* (1000, 5, 2016/02/10) */ February 10, 2016 ********* ****** XXXXX ******* ** ******** ******* ** XXXXX RE: Account Number XXX-XXX-XXXXXXX-XXXX Dear Mr. and Mrs. ****** Your letter to the Better Business Bureau has been forwarded to TCF Bank for response. I apologize for the difficulties you encountered when trying to pay your account. Feedback from our customers is always important and gives us an opportunity to address issues that may occur. Upon review of your account, it does appear that TCF made an error when posting your December payment and for that, I apologize. We have waived the late fee that was assessed due to the payment being applied incorrectly and have backdated your payment to reflect the date of the check (XX-XX-XX). Although there was a posting error, TCF did not report any derogatory remarks on your credit bureau. However, if you have documentation that states there has been negative reporting, please provide documentation so we can further review. Sincerely, Jean ************ Supervisor Retail Lending XXX-XXX-XXXX Initial Consumer Rebuttal /* (2000, 7, 2016/02/19) */ The customer indicated that he/she ACCEPTED the business response.

2/8/2016 Advertising/Sales Issues
2/8/2016 Billing/Collection Issues
2/1/2016 Problems with Product/Service
1/22/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF charged overdraft fees for items already posted to my account in the positive, then charged for overdraft fees for pending transactions I started the day (1/4) with $373 dollars in available funds. TCF claims they "paid" my pending transactions first, hitting me with overdraft fees for 4 transactions that had already posted to my account that morning. Two days later, I was then hit with overdraft fees for those pending items that they had supposedly paid, charging me $222 total for 6 overdraft transactions. Since none of the transactions were over $200, at least one of them would have kept my account positive.

Desired Settlement: I believe TCF owes me $185 for charging me overdraft fees on charges that had already posted to my account at least one day before 1/4. At a minimum, they owe me $37, if I accept their shady accounting practices.

Business Response: Initial Business Response /* (1000, 5, 2016/01/19) */ January 19, 2016 Ms. **** ****** **** S ****** ****** ******* ** XXXXX-XXXX Re: BBB Case # XXXXXXXX CFPB Case # XXXXXX-XXXXXX Dear Ms. ******, We received the inquiries you submitted to the Better Business Bureau and the Consumer Financial Protection Bureau. We appreciate the opportunity to respond to your concerns. You express concern regarding overdraft fees that were assessed to your TCF Bank checking account. We would like to take this opportunity to explain why the overdraft fees were incurred. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. For example, the overdraft notice dated January 5, 2016 (copy enclosed) shows that your available balance after pending and posted transactions was negative $120.74. This is why your account was assessed overdraft fees. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. While there may be sufficient funds in your account at the time we authorize a debit card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment ("settlement"). Our records indicate that between January 5, 2016 and January 14, 2016 your account incurred $518 in overdraft fees. To assist you, we have reversed $259 of these fees. This transaction will appear as a credit on your next statement. Please note that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and electronic transfer transactions. Changing your election(s) may help you avoid future overdraft fees. To further assist you, we have also enclosed a copy of our brochure "What You Need to Know About Bank Service Charges and Overdraft Fees" for your review. This is a great resource to assist customers with avoiding or reducing overdraft fees in the future. Ms. ******, we hope this explains TCF's policies more fully. Sincerely, Courtney ** Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Consumer Response, Consumer Financial Protection Bureau Initial Consumer Rebuttal /* (3000, 7, 2016/01/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) $333 of those overdraft fees were due to fraudulent charges on my account. I had to get in touch with TCF reps 4 different times to make sure I got credited the full amount. My complaint was with the $185 TCF charged me in overdraft fees. Crediting my account $259 did not answer my complaint at all

1/21/2016 Problems with Product/Service
1/11/2016 Billing/Collection Issues
1/6/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Closed account in 11/04/2015 and the bank is holding the money that was available. I am a tourist in The USA and opened a checking account in TCF Bank. To open the account they asked for my SSN and Passport/Visa. In 10/01/2015 I receveid a letter from the bank asking for a copy of my Passport/Visa and I did not respond. In 10/27/2015 they blocked my debit card and account. In 01/11/2015 I visited the bank asked for the money ($1,506.52) that was in the account and talked to the assistant branch manager, she said that they could not withdraw the money because another department put an hold on my account and that I should wait untill they call me. After two days I went to the bank again and they said that the bank has sent a check with the money to my address. I waited untill 11/21/2015 and did not receive the check and visited the bank again. Talked to the branch manager, she said that they could not cancel the check and she would investigate where was the check. In 11/24/2015 I received a call from the branch manager asking if had the check or not, which I did not. I called the bank several times and e-mailed the branch manager two times, but no answer at all. Me and my wife were here visiting family, she went back home and I can't go home because the bank is holding my money. RT: ********* Acc: **********

Desired Settlement: Give back the money that they're holding for more than a month now. I'm borrowing money from family to survive untill the bank return my money.

Business Response: Initial Business Response /* (1000, 5, 2015/12/22) */ December 22, 2015 Mr. ******* ******** ******************** Farmington Hills, MI 48334 Re: BBB Case # ********* CFPB Case #************** Dear Mr. ********, We received the inquiries you submitted to the Better Business Bureau and to the Consumer Financial Protection Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding the Official Bank Check that was mailed to you upon the closure of your former TCF checking account. A review of TCF records indicates that the Official Bank Check was mailed to the address listed on file for your account on November 4, 2015. The letter containing the check was returned back to TCF as being undeliverable. Enclosed you will find a new Official bank Check in the amount of $1506.52, which represents the closing balance of the account. We apologize for any inconvenience this situation may have caused you. Mr. ********, we thank you for taking the time to inquire about your former account. Sincerely, Erik M. Customer Response Representative Cc: ************, Mediation Coordinator, Better Business Bureau Consumer Response, Consumer Financial Protection Bureau

12/29/2015 Advertising/Sales Issues
12/24/2015 Billing/Collection Issues
12/21/2015 Problems with Product/Service
12/18/2015 Problems with Product/Service
12/18/2015 Advertising/Sales Issues
12/17/2015 Problems with Product/Service
12/16/2015 Advertising/Sales Issues
12/14/2015 Advertising/Sales Issues
12/2/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: well tcf bank has been giving me overdraft charges the same day that i re-payed a overdraft they been doing this for years to me i want all of those fees reversed i have a big family to raise and this hurts us financtialy

Desired Settlement: DesiredSettlementID: Other (requires explanation) want tcf bank to pay the overdraft money back they had s

Business Response: Initial Business Response /* (1000, 5, 2015/11/19) */ November 19, 2015 Mr. ****** **** *** ****** ** ********* ** XXXXX-XXXX BBB Case # XXXXXXXX Dear Mr. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding daily overdraft fees that were assessed to your account. TCF's Choice Checking account charges a daily fee for overdrafts and returned items on each calendar day that the balance is negative more than $5.00. Please see the enclosed Choice Checking Account Summary for more information about the Choice Checking account type. TCF records indicate that between October 10, 2015 and November 18, 2015 transactions were presented for payment from your account when there were insufficient funds, resulting in $560.00 in daily overdraft fees. To assist you, we have reversed these fees. This credit will show on your next statement. Please note that your current overdraft elections authorize TCF to pay overdrafts for both choices. Changing your elections may help you avoid future overdraft fees. If you would like to change your overdraft election(s) or your account type, please visit your local TCF branch location or contact TCF's Customer Service line at 1-800-TCF-BANK (1-800-823-2265). To further assist you, we have enclosed our brochure What You Need to Know about Bank Service Charges and Overdrafts for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. Mr. ****, we value you as a TCF customer and consider it a privilege to serve your banking needs. Sincerely, Melody J. Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2015/12/02) */ The customer indicated that he/she accepted the business response.

11/20/2015 Advertising/Sales Issues
11/20/2015 Advertising/Sales Issues
11/17/2015 Advertising/Sales Issues
11/16/2015 Problems with Product/Service
11/13/2015 Advertising/Sales Issues
11/13/2015 Advertising/Sales Issues
11/2/2015 Advertising/Sales Issues
10/29/2015 Billing/Collection Issues
10/23/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF charged an overdraft fee of $37.00 based on pending charges that never went through my account I made a few purchases using my TCF bank card as normal(making sure to keep track of my account so I don't overdraft) however when I looked at my account online I found that they had indeed charged me an overdraft fee even though my account never went negative. As soon as i noticed that it happened i went straight to my local bank at ******************, Robbinsdale, MN 55422, to ask them what happened and they printed out a sheet and said you went over right here so i went home and recalculated my account register and compared it to my online account register and i found that on the sheet of paper they gave me there were additional charges in the pending section that didn't exist anywhere on my register, paper copy or online from their account management section. So i attempted to call customer services rather then go back into that location and deal with people who flat out lied to my face and essentially called me an idiot for not keeping track of my money. However when I finally managed to speak to someone they told me that they would not refund the money saying that those charges existed even if they have no record of them besides what comes up when they pull up the overdraft notification. Eventually I gave up and just hung up the phone. Then went back to looking through my account to try to figure out what these charges could possibly be and I went to the retailers involved and asked them and it all became clear the 'pending charges' were because I had paid at the pump with my card so its a verification charge to make sure there is money in your account before it lets you pump gas. After learning that I found out that those charges never processed to my account and were never taken the payment was canceled by the merchant that same day. A few months later 10/08/2015 at approximately 9am I brought all this information into the TCF at ***************** Crystal, MN 55428 and asked to speak to a manager whom refused to speak to me (or allow the employee give me his/her name) so i had to deal with an employee who seemed fairly knowledgeable and attempted to help me with the issue and when he couldn't understand why I had been charged he went in the back and talked to the manager and was told because i had swiped my card the money was taken out of my account immediately and it wasn't returned to the account for 2-3 business days after it was canceled which is why even though the payments were canceled days prior i was still charged an overdraft fee. So i questioned how and or why my funds were removed from my account based on a pending charge that was canceled the same day it was made rather then just put a hold on as TCF claims it does for pending transactions and asked that the overdraft fee be rescinded considering i never over drew my account. The manager told him it happened to long ago so it is not possible to refund the money nor would he/she under these conditions because it was my error

Desired Settlement: I would like my $37 fee refunded immediately as well as reprimanding (for the managers) and additional training for the branches involved so that the incident is never repeated for anyone else

Business Response: Initial Business Response /* (1000, 5, 2015/10/14) */ October 13, 2015 ******** ********* **************** Minneapolis MN 55422 Re: BBB case #******** Dear Mr. *********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. We apologize if the service you received at our Robbinsdale and Crystal TCF branches did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you describe in your letter and will be addressing it appropriately. You express concern that your account recently incurred an overdraft fee when there were sufficient funds in the account to cover the transactions. We would like to explain why an overdraft fee was assessed in this instance. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. TCF's Terms and Conditions for Checking and Savings Accounts states we reduce your available balance immediately when we authorize a transaction and before the item is submitted to us for payment. . Some merchants, such as gas stations, may request an authorization amount and then submit a different transaction amount to TCF for payment. An authorization may be for more or less than the actual amount of the transaction ultimately submitted to us for payment by the merchant or other party. In some cases, we may authorize a transaction, but it may never be submitted to us for payment. Your available balance generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past 3 days. While there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment ("settlement"). For example, our records show that your available account balance at the beginning of nightly processing on June 26, 2015 was $146.37. Five pending authorized transactions in the combined amount of $54.02 reduced the available balance to $92.35. This balance was insufficient for the transactions that posted that night in the combined amount of $121.87, resulting in a $37.00 in overdraft fee. We have enclosed your Notice of Overdraft for your review of this process. As a courtesy, we have waived the $37.00 overdraft fee. This will appear as a credit on your next statement. Mr. *********, we value your relationship with TCF and the feedback you have provided. Sincerely, Deborah Z Customer Response Representative Cc: ************, Data Quality Specialist, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2015/10/23) */

10/15/2015 Advertising/Sales Issues
10/15/2015 Billing/Collection Issues
10/15/2015 Advertising/Sales Issues
10/5/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I overdrafted my checking account. When I tried to rectify this problem I was being told several different times different balances and was sent to the creditors on a balance I was told I did not owe. They are now telling me I owe $22. I was also put into the check system never actually writing any checks against my account. When I asked about that I was not given any answers. I do not deny my account was in the negative however I am beginning to doubt the records they have kept on my account are accurate because when I went to the bank the teller was confused herself and could not make sense of my account and the charges on it.

Desired Settlement: I would like for my information out of check systems and my account cleared and closed. I would like to be able to open up another account in another bank without this issue on my record.

Business Response: Initial Business Response /* (1000, 10, 2015/09/18) */ September 18, 2015 Mr. **** ******* ** ***** **** *********** ** XXXXX BBB Cash # XXXXXXXX Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding the status of your account and a report made to a consumer reporting agency. TCF records indicate that between May 12, 2015 and May 20, 2015 you incurred $370.00 in overdraft fees. When your account remained overdrawn, TCF closed the account on July 10, 2010. The balance owing of $238.58 was sent to Millennium Credit Consultants (MCC) for collection, and the account was reported to ChexSystems for insufficient funds activity. Due to the circumstances, we have directed MCC to stop collection activities and are waiving the remaining balance owed of $23.58. We have also requested that your record at ChexSystems for this account be removed. Mr. *******, thank you for taking the time to bring your concern to our attention. Sincerely, Pamela ** Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (3000, 12, 2015/09/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) On September 18,2015 I was still charged the amount of $23.58. And being I am away at college and I needed to open up another bank account so I can have money sent to me by my mother I had no choice but to pay this off. I do not understand if the remaining balance was waived I would still be charged this today. I feel that you have taken advantage of the situation and that you do not give your employees proper access or training to properly serve their customers. If the remaing balance was really waived why was I still charged or will you reimburse me what I just paid today? Final Business Response /* (4000, 14, 2015/09/24) */ September 24, 2015 Mr. **** ******* ** ***** **** *********** ** XXXXX BBB Cash # XXXXXXXX Dear Mr. *******, We received your further correspondence regarding your account and have conducted an additional review of your account history. Due to the circumstances and because you are a valued customer, we have credited your account XXXXXX3455 in the amount of $263.58, which represents the amount that was debited from your account to pay the owing balance. To further assist you, we have transferred this amount into your newly opened account XXXXXX2719. Mr. *******, thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, ****** ** Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau

10/5/2015 Problems with Product/Service
10/1/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TCF allowed three $400 cash advances to be made from my account, within 1.5-2 hour time frame, without flagging the account and notifying me. On Saturday, 9/5/15 my checking account began getting compromised. I was not made aware of the fraud on my account until, 9/6 when I went to have lunch in the state which I live (Michigan) and used my debit card. Saturday, 9/5/15, I made a $400 deposit at a TCF Bank in Livonia, MI, and on Saturday evening someone tried to use my debit card number to shop at a gas station, in Mississippi. My card number was then used on Sunday 9/6/15, to obtain three $400 cash advances within a 1.5-2 hour time frame, from two PNC Banks, and then a US Bank, all which were in Illinois. TCF processed each one of those cash advances. When I received the fraud call at 3:24pm on Sunday 9/6/15, I contacted them back to dispute the charges, and I contacted TCF to file the claim with *** E. On Sunday, I spoke to Kelly (Teller Lead XXXXX) at TCF, and she told me she would contact *** E on my behalf to see if they could rectify the situation quicker. She was to call me on Tuesday, 9/8, and did not. I called TCF today, Wednesday, 9/9/15 to get a status and Kelly is out of the office. I spoke with Eddy at TCF at ~11am, this morning, and he told me *** E would not make a decision until 9/18. This is a security compromise on TCF's side, and as the customer I am being penalized. TCF/Visa were negligent as far as contacting me about the suspicious activity, in a timely manner, and negligent in processing the transactions. Three significant $ amount transactions were processed, in a totally different state from where I reside, with no flag being triggered. I live in Michigan, and I only have one debit card issued on my account. It was not until I made a purchase at ***** ****** in Livonia, Michigan, on Sunday, 9/6/15 that a potential fraud activity call was issued to me.

Desired Settlement: I am seeking to have the funds reversed. Due to their negligence I should not have to be inconvenienced to wait until their investigation is complete. A provisional credit would be the proper resolve in this matter, effective immediately. The allowance of these sizable transactions to post to my account has jeopardized payments for other accounts, as well as, there is a likelihood of late fees to be incurred.

Business Response: Initial Business Response /* (1000, 5, 2015/09/21) */ September 21, 2015 Ms. ******* ************ ***** ****** *** ******** MI XXXXX RE: CFPB Case # XXXXXX-XXXXXX BBB Case # XXXXXXXX Dear Ms. ************, Your inquiry filed with the Consumer Financial Protection Bureau and the Better Business Bureau has been forwarded to TCF Bank for response. We appreciate the opportunity to respond to your concerns. You expressed concern regarding the resolution of your unauthorized transaction claim and the process TCF follows for handling these claims. TCF records indicate that on September 6, 2015 you filed a claim for unauthorized transactions on your account. On September 11, 2015 a provisional credit in the amount $1,200.00 was applied to your account while the claim is under investigation. Under federal law, a financial institution is required to provide a "provisional credit" while a claim is being investigated within 10 business days of a claim being initiated. If TCF determines that the transactions are unauthorized or erroneous, the provisional credit becomes permanent. In reference to your concerns about TCF alerting you of this activity, TCF works with Visa Fraud Prevention to monitor card activity. Our records indicate that Visa Fraud Prevention contacted you on September 6, 2015. We regret if the service you received from our TCF employees when you attempted to resolve this situation, did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. Ms. ************, we thank you for taking the time to inquire about your account. We value you as a TCF ********, and we consider it a privilege to serve your banking needs. Sincerely, ***** ** ******** Response Representative Cc: Consumer Response, Consumer Financial Protection Bureau ****** ****** Mediation Coordinator, Better Business Bureau

9/25/2015 Problems with Product/Service
9/21/2015 Billing/Collection Issues
9/18/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The last transaction I authorized on my checking account took my balance from $70 roughly to -$239 and change, I was charged 8x$37 in fees for 1 trans I checked my account via the app today (9/2/15) and saw there were 8 overdraft fees charged to my account for a single transaction. My account balance on 08/31/2015 was $70 and change after making a DEBIT PIN purchase at Cub foods. I then proceeded to the atm to take out cash, the atm DID authorized a cash withdrawal of $300.00 which made my account -$239 and change. I checked my bank account and there is a single overdraft charge for $185.00; and three additional fees for $37 each totaling $296.00. I could not find a reason by looking at why this happened. I contacted the 800 number via the app and spoke to a rep, i immediately asked for a manager as i knew this would require one. I spoke to a manager named Emile (ID: 13859), Emile kept interrupting me several times, I had to raise my voice so loud it hurt to get in what i wanted to say. I want that call reviewed because his level of customer service was in the negatives. I tried to relate to him and understand him but it was very frustrating when all he would do is repeat his statements over and over and interrupt me constantly in addition to talk over me. Emile explained how TCF processes the transactions and it was never explained well enough for me when i agreed for overdraft protection. I understand I agreed to pay the $37.00 fee for the atm transaction that was honored, but not 8 fees for one transaction. Emile tried to explain saying that even though the transactions are "authorized" they are not paid until the merchant closes the charge out. I told him when any charge is authorized, the money is taken out of the "Available" portion of my balance and held to be paid to the merchant. This money was taken and held for all the authorizations and according to Emile, TCF will still charge me a $37.00 fee for money that was already there to be paid the fee for. Emile read off the order in which TCF processed the transactions in the next business day. It seems that TCF paid the ATM fee, then took transactions that occurred before the atm one, and posted those after the atm one to incur fees on top of it. That to me is very agregious banking and I can see why the Federal Government put a massive penalty on banks doing this type of thing. This is insane that TCF charged me $37.00 for a $1.50 transaction that was authorized, also the money was held till it was paid. THE MONEY WAS ALWAYS there. This complaint is based off of the communication with Emile, i asked Emile for his manager, which he said he cannot give me his supervisor, he told me he wasn't even the manager i asked for in the first place and was titled a "Team Lead" of some sort. He did agree to have a call back by a real manager within 24 hours. Here's the problem I am having. I was not out and about recklessly charging up overdrafts. All the transactions were sent and authorized far before the ATM one was. I feel responsible for ONE of the 8 fees assessed to my account. That is all i am willing to pay. Emile offered to refund THREE of the EIGHT fees as a courtesy. I refused that. That is a huge slap in the face to be told i have to pay $185 for charges that were authorized for money i had in my account.

Desired Settlement: I want the other 7 overdraft charges to be credited to my account. I refuse to pay any of the additional seven charges because there was money that was taken and held by TCF Bank, FOR the authorized charges. TCF reordered the transactions and hit me with fees. I feel that I was taken advantage of my the system of TCF and was treated poorly by their rep Emile. I am more than happy to reach out to media regarding this, including the CFPB if my resolution cannot be met. This is very saddening as I am a new member to TCF and wanted to build a very strong relationship with the bank. I am very sickened by this situation.

Business Response: Initial Business Response /* (1000, 5, 2015/09/16) */ September 16, 2015 Mr. ****** ******* XXXXX XXth *** N **** ************ ** XXXXX Re: BBB Case # XXXXXXXX Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding the overdraft fees incurred on your account. We would like to take this opportunity to explain how the overdraft fees were incurred in this situation. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example, in the notice dated August 31, 2015 (copy enclosed), the beginning available balance was $275.56. From this balance we subtracted the transactions that were pending; in this case there were three transactions totaling $316.15. The available balance was then overdrawn by -$40.59. Then we subtracted the transactions that were posting; in this case the eight transactions totaling -$189.80. The available balance after pending and posted transactions was therefore overdrawn by -$230.39, which is why your account was assessed overdraft fees. While there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment ("settlement"). Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. TCF records indicate that between September 1, 2015 and September 2, 2015 you incurred $296.00 in overdraft fees. On September 11, 2015 TCF reversed $259.00 of those fees. As a courtesy, we have reversed the remaining $37.00. You will see this as a credit on your next statement. To assist you, we have enclosed our brochure "What You Need to Know about Bank ******* Charges and Overdrafts" . This brochure explains how overdraft fees are assessed, how you may avoid them, and how your transactions affect your available balance. You also express concern regarding the ******* you received from TCF's ******** ******* department. We apologize if the ******* you received did not meet your expectations. It is our goal to provide ******* that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every ******** interaction. Mr. *******, thank you for banking with TCF. We truly value you as a TCF ******** and consider it a privilege to serve your banking needs. We trust this explains why overdrafts were assessed in this case. Sincerely, Erik M. Retail Correspondence Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2015/09/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank You for making this situation right. I really appreciate it and it will retain me as a customer long term.

9/17/2015 Advertising/Sales Issues
9/17/2015 Advertising/Sales Issues
9/17/2015 Billing/Collection Issues
9/16/2015 Delivery Issues
9/15/2015 Advertising/Sales Issues
9/14/2015 Advertising/Sales Issues
9/9/2015 Advertising/Sales Issues
9/9/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Improper Fee and Notification Charged for Money Transfers My daughter contacted me on 8/29 and indicated that she was seeing unexplained charges on her TCF Checking account. These charges were for $15.00 each and defined as "excessive withdrawal fee". She contacted TCF directly and was told that she had exceeded 6 electronic transfers for the month, and they had previously notified her be mail of this change in practice. My daughter is in college and has 2 accounts, one accessible by me and the other her own private account. Given she has limited funds, she was caught unaware of the new limitation on transfers. A practice she had gotten used to using the past 2 years. My complaint involves the banks lack of notice and lack of description after the fact, when a customer is making a transfer which exceeds TCF's new limit. A simple message, indicating an access transfer is being processed and you will be charged $15.00 if you proceed, would have been easy to implement. TCF easily changed their financial systems to charge the $15.00 for each transfer overage. It would have been a simple system change to add a penalty message with each transfer attempt vs. the route TCF chose. Given TCF's unwillingness to negotiate a reversal and the lack of system notice of the applicable charges, I feel the BBB needs notification of this practice.

Desired Settlement: Reversal of Transfer Fee Charges - currently at $45.00

Business Response: Initial Business Response /* (1000, 5, 2015/09/04) */ September 4, 2015 Mr. ******* **** XXXX XXth Ave S. Minneapolis, MN XXXXX BBB Case # XXXXXXXX Dear Mr. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern about TCF's fee for excessive withdrawals from your daughter's account. TCF notified its customers of this fee, which was effective January 15, 2015, in November of 2014. We regret that you did not see this notice. The purpose of the fee is to encourage individuals to use their savings accounts for saving money rather than as a substitute for a checking account. In addition, federal regulations prohibit more than six transfers or withdrawals (or a combination of transfers or withdrawals) from a savings account during a calendar month (or monthly statement cycle). The following list defines the types of transactions that are limited for transfers or withdrawals to another account with TCF or to a third party by preauthorized automatic transfers: Online banking or recurring transfers Bill Payment Phone Transfers Wires ACH debits Overdraft protection transfers Checks POS/card purchases/payments/cash advances TCF does not limit the number of transfers or withdrawals from your account to other TCF accounts you own if conducted at an ATM or in person at a branch. No excessive withdrawal fee is charged for these transactions. Due to TCF's privacy policy, we are responding to your daughter directly regarding her account. Mr. ****, we thank you for taking the time to bring these matters to our attention and trust this information addresses your concerns. Sincerely, Holly S. Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) My daughter's are in Schools in Bozeman, MT and in LaCrosse, WI. so access to ATM's and a Bank are limited. If this is a Federally Prohibited practice, why is TCF allowing the transfers and then taking $15.00 per occurrence? I have advised my daughters to shut down their accounts and figure out another banking option.

9/7/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: On 8-11-15 I went shopping using my debt card unaware of a check in the amount of 25.00 posting to my account. On 8-12-15 I checked my account balance at 8:00 am and saw the account was negative $8 and some change so I transferred 10.00 into the account to cover all pending transactions. Yesterday 8-16-15 I received a letter in the mail telling me my account was overdrawn by $35 and some change. I spoke to the rep and he said they will not be refunding me my money because of the time the transfer was made even though the items they are issuing the fee for had not posted to my account.

Desired Settlement: I Want the 37.00 placed back into my account.

Business Response: Initial Business Response /* (1000, 10, 2015/08/25) */ August 25, 2015 Ms. ******** ****** **** N ****** *** ******* ** XXXXX BBB Case # XXXXXXXX Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding on overdraft fee that was assessed to your account. We would like to take this opportunity to explain why an overdraft fees was assessed in this instance. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations; in this case, the LEE NAILS CLARK, EVANSTON 2209 Howard and OFFICE MAX transactions. The overdraft notice dated August 11, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$8.81. This is why your account was assessed an overdraft fee. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking, pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. While your $10.00 transfer was conducted before the pending fee appeared in online and mobile banking, the transfer was not conducted in time to avoid the fee. TCF records indicate that on August 12, 2015 you incurred a $37.00 overdraft fee. To assist you with this situation, we have reversed this fee. Ms. ******, thank you for taking the time to submit your inquiry. Sincerely, ****** M. Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Better Business Bureau

9/7/2015 Advertising/Sales Issues
9/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF Bank - I have had numerous issues with misleading statements from branch and customer service inquiries. Account Number: XXXXXXXXXX 1. September , 2013 - Initial Sign up - Was given confirmation that I was set up for overdraft protection. 1759 W Odgen Ave Naperville, IL location - Later charged fees for overdraft after being told that I am required to sign up for a TCF credit line. 2. July 2015 - Overdraft of $5.19. Was told via branch that I could call for overdraft of more than $5.00 and can challenge. 4 Phone calls with more than 30 minutes wait time on each. Finally reached on 5th try to be told that no error existed, and there is no compromise. 3. February 2015 - Began charging a $2.00 paper statement fee with no communication or warning. TCF has made statements, most specifically through their customer service hotline, that are misleading.

Desired Settlement: $96.00

Business Response: Initial Business Response /* (1000, 5, 2015/08/20) */ Mr. ****** ****** 20 Palatine 444 Irvine, CA 92612 BBB Case # XXXXXXXX Dear Mr. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding information you received from our TCF employees. In regard to your question related to your overdraft election; review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization request. We are sorry for any misunderstanding there may have been when you were making your elections. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. Further review indicates that on February 12, 2014 you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request. Also please note, opting out of TCF's authorization of payment on your ATM and everyday check card purchases does not apply to recurring check card transactions, such as (Netflix) because those types of transactions involve an agreement between you and the merchant. TCF is unable to decline a payment once an agreement has been made. You also express concern regarding the paper statement fee that became effective on January 15, 2015. TCF's Deposit Account Services and Prices Schedule explains that there is no charge for monthly account statements received online. Review of your account indicates that you recently updated your account, so that going forward you will now receive statements online. TCF records show that between February 2015 and April 2015 your account incurred $6.00 in paper statement fees. Our records also indicate that between June 30th and July 29, 2015 you incurred $74.00 in overdraft fees. While we view these fees as legitimate, to assist you we have reversed them. This transaction will appear as a credit on your next statement. To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. In addition, TCF's records for the address on file do not match the address you provided to the Better Business Bureau. In order to verify your account information and update your address, please fill out the enclosed Customer Information Change Form and have your signature on the form notarized. We have enclosed a postage paid return envelope for your convenience. Mr. ******, I trust that the information provided has explained TCF's policies and procedures more fully. Sincerely, Holly S. ******** Response Representative Cc: Taylor Keate, Mediation Coordinator, Better Business Bureau

9/1/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Total balance due on statement did not reflect the amount owed, resulting in a finance charge. On July 7 I received a bill for $295 on my Equity Line of Credit. I paid the bill in full. I did not make a withdrawal or any charges on the account. On August 10 I received another bill indicating that I still owed $76.01 on the account. No charges had been made and no fees had been assessed. I called Customer Service on August 11 and they admitted that there might be some "confusion" on my end about their billing procedures. I had been billed an annual fee in June, which did show up on my statement but was not included in the balance on on that statement. When they applied my payment, they applied the funds to their fees first ($75). This fee is not subject to an interest charge. They applied the remainder of the balance ($220) to the principal on my account which was not enough to cover the entire principal balance ($295). The $75 fee was not included in the total amount due on my statement. The remaining balance on my account ($75) was subject to, and charged, interest. In short, they billed me $295, I paid $295, but I actually owed $370 and they charged me interest because I did not pay my account in full.

Desired Settlement: I would like TCF Bank to change their statements so that the balance due actually IS the balance due rather than expecting customers to add up the billing on their own. I would like TCF Bank to close my Home Equity Line of Credit account.

Business Response: Initial Business Response /* (1000, 5, 2015/08/20) */ Your inquiry to the Better Business Bureau regarding your loan account number XXX-XXX-XXXXXXX-XXXX has been forwarded to TCF Bank for response. I hope to resolve the concerns you raised in your letter. In review of your account and the statement you referred to it indicates that the amount of $295.00 was the remaining principal balance. Per the loan agreement your minimum payment for the billing cycle will be equal to the interest you owe for the billing cycle or $50.00 whichever is greater. Because the interest for this billing cycle was only $1.02 you were billed the minimum payment amount of $50.00 plus $75.00 for the Annual Fee that was assessed on June 2, 2015 for a total of $125.00. When the payment of $295.00 was posted on July 10, 2015 the allocation was $50.00 to the billed amount which included the finance charge of $1.02, then $75.00 to the annual fee and the remaining amount allocated to the principal balance. This left a remaining principal balance of $76.02. A payment was then received on August 17, 2015 for $76.53 which paid your account in full. Per your request your account has been closed. If you have any other questions or concerns I can be reached at XXX-XXX-XXXX. Sincerely, Marlene Koller Supervisor Consumer Loan Servicing

8/31/2015 Problems with Product/Service
8/31/2015 Problems with Product/Service
8/27/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Excessive overdraft fees on my account over less than a 2 week period totaling over $1000. Although I have been a customer for several years, TCF continued to allow me to make purchases and withdraw money without any notification at all that my account was in the negative. I was even charged $37 for a $1.77 purchase. This is just bad business. I would never buy stupidly if I had known I was overdrawn. When I realized the account was negative I immediately transferred money from my savings, borrowed money from my teenage son & scaped up every penny I could find to head over to the bank & get it handled. The overdrafts put my account into such a negative state that I went in to the Fridley branch in tears. I was directed to the branch manager, who was a decent enough person but she "couldn't" help me. She said due to the amount (over $1100) she would need to direct it to her general manager. She said she would call me before the end of the day. Instead, she had the poor college aged kid who had originally helped me through my tears call me at 5 mins to 6:00pm to tell me that the Regional Mgr. said they could not do anything to reverse ANY of the fees. I was given his number & have left several messages, with no reply. I realize I made a mistake somewhere in not tracking my account, but the overdrafts were a 200% profit for TCF over the mistake I made & they were all repaid. I am left not knowing what to do or how to feed my family or pay my rent. Sure wish someone at TCF would show some compassion & be human. I think I may have to just change banks.

Desired Settlement: I would like TCF to seriously look at their overdraft policies, & more carefully consider what should be an acceptable cap before ceasing purchases. I would also like to be able to pay my rent & feed my family this month.

Business Response: Initial Business Response /* (1000, 5, 2015/08/25) */ August 25, 2015 Ms. ***** ******* Apt 259 **** N ********* ***** ******** ** XXXXX-XXXX Re: BBB Case # XXXXXXXX Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding the overdrafts assessed to your account and TCF's notification process. We would like to take this opportunity to clarify the process more fully. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. TCF mails a system generated Notice of Overdraft or Adjustment when an account is overdrawn. To assist our customers with maintaining their account, TCF also offers account balance alerts via Online and Mobile banking. To set up the delivery method for the alerts, please sign into Online Banking and go to Home->Alerts and Messages->Manage Delivery Options. You can then add your email address or cellular phone number as an email address. An example of the cellular phone format would be **********@tmomail.net. Searching for "cell phone number email address" with your phone carrier name online should bring up the correct format. If you would like to set up these alerts and need assistance you can call our ******** ******* Line at 1-800-TCF-BANK (X-XXX-XXX-XXXX) to speak with an Online Banking Specialist. You also expressed concern regarding your overdraft elections. Review of the Overdraft Election section of your account agreement that you signed on July 17, 2010 (copy enclosed) indicates that you asked TCF to pay ATM, everyday debit card transactions, checks, and ACH transactions that exceed your account's available balance at the time of the authorization request. We are sorry for any misunderstanding there may have been when you were making your elections. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. We see that you changed your election on August 17, 2015 and asked TCF to decline ATM and everyday debit card transactions that exceed your available balance at the time of the authorization request. TCF does not have record of a request to change your overdraft election for checks and ACH transactions prior to this date. Between August 4, 2015 and August 18, 2015, your account incurred $1,221 in overdraft fees. To assist you, we have reversed $592 of these fees. This transaction will appear as a credit on your next statement. Ms. *******, we thank you for taking the time to bring these matters to our attention and trust this information addresses your concerns. Sincerely, Courtney L. Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2015/08/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)

8/25/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I took money out of the TCF ATM out of my account 300.00 at TCF on XXXX XXnd Ave Kenosha , WI XXXXX XXX-XXX-XXXX on June 29,2015 money came out of machine my baby dropped bottle in back of car I turned picked up then went to retrieve my money ATM suck money back in. A message on screen said contact your financial institution I tried to again take out 300 machine said was over limit I then again took out 200 and it let me have it filed complaint on Monday because that first 300 was never credited back to my account ended up filing a complaint request on July 6 2015 after a week just wanted my money bank gave me a provisional credit which fine with then August 14 2015 took my 300 back out of my account without my knowledge I was on vacation and that left me short ruined a portion of my families vacation now on August 18 2015 had to file another complaint request and I sit without my money because first request was denied that is my money that is theft those ATMs are counted everyday 300 over had to have come up this has been the biggest bunch of crap ever I will go as far as court to get my money back I have been with TCF for 12 years and have my paychecks direct deposited that stops now I will be closing account once this matter clear this is theft once again.

Desired Settlement: DesiredSettlementID: Refund 300.00 plus extra for this hassle all summer and ruining part of a family vacation

Business Response: Initial Business Response /* (1000, 5, 2015/08/25) */ August 25, 2015 Mr. ******* ******* ******** XXXX Xth *** ******* ** XXXXX BBB Case # XXXXXXXX Dear Mr. ********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding the resolution of your ATM error claim. TCF records indicate you filed an ATM error claim on June 30, 2015 in the amount of $300.00. The claim was initially denied; however, after an additional review was conducted, the decision was made to pay the claim. A credit in the amount of $300.00 has been made to your account. We sincerely regret any inconvenience you may have experienced as a result of the reported transaction error and appreciate your patience during this process. Mr. ********, we value your relationship with TCF and will strive to renew your confidence. Sincerely, Pamela M Customer Response Representative Cc: ****** ****** Mediation Coordinator, Better Business Bureau

8/24/2015 Advertising/Sales Issues
8/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: There is a misrepresentation/discrepancy of available funds online banking vs branch banking. On 7-29-2015 I deposited a checkat TCF bank Melrose Park illinois at 1415 W . North avenue, 60160 location. The manager said the funds would be available by tomorrow (7-30-2015). On the afternoon of 7-30-2015 after checking with my TCF online banking it said the funds were available. I paid for transportation to get to the TCF bank at 4042 W. Foster 60630. The manager said the funds are not available. I paid for transportation to get back and then called customer service. Customer Service told me the funds were available, I told them I was not going to go back to the bank to argue with the manager after just leaving there - could someone call the manager there and speak with them? They said have the manager call us when you get back there. I told them I was not going to risk another trip to the bank. I called back again to talk to a different representative and they said the funds are available again I asked them to call the bank manager for me because he would not allow me to withdraw the funds. I then asked to speak to a manager Cole and he said that the funds were not available. So I called customer Service back again!! And two customer service reps told me the funds were available!!! One was a TCF manager Justin! He said again the funds are available you can use your card but you cannot get the cash that is at the discretion of the branch. I do not know what to do or believe? I am disabled and needed to withdraw the money for my back taxes on my house. Please help me. TCF Bank Customer Service Representatives spoke with on 7-30-2015 Heather, Cole, Tim, Justin

Desired Settlement: On 7-29-2015 I deposited a checkat TCF bank Melrose Park illinois at 1415 W . North avenue, 60160 location. The manager said the funds would be available by tomorrow (7-30-2015). On the afternoon of 7-30-2015 after checking with my TCF online banking it said the funds were available. I paid for transportation to get to the TCF bank at 4042 W. Foster 60630. The manager said the funds are not available. I paid for transportation to get back and then called customer service. Customer Service told me the funds were available, I told them I was not going to go back to the bank to argue with the manager after just leaving there - could someone call the manager there and speak with them? They said have the manager call us when you get back there. I told them I was not going to risk another trip to the bank. I called back again to talk to a different representative and they said the funds are available again I asked them to call the bank manager for me because he would not allow me to withdraw the funds. I then asked to speak to a manager Cole and he said that the funds were not available. So I called customer Service back again!! And two customer service reps told me the funds were available!!! One was a TCF manager Justin! He said again the funds are available you can use your card but you cannot get the cash that is at the discretion of the branch. I do not know what to do or believe? I am disabled and needed to withdraw the money for my back taxes on my house. Please help me. TCF Bank Customer Service Representatives spoke with on 7-30-2015 Heather, Cole, Tim, Justin

Business Response: Initial Business Response /* (1000, 5, 2015/08/10) */ August 10, 2015 ********** ******* **** N **** *** ******* **** ** XXXXX Re: BBB case #XXXXXXXX Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. We apologize if the service you received during a recent experience with TCF did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you describe in your letter and will be addressing it appropriately. You express concern regarding the availability of funds in your account. . TCF general policy regarding the availability of funds from a check deposit is that the first $250.00 of checks deposited on a business day will be available funds on the day of deposit for cash withdrawal and card authorization purposes, otherwise the deposit will be available the second business day after the day of deposit (except for checks with next day availability, which are U.S. Treasury checks, checks drawn on TCF National Bank, Checks drawn by a state or local government used with a special deposit slip, Federal Reserve Bank checks.)The expedited release of the funds in a cash withdrawal at a branch is at the discretion of the Branch Manager. We regret any misunderstanding there may have been regarding this matter. We are glad to see you were able to withdraw funds on July 31, 2015. Ms. *******, we thank you for banking with TCF and communicating your concern. Your feedback is valuable in determining area that may be improved. Sincerely, Deborah Z Customer Response Representative Cc: ****** ****** Data Quality Specialist, Better Business Bureau

8/17/2015 Billing/Collection Issues
8/17/2015 Problems with Product/Service
8/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: for the year of 2014 we were charged over 4000.00 in od charges, 2015 over 1500.00 in overdraft charges,I feel these are excessive and In the years with TCF we have been charged excessive fees, each year when we complain the reverse some but 2014=over 4000 2015=over 1500 We have switched banks and I have not changed how I use my account and have had NO ISSUES since changing banks. I feel TCF has practices that cause excessive charges. I would appreciate if it could be looked into, I feel as a consumer TCF is predatory. I don't know if anything can be done but I feel the amounts are excessive, I am more than willing to accept the fees if proven they are all my fault however I don't understand how they can collect fees for OD, Fees for NSF for the same transaction? example check for 50.00 is covered via OD protection yet it is returned and NSF fee and OD protection fee are charged. So end result that transaction costs the consumer in excess of 80.00 plus the cost of having an NSF check. Thank you **** R *******

Desired Settlement: I do not expect more than what is due to use but I feel we should be compensated when excessive charges were incurred

Business Response: Initial Business Response /* (1000, 5, 2015/08/12) */ August 12, 2015 Ms. **** ******* *** ****** **** *********** MN XXXXX Re: BBB Case # 57311325 Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding overdraft fees that were processed to your account. We would like to take this opportunity to explain why the overdraft fees were incurred. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. The overdraft notice dated June 23, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was negative $203.07. The card transaction for Southside Dental was paid by TCF and resulted in an overdraft fee, while the electronic transaction for Credit One was returned unpaid, which resulted in a returned item NSF fee. This is why your account was assessed a total of $74 in fees on that processing date. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. Between June 2, 2015 and July 7, 2015, your account incurred $370 in overdraft fees. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. We regret that we are not able to reverse overdraft fees from prior years. Your inquiry states that TCF should not have allowed overdrafts on your account. However, the terms of your account agreement permit us to authorize and pay overdrafts on your account. Furthermore, TCF records show that you have asked us to pay overdrafts on your account due to checks, ATM and one-time debit card transactions. You may change these elections at any time by calling us at X-XXX-XXX-XXXX, visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions). Changing your elections may help you avoid overdraft fees in the future. To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. Ms. *******, we thank you for sharing your concerns with us. Sincerely, Courtney L. Customer Response Representative Cc: Taylor Keate, Mediation Coordinator, Better Business Bureau Initial Consumer Rebuttal /* (2000, 7, 2015/08/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) not completely satisfied but just tired of having issues with TCF, we will accept it but again I feel they really do charge excessive fees

8/12/2015 Advertising/Sales Issues
8/12/2015 Advertising/Sales Issues
8/10/2015 Advertising/Sales Issues
8/5/2015 Problems with Product/Service
8/4/2015 Billing/Collection Issues
8/4/2015 Problems with Product/Service
8/3/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Charged overdraft fees for purchases claimed to put account negative when website shows otherwise. 7/15/2015. Account: ******1027 I was charged $111.00 in overdraft fees for my account allegedly going negative, and soon to be another ~$150. According to their own website, where I can check m pending transactions, and available balance, my account is not, nor has been negative, at any point during the times they claim; from using my tcf bank card.

Desired Settlement: I want the overdraft fees refunded and removed from my account.

Business Response: Initial Business Response /* (1000, 5, 2015/07/22) */ July 22, 2015 Mr. ****** ************ ************************** Eagan, MN 55122 Re: BBB Case # ******** Dear Mr. ************, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain why the overdraft fees were incurred. The overdraft notice dated July 13, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was negative $18.04. This is why your account was assessed overdraft fees. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. Between July 14, 2015 and July 17, 2015, your account incurred $185 in overdraft fees. TCF reversed $15 of these fees on July 15, 2015. To assist you, we have reversed the remaining $170 in fees. This transaction will appear as a credit on your next statement. Mr. ************, we appreciate you having communicated your concerns with us. Sincerely, Courtney L. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

7/28/2015 Advertising/Sales Issues
7/28/2015 Billing/Collection Issues
7/27/2015 Advertising/Sales Issues
7/16/2015 Advertising/Sales Issues
7/14/2015 Delivery Issues
7/13/2015 Advertising/Sales Issues
7/13/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I used the online bill pay and the payment was not received by the recipient of the payment. I was charged a stop payment fee and want them waived. I paid 2 accounts with online bill pay with TCF Bank. Both payments were to the same company but there was 2 separate accounts that i was paying. I had set the payment to be made on 05/02/15 and on 05/17/15 the payments still did not post to the accounts that they were intended for. I called TCF Bank and was advised that they would have to put stop payments on the checks. I called the company that was waiting for payment and paid over the phone. Later on 05/17/15 I checked my bank account and i was charged me $70.00 worth of fees which caused me to overdraft for another $37.00 when I was told I would not be charged if the payments were not received by the intended party. I called TCF and they said that there was nothing that they can do for me. I asked to put in a dispute for the charges as the service that they offer did not do as they said. I was told I would get a call back with resolution but I did not receive one. I called back on 06/23/15 and was advised that they were not going to waive any fees and that I had to pay them as it was not a banking error. I asked to talk to a manager several times but was told that they do not let customers talk to managers and they would call us. I talked to Diego rep# ***** and he took down my information but informed me that they were not going to waive any fees and there was nothing that they can do as they do not control the mail or if payments are received by the recipient. I told him that I used a service that they offer and it did not go through and now they wont stay behind their services but he said there is nothing that he or anyone in the company can do. I asked him to pull my original call on 06/17/15 as they promised me that I wouldn't get charged but he advised me that they were unable to do that.

Desired Settlement: I just want my account to be refunded the 107.00 that was charged for the 2 $35.00 stop payment fees and the overdraft fee of $37.00.

Business Response: Initial Business Response /* (1000, 5, 2015/07/02) */ July 2, 2015 Mr. **** **** ****************** Cottage Grove MN 55016 BBB Case # ******** Dear Mr. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern regarding bill pay debits initiated from your TCF Checking account. Review of TCF records shows two bill payments made payable to Westconsin Credit Union were initiated through TCF's bill payment process. The payments were sent to the address you provided, which is *************, Ellsworth WI 54011. This address differs from the address previously used for payments to this company. When the checks were not presented for payment from your account by the merchant, you placed stop payments on the items and incurred $70.00 in stop payment fees. The checks were presented to your account for payment on June 24, 2015 and returned due to the stop payment. In addition, you incurred a $37.00 overdraft fee. TCF already reversed these fees. TCF's Online Banking Agreement explains that we do not guarantee that any payee will receive payment by a certain date. While we are unable to ascertain why the checks in question were not presented for payment by Westconsin Credit Union earlier, we apologize for any confusion there may have been regarding these payments and if the service you received when attempting to resolve the matter did not meet your expectations. Mr. ****, we appreciate you bringing your concerns to our attention. Sincerely, Pamela M. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

7/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Ridiculous overdraft fees I've had to pay over $500 in overdraft fees. They refuse to refund anything. They put through large amounts before small so they can charge more fees. Very unfair.

Desired Settlement: I want some of the fees refunded.

Business Response: Initial Business Response /* (1000, 6, 2015/07/08) */ July 8, 2015 Ms. ***** ******** **************** Mounds View MN 55122 BBB Case # ******** Dear Ms. ********, We received the inquiry you submitted to the Better Busies Bureau and appreciate the opportunity to respond to your concern. You expressed concern over the way that TCF processes transactions on your account. We would like to take this opportunity to explain how transactions are processed. First, we process deposits made before the cutoff time before we process withdrawals. Second, we process certain "priority" withdrawals before others. These include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item 6 below). We generally process these transactions in groups in chronological order within each group based on the date and time of the transaction. Third, we generally process ATM withdrawals and debit card transactions in chronological order based on a date and time associated with the transaction that are provided to us by the processor. Fourth, we generally process checks in lowest-to-highest order based on check number. Fifth, we generally process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals. Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts. This information is also provided in the Terms and Conditions for Checking and Savings accounts, which is provided when an account is opened. Our records indicate that between June 3, 2015 and June 30, 2015 you incurred $370.00 in overdraft fees. To assist you with this situation, we have reversed $148.00 of these fees. Ms. ********, I trust this information will assist you in maintaining your account. Sincerely, Pamela M. Customer Response Representative Initial Consumer Rebuttal /* (2000, 8, 2015/07/09) */ (The consumer indicated he/she ACCEPTED the response from the business.)

7/7/2015 Problems with Product/Service
7/6/2015 Problems with Product/Service
7/3/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I was erroneously charged 185.00 in overdraft fees for 5 transactions. I made a charge to my bank card in the amount of $51.10 which I knew I would get 1 overdraft fee in the amount of $37.50 for. At the time, I had $10.37 in my account. But not only was I charged an overdraft fee for the $51.10 transaction, I was also charged $185.00 in overdraft fees for 5 other transactions in the amounts of $10.50, $6.32, $21.08, $7.33, and $3.00, that I charged before I charged the $51.10. Also, for these 5 transactions, I had money in account to cover when I made them.

Desired Settlement: I spoke to a customer service rep at tcf bank who tried to explain to me why I was charged overdraft fees for the 5 transactions and that she would reverse only 1 as a courtesy. I would like a refund for all 5 of the overdraft transactions.

Business Response: Initial Business Response /* (1000, 6, 2015/07/02) */ July 2, 2015 Ms. ***** ***** ************** Chicago, IL 60637 BBB Case # ******** Dear Ms. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern over the way that TCF processes transactions on your account and the amount of overdraft fees that were assessed to your account. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct check deposits (or portions of those deposits) that are not yet available for withdrawal. We also deduct outstanding check card authorizations until those transactions are presented to TCF for payment and processed against your account. It generally takes up to three business days following authorization for a check card transaction to be presented to TCF for payment, although it can take as little as one business day depending on the type of transactions. The overdraft notice you received dated June 22, 2015(copy enclosed) shows that your available balance was overdrawn by $40.73 as of the end of the day on June 18, 2015. Overdraft fees are calculated the following business day and are shown as pending fees in the "Transactions pending" section of the Account Register page in TCF's online banking site. Pending fees are indicated in TCF's mobile banking site by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. Between June 23 and 24, 2015, your account incurred $222 in overdraft fees. To assist you, we have reversed $222 of these fees. This transaction will appear as a credit on your next statement. We have enclosed our brochure What You Need to Know about Bank Service Charges and Overdrafts for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. Ms. *****, thank you for bringing this matter to our attention. We trust this information will assist you in reconciling your account. Sincerely, Holly S. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (2000, 8, 2015/07/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) The charges that I asked to be reversed were in fact, reversed.

6/30/2015 Problems with Product/Service
6/29/2015 Advertising/Sales Issues
6/26/2015 Delivery Issues
6/26/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF tried to take funds for "overdraft" when in the policy you have 24 hours to correct, funds. 5/29: A charge of $148, placed on account for apparent overdraft, due to the fact they tried and pulled a overdraft fee when the account had enough money to cover expenses listed on online banking account. TCF customer service applied fee at the same time other charges came out, the account should of only been -$4.99, in which there policy states you will not get charged a fee being less then $5.00 in the red. They then went and applied a $37.00 charge in front of the other transactions to gain another $148.00 from my account. The customer service provider, made bold claims at my account when it is in plain sight they purposely overdrawn my account. The bank has unfair practices.

Desired Settlement: I will not pay fees on an account when the money was there. They need to reverse the fees, I will no longer bank here. They have deceptive business practices. Its unfair.

Business Response: Initial Business Response /* (1000, 7, 2015/06/15) */ June 15, 2015 Mr. ******* ***** ******************* Chicago, IL 60638 Re: BBB Case # ******** Dear Mr. *****, Thank you for your letter regarding your TCF checking account. We appreciate the opportunity to respond to your concern. You expressed concern regarding overdraft fees that were assessed to your account. We would like to take this opportunity to explain how the overdraft fees were incurred in this situation. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example the overdraft notices dated May 27, 2015, and May 28, 2015 (copies enclosed) shows that your available balance after pending and posted transactions was overdrawn, which is why your account was assessed an overdraft fee. Overdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees will appear in online and mobile banking by 12:30 p.m. Central Time. TCF gives you certain choices, described below, when you overdraw your Account. CHOICE 1: ATM and Everyday Debit Card Transactions You can ask TCF, at its discretion, to authorize and pay overdrafts on your ATM and everyday debit card transactions. Opting-in does not guarantee authorization of every transaction. If TCF authorizes your overdraft transaction, you will pay an overdraft fee. By choosing to not to opt-in, TCF will decline your ATM and debit card transactions that exceed your available Account balance at the time of the transaction. You will not be charged a fee for declined transactions. CHOICE 2: Checks, Electronic Transactions (Not Involving the use of Your Debit Card), and Transfers You can ask TCF, at its discretion, to authorize and pay overdrafts on your checks, electronic transactions, and transfers. Opting-in does not guarantee payment of every item. If TCF pays your overdrafts, you will pay an overdraft fee. If TCF does not pay an overdraft, you will pay a returned item NSF fee. You may also be charged fees by the merchant or person you were trying to pay. By choosing to not opt-in, your checks, electronic transactions, and automatic transfers that exceed your available account balance will not be paid. You will pay a returned item NSF fee. You may also be charged fees by the merchant or person you were trying to pay. Your current overdraft elections authorize TCF to pay overdrafts for both choices. Changing your overdraft choice(s) may help you avoid future overdraft fees, and you may do so at any time by calling us at **************, visiting a TCF branch, using TCF's online banking service, or using TCF's ATMs (for ATM and everyday debit card transactions). To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. TCF records indicate that between May 28, 2015 and May 29, 2015 your account incurred $185 in overdraft fees. Because you are a valued customer, we have reversed those fees. This transaction will appear as a credit on your next statement. Mr. *****, we thank you for banking with TCF and consider it a privilege to serve your banking needs. Sincerely, Erik M. Customer Response Representative CC: ***************, Operations Manager, Better Business Bur

6/26/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When contracts are signed things should be gone over with the parties involed. My account should have been set up as when debits or checks are submitted if the funds are not available they will not be processed. The coworker i had spoken with advised me the debit portion was changed in the sytem not thecheck section.

Desired Settlement: Going to the branch in person to look at my account my account is now considered opt out, so no charges or checks will be paid unless the funds are available.

Business Response: Initial Business Response /* (1000, 10, 2015/06/12) */ June 12, 2015 Ms. ****** ***** *************** Roselle IL 60172 BBB Case # ******** Dear Ms. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern regarding your overdraft elections. Review of your account agreement (copy enclosed) shows that you asked TCF to pay ATM, everyday debit card transactions, checks, ACH transactions, and electronic transfers that exceed your account's available balance at the time of the authorization request. We are sorry for any misunderstanding there may have been when you were making your elections. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. Further review indicates that on September 12, 2014 you asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request. You will not be charged a fee for declined ATM and everyday debit card transactions. We do not, however, have a record of you electing to opt-out of TCF's payment of overdrafts due to checks, ACH transactions, and transfers. When you opt-out of TCF's payment overdrafts on your checks, ACH and electronic transfers, TCF will return the transactions without paying them if they exceed your available balance. Please note that TCF may charge you a fee anytime we return items unpaid. Per your request, we have updated your overdraft elections to decline checks, ACH transactions and electronic transfers that exceed your account's available balance at the time of the authorization request. Please keep in mind that recurring debit card transactions are not covered under either election and may post to your account even if you have insufficient funds in the account, resulting in overdraft fees. Ms. *****, thank you for taking the time to submit your inquiry. Sincerely, Pamela M. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

6/25/2015 Advertising/Sales Issues
6/24/2015 Advertising/Sales Issues
6/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This bank has taken my money AGAIN. I am disputing an overdraft fee that I feel I should not have to pay and should be reimbursed. My checking account had $28.00 in it the morning i I took out $20.00 leaving me a balance of $8.00. Later in the evening I went to an ATM to withdraw $100 knowing that I would have to pay an overdraft fee for that $100. This bank charged me an overdraft fee for the $20 that I took out earlier that morning even though I had a remaining a balance of $8 after I took out the $20. I should not have to pay an overdraft fee for taking out MY money when it will leave me a positive balance.

Desired Settlement: I would like to have the $37 overdraft that this bank stole from me when I took out $20 leaving me a balance of $8.00. I don't mind paying the fee for the $100 I withdrew because I knew I only had a balance of $8.00 after withdrawing $20.

Business Response: Initial Business Response /* (1000, 5, 2015/06/03) */ June 3, 2015 Ms. ********* **** *************************** Chicago, IL 60649-4811 Re: BBB Case # ******** Dear Ms. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding overdraft fees that were assessed to your account. The overdraft notice dated May 28, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was negative $91.37. This is why your account was assessed an overdraft fee. Overdraft fees are calculated the morning after your account is overdrawn and display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees appear in online and mobile banking by 12:30 p.m. Central Time. Between May 29, 2015 and June 1, 2015, your account incurred $74 in overdraft fees. To assist you, we have reversed $37 of these fees. This transaction will appear as a credit on your next statement. Ms. ****, thank you for bringing this matter to our attention. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bure Initial Consumer Rebuttal /* (3000, 7, 2015/06/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will accept the reimbursement but this reply is not true. My balance as of May 8, 2015 was $8.63. Unfortunately I am unable to print this out and forward due this online banking statements. Final Consumer Response /* (3000, 10, 2015/06/05) */ ***Document Attached*** I am able to submit a statement that shows my account was $8.63 postive balance as of 05/28/2015.

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I recently authorized a single payment to my account which had a positive balance, and it overdrafted, but i was charged with 4 more my card had a balance of a single penny with all other payments posted. My account sheet is shared by both parties. they can show you or i can 05/22/2015 ACH Deposit Payroll PAY Posted $340.70 $105.73 05/20/2015 Service Charge - Fee View Image Overdraft Fee Posted $-74.00 $-234.97 View Image 05/19/2015 Card Transaction TMO*WALMART MOBILE Posted $-49.98 $-160.97 05/19/2015 Card Transaction SARPINOS PIZZERIA Posted $-18.18 $-110.99 05/19/2015 Service Charge - Fee View Image Overdraft Fee Posted $-111.00 $-92.81 View Image 05/18/2015 Card Transaction FAMILY DOLLAR #474 Posted $-4.00 $18.19 05/18/2015 Card Transaction SUPERAMERICA 8510 Posted $-20.59 $22.19 05/18/2015 Card Transaction PETSMART INC 460 Posted $-67.81 $42.78 05/18/2015 Transfer Withdrawal WEB TFR TO ******5859 Posted $-10.00 $110.59 This clearly shows that the prior three payments posted to a positive balance just as the sarpion's paymnet would have had not 111$ initially being removed from my account with no cause or justification. three payments posted and i had a positive balance of 18.19. there were not three payments that overdrafted but yet i am taken for three for no reason. If this 111 erroneous fee is removed then the sarpinos payment would clear and i would have one cent the 49.98 payment would have put my account negative and justifying a single overdraft fee. I was charged Five overdraft fees and i demand to be refunded for 4 which totals 148.00 (4 X 37. I spoke to a bank representative at the central ave store who attempted to explain the error but shown clearly to me is that they used the knowledge that all said and done the account would overdraft, and prior to using my money to pay for any of my payments they charge me with a overdraft fee for three payments?? totalling 111.00 when the total of all my payments save for the last are 110.58. the total the account went negative was 234.97. which was the 49.98 payment + the 185$ overdraft fee + .01$ = 234.98

Desired Settlement: This happens often enough that i know others this has happened too. I know i attempted to authorize my phone payment with a single penny in it which is why im only asking for 4 of the 5 overdraft fees be replaced. But this has to stop. 148 may not seem like alot to some by that is a little less than the paycheck that went throguh next. I want a refund of 4 overdraft fees to my account Free Student Checking XXXXXX7311 this is where i would like it to be returned. Furthermore this is not the first time this has happened and i urge TCF to stop these errors.

Business Response: Initial Business Response /* (1000, 5, 2015/06/02) */ June 2, 2015 Ms. ***** ********* ************** Columbia Heights MN 55421 BBB Case # ******** Dear Ms. *********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern about overdraft fees assessed to your account. We would like to take this opportunity to explain why overdrafts fees were assessed in this instance. The overdraft notice dated May 18, 2015 (copy enclosed) shows that your available balance after pending and posted transactions was overdrawn -$49.97. This is why your account was assessed overdraft fees. Overdraft fees are calculated the morning after your account is overdrawn and will now display as pending fees in the "Transactions pending" section of the Account Register page in online banking. In mobile banking pending fees are indicated by an asterisk (*). Pending fees will appear in online and mobile banking by 12:30 p.m. Central Time. TCF records indicate that between May 19, 2015 and May 20, 2015 you incurred $185.00 in overdraft fees. Because you are a valued customer, we have reversed $148.00 of these fees. Ms. *********, thank you for your long standing banking relationship and for bringing your concern to our attention. Sincerely, ********** Customer Response Representative Cc:*****************, Operations Manager, Better Business Bureau

6/9/2015 Problems with Product/Service
6/9/2015 Problems with Product/Service
6/8/2015 Advertising/Sales Issues
6/8/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: Account was overdrawn by $.83. Called the customer service to get some reprieve but was denied. On May 18th 2015, my wife deposited $100 cash to cover the transactions pending for that day from over the weekend. There was a large debit from ******* that caused the account to overdraw but we made sure that was covered. At the end of the day, the account still went negative $.83 (83 cents). Yes, 83 cents! And we were charged an NSF fee of $37 the following day. Do you think that is an exorbitant amount to be charge for being overdrawn less than a dollar? We were also charged a $3.00 ATM fee for taking our own money out from another bank because the TCF ATM machine was out of order! Had it not been for that ATM charge as well, we would have been fine. I called the TCF Customer Service Center to see if there was any way they could give us reprieve from this fee and I was turned down without considering the situation.

Desired Settlement: Just looking to get the $37 NSF refunded considering the circumstances.

Business Response: Initial Business Response /* (1000, 5, 2015/05/26) */ May 21, 2015 **** ****** ******************* Shakopee MN 55379-2726 RE: BBB case #******** Dear Mr. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern that your account recently incurred an overdraft fee when there were sufficient funds in the account to cover all but $.83 of the amount of a day's transactions. We would like to explain why an overdraft fee was assessed in this instance. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. TCF recently made changes to provide consistent balance terminology and to make available balance the primary balance displayed or stated on teller receipts, in the automated phone system, and in online and mobile banking. The available balance generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past 3 days. While there may be sufficient funds in your account at the time we authorize a check card purchase, later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment ("settlement"). The overdraft notice dated May 18, 2015, shows your available balance after pending and posted transactions was overdrawn $31.47. This is why your account was assessed an overdraft fee. We have enclosed your Special Handling Notice for your review of this process. As a courtesy, we have reversed the $37.00 fee and the $3.00 Non-TCF ATM fee mentioned in your letter. These transactions will appear as a credit on your next statement. To further assist you, we have enclosed the TCF brochure, What You Need to Know About Service Charges and Overdrafts. This is a great tool for our customers to understand how charges are assessed and how to reduce or avoid them. Mr. ******, we thank you for banking with us and trust we have clarified the activity on your account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

6/5/2015 Advertising/Sales Issues
6/1/2015 Problems with Product/Service
5/26/2015 Problems with Product/Service
5/19/2015 Problems with Product/Service
5/18/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Requested account overdraft protection - understanding that any amount exceeding the account balance will not be withdrawn from the account. Despite former agreement between myself and TCF and based on unauthorized transaction TCF bank covered transaction request and charged me $37 fee for overdrawn account. Initially when visited bank facility, requested waiving the charges. The charges were waived by the branch manager, but then reapplied by the computer system.

Desired Settlement: I want my account protected for any transactions which would result negative balance and DO NOT WANT TCF bank to cover any transactions or money requests for such transactions. I do not want TCF charge me for any unauthorized attempts to withdraw or transfer the money from my account unless authorized by the signature. I expect TCF to make a full refund of $37 back to my account.

Business Response: Initial Business Response /* (1000, 10, 2015/05/05) */ May 5, 2015 Mr. ****** ********** *********************** Chicago IL 60660 BBB Case # ******** Dear Mr. **********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern regarding overdraft fees assessed on your account. TCF records indicate that you have asked TCF to decline ATM, everyday debit card transactions, checks, ACH, and electronic transfers that exceed your available balance at the time of the authorization request. If you opt-out of TCF paying overdrafts on your checks, ACH and electronic transfers, TCF will return the transactions without paying them if they exceed your available balance. TCF may charge you a fee anytime we return items unpaid. For example, in the notice dated April 14, 2015 (copy enclosed) the HEXTRONIK LIMITE ACH transactions in the amounts of $558.64 and $319.00 were presented for payment when there were insufficient available funds in the account. Because you are opted out for ACH transactions, TCF returned the items and assessed $74.00 returned item NSF fees. We are sorry for any misunderstanding there may have been regarding this practice. TCF records indicate that between April 15, 2015 and April 22, 2015 you incurred $111.00 in returned item NSF fees. TCF already reversed $74.00 of these fees. Because you are a valued customer, we have reversed the remaining $37.00 fee. Mr. **********, thank you for taking the time to submit your inquiry. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

5/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The TCF Branch on Washington at the UMN treated me poorly, and was unhelpful and rude and continued to charge me even after they said they wouldn't On March 12, 2015 I went to TCF bank on Washington Ave the branch inside Coffman Memorial Union at the University of Minnesota. I immediately wanted to deposit my two checks that totaled 350 dollars. However, the teller told me that my account had been negative (I received no notification about this except a letter in the mail to my home back in Winona, MN after I was already charged). However, they then told me that even if I deposited the checks there they still would take two days to process and I would be charged an addition dollar fee 111.00 after being charged 2 $111.00 fees after just 2 days of not knowing I was over drafting. This didnt make sense because my negative was less than the amount of money I had in my hand in checks but if I deposited my checks my account would still be negative in a few days. Of my overdraft fees, the first fee was on March 10, 2015 and the second was March 11, 2015. The day I over-drafted was March 10, 2015. They know that the majority of the people they serve are students and they are not courteous or willing to help these students and are just in it to take as much money as possible. I left after feeling like there was nothing I could do and after I was given no options but to try to deposit your check somewhere else and the teller also didn't tell me that I would keep being charged daily unless I did something about it (I learned later). I came back to demand there was a better answer than simply telling me I couldn't deposit this money because it would'nt be used until 2 days later after I was already charged 111.00 dollars each day. Finally, the manager after about 30 minutes of trying to ask if there was anyway to help me she finally gave me an option to find someone who had an account at TCF bank that could get there in less than an hour that could cash my checks for me so I could then take the money and deposit it in my account so there would be no more overdraft fees. Despite, the limited amount of people that could fit that category in the middle of the day, my friend came and cashed my checks and I put it into my account. However, the next day I was charged an additional $37.00 after being told I wouldn't be. I have had problems with this branch in the past as they didn't allow me to deposit a check from my dad that the University of Minnesota made out to him for tuition. Apparently the check was too large to deposit with out my dad present which he couldn't be there since he lives 2.5 hours away from the Twin cities. I had to file a affidavit even though the check was written by the University of Minnesota and the check was written out to my dad. This bank doesn't work with students and continues to be unhelpful and takes advantage of students uneducated in banking.

Desired Settlement: I am seeking the amount of overdraft fees by TCF bank due to the poor customer service I recieved and the further action I will take if not given the amount that they took from me for overdrafting. At most other banks if there isnt a history of overdrafting they will refund the entire deposit in interest to help with customer service and ultimately keep the customer.

Business Response: Initial Business Response /* (1000, 5, 2015/04/29) */ April 28, 2015 ********* ******** ********************** Minneapolis, MN 55414 Re: BBB Case #******** Dear Ms. ********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. We apologize if the service you received at our UM Coffman Memorial Union Branch did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounters you describe and will be addressing it appropriately. You express concern regarding overdraft fees incurred on your account and we would like to explain why they were assessed in these instances. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. Also, please note that while there may be sufficient funds in your account at the time we authorize a check card purchase; later transactions may cause the purchase to overdraw your account once it arrives at TCF for payment. For example, on March 9 2015 your available balance at the beginning of nightly processing was $291.88. Pending, authorized, check card transactions in the amounts of $8.76 to the Purple Onion Café, $8.73 to Brueggers, $7.01 to Chipotle Mexican Grill and $293.75 to GB-Lambda reduced the available balance to -$26.37. This available balance was then insufficient for the three transactions posting that night resulting in $111.00 in overdraft fees, which posts the next business day. We have enclosed your Special Handling Notices for your review of this process. TCF records indicate that between March 9, 2015 and March 11, 2015 transactions were presented for payment when there were insufficient available funds, resulting in $259.00 in overdraft fees. TCF reversed $74.00 of these fees. Because we value you as a customer, we have reversed the remaining $185.00 in fees. This will appear as a credit on your next statement. To further assist you, we have enclosed the TCF brochure, What You Need to Know About Bank Service Charges and Overdrafts. This is a great tool for our customers to understand how charges are assessed and how to reduce or avoid them. You also express a desire to have notifications come to you at your mailing address while you are in school. You may retain your Winona MN address as your TCF Checking account's main address while having your bank documents mailed to a temporary mailing address. To accomplish this, please fill in the enclosed form and have you signature on the form notarized. We have included a postage paid return envelope. Or, if possible, you may take the completed form to a TCF branch. To expedite this process, if you have activated your account card with a personal identification number (PIN), you may contact TCF Customer Service at 1-800- TCF-BANK (**************) and change your mailing address over the phone or you may log onto TCF online banking and make the mailing address change there. Ms. ********, we thank you for taking the time to write and trust we have clarified the activity on your account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/05/01) */ The company's response didn't resolve my issue. They still treated me poorly and I would like to receive the full amount they took from me along with a formal apology from the company. Final Business Response /* (4000, 9, 2015/05/06) */ We explained in our initial response to the customer that all fees assessed during the timeframe outlined by the customer have been reversed. We also already apologized if the service she received was less than satisfactory.

5/5/2015 Billing/Collection Issues
5/5/2015 Billing/Collection Issues
5/4/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been trying to close my account with TCF Bank for about 2 months now. Recently they told me that my account would have to say 0 balance in order to close the account. I was in a negative, and have been in a negative every since I opened the account. I made sure there was money in the account so I can close it. my check was deposited into the account so I had $181 to spend. I didn't want to close my account while I had $181 in there, so I decided to spend the remaining in the account so I can leave the account with an 0 balance. I noticed after I spent the money, all these $37 fees were showing up on the account. then there was a $74 fee in there. I called to asked with was my account -105 dollars, they told me I withdraw of 15.65 was taken out my account, I asked them how can anybody withdraw anything if my account was already in a negative. If my account is not showing any money, then how can you withdraw something that is not there. they told my it's just like that, so I asked if I can get the $74 waived and I would just pay the rest. One lady told me no and hung up, I called again and a guy picked up, he told me that they can only refund $25 back into the account. I said it's absurd that you said that because the lady told me they couldn't waive anything. All I wanted was for them to just waive the fee. Now I am a very pissed off customer, who no longer want anything to do with TCF Bank. I just want my account closed.... Account_Number: **********

Desired Settlement: DesiredSettlementID: Refund I just want the $74 fee waived and to close my account.

Business Response: Initial Business Response /* (1000, 5, 2015/04/21) */ April 21, 2015 ****** ******* *********************** St. Cloud MN 56303 Re: BBB Case #******** Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding Check card transactions being made when there is an insufficient balance. TCF records show that on January 5, 2015 while logged into TCF online banking, you changed your overdraft election for check card transactions to have TCF authorize ATM and everyday debit card transactions when the account balance is insufficient at the time of the transaction. We regret any misunderstanding there may have been when you made your election. Review of the account also shows that on April 10, 2015 transactions were presented for payment when there were insufficient available funds resulting in $74.00 in overdraft fees. TCF reversed $25.00 of these fees. To assist you, we have reversed the remaining $49.00 in fees and per your request, closed the account. We have enclosed an Official Bank Check in the amount of $56.61 which represents the final balance. Ms. *******, we appreciate you communicating your concern with us and trust this resolves your request. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

4/29/2015 Advertising/Sales Issues
4/27/2015 Delivery Issues
4/21/2015 Problems with Product/Service
4/20/2015 Billing/Collection Issues
4/20/2015 Billing/Collection Issues
4/17/2015 Guarantee/Warranty Issues | Read Complaint Details
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Additional Notes

Complaint: I have a bank account that has issues about Chacks that have been retured for NSF on 3/2/15 My bank account *********** was comparmized though my Debit card.. I notified the Bank right away. I had 2 Chacks 6004 for $9.50 which was ran though 2x and Paid with had 2 $37.00 fee.. chack 2005 $190.oo ran though 2x and was RETURNED TO MERCHANT with two fees of $37 and the Merchant charged me an additionl $25 ret Fee . This was My CAR PAYMENT i also had a Yearly domain renual at Godady whach was ran though 2x with 2 $37 fee and a $25 Merchant Fee as well. It was PAID This all happened before the Provisional Credit Hit my account I feel that this accoutn should of been Marked for the Checks I repoted that were outstandin should of been paid in Good faith pending the result of the Fraud Case But TCF FAILED TO DO SO.. AND IN MY EYES IS A POOR BANK TO DEAL WITH AND IS NOT In IT FOR CUSTOMER SERVICE, I have worked in Custoemr Service for 25 Years and this bank only Scores 1 out of 10 ( 10 being the Best) NEED TO BE DETAILD ON EACH CUSTOMER ACCOUNT ESPICALLY WHEN A FRAUD OCCOURS .. SUPER SUPER SUPER DETAIL ...

Desired Settlement: Here is What I want TCF Bank to PAY THE $190 to the Merchant Advantage Auto Sales In Chamapaign IL along with the $25 fee .. out of all the Fees they charged to my account. This paymant needs to paid in a Cashier Check. Copies Sent to Me along with an apology Letter that Clears the issue with the Merchant. Cover the Godaddy return Fee $25 Return My account balance to the $2.43

Business Response: Initial Business Response /* (1000, 7, 2015/04/03) */ April 3, 2015 Mr. ******* ******* ********************** Gibson City, IL 60936 BBB Case # ******** Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding the resolution of your unauthorized transaction claim. TCF records indicate that you filed three claims for unauthorized transactions on your account. Two claims were filed on March 3, 2015 and one on March 26, 2015. On March 11, 2015, TCF provided a provisional credit in the amount of $1,310.27 while the first two claims are being investigated and reversed $629.00 in related overdraft fees and $27.00 in ATM fees. You will be notified by mail at the conclusion of TCF's investigation. You also expressed concern regarding the process TCF follows for handling unauthorized transaction claims. Under federal law, a financial institution is required to provide a "provisional credit" while a claim is being investigated within 10 business days of a claim being initiated. If TCF determines that the transactions are unauthorized or erroneous, the provisional credit becomes permanent. In response to your request for compensation for your car payment and merchant fees incurred. TCF records indicate that a payment in the amount of $190.00 was processed from your account on March 17, 2015. Once our investigation is complete we recommend working with the merchant on any charges that were not reversed as a result of your claim. Mr. *******, I trust the information I have provided will assist you going forward. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

4/16/2015 Billing/Collection Issues
4/13/2015 Advertising/Sales Issues
4/10/2015 Advertising/Sales Issues
4/8/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been charged hundreds of dollars in overdraft fees. On 3-18-15 my account Ending in **** balance was positive $35.79. On 3-19I transferred an extra $25 from my other account to make sure I maintained enough, my balance was then $60.79. Later that same day, TCF charged me $74 in overdraft fees even though I have not been over drawn on that statement previously. This put my account at a $-13.21 without me knowing. I continued to use my card thinking I had the proper funds. Then on 3-20-15 TCF charged me another over draft fee of $148. This, and my couple of purchases put me at $-187.95. I continued to use my card, believing I had money in my account unknowingly digging myself deeper. Looking at the numbers, I would not have become negative without their fees. this happened once before and they refused to acknowledge that. It's very simple to understand, especially even looking at a statement. The last time this happened I tried calling on the phone to the 1800 help number for TCF, after taking with them I mentioned switching banks after this whole mess. The lady for TCF told me that if I closed my account they would add all the hundreds of dollars of fees back into my account and file a claim with a credit recovery service. These processes and scare tactics are unacceptable. I want the total service fees credited back to my account. As of right now, 3-21-15 at 9:30 am that amount is $222.00. If anymore are added after this time, I want them removed as well.

Desired Settlement: I want the total service fees credited back to my account. As of right now, 3-21-15 at 9:30 am that amount is $222.00. If anymore are added after this time, I want them removed as well.

Business Response: Initial Business Response /* (1000, 9, 2015/03/30) */ March 30, 2015 Mr. ****** ******* **** ******** ** ******* ** XXXXX BBB Case # XXXXXXXX Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern regarding overdraft fees that were assessed on your account. We would like to take this opportunity to explain why overdraft fees were incurred in this instance. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example, in the notice dated March 18, 2015 (copy enclosed), the beginning available balance was $46.27. From this balance we subtracted the transactions that were pending; in this case the six transactions totaling $43.57. The available balance was then $2.70. Then we subtracted the transactions that were posting; in this case the two transactions totaling $10.48. The available balance after pending and posted transactions was therefore negative -$7.78, which is why your account was assessed overdraft fees. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. TCF records indicate that between March 19, 2015 and March 24, 2015 you incurred $370.00 in overdraft fees. Because you are a valued customer, we have reversed these overdraft fees. Mr. *******, thank you for your long standing banking relationship with TCF. Sincerely, ****** ** Customer Response Representative Cc: ******* *******, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 11, 2015/03/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will accept the response overall, but I still do not agree with their explanation and business tactics. There are numerous accounts of this happening to other individuals and I spoke to representatives from other banking establishments that agree with me and staTed that tcf is notorious for this. I do accept their refund as a suitable response. I will be changing banks

3/27/2015 Guarantee/Warranty Issues
3/24/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: 2 overdraft fees of $74.00 each. They will not work with me to correct it. 3/4/15

Desired Settlement: Correct my issue.

Business Response: Initial Business Response /* (1000, 5, 2015/03/13) */ March 13, 2015 Ms. ******* ******** ********************** Milwaukee, WI 53219 BBB Case # ******** Dear Ms. ********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding overdraft fees that were assessed on your account. We would like to take this opportunity to explain why overdraft fees were incurred in this instance. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example, in the notice dated March 2, 2015 (copy enclosed), the beginning available balance was $51.22. From this balance we subtracted the transactions that were pending; in this case, the two transactions totaling $50.05. The available balance was then $1.17. Then we subtracted the transactions that were posting; in this case, the two transactions totaling $23.63. The available balance after pending and posted transactions was therefore negative -$22.46, which is why your account was assessed overdraft fees. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. TCF records indicate that between March 2, 2015 and March 3, 2015 you incurred $148.00 in overdraft fees. On March 6, 2015, TCF reversed $15.00 of these fees. To further assist you and as a courtesy, we have reversed the remaining $133.00 in fees. You will see this credit on your next statement. Please note that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future overdraft fees, and you may do so at any time by visiting your local branch or by calling 1-800-TCF-BANK. We have enclosed our What You Need to Know about Bank Service Charges and Overdrafts notice. This notice explains how overdraft fees are assessed, how you may avoid them, and how your transactions affect your available balance. Ms. ********, we thank you for taking the time to contact the Better Business Bureau and trust this information will assist you in maintaining your account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

3/23/2015 Billing/Collection Issues
3/20/2015 Billing/Collection Issues
3/19/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TCF bank failed to refund money per RegE and NSF fees while their online banking was down. I had no access to my account while I was vacationing ... This complaint has been hanging on my head for over a year now. The problems started in December of 2013, while I was vacationing in Thailand. My suitcase was broken into and things stolen including my bank cards. My bank accounts were charged fees I had no idea of AND TCF bank did NOTHING about it. So, I lost about $1,000. Then in August of 2014, we took a road trip to Florida and while we were on the road, they SHUT DOWN their online banking. So, I had no way of transferring money from the other accounts to make sure that I had enough funds in my traveling account. As a result, I was charged some NSF fees. I never got the chance to dispute that. Then a few months ago, something similar happened, then I was charged some NSF fees as well. But what's finally got to me is the fact that about 3 weeks ago, my debit card was terminated for no reasons. I went to the branch at the Cub Foods on Phalen Blvd. AND for some stupid reason, the bank teller said, I am going to turn it back on for you WHILE I insisted on replacing it because of ... that unknown reason. After she TURNED it back on with my resistance, my account started to see charges coming from China ... yes, China!!! I saw charges that crunchyroll.com was charging after I terminated their service 2 years ago. Some Chinese hacker got to my account AND TCF bank was letting them do it. So I filed a RegE complaint AND so far, I have NOT received any thing yet other than we have credit $1X.XX ... NO!!!!! Those Chinese hackers charged my account close to $200.00 ... I want those money back!!!! And I want them back NOW!!! I am not waiting as I need my account to pay my rent and bills. Not only that but where's my new bank card????? It's going to be 3 weeks NOW and where are my stuff? I am a business and a home customer BUT I need my bank stuff NOW!!! TCF bank I have been banking with you for a long time and I need for you to get your acts together please. Do NOT take my money and run. Do NOT let those Chinese steal my money and run. That's why I bank with you. Otherwise, I would go to Wells Fargo which would have solved this problem RIGHT away I bet. Or anyone else. Please hurry up!!! Refund me, credit my account please! Thanks yo'all for listening.

Desired Settlement: I need at least 3 or 5 NSF fees to be credited back into my account AND I need my regE to be credit because those Chinese hackers are stealing my money. I am not in China. I have no way of charging anything in China!!! TCF bank do the right thing. Please put your acts together and replace my bank card ... by now already!!!

Business Response: Initial Business Response /* (1000, 6, 2015/03/05) */ March 5, 2015 Mr. ***** ******* ************** Saint Paul, MN 55106-1013 Re: BBB Case # ******** Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding the resolution of your unauthorized transaction claim. TCF records indicate that you filed a claim for five unauthorized transactions and one international service fee on January 27, 2015. TCF provided a provisional credit in the amount of $15.60 while the claim was being investigated. On February 10, 2015, TCF completed the investigation and the credit is now permanent. It was determined during the investigation that two of the disputed transactions ($90 from Payment Wall and $48 from Avangate*my-proxy.com) did not post to your account and one of the merchants provided a partial credit to your account on January 12, 2015. There were no overdraft fees associated with the unauthorized activity. On January 12, 2015 your account incurred a $.38 international service fee associated with one of the disputed transaction. Due to its association with your unauthorized transaction claim, we have reversed this fee. This transaction will appear as a credit on your next statement. You also expressed concern regarding your TCF Business Check Card. A review of our records indicates that your card ending in **** was deactivated following the filing of your unauthorized transaction claim to prevent further unauthorized activity. We apologize for any inconvenience you may have experienced regarding this practice. Per your request, a new TCF Business Check Card was ordered on March 4, 2015 for account ********** and will be mailed to the address shown above. We have requested a rush delivery at no charge. Please allow up to 1-2 business days to receive the card. Mr. *******, thank you for bringing these concerns to our attention. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 8, 2015/03/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not checked to see if those transactions were not posted but they posted and I spoke to TCF but nothing was done about tem. That's why I had to file this complaint. They are not addressing the nsf fees accrued because they failed to repair their computer so while my family was on the road, we couldn't move money from our other accounts to cover the ones we're using to pay for the trip. Lastly they refused to do anything about those transactions oversea when I was in Thailand. Trust me, TCF is very shady. I just can't trust them. There was a manager that refused to count my money back to me possibly stealing thousands of dollars miscounted by me for over 15 years. Final Business Response /* (4000, 10, 2015/03/19) */ March 19, 2015 Mr. ***** ******* ***************** Saint Paul, MN 55106-1013 Re: BBB Case # ******** Dear Mr. *******, We received the additional inquiry you submitted to the Better Business Bureau and appreciate the opportunity to further investigate your concerns. We regret that you are dissatisfied with our initial response. You continue to express concern regarding an unauthorized transaction claim that was filed for your TCF business checking account **********. In our initial response, we indicated that two of the disputed transactions had not posted to your account. When a customer makes a purchase using their TCF VISA check card, a hold for the transaction amount is placed on the account so that the funds in question cannot be used for other purchases. When a merchant submits a transaction for final processing, your account is debited. In this case, the transactions from Payment Wall and Avangate*my-proxy.com for the $90 and $48 respectively were not submitted for final processing and did not post, even though they previously appeared as pending transactions. We have enclosed your January and February 2015 statements, which represent the time period from January 27, 2015 when you had filed the claim through February 10, 2015 after TCF completed the investigation. You also express concern regarding an unauthorized transaction claim that was filed for your TCF checking account **********. TCF records indicate that you filed a claim for unauthorized transactions on January 7, 2014. TCF completed an investigation and denied your claim because the transactions appeared consistent with the pattern of use associated with traveling in Asia. Based on the additional information you provided, your claim has been re-opened and is currently in the process of being re-evaluated. You will be notified by mail at the conclusion of this additional investigation. Mr. ********, we trust this additional information clarifies the statuses of your unauthorized claims. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

3/18/2015 Advertising/Sales Issues
3/17/2015 Advertising/Sales Issues
3/16/2015 Billing/Collection Issues
3/16/2015 Advertising/Sales Issues
3/16/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF Bank, they put check #1555 through twice one for $156 one for $150 I wrote the check for $150. They charged NSF fees, have not fixed for a week. I have had numberous issues with TCF bank putting through payments that I made months prior such as for restaurants put through a month or two later drawing account negative thinking these had already been paid amongst many other problems. I also had worked at the TCF bank in Ridgedale Minnetonka and they ran out of $20 dollar bills almost daily and it was the most unorganized job I have ever worked at and quit with in a month. Now, I wrote a $150 check and TCF bank put it through for $156 and $150 (twice) drawing my accound negative with many NSF fee's more to come out I am sure. They said it would be reversed by Monday. It is now Wednesday. I have had to wait nearly a week to use my bank account and when I called in this morning they told me to go to the bank that cashed my check and said it was them who made the mistake not TCF. I have no idea how to get the $156 back and the two NSF fee's charged and no idea how many more will come through because of thier mistake. No one at TCF will help me and all I did was make a bill payment and it was run through twice charging me many $37 NSF fees. It should not take this long for them to fix this mistake. A bank should not allow the same check number to be run through an account twice.

Desired Settlement: As of now I need the $156 check # 1555 put back into my account and the two $37 NSF fee's that I show. I may receive another NSF fee I am not sure as of yet. I think there is another coming through so the $156 plus 3 NSF fees would be $267 to be refunded to my bank account. I just want to get the money back so I can close out my account with TCF bank and never return to them.

Business Response: Initial Business Response /* (1000, 7, 2015/03/03) */ March 3, 2015 Ms. ****** ******* *************** St. Paul, MN 55104-2524 Re: BBB Case # ******** Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding a check transaction that was processed out of your account twice. We regret any dissatisfaction you may have experienced when you reported this situation to TCF. Review of TCF records indicate that check #3130 for $150 was processed from your account on February 12, 2015. On February 13, 2015, check #1555 was processed again for the amount of $156 in error. To correct this duplicate transaction, a credit for $156 was processed to your account on February 20, 2015. Between February 16, 2015 and February 18, 2015, your account incurred $74 in overdraft fees. TCF reversed these fees on February 18, 2015. Ms. *******, we appreciate you bringing this matter to our attention. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

3/10/2015 Delivery Issues
3/6/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: On 2/13/2015, TCF bank decided to subtract a service fee from my account. I had made two purchases on my bank card 1 to 2 days prior to this fee and had a positive balance. However, TCF chose to subtract their fee prior to placing the previous 2 payments through and causing overdraft fees to occur in the amount of $74.00. Although there was not enough money in the account to cover their fees completely if this had been done, this action does not accrue an overdraft fee. Personally, I believe this was done so that TCF could collect more money from me, the consumer. Product_Or_Service: Checking Account Account_Number: **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) Because the other charges to my account were made prior to this fee, I believe TCF should correct my bank account activity and reimburse the $74 allocated for bouncing fees. I have been a consumer of this bank's service for almost 20 years and it has changed drastically for the worse. In fact, contacting customer service does little to resolve most issues. I would appreciate it if this matter could be resolved satisfactorily and swiftly.

Business Response: Initial Business Response /* (1000, 6, 2015/02/20) */ February 20, 2015 Ms. ******** ****** ******************** Lower Racine, WI 53403 BBB Case# 57299793 Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern over the way that TCF processes transactions on your account and overdraft fees that were assessed as a result. Our records indicate we have previously explained TCF's processing practices, however to assist you we have provided some additional information: First, we process deposits made before the cutoff time before we process withdrawals. Second, we process certain "priority" withdrawals before others. These include, for example, teller withdrawals, returned deposits, check printing fees, automated TCF loan payments, wire transfers, account transfers, electronic (ACH) bill payments using the TCF bill pay service, checks you write that are deposited into a TCF account or cashed in a TCF branch, and account fees (except those included in item 6 below). We generally process these transactions in groups in chronological order within each group based on the date and time of the transaction. Third, we generally process ATM withdrawals and debit card transactions in chronological order based on a date and time associated with the transaction that are provided to us by the processor. Fourth, we generally process checks in lowest-to-highest order based on check number. Fifth, we generally process automated (ACH) withdrawals scheduled for payment on a Business Day in chronological order based on when we receive the electronic file for the withdrawals. Sixth, we process other account fees, such as monthly maintenance fees, ATM withdrawal fees, paper statement fees and overdraft fees on daily overdraft fee accounts. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated February 12, 2015 (copy enclosed), the beginning available balance was $15.64. We subtracted the transactions that were pending; in this case, there were none. Then we subtracted the transactions that were posting; in this case, the two transactions totaling $27.51. The available balance after pending and posted transactions was therefore negative -$11.87, which is why your account was assessed an overdraft fee. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. Please note; your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling 1-800-TCF-BANK. TCF records indicate that on February 12, 2015 you incurred $74.00 in overdraft fees. Our records show that TCF has previously assisted you with courtesy fee reversals. To further assist you, and as a courtesy, we have reversed $37.00 of these fees. You will see this as a credit on your next statement. It is TCF's goal to ensure that our customers have the tools necessary for achieving financial success. Because we believe that financial education is likely to increase savings, use of banking services, and improve upon a customer's overall financial health, TCF offers a free, online financial education program that covers a variety of important topics. TCF employees participate in this same online program, which teaches financial concepts through a multimedia learning experience using video, animations, 3-D gaming, and exercises. You can register at TCFlearning.com and complete the course at your own pace. Our hope is that this program will assist customers in increasing their financial awareness. Ms. ******, we hope this information will assist you in maintaining your account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

3/4/2015 Delivery Issues
3/2/2015 Problems with Product/Service
2/25/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: ****** was rude to me; she deposited a check that I told her not to deposit then SMIRKED at me in laughter; as if too say that she was not concerned with the fact that I told her that I was coming in person to close my account. She placed a hold on the check, which had never been done before, and I had to wait to close the account. REG CC states that a customer is supposes to be informed of a hold, when a deposit is done in person. I asked could the account be closed via mail, and I was told I would have to get a notarized statement, and not referenced to the over the phone telephone customer service, which could close the account with $5.00 balance via mail. The check could have been returned, because BANKS do have a reversal deposit method, when the Federal Reserve has not picked up the deposit yet. The SMIRK, and non-accountability action of ****** made me close the account. I will not be lied to or disrespected by someone handling my money.********************, Belleville, MI 48111

Desired Settlement: DesiredSettlementID: Other (requires explanation) ****** needs customer service training, an training regarding nonverbal communication, and facial expression, because I did not find anything funny about wasting my time, when I am handicap

Business Response: Initial Business Response /* (1000, 6, 2015/02/03) */ February 3, 2015 Ms. ******* ****** ******************************* Belleville, MI 48111 Re: BBB Case # ******** Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. We apologize if the service you received at our Belleville branch location did not meet your expectations. It is our goal to provide service that is respectful, knowledgeable, helpful, and courteous. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you describe in your letter at our Belleville branch and will be addressing it appropriately. You also express concern regarding a hold that was placed on your deposit. TCF records indicate that on January 23, 2015 a check in the amount of $200 payable to Sharron ****** ******* was deposited into your account. A hold was placed on the account and a Notice of Hold was mailed to you requesting documentation supporting your legal right to the funds. This documentation was received on January 27, 2015, and the hold was removed. Ms. ******, thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, ************ Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 8, 2015/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) due to this error; i have incurred late fees from my credit card company, and this does affect your credit when they decide to do increases; this is not acceptable. The problem is the illegal hold that they placed on the account after the funds cleared from the 1st hold; you can not place a hold on funds a 2nd time, unless their is a garnishment, court ordered or IRS lien or fraud; this is illegal to hold money again that already was held, and it cleared the federal reserve. The check did not come back denied, or NSF; this is against the law, and this is why I reported this to the Attorney General Office; I have a banking background, and it illegal to place 2 holds on money; it cleared with no problem, and then another hold is assessed, and now this account is messed up, and now my credit cards are affected, and I called customer services and spoke to *** before I even wrote any checks, and she indicated that the funds were cleared. NO FRAUD was present, NO GARNISHMENTS, and this was a bank issued money order did not come back NSF; this is illegal, and it will be investigated, and I am not paying any credit card fees, because of this unlawful practice. Final Business Response /* (4000, 14, 2015/02/20) */ February 20, 2015 Ms. ******* ****** ******************************* Belleville, MI 48111 Re: BBB Case # ******** Dear Ms. ******, We received the additional inquiry you submitted with the Better Business Bureau and appreciate the opportunity to further investigate your concerns. We regret that you continue to be dissatisfied with our responses. TCF records indicate that on January 26, 2014 you cashed a check at our Belleville branch location for the amount of $352.77. Due to the existing $200 endorsement hold that was placed for the ATM deposit that you made on January 23, 2015, we understand that there may have been an insufficient available balance to receive the funds from the transaction. We apologize for any misunderstanding you may have experienced regarding this situation. You state that you made the deposit with a teller; we do not have record of any other deposit holds other than for the aforementioned $200 deposit that was made at an ATM. If there is another transaction that you would like us to research, please provide us with the date and amount of the transaction. Please note that TCF's Terms and Conditions for Checking and Savings Accounts explain that even though funds may be available, you are still responsible for problems with the deposit such as deposited checks or cashed checks that are returned unpaid. Upon receipt, we will review your merchant fee documentation. Ms. ******, we thank you for your additional correspondence and trust this information clarifies TCF policies regarding funds availability. Sincerely, ************ Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 16, 2015/02/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) The check was placed in the ATM, BUT their bank representative ****** CALLED ME, because their was a problem with one other item, same deposit. SHE CALLED ME, and I told her NOT to deposit anything, so this became a physical transaction, because the envelope was opened, and she physically made the deposit without permission, and the transaction could have been reversed, because the federal reserve did not pick up the deposits yet. The point of this story, which TCF seems to be missing is the fact that the CHECK CLEARED THE BANK. It had a 1 day hold placed on it when ****** did the deposit; THE CHECK CLEARED, IT DID NOT COME BACK NSF. A FINANCIAL INSTITUTION cannot take it upon themselves to place a hold on cleared funds, or place a hold on funds that already cleared a one day hold. This is the problem, there was already a hold placed on the funds, monies cleared. TCF took it upon themselves to place an illegal hold, and NO, their response is not accepted, because now my TWO credits cards are going to penalize me for FUTURE credit increases, as well as I am still awaiting the NSF fees charged for the month. The problem is that my credit has been affected with the NSF's, they will not give you credit increases, due to NSF's, and they don't care whose fault it is. Another important point; I called ****(Manager) on the customer service line, and asked were the funds available BEFORE, I paid my bills, and I was told yes. To place an additional illegal hold on funds; TCF NEVER did indicate how long the additional hold was for, and this is against Regulation CC. None of their correspondence with me has indicated HOW LONG the money was going to be placed on CLEARED FUNDS, and this is illegal, and this is why this is not resolved. You have to notify a customer of the number of days a hold is going to be placed; they failed to do this because they knew the additional hold was illegal in the first place. If they have a problem with a transaction; it is their responsibility to reject it, (like ****** did with one other STATE CHECK, same envelope and deposit, and not make the deposit at ALL) or place an excessive hold of 10 days at the START OF THE TRANSACTION, it is illegal to comeback after the fact without any NSF's from the paying back to hold monies that has already cleared.

2/24/2015 Advertising/Sales Issues
2/20/2015 Advertising/Sales Issues
2/18/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Tcf claims to offer free checking yet im charged a fee if I use the debit function or go to a non tcf atm. Which means my account isnt free. I stopped using my debit card for about 8-10 yrs. Once I started using it I encountered over draft penalties because they charged usage fees. Ive had a free checking account else where and it was just that....FREE. The only charge was for my mistakes. The issue is the multiple $5 pos fees plus fees for using non tcf atms.

Desired Settlement: I would at the least like all fees and associated overdrafts refunded.

Business Response: Initial Business Response /* (1000, 5, 2015/02/06) */ February 6, 2015 Mr. ***** ******* ******************* Evanston, IL 60202-3639 RE: BBB Case # ******** Dear Mr. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding Point of Sale fees assessed to your account. Our records indicate that your account has incurred Point of Sale fees (POS), which are assessed to some of our accounts when a PIN is entered for a transaction at a merchant. Total POS fees are assessed at the end of each monthly statement period. Due to the circumstances, we have updated your account so that going forward you will no longer be assessed POS fees. To assist you, we reversed $9.80 which represents the fees incurred between December 2014 and January 2015. You also express concern regarding Non TCF ATM fees assessed to your account. TCF's Services and Prices Schedule explains that the fee for using a non-TCF ATM is $3.00 per withdrawal. These fees are accessed at the end of each statement period. On December 12, 2014 your account incurred a $3.00 Non-TCF ATM fee. Because you are a valued customer, we have also reversed this fee. Further review of your account shows that on January 26, and 27, 2015 your account incurred $148.00 in overdraft fees, when there were insufficient funds for transactions presented on your account. Because of your longstanding relationship, we have also reversed these fees. You will see this as a credit on your next statement. Please note, your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling TCF Customer Service at 1-800-TCF-BANK (**************). In addition, we have also enclosed our brochure "What You Need to Know about Bank Service Charges & Overdrafts." This brochure explains how overdraft fees are assessed and is a helpful resource to assist customers with avoiding or reducing service fees. Mr. *******, thank you for bringing your concern to our attention. I trust this information will assist you in maintaining your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/02/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) I feel that all fees of this nature since opening my account should be credited back. Excluding overdraft fees that I created. Also your online system needs to be more accurate since I am responsible for any errors, even ones not caused by me. I paid a bill online and the status shows paid. However the money is not deducted as pending nor has the payee recieved the funds 2 weeks later. If the online service is a extension of me then I expect it to operate as such. Not walk the line that tips the scale in your favor for overdraft fees. Final Business Response /* (4000, 9, 2015/02/13) */ February 13, 2015 Mr. ***** ******* ******************* Evanston, IL 60202-3639 Re: BBB Case # ******** Dear Mr. *******, We received the additional inquiry you submitted with the Better Business Bureau and appreciate the opportunity to further investigate your concerns. We regret that you are unsatisfied with our response. You expressed concern about the amount of overdraft fees that we assisted you with in our prior response. Our records indicate that TCF has previously assisted you with courtesy fee reversals prior to our response on February 6, 2014. While we sympathize with your situation, we are unable to reverse any additional fees at this time. You also express concern regarding delivery of payments authorized through TCF's Online Bill Pay. TCF's Online Banking Agreement explains that account withdrawals for scheduled electronic bill payments usually take place on the due date. However, the withdrawals may take place up to two business days before the due date. Additionally, we do not guarantee that any payee will receive payment by a certain date. Additional time may be required if your payee receives a check bill payment written on your account without a payment coupon or associated payment stub, as the payee may have to process it at a secondary address. When bill payments are issued in the check format, they will not be included in the list of pending transactions provided by TCF's Online Banking site and automated phone system because checks are processed on the day they are presented to the account for payment. We understand from your inquiry that a bill payment you authorized was not received by the merchant. For assistance, you may call TCF's Customer Service Line at 1-800-TCF-BANK (**************) and follow the prompts to speak with an Online Specialist. These TCF representatives are specially trained to help our customers with online banking matters and are able to escalate non-system issues for further research and resolution. Mr. *******, we trust this information will assist you with your account. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 11, 2015/02/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was not refering to what you did recently. My response was regarding all pos fees that have been assesed on a supposedly free checking account that have had from the begining. The overdraft fees were in regards to those caused by these free checking account fees. Thank you

2/16/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TCF Bank has frozen my commercial account without cause. Thereby costing me damage for not having access to my company funds. TCF Bank has frozen my commercial account without cause. Thereby costing me damage for not having access to my company funds.

Desired Settlement: Release my funds and close my business checking account.

Business Response: Initial Business Response /* (1000, 5, 2015/02/03) */ February 3, 2015 ***** ***** *************** *************** Chicago, IL 60641 Re: BBB case #******** OCC case #******** Dear Ms. *****, We received the inquiries you submitted to the Better Business Bureau and the Office of the Comptroller of the Currency and appreciate the opportunity to respond to your concerns. You express concern regarding a hold placed on your TCF Business Checking account. Our records show that a hold was placed on your account when business documents that needed to be on file at TCF for the account had not yet been provided. Once you furnished the necessary documents, the hold was removed. We are happy to see you have resumed activity on the account. Ms. *****, we thank you for banking with us and look forward to continuing to serve your banking needs in the future. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Customer Assistance, Office of the Comptroller of the Currency

2/16/2015 Advertising/Sales Issues
2/9/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: My checking and savings accounts were not set up correctly when the accounts were first open about 3 months ago. My checking account has been charged over $500 in NSF fees over the course of 3 days even though the savings account had plenty of funds to cover all transactions. I was going online and manually transferring funds to my checking account from my savings account to avoid service fees and this still resulted in $500 worth of overdraft fees. My checking account should have also been set up to decline debit card transactions and this was not done. Product_Or_Service: Checking account

Desired Settlement: DesiredSettlementID: Refund I would like a refund of all NSF fees charged between the dates of 01/14 through 01/16.

Business Response: Initial Business Response /* (1000, 5, 2015/01/28) */ January 28, 2015 Ms. ***** ******** **************** Saint Paul, MN 55103-2420 Re: BBB Case # ******** Dear Ms. ********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding the overdraft fees that were assessed to your account. We would like to take this opportunity to explain how overdraft fees were incurred in this situation. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated August 25, 2015 (copy enclosed), the beginning available balance was $41.19. First, we added the pending deposits; in this case, the deposits totaling $75. From this balance, we subtracted the transactions that were pending; in this case, the transactions totaling $47.04. The available balance was then $69.15. Then we subtracted the transactions that were posting; in this case, the four transactions totaling $71.25. The available balance after pending and posted transactions was therefore negative -$2.10, which is why your account was assessed an overdraft fee. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. You also express concern regarding funds being available in your savings account when the overdrafts transpired. TCF offers an Overdraft Protection Transfer Service that automatically transfers funds from a savings account to a checking account when items (such as checks, check card transactions or other withdrawals and transfers) that post to the customer's checking account exceed that account's available balance. This service is available to customers who have a checking and savings account with the same name. Enrollment in the service is free; however, there is a transfer fee. TCF records indicate that you are not currently enrolled; however, you may do so at any time. For additional information, please stop into your neighborhood branch and speak with one of our representatives. In addition, we would like to address concern regarding your overdraft elections. Review of the new account documents shows that by initialing the Overdraft Election section of the new account agreement (copy enclosed) you asked TCF to pay ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request. You did not authorize TCF to pay checks and ACH transactions when they exceed the account's available balance. We are sorry for any misunderstanding there may have been when you were making your election. It is TCF's goal to ensure our customers have a full understanding of the account at the time it is opened. We see that you have since changed your election and asked TCF to decline everyday debit card and ATM transactions that exceed your available balance at the time of the authorization request. If you would like any additional information on these options, you may contact TCF's Customer Service line at 1-800-TCF-Bank (1-800-823-2265) or speak with one of our branch representatives at any time. Between January 13, 2015 and January 16, 2014 your account incurred $444.00 in overdraft fees. TCF has already reversed $74.00. To assist you, we have reversed the remaining $370.00 in fees. This transaction will appear as a credit on your next statement. Ms. ********, we thank you for banking with TCF, and we hope this explains TCF's policies more fully. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

2/6/2015 Problems with Product/Service
2/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I had a fraudulent charge for $283. Cannot make it into branch. On hold with 800 number for 4 hours until I am disconnected at closing time. I received a charge on my account for $283 from America's Cash Return. I had never heard of this company. I work and go to school all 7 days of the week so I am unable to reach a branch during business hours to get this charge reversed. I called the 800 number to report it and I was on hold two different days for about 2-4 hours each until it was disconnected. I have incurred about $200 in overdraft charges. I also had several charges go through during the nightly processing and show up on the transactions, then a couple days later, they are still shown, but in an order that makes me overdrawn. II understand that it is my responsibility to keep track of my spending, but when they are blatantly held and moved around so the bank can make money, it is a little outrageous. Every time my account has been in the negative, I have always deposited money back in and never incited any overdraft charges. All I want is a fraud alert on my account for that charge and at least most of my fees reversed.

Desired Settlement: I would like my fraudulent charge to be looked into and fees reversed.

Business Response: Initial Business Response /* (1000, 5, 2015/01/20) */ January 20, 2015 ***** **** ***************** Westminster, CO 80020 Re: BBB case #******** Dear Ms. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. It is our goal to provide service which is efficient, knowledgeable, and courteous, and it is disappointing to learn of any instance where we have failed to deliver the level of service that our customers expect. We apologize that you were dissatisfied with the wait-time on our Customer Service Line. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concern. Your feedback is valuable in determining areas that may be improved and has been forwarded to the Customer Service Line management for their review. You express concern regarding an unauthorized transaction on your account. We are glad to see you were able to initiate a claim with TCF regarding the $283.34 transaction that was debited from your account by America's Cash - Returns on January 7, 2015. When fees are caused by unauthorized transactions they are reversed at the time the claim is resolved. However, to further assist you, we have reversed the $185.00 in fees you incurred between January 8, 2015 and January 16, 2015. Ms. ****, we thank you for communicating your concerns with TCF and trust this clarifies the claim process. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

2/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: On January 14 at branch 00024, minneapolis lake street office with drive through branch. I made a cash deposit of $60.00. It has not been entered. The reference number was *********** teller was *******. I told the teller that my transaction slips said my balance was 40.05. After waiting more than 2o min and two representative no one could provide an explanation. I caled the call line Jan 17 at 9 am to *** she could not explain why the deposit was not entered. She then forwarded me to a Lead named *****. He promised to have an explanation by 3:30pm. He failed to call back. I then called TCFwas forwarded to another Lead *** at 4:18 pm. He apologized and informed me that the Branch has closed. He requested my number and promisedto follow up. I had important bills to pay and because of TCF's negligence I will be placed in economic hardship. I did not have any overdrafts, enrolled in online banking so I dont understand why $20 is being taken out of the 60.00 that is not even reflected on my account. This issupposed to be totally free checking.

Desired Settlement: Place my entire 60.00 into my checking account. I am positive $5.00 already.

Business Response: Initial Business Response /* (1000, 5, 2015/01/22) */ January 22, 2015 Ms. ***** ****** ***** ******************* Minneapolis MN 55408 BBB Case # ******** Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern that a deposit you made was not credited to your account. TCF records indicate that on January 14, 2015, due to a processing error, your account was not credited for a $60.00 deposit. To correct the error, a credit adjustment was run to your account on January 20, 2015. We apologize for any dissatisfaction this situation may have caused. We also apologize that your interaction with our representatives did not meet your expectations. TCF has a commitment to delivering a positive experience with each and every customer interaction. You can be assured that we are looking into the encounter you described in your letter and will be addressing it appropriately. Ms. ******, thank you for bringing this matter to our attention. Sincerely, ********* Customer Response Representative Cc: ****************, Operations Manager, Better Business Bureau

2/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF bank continues to overcharge for overdraft fee's. On December 15,2014 a deposit was made to my checking account in the amount of $1900. my account was negative 568.00 (which included 2 overdraft fee's in the amount of $37.00). when my direct deposit was made by my employer, TCF showed my balance as 1200.00. Tcf also placed a hold on 260.00 of my direct deposit. When a direct deposit is made "all funds" should become available minus any outstanding balances. With this misappropriation of overdraft fee's and direct deposit holds, my account became negative once again. I'm responsible for the overdraft fee for a $400.00 atm withdrawl,but all the other fee's I'm not responsible for. TCF returned my mortgage payment of $260.00 3 times and charged me a $37.00 fee for each transaction, and on the forth resubmission TCF allowed the transaction. If TCF didn't overcharge me for overdraft fee's and held a portion of my direct deposit, I would have to keep reporting them to BBB, and my account wouldn't constantly be in the red. When I opt out of overdraft protection, I'm unable to access my transactions on line and over the phone until the transactions has posted.

Desired Settlement: I'm seeking to have $259.00 of overdraft fee's deposited back into my account.

Business Response: Initial Business Response /* (1000, 5, 2015/01/09) */ January 9, 2015 Ms. ********** **** ******************* Chicago, IL 60643-3029 Re: BBB Case# ******** Dear Ms. ****, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You express concern regarding overdraft fees that were assessed on your account. We would like to once again take this opportunity to explain why overdraft fees were incurred in this instance. In the notice dated December 17, 2014 (copy enclosed), the beginning available balance was $1,303.71. From this balance we subtracted the transactions that were pending; in this case there were twelve transactions totaling $1,071.50. The available balance was then $232.21. Then we subtracted the transaction that are posting; in this case there were four transactions totaling $283.69. The available balance after pending and posted transactions was therefore negative (-$51.48), which is why your account was, assessed an overdraft fee on the following business day. In reference to your concerns regarding a hold placed on your direct deposit. After extensive review of your account, it was determined that no hold was placed on your direct deposit. We regret any confusion there may have been. Please note, that your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling **************. To further assist you, we have enclosed a new account packet. This packet includes all relevant account information to assist you in maintaining your account. Please read and review all enclosed material. In addition, it is TCF's goal to ensure that our customers have the tools necessary for achieving financial success. Because we believe that financial education is likely to increase savings, use of banking services, and improve upon a customer's overall financial health, TCF offers a free, online financial education program that covers a variety of important topics. TCF employees participate in this same online program, which teaches financial concepts through a multimedia learning experience using video, animations, 3-D gaming, and exercises. You can register at TCFlearning.com and complete the course at your own pace. Our hope is that this program will assist customers in increasing their financial awareness. TCF records indicate that between December 17, 2014 and January 7, 2015 your account incurred $518.00 in overdraft fees. Our records also indicate that we have previously assisted you with courtesy fee reversals; the most recent was on July 28, 2014. While we sympathize with your situation, we are unable to reverse any additional fees at this time. Ms. ****, I trust that I have provided you with useful information that will assist in managing your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/01/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was a hold placed on a portion of my direct deposit and I have the overdraft statement that TCF sent me reflecting that. I have to monitor my account because TCF constantly tack on bogus overdraft fees. When I attempted to place a hold on overdraft fees I was unable to access any transactions online. Once again Im requesting a reversal of my overdraft fees, an investigation into TCF overdraft fee practices, and at this point I want my account closed. Final Business Response /* (4000, 9, 2015/01/21) */ January 21, 2015 Ms. ********** **** ******************* Chicago, IL 60643-3029 Re: BBB Case# ******** Dear Ms. ****, We received your additional inquiry submitted through the Better Business Bureau and appreciate the opportunity to clarify the activity on your account. In our previous response, we explained that in the Notice of Overdraft or Adjustment your available balance for pending and posting transaction on December 17, 2014 was $1,303.71. After pending transactions your Available Balance was then $232.21. From this we subtract your Posting transaction which totaled $283.89. Your available balance was then negative (-$51.48) which is why your account was assessed overdraft fees on the following day. There was no hold placed on your direct deposit. In reference to your concerns regarding overdraft fees on your account. We understand that you have chosen to maintain your Opt- In election, which authorizes TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. If you wish to reduce or avoid overdraft fees, we recommend changing your election. Ms. ****, I trust that I have provided you with useful information that will assist in managing your account. Sincerely, ******** Customer Response Representative Cc:*****************, Senior Mediation Coordinator, Better Business Bureau

1/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Charged excessive overdraft fees by TCF Bank My account became overdrawn by about $40 and then it turned into TCF Bank charging me and my husband excessive overdraft fees. I received a bill from a collection agency saying TCF is now charging me over $600. I really enjoyed having TCF as my bank until this problem occurred. Once the excessive fees where added it was just too much and my account was closed.

Desired Settlement: I would like TCF to reverse the excessive fees charged to my account.

Business Response: Initial Business Response /* (1000, 5, 2015/01/20) */ January 20, 2015 ******** ***** **************** Canton, MI 48187 Re: BBB case #******** Dear Ms. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concern. You express concern regarding overdraft fees assessed to your former TCF Checking account. TCF records indicate between September 2014 and October 2014 transactions were presented for payment from TCF Checking account xxxxxx3110 when there were insufficient available funds resulting in overdraft fees. When the account balance remained overdrawn, TCF assessed a $35.00 collection processing fee and closed the account. The $614.51 balance owing was sent for collection and reported to ChexSystems for insufficient funds activity. As a courtesy, we have reduced the amount owing at the collection agency by $222.00, which was the amount of fees incurred for items that were returned unpaid. Please note: there is a remaining balance owing. Ms. *****, we thank you for communicating your concern with TCF and trust we have assisted you in reconciling this matter. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/01/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) TCF charged much more than $222 in fees. Some how there where charges being put through from Paypal for the same amount repeatedly. These are not charges I authorized and contacted PayPal who referred me to the bank. My account would have not gotten out of hand had TCF not charged excessive returned item/over draft fees. Final Business Response /* (4000, 9, 2015/01/29) */ January 29, 2015 ******** ***** ***************** Canton MI 48187-3079 RE: BBB case #******** Dear Ms. *****, We received your additional inquiry submitted to the Better Business Bureau and appreciate the opportunity to address your concern. As stated in our previous response, between September 2014 and October 2014 your account was assessed $370.00 in overdraft fees, of which $222.00 were Returned Item NSF fees related to the PayPal transactions. As a courtesy, we reduced the balance owing in collection by the $222.00 fee amount. While we regret that you are dissatisfied with the reversal amount, we consider this matter closed. Ms. *****, we thank you for writing and trust this clarifies the action we have taken to assist you. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/27/2015 Advertising/Sales Issues
1/26/2015 Problems with Product/Service
1/23/2015 Delivery Issues
1/23/2015 Problems with Product/Service
1/23/2015 Billing/Collection Issues
1/23/2015 Delivery Issues
1/19/2015 Advertising/Sales Issues
1/19/2015 Advertising/Sales Issues
1/19/2015 Advertising/Sales Issues
1/19/2015 Problems with Product/Service
1/19/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have been filing complaints against this bank since February of 2014. Issues not yet resolved. I have been filing complaints against this bank since February. I went to three different branches of this bank to try and have the issues resolved. None of the representatives have tried to assist m

Desired Settlement: I have been to three different branches of this particular bank. None of the representatives have tried to assist me with returning the funds back to my account. I have had as much as 5000 dollars come up missing from my account and not one representative from either of the banks wanted to help me. I made too many trips to the banks to keep count. Each visit I was advised to either go to another bank of I was told to do my own bookkeeping and bring in the information. When I did bring in the information I still did not get any assistance. I have had as much as 5000 dollars come up missing from my account.

Business Response: Initial Business Response /* (1000, 6, 2015/01/06) */ January 6, 2015 Ms. ***** ********** *********** St Cloud MN 56302 Re: BBB Case # ******** Dear Ms. **********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. On June 27, 2014, we responded to the inquiry you filed with the Office of the Comptroller of the Currency regarding the same issue. We also sent you copies of your statements for review. It is TCF's desire to assist customers who have reported possible unauthorized use of their account; however, as previously stated, you must identify which deposits and/or withdrawals are in question so that we may further investigate the matter. We have once again enclosed copies of your statements. Please indicate which transactions are unauthorized. Ms. **********, we hope this clarifies the steps necessary to resolve this matter. Sincerely, ********** Retail Correspondence Supervisor Cc: ***************, Operations Manager, Better Business Bureau

1/14/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I removed overdraft protection from my account several months ago. Payment processed when funds not available and fee charged. Refused to reverse fee. I removed overdraft protection from my account several months ago to prevent any NSF Fees from being applied to my account if funds are not available. 2 payments were presented (State Farm and Netflix) to which one was denied (as it was supposed to have been because overdraft protection was removed) and the other was not. Payment processed when funds not available and NSF fee charged to my account. I contacted the bank and they confirmed that the overdraft protection was removed from the account and could not explain why one payment was put through because it should not have been yet they still refused to reverse fee. When escalated to "******" on 12/24/14, I was advised that regardless of having removed overdraft protection that "the bank determines what is approved and what is disapproved" which completely contradicts the purpose of having removed overdraft protection in the first place. I then requested to speak with "******'s" supervisor I was advised I would receive a call back within 1 business day as supervisors are not available to speak on the phone. As of today, 1/3/15, I still have not received a call back and the fee still remains on my account. This fee is not valid as all precaution were taken on my end to ensure that this would not happen.

Desired Settlement: I want the NSF Fee of $37 reversed as it is not a valid fee and cannot be justified as a valid charge.

Business Response: Initial Business Response /* (1000, 5, 2015/01/13) */ January 12, 2015 ***** ***** ****************************** Denver CO 80247 Re: BBB case #******** Dear Ms. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. It is our goal to provide service which is efficient, convenient and valuable, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We regret any frustration there may have been when waiting for a call from a TCF Customer Service Supervisor. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate your feedback as it is valuable in determining areas that may be improved. You express concern regarding an overdraft fee assessed to your TCF Checking account xxxxxx3167. TCF records indicate that on June 2, 2014 you authorized TCF to decline ATM and everyday debit card transactions when there are insufficient available funds in your account. This election is what stopped the payment to State Farm on December 11, 2014 from being processed. An everyday debit card transaction is any one-time, non-recurring transaction using a debit card. The Netflix payment, however, is a recurring debit card transaction, which unfortunately is not governed by the opt-in/opt-out election. Transactions you authorize in advance, such as a monthly bill payment, using your debit card are not considered everyday transactions. TCF relies on the transaction designation (code) provided by the merchant to determine if a transaction is recurring. We have enclosed our brochure, What You Need to Know about Bank Service Charges and Overdrafts. This will explain in further detail the coverages of the opt-in/opt-out election and will also help you understand how other service charges are assessed and how to reduce or avoid them. Review of your account shows that on December 12, 2014, Netflix presented a transaction for payment in the amount of $7.99 when there were insufficient available funds, resulting in a $37.00 overdraft fee. Because we value you as our customer, we have reversed this fee. This will appear as a credit on your next statement. Ms. *****, we thank you for banking with us and trust this clarifies the activity on your account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Simply requesting loan documents this complaint is in reference to loan #********************. I contacted TCF mortgage dept. and spoke with ***************, I made a request for a copy of my mortgage loan documents because I need to know where my payments are being disbursed, at that time I also provided *************** with an E-mail request giving my wife ****************, authorization to access any information regarding this loan. I received loan documents approx. 1 week later, but I was missing the papers that would show the money disbursement.I recontacted TCF and was told that I need the HUD papers. I put in a request for the HUD papers and waited approx. 3 weeks and heard nothing and received nothing. I contacted TCF again, and was told that HUD papers cannnot be mailed they have to be gotten directly from any branch. My wife goes to a branch and is told that they cannot be gooten anywhere , she needs to go to the branch where the loan was originated, and that the HUB papers will not have the disbursement info, that the documents needed are part of the loan papers we already received. My wife then called TCF today 12/5/2014 and they said that she cannot request these documents because she does not have authorization(as stated earlier I provided authorization for my wife. I feel as if TCF is giving me a huge runaround and that nobody seems to actually know what documents I need.

Desired Settlement: I want all the documents related to my loan a.s.a.p. most of all, the documents that would show me where the money for my mortgage payment is going.

Business Response: Initial Business Response /* (1000, 7, 2015/01/05) */ Contact Name and Title: ********* Contact Phone: *********** Contact Email: *****@tcfbank.com Re: Case Number ******** Dear Mr. ********, Your inquiry to the Better Business Bureau has been forwarded to TCF Bank for response. I apologize for the difficulties you encountered while trying to obtain copies of your loan documents. You deserve courteous and professional service at all times and I am sorry if you were dissatisfied with the service you received from TCF Bank. Per your request I have enclosed copies of the Settlement Statement, Loan Disbursements and checks. If you need additional information or have any other questions I can be reached at ************. Sincerely, ************** Supervisor Consumer Loan Servicing

1/9/2015 Billing/Collection Issues
1/7/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On November 26, 2014, I went to TCF on 57th Ave to cash a check for a friend who did not have an account. At the time I had all of $.64 in my account. I had never cashed a check for a friend I am new in banking, TCF was my first account ever. The check in question was for $925. The teller, ****, cashed the check with no approval or override by any manager. I also was never asked if I wanted to deposit or cash it. Then a few days later, I called the automated system to see the balance in my account to see how much my direct deposit was, and that was when I found out I was negative. I did not receive any notice in the mail until about a week after that. The day I found out I was negative, I called customer service to deal with the situation and they basically said "too bad, fix your negative balance and make it positive."

Desired Settlement: DesiredSettlementID: Refund All I want is TCF to make my account back to the $.64 or zero amount since the bank should not have cashed a check for that amount for someone who only had $.64 and have never had a deposit over $175 in my history with TCF. I do not know the ins and outs of banking. I believe they took advantage of me.

Business Response: Initial Business Response /* (1000, 5, 2014/12/23) */ December 22, 2014 Ms. **** ********* ***************** Fridley, MN 55432 BBB Case # ******** Dear Ms. *********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding a check that you cashed against your TCF account. TCF records indicate that a check in the amount of $925.00 was returned to TCF unpaid and, $925.00 was debited from your account, along with a $20.00 returned deposited item. TCF's Terms and Conditions for Checking and Savings Accounts explains that you are liable to TCF for all checks and other noncash items deposited or cashed even after the funds are made available to you. We regret any misunderstanding there may have been regarding this practice. TCF recommends that you attempt to recover the funds from the person you cashed the check for, or that you attempt to recover the funds from the account holder from who the check was written. To assist you, we have reversed the $20.00 returned item fee. This transaction will appear as a credit on your next statement. Ms. *********, we hope this clarifies the actions taken with regards to your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2015/01/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I find the incident a majority TCF's fault. With me being new to the banking industry, the bank should have informed me what any outcome may arise. Cashing a check in that amount to a person with no money to cover such an issue was in the wrong of their part. They should have said "it needs to be deposited and a wait period til it clears or even no we can not cash a check in this mount" should have been the words out of his mouth. Also there should have been a managers denial/approval with a check of checking history to see if there would have been coverage.

1/7/2015 Problems with Product/Service
1/2/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Someone gave me a $500.00 check for part of the $3,000 owed. The check bounced and the bank charged me $20.00. The bank should not charge the victim of a crime $20.00 for a bounced check. The bank also refused to refund the money at the bank location.

Desired Settlement: I would like the $20.00 back. I will also begin pulling out my automatic deposits and slowly cut all ties with tcf.

Business Response: Initial Business Response /* (1000, 5, 2014/12/22) */ December 22, 2014 Mr. ******* ***** ******************* Maplewood, MN 55117-2324 Re: BBB Case # ******** Dear Mr. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. TCF records indicate that on December 9, 2014 you made a deposit which included a $500.00 check. On December 12, 2014 this check was returned to TCF unpaid and $500.00 was debited from your account. The $20.00 fee was charged for the returned deposited item per TCF's Deposit Account Service and Prices Schedule. Because we value you as a customer, we have reversed the $20.00 returned item fee. This transaction will appear as a credit on your next statement. Mr. *****, we thank you for bringing this matter to our attention and value your relationship with TCF. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/23/2014 Advertising/Sales Issues
12/22/2014 Advertising/Sales Issues
12/22/2014 Billing/Collection Issues
12/22/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF will not reimburse us for charges made when my wifes debit card was stolen. My wife had left her purse at the ER when she went in and an hour or so later when she realized it was missing and got it back her card was gone from the purse. The next day we noticed almost 450$ in charges at Mystic Lake casino were made along with resulting overdraft fees. We have made a fraud claim with TCF which they denied stating it was within our spending patterns which is a total crock.

Desired Settlement: We just want back the money from the fraudulent charges and the overdraft fees that resulted from those charges which we estimate to be between $575 and $600.

Business Response: Initial Business Response /* (1000, 7, 2014/12/09) */ December 9, 2014 ***** ******* *** ******* ****************** Hopkins, MN 55343 Re: BBB case #******** Dear Mr. ******* and Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding a denied claim filed with TCF Bank. Review of TCF records indicates the claim was denied because it was determined in the claim investigation that you received benefit from one or more of the transactions in question. TCF video surveillance confirms that the same recipient of one of the disputed transactions identified in your claim was the same recipient in an authorized transaction from your account. Regarding overdraft fees incurred on your account, review of account history shows that between October 28, 2014 and November 24, 2014 (your November account statement), TCF Checking account ***********, was assessed $592.00 in overdraft fees when transactions were presented for payment when there were insufficient available funds. TCF reversed $74.00 of these fees. Because we value you as customers, we have reversed an additional $222.00 in fees. Mr. ******* and Ms. *******, we thank you for banking with us and trust this has provided clarification and assistance with your account activity. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/19/2014 Advertising/Sales Issues
12/15/2014 Billing/Collection Issues
12/15/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They are charging me over draft charges when i had the money in my bank they had a hold on 107.70 for no reason that created this problem. I was paid by direct deposit into tcf bank on nov 12th I had made some purcheases on nov 11th but i believe i may have transfered money to cover them,. any ways i watch my account closely and i mad sure i knew what i spent and what amount i had in my account, i even had money in my savings to put into my checking if needed. so any ways one of the charges from the 11th posted on the 14th and i was charged an over draft charge even though i had money in my account and then also i went to a store on thursday night and i am now being charged with this fee as well telling me that it went thorough by the morning the next day so i recieved another charge. then i was charged 5 more due to these charges. I have tried to speak to them and they are telling me i did not have any money. I have proof the account shows i had money and i find it weird that a charge posted when i just baught it the night before. They are charging acoounts for over drafts that are not true. i have read this all over that tcf is taking peoples money. How do you have over drafts when you get paid and have the money in the account?

Desired Settlement: I request that they refund my money of 222. in fees they have taken and quit trying to screw people over on their money. there is simply no reason for them to hold 107 of mine. Also when you do direct deposit generally the money should be available right away. ALso i am requesting another 37 dollars for the overdraft that will be charged today due to the ones they charged before this 37 will post tonight i was told so the amount i am requesting refunded is 259. Also i know i have had previous help in the over draft fees that was my fault and they offered to reverse one. but this time i had money in my account i was just paid and it does not show any where that i was negagtive and also tcf had hold of 107 which could have caused this. I have supplied documentation of deposits i did on line and everything. If a teller can not even figure out what is going on or why i was charged that shows something. she even told me i should not have been charged and wanted to look into it further and said she would contact me but never did. i had one fee of 37 reversed yesterday is due to the fact that i was charged 12.12 by Super america twice and its is being disputed so they reveresed the fee it caused since it was a error by SA so I have not counted that fee in the amount i am requesting back.

Business Response: Initial Business Response /* (1000, 12, 2014/12/02) */ December 2, 2014 Ms. ******** ********** ****************** Blaine, MN 55449 Re: BBB Case # ******** Dear Ms. **********, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding the overdraft fees that were assessed to your account. Your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In addition, when viewing your account activity online, a notice at the top of the page informs you that, "For checking and savings accounts, transactions are updated during TCF's nightly processing. Therefore, all your transactions may not be shown and the balance shown may not be fully available for immediate withdrawal. Debit card authorizations and pending withdrawals and transfers reduce the amount available for immediate withdrawal. Check deposits and other pending deposits may not all be included in the amount available for immediate withdrawal. All pending transactions may not be shown. Transactions may not be posted to your account in the order shown." Generally between the hours of 10pm and 6am, TCF's nightly processing is in effect, and your online banking activity may not reflect all transactions that have not finished processing. As a result, your activity and balance information may not accurate if you check your account between these times. For example, in the notice dated November 14, 2014 (copy enclosed) the beginning available balance including your Online Web Transfer of $80.00 was $250.92. From this balance, we subtracted the transactions that were pending; in this case, there were six (Holiday Station, Wendy's, Blaine Brook Entertainment, Superamerica, Toys R Us, and Superamerica) totaling $143.20. The available balance was then $107.72. Then we subtracted the transactions that were posting; in this case, there were four, (Withdrawal, Taco Bell, Burlington, and Northgate Liquors) totaling $138.42. The available balance after pending and posted transactions was therefore negative - ($30.70), which is why your account was assessed additional overdraft fees on the following day. It is important to remember that when you write a check or use your card and TCF authorizes a transaction, these funds are no longer available to you, even though the transaction has not posted. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. Our records show you recently changed your overdraft elections to authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling 1-800-TCF-BANK. Our records indicate that between November 17, 2014 and November 19, 2014 your account incurred $259.00 in overdraft fees. TCF has already reversed $74.00 of these fees. To further assist you, we have reversed the remaining fees. You will see this as a credit on your next bank statement. We have also enclosed our What You Need to Know about Bank Service Charges & Overdrafts brochure for your review. This notice is a great resource to assist customers with avoiding or reducing service fees. Ms. **********, thank you for bringing your concern to our attention, I trust the information will assist you in maintaining your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 14, 2014/12/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I appreciate the lighting fast response after the second notice and the explanation of how you guys work. however due to all this issue it has affected me up to last weeks payroll, i had money put away for checks and bills and what not, but since i had to take my savings to pay bills i was short one for 16 dollars as well and recieved another over draft fee on the 26th. also I wonder why when i recieve direct deposit my deposit still pends for days and i dont understand when that money should be available right away that is the point of direct deposit, aslo another issue is when i transfer money from my savings to checking that also pends but it should not since the bank has the money. Final Business Response /* (1000, 18, 2014/12/12) */ December 12, 2014 Ms. ******** ********** ****************** Blaine, MN 55449 BBB Case # ******** Dear Ms. **********, Your additional inquiry filed with the Better Business Bureau has been forwarded to TCF for response. You express concern regarding the availability of your direct deposit. Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositor. Review of your account indicates that your direct deposit was credited to your account on December 10, 2014 at the direction of Jorgenson Construction in the amount of $525.76 and was available on the day of deposit. The fees that were incurred on your account were from transactions that were authorized prior to your deposit. If your balance is insufficient for transactions that post during nightly processing, overdraft fees will be applied to your account the next business day. Our records show you recently changed your overdraft elections to authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling 1-800-TCF-BANK. Regarding the overdraft fee assessed to your account. Review of your account indicate on December 8, 9 2014 your account incurred $111.00 in overdraft fees, because of insufficient available funds. As a one-time courtesy, we have reversed these fees. Please understand TCF may not reverse additional fees unless they are the result of bank error. Ms. **********, we hope this satisfies the concern regarding your account. Sincerely, ******** Customer Response Representative Cc: ****************, Operation Manager, Better Business Bureau

12/8/2014 Advertising/Sales Issues
12/5/2014 Delivery Issues
12/1/2014 Billing/Collection Issues
12/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My son ********** was taken advantage of by a criminal who gain access to my son account. My son (**********) was scammed into cashing check into his account that he thought was good, but they were not good. When I had an account at TCF bank for 15 years they never allowed access to the money until the 3rd party check cleared the person bank, so I am not sure why TCF let these check though. Then I wrote a Cashier Check for $3,800 to cover my son (**********) and it has been 5 days since he deposited the Cashier check and he still cannot get access to his account. I need TCF to explain to my Son and I why they did not protect him when TCF had the resource to do so. Why did TCF take 5 days to OK a cashier check which is the same as cash? I think since this was a fraud case TCF should share in the financial hardship this has caused our family.

Desired Settlement: TCF should have protected ********** against this fraud of $3,800.00.

Business Response: Initial Business Response /* (1000, 5, 2014/11/19) */ November 18, 2014 Mr. ****** ***** ************************** St. Louis Park, MN 55416-5279 Re: BBB Case # ******** Dear Mr. *****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns regarding your son's TCF checking account. Due to TCF's Privacy Policy, we have responded to your son directly. Mr. *****, we appreciate you taking the time to inform us of your concerns. Sincerely, *********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

11/25/2014 Delivery Issues
11/24/2014 Problems with Product/Service
11/20/2014 Problems with Product/Service
11/17/2014 Problems with Product/Service
11/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Money being removed from checking account I didn't do Issue proteins to charges made against checking account and me being charged the over charges of $277.00 plus additional fees in area of $100.00 Requested and received new card to prevent again

Desired Settlement: looking to TCF to correct error in total amount of around $377.00 I picked up and provided errors I seen and waiting on that but was also charged overdraft charges of $277.00 Just want issue fixed money credited back to Checking

Business Response: Initial Business Response /* (1000, 5, 2014/10/15) */ October 9, 2014 Mr. ******* **** *************** Fridley MN 55421 Re: BBB case #********, BBB case #******** CFPB case #*************, CFPB case #************* Dear Mr. ****, We received your inquiries submitted through the Better Business Bureau and the Consumer Financial Protection Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding the activity on your account. TCF records indicate that you have filed two claims with TCF concerning unauthorized transactions. On October 14, 2014t you received the provisional credits to your TCF checking account which are allowed during the investigation process. Our records also show that $370.00 in overdraft fees incurred by the unauthorized transactions has been reversed. You also express concern that you are not notified when your account balance becomes overdrawn. In addition to receiving this information each month with your monthly account statement, you may check your balance and transactions online at tcfbank.com, by calling 1-800-TCF-BANK, requesting a mini-statement at a TCF ATM or an account print-out at a neighborhood TCF branch. You many also set up alerts at tcfbank.com to notify you when your account balance, at the end of the previous business day, has fallen below an amount that you specify. To further assist you, we have also enclosed a copy of our brochure, What You Need to Know about Bank Service Charges and Overdrafts. This is a great resource for customers to understand these fees and avoid them. Currently you have elected to have TCF pay overdrafts on your ATM and everyday debit card transactions, checks, electronic transactions, and transfers. Changing these elections may assist you in retaining a positive balance. To change these elections, please visit your local TCF branch, call 1-800-TCF-BANK (**************) or log onto TCF's online banking site. For your convenience these elections are printed on each monthly statement. Mr. ****, we thank you for communicating your concerns and trust we have provided useful information in maintaining your account. We look forward to serving your banking needs in the future. Sincerely, *********. Customer Response Representative Cc: Consumer Response, Consumer Financial Protection Bureau Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2014/10/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) understanding issue what I signed up for okay But issue where my money is or went like to have the past overdraft funds placed back in account when investigation completed and something mailed showing Money's added back to account Final Business Response /* (4000, 9, 2014/10/31) */ October 29, 2014 ******* **** ********************** Minneapolis, MN 55421 Re: BBB case #******** Dear Mr. ****, We received your additional inquiry submitted through the Better Business Bureau and appreciate the opportunity to clarify the activity on your account. On October 14, 2014, you received the provisional credit to your TCF checking account that is allowed during the investigation of the claims you filed with TCF. In addition you received a credit in the amount of $370.00 as reimbursement of the overdraft fees. We have enclosed a transaction print-out from your account which shows these credits. Mr. ****, we value you as a customer and trust this addresses your concern. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 11, 2014/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I just want investigation resolved Money placed back in account

11/10/2014 Delivery Issues
11/4/2014 Advertising/Sales Issues
11/3/2014 Problems with Product/Service
11/3/2014 Advertising/Sales Issues
10/31/2014 Billing/Collection Issues
10/27/2014 Advertising/Sales Issues
10/27/2014 Billing/Collection Issues
10/27/2014 Advertising/Sales Issues
10/24/2014 Delivery Issues
10/24/2014 Problems with Product/Service
10/24/2014 Advertising/Sales Issues
10/24/2014 Advertising/Sales Issues
10/24/2014 Advertising/Sales Issues
10/24/2014 Problems with Product/Service
10/20/2014 Advertising/Sales Issues
10/20/2014 Billing/Collection Issues
10/20/2014 Billing/Collection Issues
10/17/2014 Problems with Product/Service
10/16/2014 Billing/Collection Issues
10/14/2014 Advertising/Sales Issues
10/7/2014 Delivery Issues
10/6/2014 Billing/Collection Issues
10/6/2014 Billing/Collection Issues
10/6/2014 Guarantee/Warranty Issues
10/2/2014 Billing/Collection Issues
10/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I open up a checking account and within no more than two weeks Ive been given a statement that I wrote ten checks. When I open the checking account I did not order or even ask for checks. This week will be my first direct deposit from my job to this Bank TCF and they now have my money. I did not know as soon as you open a checking account money gets stolen before money enters the account. I believe it's a inside job and they are scamming people out of their money.TCF Bank needs to be investigated on **************** Chicago Illinois. 60620. Product_Or_Service: free checking account Account_Number: **********

Desired Settlement: DesiredSettlementID: Refund I think they should refund my money in the amount of $204.00

Business Response: Initial Business Response /* (1000, 11, 2014/09/19) */ September 19, 2014 Ms. ******** ****** ******************* Chicago, IL 60628 BBB Case # ******** Dear Ms. ******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You expressed concern regarding checks transacted on account **********. TCF records indicate that a claim has not been filed with TCF, if you believe unauthorized transactions have occurred on your account, please stop into your local TCF branch for assistance in filing a claim. Ms. ******, thank you taking the time to bring your concerns to our attention. I trust that the information provide will assist you. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

10/2/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: They closed my account, took my remaining balance, and didn't notify me about it. They closed my account, took my remaining balance, and didn't notify me about it.

Desired Settlement: I want them to give my 27$ back.

Business Response: Initial Business Response /* (1000, 6, 2014/09/22) */ September 22, 2014 Mr. *** **** ******************** Lawrenceville, NJ 08648 BBB Case # ******** Dear Mr. ****, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding dormant account fees assessed to your TCF checking account. In your September, 2013 statement (copy enclosed) we provided notification that there had been no activity on your account for 11 months or longer and a $10.00 monthly dormant fee would be assessed if there was not a deposit, transfer or withdrawal before the start of your next statement period. We are sorry that you were unaware of this fee. TCF records indicate that between November, 2013 and December, 2013 you incurred dormant account fees, which depleted the remaining balance. The account was closed on December 24, 2013. While it is not TCF practice to refund fees after an account was closed, we have enclosed an Official Bank Check in the amount of $27.11. Mr. ****, we hope this explains the fees assessed to your account. Sincerely, ********* Customer Response Representative Cc:****************, Operations Manager, Better Business Bureau

9/29/2014 Advertising/Sales Issues
9/29/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My debit card was deactivated and I was not informed. My debit card was declined at a retailer. I called TCF Bank Customer service and spent almost an hour on the phone. At first they could not figure out why it was cancelled. Next, it was determined that my card fell into a batch of cards whose information may have been compromised. I was never informed of this breach of trust. I was informed that when this occurs a new card is automatically sent out. A new card was not sent out because there was an erroneous code on my account stating incorrect address. I was told that I would not be able to receive a new card by mail until I came into one of the branches to request one. I am active duty military and do not reside in a state with a branch. I was then told that I had to send a notarized letter with my account number to a branch. I currently do not have access to my funds and TCF was unwilling to assist me. The representative was rude and stated that all he could do was apologize and have someone else call me to tell me the same thing. A new card should be mailed in accordance to TCF Bank's operating procedure in cases that involve a potential breach of information.

Desired Settlement: I would like a new debit card mailed to me.

Business Response: Initial Business Response /* (1000, 5, 2014/09/18) */ September 18, 2014 Ms. ******** ******* *************** St Charles MO 63301 BBB Case # ******** Dear Ms. *******, We received the inquiry you submitted to the Better Business Bureau and appreciate the opportunity to respond to your concerns. You express concern regarding your TCF VISA Check Card. TCF was notified that a merchant's computer files containing VISA card numbers may have been accessed by an unauthorized party. While several other VISA card issuers were also affected by this data intrusion, your VISA check card was included in this file. TCF takes the safeguarding of customer information very seriously. Because TCF had reason to believe that your card information may have been compromised, the card would be deactivated, which was September 4, 2014. We are sorry for any confusion and inconvenience this may have caused when you did not receive notification due to an incorrect address hold on your account. Further review of our records indicates that the incorrect address hold on the account was removed on September 9, 2014. A new card ending in number **** was ordered on September 17, 2014 and will be sent to the account mailing address of ***********, St Peters MO 63376. Ms. *******, thank you for bringing this matter to our attention. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

9/25/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: When I first opened the account, I was told that there would be no fee for just having the account. So I assumed my account would just remain active as data in a computer file until I needed it. I went to check my account balance on 8/28/2014 and found that my account had been assessed a "dormancy fee" and then closed. When I discussed this with the assistant manager***************, he told me that no bank is required to say anything about a dormancy fee at the opening of an account because it assumed that the account will be used. I feel this is unethical to promote "fee free" checking and then sneak a dormancy fee onto the account if it remains inactive for a certain amount of time. While my particular loss of money for the fee was small, if you spread this out over many customers, the bank will make a lot of "free money" by assessing these types of fees on customers who assume their accounts are fee free. Product_Or_Service: Checking Account Account_Number: **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to refund my $5.69 as a matter of principle. Additionally, I think they should be required to tell future customers about dormancy fees.

Business Response: Initial Business Response /* (1000, 5, 2014/09/09) */ September 9, 2014 Mr. ****** ******* **************************** Ypsilanti, MI 48197 BBB Case # ******** Dear Mr. *******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding fees assessed to your account. In your June, 2014 statement (copy enclosed) we provided notification that there had been no activity on your account for 11 months or longer and a $10.00 monthly dormant fee would be assessed if there was not a deposit, transfer or withdrawal before the start of your next statement period. We are sorry that you were unaware of our notification of this fee. Our records indicate that your balance before these fees were assessed was $5.69. To assist you, we have enclosed an Official Bank check in the amount of $5.69 which represents the balance before the fee was assessed. We apologize that your interaction with our representatives was less than satisfactory. It is our goal to provide service which is efficient, knowledgeable, and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect Mr. *******, thank you for bringing your concern to our attention. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2014/09/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will accept their response when the check comes. They claim to have sent it, but it has been about a week now and I haven't seen it in the mail. Final Business Response /* (4000, 9, 2014/09/24) */ September 24, 2014 Mr. ****** ******* **************************** Ypsilanti, MI 48197 BBB Case # ******** Dear Mr. *******, Your additional information filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. Our records indicate that TCF Official Bank Check # ********* in the amount of $5.69 was transacted on September 17, 2014. Mr. *******, we thank you for the opportunity to resolve your concerns. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

9/23/2014 Billing/Collection Issues
9/19/2014 Delivery Issues
9/18/2014 Problems with Product/Service
9/16/2014 Problems with Product/Service
9/9/2014 Problems with Product/Service
9/9/2014 Billing/Collection Issues
9/8/2014 Delivery Issues
9/8/2014 Advertising/Sales Issues
9/5/2014 Advertising/Sales Issues
9/5/2014 Billing/Collection Issues
9/5/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Tcf charged me 240.00 in fees w/out sending me any statements or emails to let me know they were charging fees. They refuse to give me my money back. I had 240.00 in my bank account. When I went into the branch to withdrawl money I was told that the account was closed (without my authorization) and that the 240.00 that I had in there had all gone to fees. I had never received any statements from tcf to let me know that they were taking out fees from my account, nor did I receive any emails or phone calls to let me know they were closing my account. If I had been receiving statements or emails to know that I was being charged fees, I would not have let it continue to the point where it made my balance 0. When I called customer service today to explain this, the man laughed and told me he would open my account back up and put $20.00 in it, I did not accept this.

Desired Settlement: I would like the 240.00 that I had in my account back.

Business Response: Initial Business Response /* (1000, 5, 2014/08/22) */ August 22, 2014 Ms. ******* ******** *** ******** **** ********* ** XXXXX BBB Case# XXXXXXXX Dear Ms. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding fees assessed to your account. In your February 14, 2013 statement (copy enclosed) we provided notification that there had been no activity on your account for 11 months or longer and a $10.00 monthly dormant fee would be assessed if there was not a deposit, transfer or withdrawal before the start of your next statement period. TCF records indicate you were enrolled in online statements. We are sorry that you were unaware of our notification of this fee. Our records further indicate that you're balance before these fees were assessed was $132.49. Between March 2013 and April 2014 you incurred $132.49 in Dormant Fees. To assist you, we have enclosed an Official Bank check in the amount of $132.49 which represents the balance before the fees were assessed. We apologize that your interaction with our representatives was less than satisfactory. It is our goal to provide ******* which is efficient, knowledgeable, and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of ******* that our customers expect Ms. ********, thank you for bringing your concern to our attention. Sincerely, ***** ** ******** Response Representative Cc: ******* *******, ********** ******** Better Business Bureau

8/24/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Been trying for 5 1/2 years to get TCF Bank to read my mortgage document and charge me per the signed document. I've been extremely overcharged. Refinanced my mortgage in Nov 2008. Mortgage was for $102k and the monthly amount that I agreed to have deducted from my checking acct with them was $630.69. Since the 1st withdrawal from my checking account when a higher amount was deducted, I've been trying to get TCF Bank to correct it. I've also noticed that they put my loan in their system as being $103,020 instead of $102k. So I've been overcharged on interest too. I started talking with *****, the rep from TCF Bank in Racine, WI that gave me the loan. He was working on it. Then heard he was fired. Then I started again with ***, he was working on it and later heard that he was fired. Then they had no one. Finally I got ******, she too acknowledged that it's wrong and was working on it. Then she disappears! Then back to no one able to assist me. Then about 2 years ago, *********** was there. He was going to work on it but no progress. So in April 2014, when TCF started to announce that they want customer feedback, I went to their website and told them about this. Then I received a letter from them at the end of April telling me that it's correct, so I called the lady on the letter and pointed out the loan amount "oh yeah, there's a problem" then I pointed out the monthly loan amount and again "oh yeah, there's a problem". She got me back in touch with *********** and he's been the middle man passing my e-mails onto another department and then passing their e-mails onto me. It's now July 16, 2014 (approx 90 days later since I wrote on their website) and it's still screwed up. I've been overcharged interest on money that I didn't even borrow plus had extra unauthorized money taken from me since 2008. I was also denied the ability to refinance because of this screw up. I don't know what else to do with these knuckleheads that acknowledge that there's a problem but don't know how to correct it.

Desired Settlement: Since it's made my home a frustrating place to live as a first time homeowner, just knowing that I've been screwed on my mortgage payments for the past 5 1/2 years and have had the opportunity to better myself through a refinance ripped away from me. They can have the house and cancel the mortgage without any negative damages against me. I've kept up my end of the agreement and have continuously tried to work through their screw up but have lost my patience. It just kills me that they have all acknowledged that it's really messed up but no one does anything. I'm sick of feeling stuck in a house that constantly reminds me that I'm being screwed by TCF Bank. This nightmare has got to end.

Business Response: Initial Business Response /* (1000, 7, 2014/07/28) */ Your complaint filed with the Better Business Bureau has been forward to me and I am happy to respond. In October 2008, you took out a loan with TCF Bank and at that time we were charging a 1% origination fee. At the time the note was signed it did not reflect the origination fee in error but was set up correctly in our loan system. A corrected note was sent to you for your signature but it was never signed and returned to TCF. You stated the payment amount for your ACH is incorrect and that you are being overcharged. You do not believe you should sign the corrected note including the point and the higher payment amount even though the first note was signed in error. I agreed to waive the point and adjusted your payment down from $638.00 to $631.69 as the note copy states. We also sent you a check for the overages in the amount of $422.77 on 7/9/14. This overage was being applied as principal every month, so no additional interest charges were incurred. You also stated in your complaint that you lost the opportunity to refinance because of this. I have left a message and as of yet have not heard from you. Again we apologize for any inconvenience you may have been caused. Sincerely, **************** Vice President Retail Lending Initial Consumer Rebuttal /* (3000, 9, 2014/07/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I never received a phone call to discuss this with the guy responding. The 1% wasn't supposed to be charged to begin with, it was waived. So I've. Paid interest on that amount. The two things that TCF has done was refund all of the extra unauthorized payments that they took from me and reduced the principal by the origination charge. The interest has yet to be corrected (meaning all of the interest charged on the higher loan amount and with the extra unauthorized money that they took from me) .The correct balance should be approx $90k instead of the higher amount TCF is shortening (even the local TCF mortgage guy agrees that it's still wrong). Had TCF not screwed this up, I could have refinanced a couple years ago when the rates were lower.Again, thanks for messing up that opportunity for me and making me pay higher amounts. Final Business Response /* (1000, 13, 2014/08/12) */ August 8, 2014 RE: Case # ******** Dear Ms. *****, Your rebuttal filed with the Better Business Bureau has been forward to me and I am happy to respond. On August 8th when we spoke, you acknowledged that you received the check for the overpayments and that it was applied to your principal balance and the payment was adjusted. You requested a new amortization schedule and I offered to order a payment history of your loan and meet with you to review it. You preferred that I mail it so I have enclosed it for your review. Please feel free to contact me directly should you have any questions. I can be reach at ************ Sincerely, **************** Vice President Retail Lending

8/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: thank you very much I filed a complaint June 9th 2014 for TCF to investigate about transactions on my acct an I sent 2 letters were denied the said that no error occurred and TCF is unable to pay the claim because transactions occurred in my location residence ,I did not make any of the transactions I would never waste my time and TCF time I did ,I would like for you to try to solve this issue,and I did make a police report.my file number for tcf is file # ****** please get in contact with them , Thank you ,*************** email is ,,,*********@comcast.net

Desired Settlement: settlement ,About $480.00 pleases try to assist me in this settlement matter...I will be waiting for a response ASAP

Business Response: Initial Business Response /* (1000, 7, 2014/08/18) */ August 15, 2014 Salvador ****** ***************** Berwyn IL 60402 Re: BBB case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You express concern regarding the resolution of your claims filed with TCF. TCF records indicate that claims, ****** and ****** were denied initially because the transactions in dispute appear consistent with your normal pattern of activity, and they were made using your card and personal identification number ( PIN), which you stated were in your possession. In our consideration of your concerns about these claims and because we value you as a customer, we have paid the total of your claims in the amount of $280.04 (one claim in the amount of $267.52 and one in the amount of $12.52) and the $185.00 incurred because of the disputed transactions. These transactions will appear as credits on your next statement. We realize that you have been issued new TCF check cards. We strongly advise you and joint account holder, Ms. ***** ******, to change your personal identification numbers (PINs) and going forward carefully safeguard this information. Mr. ******, we appreciate your long-standing relationship with TCF and trust this resolves your concerns. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

8/19/2014 Advertising/Sales Issues
8/11/2014 Problems with Product/Service
8/8/2014 Billing/Collection Issues
8/8/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: PRACTICING REORDERING TO CHARGE ADDITIONAL OVERDRAFT FEE'S. MY ACCOUNT WENT INTO A NEGATIVE BALANCE DUE TO AN AUTOMATIC BILL PAYMENT. WHEN I BECAME AWARE OF THE OVERDRAFT I DEPOSITED MONEY TO COVER THE DRAFT. MY DEPOSIT WAS MADE AFTER 2PM, THEREFORE I WAS EXPECTING AN OVERDRAFT FEE WHICH I DID OCCUR. I MADE SEVERAL OTHER PURCHASES WHICH I HAD MONEY IN MY ACCOUNT TO COVER. ON 7/20/14 I MADE A OVERDRAFT ON MY ACCOUNT IN THE AMOUNT OF $300.00. I WAS FULLY AWARE THAT I WOULD RECEIVE AN ADDITIONAL OVERDRAFT FEE. WHEN I WENT TO CHECK MY ONLINE ACCOUNT ON 7/21/2014 I WAS CHARGED TWO OVERDRAFT FEE'S WHICH I WAS FULLY AWARE OF. ON 7/22/14 I CHECKED MY ACCOUNT AGAIN AND LOW AND BEHOLD I WAS CHARGED A TOTAL OF 5 OVERDRAFT FEES! IT APPEARS THAT THE PURCHASES THAT I MADE WHEN MY ACCOUNT WAS POSITIVE WAS (WHAT I NOW LEARNED)REORDERED WHICH IS THE PRACTICE OF PROCESSING TRANSACTIONS NOT AT THE TIME THEY OCCUR, BUT FROM LARGEST TO SMALLEST, THEREFORE MY ACCOUNT GOES INTO OVERDRAFT AND INCURS A FEE FOR SMALL TRANSACTION,. WAS EVEN CHARGED A FEE FOR A 2.50 AND 5.00 TRANSACTION (WHICH WAS MADE WHEN MY ACCOUNT HAD A POSITIVE BALANCE). TCF IS ROBBING CONSUMERS AND THIS NEEDS TO STOP!

Desired Settlement: I WOULD LIKE 3 OF THE 5 OVERDRAFT FEE'S REVERSED. I SHOULD ONLY RECEIVED 2 FEE'S TO BEGIN WITH. I KNOW THEIR IN THE BUSINESS TO MAKE MONEY, BUT NOT BY REORDERING AND ROBBING CONSUMERS. I WOULD LIKE THIS PRACTICE TO STOP IMMEDIATLY, AND FOR THEIR CUSTOMER SERVICE TO ACTUALLY SERVICE.

Business Response: Initial Business Response /* (1000, 5, 2014/07/28) */ July 28, 2014 Ms. ******** **** ******************* Chicago IL 60643 BBB Case # ******** Dear Ms. ****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You express concern that your account incurred overdraft fees when there were sufficient funds in the account. In our previous correspondence to you dated March 31, 2014, we explained that your account may incur an overdraft fee for any transaction that exceeds the available balance at the time it is processed. In arriving at the available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. TCF records indicate that between July 18, 2014 and July 22, 2014 you incurred $185.00 in overdraft fees. To assist you we have reversed $93.00 of these fees. You also express concern over the way that TCF processes transactions on your account. We generally processes check card transactions based on date and time order as that information is passed through to TCF. Check transactions are posted in low-to-high order, based on the check number. TCF generally does not "reorder" transactions from high-to-low. Ms. ****, hopefully this information will assist you in managing your account. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

8/6/2014 Advertising/Sales Issues
8/6/2014 Advertising/Sales Issues
8/4/2014 Problems with Product/Service
8/4/2014 Advertising/Sales Issues
8/4/2014 Problems with Product/Service
8/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got overdraft charges when money was deposited in the bank prior and some of the dates of the charges made were changed online. In less than 3 days, I have been charged $296.00 worth of overdraft charges. I can accept the first batch of $111 because those are legitimate. The $185 can't be legit and the reason why I say this is that I know for a fact that there was money in the account when those transactions were made. I watched these transaction stay in "pending" status and then suddenly, after a few days; they released with perfect timing to create more overdraft fees in conjunction to the first batch. While I watched these charges in their "pending" status, I took note of their date. When the transactions released, that date changed to make it look as if they came out before any deposit was made... I'm not sure what's going on here, but I think after this incident; I'm going to only hold money in this account to write checks. And leave it empty until I need it again.

Desired Settlement: I only seek a return of the $185 that I know isn't correct. ************** **********

Business Response: Initial Business Response /* (1000, 5, 2014/07/24) */ July 24, 2014 Mr. ************** Basement ******************* Chicago, Illinois 60626 Re: BBB Case # ******** Dear Mr. *******, Your additional inquiry filed with the Better Business Bureau has been forwarded to TCF for response. You express concern regarding the manner in which your transactions are processed and the overdrafts on your account. Our records show that we have, on several occasions, assisted you with fee reversals. We have explained to you how overdraft fees are assessed to your account and provided you with materials that would help you better understand your account and help you avoid additional overdraft fees. Due to our previous assistance, and because no bank error has occurred, we are unable to reverse any fees. Enclosed are your recent overdraft notices, which show how your balance was affected by each transaction on the days your account experienced insufficient funds activity. Also enclosed is our What You Need to Know about Bank Service Charges & Overdrafts notice, which provides information on how you may avoid overdraft fees. You express further concern that the transaction dates change when viewing your activity in online bankhttp://192.168.1.250/ebindr/images/icons16x/redact-multi.pnging. Debit card transactions may take several days to post to your account. TCF's online banking website explains, "For checking and savings accounts, transactions are updated during TCF's nightly processing. Therefore, all your transactions may not be shown and the balance shown may not be fully available for immediate withdrawal. Debit card authorizations and pending withdrawals and transfers reduce the amount available for immediate withdrawal. Check deposits and other pending deposits may not all be included in the amount available for immediate withdrawal. All pending transactions may not be shown. Transactions may not be posted to your account in the order shown." Mr. *******, I trust that I have provided you with useful information that will assist you in managing your account. Sincerely, Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

8/1/2014 Problems with Product/Service
7/21/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Horrible short-sale help I would NEVER recommend TCF Bank to anyone for any services at all. EVER. I have a second mortgage through them, and because of the HOA I cannot rent my house out anymore. Since I have no income from the house now I can't pay the mortgages. Other people have had 2nd mortgages through other banks/companies and have not had to pay a single penny when their house went through short-sale. TCF bank is being absolutely ridiculous at collecting everything. Why do you think I have to do this in the first place? Because I can't afford to make the payments because I don't have any income!!! I have to borrow money from other sources so now I have to still pay TCF Bank back and the other source, which causes my monthly payments to go up even more! I would have been just fine leaving the whole balance with TCF and paying it off, but they are being stupid about the whole thing and making this customer irate.

Desired Settlement: I would love it if I could just keep the whole 2nd mortgage balance through them. I can set up a payment plan to pay it off in about 3-5 years. If that's not possible I would have to figure something else out because I will have to pay off the other money borrowed as well.

Business Response: Initial Business Response /* (1000, 7, 2014/07/07) */ The following response letter was sent to the customer: Your inquiry to the Better Business Bureau has been forwarded to TCF for response. Thank you for taking the time to express your concerns. According to our records, TCF has approved your short sale in exchange for repayment of 75.68% of the debt you owed. Ms. *****, I am pleased that we were able to come to a solution agreeable to both parties. Thank you for giving us this opportunity to serve you. If you have questions, please do not hesitate to contact me. Sincerely, *************** Senior Vice President Director of Collections & Loss Mitigation (612) ********

7/21/2014 Advertising/Sales Issues
7/21/2014 Problems with Product/Service
7/17/2014 Advertising/Sales Issues
7/14/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Do Not Bank with! They do NOT care about you. No moral compass. Overdrawn $26.33 and facing $37.50 (times FIVE!!)in overdrat charges despite efforts I've had some serious problems with this bank before. Myself and quite literally Everyone I know. Family, friends, and coworkers. The straw that broke the camels back was an evening when I'd checked my account activity (I do so twice daily cause they don't do the whole alerts thing or any of that). I noticed I was overdrawn $26.32. My stomach sank. I wasn't able to get off work till 7:30 pm (I'd been caught in the midst of STELLAR day which included being rear ended, with my boss driving, tire blow out, and the prison we work at-going on lockdown). Nonetheless I immediately rushed to a branch to deposit the necessary funds so as to not incur the $37 overdraft fee. Foolish me-no banks, not even the ones located inside of stores are open until 9pm anymore. I called customer service to see if I could deposit funds FIRST thing in morning to avoid such charges. I was informed that if I could; Find someone with a tcf account (that has online banking) Deposit or transfer funds before 10:30 pm that I could avoid such fees. Well that's not easy when everyone I know has done away with this bank. Oh, he DID mention that I'd be facing TWO overdraft fees. One for each item. Bringing the total almost $80 for going over $26. But alas! I discovered my mother still banks with them. She didn't have online banking but easy to set up online. EXCEPT, she didn't have a pin number. Not a problem, call up customer service one more time, explain situation, give all necessary information so they can give guidance.....Only way she could get one would be if she went into a branch to get an ATM card..... Great. I get put on hold for 15 minutes. This customer service rep actually seemed to try to fight for me. It was all in vain however. She informed me I would've had to deposit funds by 5 pm. She tried talking to a manager/supervisor and all I could do is beat it to bank first thing in morning and deposit necessary funds and hope the fees haven't been charged or processed. Oh and I was facing SEVEN overdraft fees. Yes, that's correct-SEVEN. But "it's ok cause they can only.charge 5 per day".... I asked this poor girl if I had it right. That I'd be getting charged almost $200 for going $26 over AND literally doing everything in power to right the wrong-she said "yes". She also expressed how sorry she was and wished there was something she could do. She seemed sincere. Now I've had this problem before. Obscene overdraft fees for SMALL amounts. But hey-it IS my mistake. But I don't know HOW these people have been given "4 out 5 stars" for customer satisfaction and service. The only time I've ever gotten service or the issue taken care of-was when I posted on this. THEN my matter was seemingly easily resolved but not without pointing out the clauses in the contract I'd signed with them. Needless to say-I don't see this getting resolved again. And I can't say I'm surprised. Because these people, this bank-Does NOT care about you. They don't, plain and simple. Unless you've millions or alot of money-they don't care about the everyday, getting by kind of person. How come the issue can and has been looked at before, met with "yeah, that's a bit much. Kind of 'beating on the little guy when he's down'" and even had an overdraft fee waived over a couple dollars (this has only happened ONCE). Yet it shows it IS possible. So I'll repeat; Do Not Bank With TCF! Their customer service people Sometimes may care or try but they'll clearly limited to what they're allowed to do. They don't care about you. They don't care, see, or even think charging 5, 6, or TEN times the more than what you'd overdrawn. They're not about actually taking care of you. It's all about what they can do, get away with, charge, and get from you. Falling back on "well this is how it is. What you signed for, etc". Pretty much-what and why people have disdain for ban

Desired Settlement: If possible-NO overdraft fees I would've faced seeing as I'd literally done everything in my power to balance it out and right the wrong. MAYBE you guys should RETHINK how you do that. I know thats probably asking for a revolution. However if you've Any hope attracting customers, Let Alone-KEEPING them; you may want to think outside the box and do what others ARE and are not. Though I'm sure I'll be met with "you should know when you signed with us; that we pretty much don't care. If you read the peramters of the forms you signed with us-this is how we do business". Maybe give you customer service the power to do these things. To where this isn't the only way things have even a chance to getting resolved. Maybe ask yourself; "is charging somebody THAT much THAT many times really helping them? Is it morally right? Are we displaying ANY sense of care to the customer? Or are we just hiding behind the paperwork (like a bank), lining our pockets, and justifying it with 'should read the paperwork' or 'maybe do better at balancing'" Instead of having a sense of wanting someone to succeed, having a sense of understanding?

Business Response: Initial Business Response /* (1000, 6, 2014/06/27) */ June 25, 2014 ******* ***** **************** Chicago IL 60631-1714 Re: BBB case ******** Dear Mr. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. It is our goal to provide service which is efficient, knowledgeable, and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concerns. You express concern regarding overdraft fees incurred on your account. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example on June 9, 2014 at the beginning of TCF's nightly processing, your account balance was $106.56. A deposit of $136.20 made that day, increased the available balance to $242.76. A pending transaction in the amount of $29.95 to Membership Discounts 87 reduced the available balance to $212.81. Two transactions posted that night, an ATM withdrawal in the amount of $183.00 and a purchase in the amount of $6.00 to Ventra Vending 068. These transactions reduced the available balance to $23.81, so that when a $40.00 ATM withdrawal was made, your balance became overdrawn. We have enclosed your special handling notices for your review of this process. TCF records indicate that between June 9, 2014 and June 25, 2014, transactions were presented for payment when there were insufficient available funds resulting in $185.00 in overdraft fees. TCF has reversed $37.00 of these fees. Because we value you as a customer, we have reversed an additional $111.00 in fees. As stated in our response to your 2013 Better Business Bureau inquiry, we offer the "Choice Checking" account, which has a daily overdraft fee structure instead of the per item structure. We have enclosed a copy of our Services and Prices brochure, which contains account descriptions. TCF's online banking site offers customers the option of establishing email or text alerts when your account balance falls below the thresh hold you select. If you would like assistance with establishing alerts, please call ************** and follow the prompts to our online banking specialists. Mr. *****, we thank you for banking with TCF and trust this address your concern. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

7/7/2014 Problems with Product/Service
7/7/2014 Billing/Collection Issues
6/27/2014 Advertising/Sales Issues
6/27/2014 Advertising/Sales Issues
6/25/2014 Advertising/Sales Issues
6/24/2014 Advertising/Sales Issues
6/16/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: march 23, 2014 me and my wife deposited a 500 dollar check from ramsey county social services, then brought the kids out to eat and went other places. when we were finished that day we had according to the bank 91 dollars left. my wife then went to the casino march 27, 2014 with the 91 dollars that we had came back over overdrawn in our account by $840-$870 we understand we over drew that much but what we did not over draw was the activities posted for the march 27, 2014. which we did go to the casino that day drew out $305 which is what brought us to $91. after my wife over drew the account the $500 check we deposited on march 23, 2014 had disappeared and was overdrawn over $1,450. which by my calculation just adding in all the transaction from the time we deposited that money was the activities we did on march 27, 2014. my wife at the casino on march 28, 2014 only made 6 transaction 3 at the atm and 3 at the cash advance. a total of 6 but according to the bank they are saying 8 transaction they are including the 2 transaction on the 27 that was still in good standing on outstanding charges. which is where they get the 2 extra charges from. now i have called up the back walked in and tried to get this issue resolved. and yet they wont admit their mistake and reverse 2 charges.march 28, 2014 i had deposited 150 into the bank to cover some of the overdraft fee's but yet they still didn't they only used that for payment to pay the casino which was actually in good standing not used for over charges. and then march 29, 2014 i deposited $300 to cover more of the overdrafts that are supposed to be withdrawn at midnight but still being charged for the 8 overdrafts. we have admitted our mistake and we are trying to pay it back. with the $500 check i deposited on march 23, 2014 i only spent $445.35.my wife came back home from the casino owing the bank $944. Account_Number: **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) what i want done is for them to looked this over thoroughly and apply the $450 i have deposited from march 28, 2014 - march 29, 2014 correctly leaving us with only 4 overdraft fees left to take care of on march 30, 2014 because i get paid and i don't think i should have to fork over an additional $148 for something that is not my fault.

Business Response: Initial Business Response /* (1000, 5, 2014/06/05) */ June 5, 2014 Mr. ************ ******** ******************** St Paul MN 55109 BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern. You express concern regarding the overdraft fees assessed to your account. While your inquiry references activity in March, by reviewing your account history, we believe your inquiry is actually referring to transactions in May, so we will address the May timeframe. TCF records indicate that a deposit in the amount of $500.00 was credited to your account on May 28, 2014 which appears to have been delayed due to a processing error. When transactions were processed to your account on May 27, 2014 you received notice that the account incurred $185.00 in overdraft fees; however, when you changed your overdraft election on May 28, 2014, the fees were waived. Further review of your account indicates that on May 29, 2014 you incurred $111.00 in overdraft fees. TCF already reversed $59.00 of these fees. Because you are a valued customer, we have reversed the remaining $52.00 in overdraft fees. To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. Mr. ********, thank you for bringing this matter to our attention. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

6/16/2014 Problems with Product/Service
6/13/2014 Problems with Product/Service
6/12/2014 Advertising/Sales Issues
6/11/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Checking Account #********** was charged $37.00 NSF on 5/14/2014 when my checking account was not negative. 5/22/2014 another $37.00 - acct not neg Checking Account #********** was charged $37.00 NSF fees when my account was not negative!!

Desired Settlement: Refund!! of NSF fees when my checking account was not negative

Business Response: Initial Business Response /* (1000, 5, 2014/06/02) */ June 2, 2014 Ms. ***** ***** ************************ Naperville, IL 60564 Re: BBB Case # ******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the overdraft fees that were recently assessed to your account. Although you state that your account was not negative when you were assessed the overdraft fees, the enclosed overdraft notices show that you had insufficient available funds on the days your account experienced insufficient funds activity. It is important to remember that funds from your pending debit card transactions have been committed and are no longer available to you. As such, these funds are immediately deducted from your available balance as soon as the transaction is authorized. As previously communicated to you, your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future overdraft fees, and you may do so at any time by visiting your local branch or by calling **************. For your review, we have enclosed our What You Need to Know about Bank Service Charges and Overdrafts notice. This notice explains how overdraft fees are assessed, how you may avoid them, and how your transactions affect your available balance. Due to our previous assistance with fee reversals, we will not reverse additional overdraft fees that are not the result of bank error, and we have determined that no bank error has occurred on your account. While we make every effort to help our customers avoid fees whenever possible, it is the customer's responsibility to ensure that there are sufficient funds in their accounts prior to authorizing debit transactions. It is TCF's goal to ensure that our customers have the tools necessary for achieving financial success. Because we believe that financial education is likely to increase savings, use of banking services, and improve upon a customer's overall financial health, TCF offers a free, online financial education program that covers a variety of important topics. TCF employees participate in this same online program, which teaches financial concepts through a multimedia learning experience using video, animations, 3-D gaming, and exercises. You can register at TCFlearning.com and complete the course at your own pace. Our hope is that this program will assist customers in increasing their financial awareness. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

6/9/2014 Delivery Issues | Read Complaint Details
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Complaint: I deposited a check that I had received from my attorney; ***********************************, in the amount of; 6464.77, ck 2621. The check was drawn from the ********** Peaks Bank of Denver. My Bank, TCF bank in Lakewood, CO, received a deposit of the check from me on the 14th. TCF put a hold on my account to wait for the check to clear. Not only did they hold the rest of the check, but they withheld my direct deposit from my part time job, and money I had received from refunds to my account. I called them several times and they kept telling me that because my check would not clear when they first presented it, they had to hold onto the check until it did. I called *********** Bank and spoke to the president of the bank who told me the check had cleared on the 15th of May and that TCF had the funds. In my past dealings with TCF, I have found that they like to hold on to funds that are not theirs so they can gain interest on those funds while they are being held. I am really tired of TCF bank and the dishonest and unethical ways they treat their customers. Account_Number: **********

Desired Settlement: DesiredSettlementID: Not applicable Deposit my money when it comes in from now on and don't lie and tell me the check was presented as NSF. They also hold on to my SSDI deposits every month for the same reason. I know this because I have another back account and my direct deposits are always credited to my account before TCG credits my account. TCF lies when they said they credit my deposit when they receive it.

Business Response: Initial Business Response /* (1000, 5, 2014/05/29) */ May 28, 2014 Ms. ***** *********** *************** ************************** Lakewood, Colorado 80228 Re: BBB Case # ******** Dear Ms. ***********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding an extended hold placed on your recent deposit. Our records show that, on May 14, 2014, you deposited a check for $6,464.77 into your checking account. On May 15, 2014, TCF placed an extended hold on this deposit, which expired on May 20, 2014. TCF's terms and conditions explain that funds from a check deposit may be delayed for a longer period under certain circumstances. In your case, the hold was placed on your May 14, 2014 deposit because you have overdrawn your account repeatedly in the last six months. A notice regarding this hold was sent to you on May 15, 2014 (see enclosed). For more information regarding deposit holds, please review our terms and conditions, which can be found by visiting tcfbank.com. You express additional concern regarding the availability of your direct deposits. As previously communicated to you, TCF does not hold funds from your direct deposits. TCF receives these funds on the effective date, which is established by the depositor. The funds are made available to you on the same day as the effective day. We have enclosed a copy of our previous correspondence which further explains how your direct deposits are processed. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

6/5/2014 Billing/Collection Issues
6/2/2014 Advertising/Sales Issues
5/28/2014 Problems with Product/Service
5/27/2014 Advertising/Sales Issues
5/26/2014 Problems with Product/Service
5/26/2014 Billing/Collection Issues
5/23/2014 Problems with Product/Service
5/23/2014 Problems with Product/Service
5/21/2014 Guarantee/Warranty Issues
5/20/2014 Problems with Product/Service
5/20/2014 Advertising/Sales Issues
5/15/2014 Advertising/Sales Issues
5/12/2014 Delivery Issues
5/12/2014 Advertising/Sales Issues
5/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was charged 3 overdraft fees totaling $111 due to TCF not honoring their own policy and TCF changing the order of my debits to charge more in fees TCF,s check policy has been explained to me by tellers who said a check deposit made by me enabled me to use $100.00 right away. Instead of following that policy, they held the check and reorganized my debits in such a way that they could charge me for the maximum amount of overdraft fees. The customer service rep that I spoke to told me that $15.00 could be reversed and I told her that was not acceptable.

Desired Settlement: $111.00 refunded into my account.

Business Response: Initial Business Response /* (1000, 5, 2014/05/01) */ May 1, 2014 Ms. **** ********* Apartment 1 ***************** Elgin, Illinois 60123 Re: BBB Case # ******** Dear Ms. *********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the manner in which TCF processes your transactions and your recent overdraft activity. Our records show that, on April 15, 2014, you made a $50 check deposit at 5:49pm. This was after the 2pm cutoff time, and your funds were considered deposited on the following business day. This is outlined in our terms and conditions which are provided to our customers when they open their account. We have enclosed your recent overdraft notices which show how each of your transactions affected your available balance on each day that your account experienced insufficient funds activity. Funds from your pending debit card transactions are committed as soon as the transaction is authorized. As such, these funds are no longer available to you. A thorough review of your account does not indicate any deviation from TCF's standard posting order. For more information on TCF's posting order, please refer to our terms and conditions. An additional copy of this document is easily accessible on tcfbank.com. Between April 16, 2014 and April 17, 2014, your account was assessed $111 in overdraft fees. To assist you, we have reversed these fees. Ms. *********, I trust that I have clearly explained TCF's policies as they relate to your concerns. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

5/5/2014 Advertising/Sales Issues
5/5/2014 Advertising/Sales Issues
5/5/2014 Billing/Collection Issues
5/1/2014 Problems with Product/Service
4/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I canceled my check card because of suspected fraudulent use. I ordered a new check card via U.S. mail and payed $9.99 for expedited delivery. On April 2nd, 2014 I canceled my check card because I suspected someone had gotten my card information and used it fraudulently. I did this over the phone with a customer service representative. He explained to me that a new check card would be delivered in 7-10 business days. I expressed frustration about the lengthy wait time and was explained that there were different options and fees for expedited delivery of my new check card. I then agreed to pay $9.99 for expedited service which would take only 2-5 business days. While business days for most banks means Monday-Friday, TCF Bank advertises service 7 days a week. Taking that into account my card would have exceeded the 2-5 day window by 3 days (considering it is 9 pm central time an the card will not be delivered tonight. Even if we excluded the weekend as business days, the 2-5 day window was passed today on April 9th, 2014. I have had an inordinate amount of problems with TCF Bank during my 3 year relationship with it and am very unsatified by its services.

Desired Settlement: I would like to be reimbursed for my $9.99 charge for expedited service in the least.

Business Response: Initial Business Response /* (1000, 5, 2014/04/17) */ April 17, 2014 Mr. ****** ******* ******************* Chicago, IL 60642 Re: BBB Case #******** Dear Mr. *******, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with the replacement process of your TCF Bank Card and appreciate the opportunity to respond to your concerns. TCF believes that service is the most important component of a good banking relationship and feels that customer satisfaction when replacing a card is part of that service expectation. We apologize if you do not feel this was the case when requesting a replacement card. Although it is not pleasant to hear of instances where our service was less than satisfactory, your feedback is valuable in determining areas that may be improved. Review of your account shows that a TCF representative from our Paulina/Milwaukee TCF branch has placed a new card order for your account on April 15, 2014. We have also confirmed with our card vendor that this new card was mailed on April 16, 2014. Further review of your account shows that you were assessed two $9.95 expedited card delivery fees. One of these fees was reversed on April 15, 2014. Due to the circumstances, we have reversed the remaining $9.95 expedited card delivery fee. You will see this credit on your next statement. Mr. *******, we value your relationship with TCF and apologize for any inconvenience this issue may have caused you. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

4/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Employee misrepresented when deposited funds would be available On the 23rd of April I made a $1000 deposit to my savings account at this branch, at that time I specifically asked if the funds would be available on the 26th and was told that they would be. I attempted to access the funds on the 26th and was told they were not available and would be available on Monday. I spoke to the manager and was told "Sorry" and that the employee gave me the wrong information and there was nothing they could do about it. I returned home and called the banks "customer service" department and was told that their terms and conditions spell out funds availability and that they would release some of the funds but not all. My reason for needing all the funds is that my car was being repaired and that was why the money was needed, so that I could pay for the repair. They are ow telling me that I cannot access the money until Wednesday. If I had not specifically asked if the money would be available I would haave to take the responsibility for this myself, but the bank employee told me it would be useable today so based on this assurance I made the decision to have the repairs completed. My car is now at the repair shop and I cannot get it back, this is causing major disruption to my life that should not be happening and would not be happening if the employee had not misrepresented the truth.

Desired Settlement: I would like access to my money

4/28/2014 Problems with Product/Service
4/28/2014 Delivery Issues
4/28/2014 Problems with Product/Service | Read Complaint Details
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Complaint: 4/3 purchases $1.75, $18.42, $1.71 & $2.14. 4/4 charge $60. TCF moves largest charge to 4/4 ahead of 4 other smaller to 4/7 for NSF fees I am unsure how you figure to prioritize at my expense. I see how you move transactions around out of order so you can charge excessive amounts for your NSF fees. My purchases are out of date order and that was without my permission. My last purchse was bumped infront of smaller amounts to help you profit. your discretion is wrong on a lot of ethical practices. You should be required to keep my purchases in order as you point out it is my duty to keep track.

Desired Settlement: what law says you can profit from people by moving charges around to your benefit?

Business Response: Initial Business Response /* (1000, 5, 2014/04/16) */ April 16, 2014 ***** ******** ********************* Saint Paul MN 55107-2251 Re: BBB case #******** Dear Ms. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You express concern that your account incurred an overdraft fee when there were sufficient funds in the account to cover the transaction. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. For example, on April 4, 2014 your available balance at the beginning of nightly account processing was $93.87. Four pending check card transactions - one in the amount of $2.14 to Overlook Coffee, one in the amount of $1.71 to Overlook Coffee, one in the amount of $1.75 to MT TVM Store St Paul, and one in the amount of $15.42 reduced the available balance to $72.85. Three transactions then posted that night ($22.00 to Trans Mgmt Taxi, $22.45 to Ruam MIT Thai and $60.00 to Weddingpages) resulting in a balance of -$68.60. We have enclosed Special Handling Notices for your review. TCF records indicate that between April 4, 2014 and April 8, 2014 transactions were presented for payment when there were insufficient available funds, which resulted in $185.00 in overdraft fees. Because you are a valued customer, we have reversed these fees. This transaction will appear as a credit on your next statement. Also for your review, we have enclosed our brochure, What You Need to Know about Bank Service Charges & Overdrafts. This brochure explains how overdraft fees are assessed and is also a great resource to assist customers with avoiding or reducing service fees. You also express concern over date and time processing order at TCF. TCF generally processes check card transactions based on date and time order as that information is passed through to TCF. Check transactions are posted in low-to-high order, based on the check number. TCF generally does not "reorder" transactions from high-to-low. We have enclosed a copy of the relevant provision from your account agreement regarding this matter. Ms. ********, we thank you for banking with TCF and trust that we have provided useful information in maintaining your account. We look forward to serving your banking needs in the future. Sincerely, ********* Customer Response Representative Cc: ******************, Senior Mediation Coordinator, Better Business Bureau

4/25/2014 Advertising/Sales Issues
4/25/2014 Problems with Product/Service
4/24/2014 Problems with Product/Service
4/21/2014 Billing/Collection Issues
4/21/2014 Advertising/Sales Issues
4/21/2014 Problems with Product/Service
4/21/2014 Advertising/Sales Issues
4/21/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: TCF bank closed my savings account without mailing, e-mailing, text or calling me for notification. I have receive my money back. TCF bank closed my savings account without mailing, e-mailing, text or calling me for notification. I was NEVER notifly of the closure, and the bank mailed a check that I NEVER RECEIVED. I called there customer service numerous times, and all the reps told me that the check was mailed on the 27 of last month, to this date I still haven't received my money from my closed savings account. The customer service is horrible, customer relations is appaulling. Please help me recieve help me get my money back!!!

Desired Settlement: I wish to go into one of the main bank locations and pick up my money

Business Response: Initial Business Response /* (1000, 6, 2014/04/16) */ April 16, 2014 Ms. **** ***** ************************ Chicago IL 60626 BBB Case # ******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern regarding an account closure. Based on my conversation with Branch Manager ***************, I understand that he has been able to resolve the issue to your satisfaction and that the amount of the missing Official Bank Check has been credited to your checking account **********. Ms. *****, thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, ********* Customer Response Representative Cc:*****************, Operations Manager, Better Business Bureau

4/17/2014 Advertising/Sales Issues | Read Complaint Details
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Complaint: TCF has made fraudulent acts on my account. I am writing in regards to TCF Bank located in MN. I have been a good customer with this bank for many years. Recently TCF has been committing fraudulent acts on my account. I have tried resolving them with the bank myself but have been treated very poorly. The first issue I have is that on 2/18/2014, an amount of $301.29 was removed from my account during the entire business day that day. There was no record as to where it went. When I was finally able to call the bank late in the afternoon it had been credited back into my account. When I called TCF to figure out what happened they did not have an answer for me. In fact they said to me "It's back in your account, what are you complaining about?" They also sent me a letter stating that the amount of money was from a prior deposit that was not correctly credited to my account. That is a lie. I went through all my statements so far this year and there has never been a deposit of $301.29. They lied. What am I complaining about? Well here is my problem. My house payment was set to go through my account that day. The only reason it did not was because it was a holiday. If it had, I would have incurred multiple overdrafts. They may have fixed them, but that does not get rid of the history of multiple overdrafts on my account. So when I go to refinance or make a major purchase, it looks like I have had multiple overdrafts on my account. Secondly, if I had called the bank saying that $301.29 was missing out of my account before they found the error and corrected it, I would have had no proof as to where that money had gone. I spoke with a supervisor by the name of ******* at phone number ************. She was very rude to me and did absolutely nothing to resolve this. She advised me to contact corporate offices. Which I will do. The second problem I had with them was a credit on a deposit. I do not ever overdraft my account. I have made several deposits in the past to cover money going through my account. On 3/27, I made a $25 deposit to cover a check going through the next day. I have made several deposits exactly like this in the past and have never had my account overdraft. I was told by TCF that my deposits were always credited even if they were made after 3:00 pm. This is because I have never had a bad deposit and have been an excellent customer. Unfortunately, this time TCF decided to overdraft my account and not accept the deposit until the next day. I was able to get TCF to remove the overdraft fee because they knew what they did was wrong. You can't accept some deposits and not others. I need TCF to remove this overdraft from my history on my account. What they did was wrong. Furthermore, it is very stressful to live my life everyday monitoring this account waiting for TCF to screw up again. As a customer, I demand answers to know where my $301.29 was for the entire business day of 2/18/2014. I demand to know why my deposit was not credited to my account like it always has been. I expect the overdraft to be removed from my account and I expect answers as to what TCF did with my $301.29. This is unacceptable, and I will not stand to be treated like this.

Desired Settlement: TCF needs to provide an explanation that is the truth as to what happened to the $301.29. They need to restore my account back to its good standing that shows no overdrafts on the account due to them not accepting my deposit the day before like they have always done in the past. They need to be aware that I have filed complaints with the CFPB, federal reserve, MN attorney general, and the OCC. I will not be treated like this. They can resolve it quickly or I will continue to fight until it is resolved.

Business Response: Initial Business Response /* (1000, 5, 2014/04/10) */ April 10, 2014 Ms. ******* ****** ****************** Minnetrista, MN 55375 Re: BBB Case # ******** Dear Ms. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding a $301.29 credit to your checking account on February 18, 2014. Our records show that, on February 17, 2014, you deposited a check for $301.29 made payable to you by ********* Medical Center. A scanning error occurred when the check was processed, and the check was not credited to your account. However, on the following day, TCF corrected the error and made a credit to your account for the amount of the check. The funds from this credit were available to you on February 18, 2014. It is our understanding that you spoke with the management team at our Excelsior branch and that they explained why your account received the credit. We are pleased to see that they were able to assist you with your inquiry. You express additional concern regarding the manner in which TCF processes your deposits and the overdraft fee that was assessed to your account. Deposits made after the 3pm cutoff time are considered deposited on the following business day. Funds from check deposits are typically available on the second business day following the day of deposit, and cash deposits are typically available on the same day. This information is explained in our terms and conditions. On March 27, 2014, your account was assessed a $37 overdraft fee. This fee is from the insufficient funds activity on March 26, 2014 and is outlined in your overdraft notice, which we have enclosed for your review. As such, your March 27, 2014 deposit of $25 was made a day after your account became overdrawn. Our records show that this overdraft fee has already been reversed. The overdraft activity on your account, consisting of the single fee you were charged on March 27, 2014, will not be removed from your account history as we are unable to do so. However, TCF does not report the overdraft activity of a customer's account to credit reporting agencies unless the account is closed by TCF with an owing balance. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Initial Consumer Rebuttal /* (3000, 7, 2014/04/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) In regards to the check deposit for $301 that went missing. It was not fixed and resolved within one day. Furthermore, if that error that TCF made due to that check not being deposited had caused and overdrafts then it would have hurt me financially. The problem is that this bank cannot and will not remove an overdraft on my banking history. Even when it is due to bank error. That is unacceptable. So the consumer has their financial history with the bank tarnished. So when they go and refinance a house it will look like they have had overdrafts with their bank. Then they will be charged a higher interest rate. This is a huge problem. Also, I have made check deposits for many years with this bank after 3:00pm. They have always been deposited and allowed to be used immediately. Why should it be any different for this situation? The bank cannot pick and choose when they will grant deposits or not. I do not accept this. TCF needs to resolve this by removing the overdraft on my bank account history. That will be the only way I accept this and feel it has been resolved. I will continue to process complaints until it is done. I will not have my finances affected by their errors. Final Business Response /* (4000, 9, 2014/04/17) */ We reviewed the customer's additional comments and unfortunately there is not a systematic way to remove the notation of an overdraft from her account history. We did explain this to her in our initial response.

4/11/2014 Problems with Product/Service
4/10/2014 Advertising/Sales Issues
4/7/2014 Problems with Product/Service
4/4/2014 Advertising/Sales Issues
4/4/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have received $341.40 in overdraft fees without proper notifications, and is contrary to online "available balance." EGREGIOUS FEES: I have e-mail notification for overdraft and low balance notification on my account. Also because of my current financial situation my wife and I frequently check available balance before every purchase. The events, according to "customer service" occurred on 3/7/14. I did not receive ANY notification of a low or insufficient balance until TCF hit me with $111 in fees on 3/10/14. Any transaction that I make (with the exception of gas) is displayed instantaneously on my "available balance". My balance was never in the red until the $111 in penalties. I called customer service and both individuals were extremely rude. I was told many times that they can not see actual time of transactions, but transactions on the 7th caused the overdraft fee's. I now have a $-341.40 balance of which $370 is TCF fees. Since I opened this "totally free checking" account I continuously get small yet excessive fees. I understand TCF is running a business and fee's are a major source of its profits, but this is Egregious. My available balance was only negative from fee's and I was NOT notified by the TCF system until three days after the fact. My research into complaints of excessive fee's was shocking. I read well over 100 complaints on this matter. I am not alone.

Desired Settlement: reversal of the $370.00 in fee's....

Business Response: Initial Business Response /* (1000, 5, 2014/03/21) */ March 21, 2014 Mr. **** ****** ************************** Lisle IL 60532 BBB Case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concern. You expressed concern that your account incurred overdraft fees. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated March 7, 2014 (copy enclosed), your beginning available balance was $148.42. From this balance, we first subtract transactions that were pending; in this case the eight transactions for $135.35. Your available balance was then $13.07. Then we subtracted the transactions that were posting; in this case the four transactions totaling $39.08. Your available balance after pending and posted transactions was therefore negative -$26.01, which is why you were assessed overdraft fees. It is important to remember that, when you use your card and TCF authorizes a transaction, these funds are no longer available to you, even though the transaction has not posted. TCF records indicate that between March 10, 2014 and March 18, 2014 you incurred $407.00 in overdraft fees. TCF has already reversed $25.00 of these fees. Because you are a valued customer, we have reversed the remainder of the fees. To further assist you, we have enclosed our brochure "What You Need to Know about Bank Service Charges and Overdrafts" for your review. This is a great resource for our customers to assist them in avoiding or reducing deposit service fees. You also express concern regarding the timing of the notification. The transactions that resulted in the overdraft fees occurred on Friday, March 7, 2014. The fees were assessed on Monday, March 10, 2014 and the notification was mailed that day. Mr. ******, I trust I have responded to your concern. Sincerely, ********** Customer Response Representaitve Cc: ***************, Operations Manager, Better Business Bureau

4/1/2014 Advertising/Sales Issues
3/31/2014 Advertising/Sales Issues
3/31/2014 Delivery Issues
3/28/2014 Advertising/Sales Issues
3/27/2014 Delivery Issues
3/26/2014 Advertising/Sales Issues
3/25/2014 Advertising/Sales Issues
3/17/2014 Advertising/Sales Issues
3/17/2014 Problems with Product/Service
3/11/2014 Billing/Collection Issues
3/11/2014 Problems with Product/Service
3/10/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: The bank allowed a check to be deposited without the proper signature, then pulled it out, causing a domino effect of problems including NSF fees. Thursday, February 6th, I deposited a check to our TCF account from our insurance company. It was for work we had done on our home and we were to turn around and send the money from our account to the contractor, or so we thought, as that was how the process went a couple of months before that when we deposited another check from our insurance company for the same reason. When the check was deposited, the teller sent me a receipt, and that was that. Everything seemed to be fine. We sent a check from our bank account in the mail to the contractor the next day for the $2092. I went to make a purchase on Wednesday the 12th for about $14.00. It got declined because apparently it took 5 days for the bank to realize that the check was invalid, so they reversed the deposit. The construction company's name was on the check, but their signature wasn't on it. We didn't realize we needed the signature because the last check we received from the insurance company didn't require it. The check was both reversed and the construction company tried to cash our check on the same day, so we ended up with non-sufficient funds. My husband went into the Cottage Grove to personally talk to someone about this. He talked to the Assistant Manager there, who said that once the check got kicked back, they would send a legal copy of the check back to us to forward directly to the construction company. On Friday the 14th, we were expecting to see our account positive again as my husband got paid. Instead, it was still at least $600 negative. My husband left work early to speak to someone personally at the Cottage Grove branch. This time it was the branch manager. The construction company tried to cash the check AGAIN. The only thing we could do to prevent them from doing this was to put a stop payment on the check- but our account was negative so we had no way of doing that! So, again we waited for the money to go back in, and to get the check back to forward to the construction company to even everything out. We waited over the weekend and nothing changed. So, Monday, my husband went in for the THIRD time to talk to someone. He talked to both the assistant manager and the manager of the Cottage Grove Branch this time. Their explanation was that they didn't cover the check the first time because we were about $1900 negative (because the deposit had been taken out). However, when the construction company tried to cash the check we sent them again on Friday the 14th, they let it go through because we were only $600 negative. Not only that, but they refused to mail the check back because we were negative (which makes no sense, especially since my husband had been in already twice to get help from them with the situation). They said the check was finally mailed Monday the 17th. Today is the 19th and we still have not received that check in the mail. My husband took off work so he could meet with the construction company to get their signature but we haven't even received that check back yet. Not only have we been negative for a week even though my husband got his paycheck on the 14th, my husband has stopped in 3 times to talk to someone and no one even tried to take the information that he provided to actually help us through this or try to prevent any other issues. We have been charged $168.00 in service fees so far, not to mention anything else that gets added with each day that passes. We have been joint account holders for at least 10 years now, and my husband even longer. If the bank wouldn't have deposited the check in the first place and paid attention to the fact there was a missing signature, we wouldn't have this problem to begin with because we would have never sent the check to the construction company. We feel they have caused us undue stress and many service fees that are unfair.

Desired Settlement: We feel that all of the service charges are unfair because it was not our fault it was deposited in the first place - the bank should have caught that immediately, not 5 days later. We would like to see the $168.00 plus any other service fee that is added from here on out due to this situation put back in our account!

Business Response: Final Consumer Response /* (3000, 8, 2014/03/10) */ Hi. One last update. After literally the 10th time talking to someone on the phone, and stopping at the bank 7 times and the insurance company once, the check was still never received back from TCF. This issue has lasted a whole month, causing us to be late on two house payments & several other bills.There was absolutely no excuse for how they behaved- they outright lied about the check being mailed as they told us it was mailed the 17th, then 20th, then 15th. In the end, it was the insurance company, NOT TCF, that re-issued a check, but they charged us $50 for the re-issue. TCF finally did agree to reverse the last of the service fees to make up for that. So, the debacle should be over as of today, BUT I ask that you take this complaint seriously and that somewhere, SOMEONE hears about this issue & does something to prevent it in the future. A formal apology from TCF would be nice but I know there's a slim chance of that happening. None of this is acceptable.

3/6/2014 Billing/Collection Issues
3/4/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF refused to process a purchase I made and because they said the merchant was fraudulent. I made other arrangements but then TCF DID process it. On Wednesday October 31st, 2013 I made a hotel reservation online with Ololtels in the amount of $893.37 using the Debit Card linked to my account. I then went to lunch and tried to use the TCF card to purchase the food only to be told it was denied. I knew there was money in the account so I tried to withdraw cash at which point the ATM machine retained the card. I called TCF and was told that the purchase with Ololtels was denied due to being a possible fraudulent merchant and that VISA had then blocked all other purchases after that. I cancelled the card immediately and ordered a new card. I was told the $893.37 would stay denied and would not go through. I logged into my account on Tuesday November 5th only to see that infact that my account was overdrawn because the $893.37 had infact gone through somehow despite a cancelled card and being told that it would not. I called TCF and was told they had no idea how the purchase went through other than that merchant had pushed it through somehow, fraudulently and that there would be an investigation. After investigation, my account was credited back the amount. But then they reversed the credit and sent a document asking me to verify that I had cancelled the purchase with the merchant and what was the merchant's cancellation policy. This was wholly unfair because it was TCF who had denied the purchase and not I or the merchant, as I'm sure can be seen in the notes of whomever I spoke to on October 31st and November 4th. I tried to reach someone who could assist me but was unable to get anyone on TCF side as they said that they never 'deny' payments. I asked for the notes from my phone calls on October 31st and November 4th but was denied, this happened when I walked in at the TCF downtown Minneapolis location. With no other options, I filled out the required 'cancellation of purchase' document they wanted and faxed it in at the TCF Johnson street location 2 weeks ago. I chose to put "N/A because I was told by the TCF rep that purchase would not go through" on the form. My account has not been credited back the $893.37 as of yet. I am concerned they will not due to the way the issue has been handled thus far by TCF.

Desired Settlement: I would like TCF to credit back into my account the $893.37 for the denied purchase that was unauthorized but went through $26.80 international purchase fee that was administered because of the above amount and all overdrawn funds. I would also like a letter of apology for the way my account with my hard earned money was mishandled and the lack of answers or options for resolution since.

Business Response: Initial Business Response /* (1000, 6, 2014/02/18) */ February 18, 2014 Ms. **** ***** ************************* Minneapolis, MN 55421 Re: BBB Case # ******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the resolution of your unauthorized transaction claim. Our records show that your claim was originally denied because sufficient information was not received in support of your claim. Based on the information provided in your letter, the claim has been paid and we have credited your account $893.37 for the disputed transaction and $111 for NSF fees that you have since incurred. The $26.80 international fee and an additional $148 in NSF fees were reversed on November 19, 2013. We apologize for any inconvenience you may have experienced regarding your unauthorized transaction claim and any miscommunication there may have been concerning the resolution of your claim. Ms. *****, we truly value you as a TCF customer and consider it a privilege to serve your banking needs. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

3/3/2014 Advertising/Sales Issues
3/3/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have been charged an account fee (and I'm in risk of being charged in the future) due to mistakes on the company's side. After the month of November 2013, I was charged a $4.00 "monthly maintenance fee" on my account. They responded that I went below the minimum account balance on my savings account ($100). This made no sense to me, as I monitor my accounts carefully, and am good at math (I have an accounting degree and worked six years doing payroll). The clerk at the bank printing off my account history, and it showed me as being under the minimum for a couple of days, which made absolutely no sense to me, as I know this didn't happen. Today when I checked my bank account online, and saw that from 2/7/14 to 2/10/14, it shows me as being under the minimum again, which would result in them (incorrectly) charging me a fee at the end of the month. After looking at the dates and amounts in both cases, I figured out what's going on, and I want it fixed. About a year and a half ago, I wound up having to move to Mankato from the Twin Cities area, where I'm originally from. I have not been able to find employment yet down here. Around the middle of 2013 I had used up my entire life's savings (except for the $100 minimum I had to keep in the bank). The past few month I've had to borrow money from a relative. He typically writes me out I check. I deposit it into my savings account at a local Cubs/TCF location, I shop or groceries, take some money out of the ATM on the way out, then when I return home, I often transfer a little money to my checking account to use for bills or small online transactions. I just laid out the order in which I perform the banking transactions - I never go below the minimum amount ($100). However, the balance statement shows these transactions happening in a different order sometimes, which results in my account incorrectly falling below the minimum. In both cases (the early November deposit and this February's deposit), the check deposits and following withdrawals/transfers occurred on Fridays. On the banking statements, though, it shows the checking account transfers happening on Friday, then the check deposit happening on the next Monday. I don't know if this is a computer glitch, or possibly something TCF does intentionally to create bogus fees, but it makes it look like I was below the minimum balance for three days. When I make the transfers online, it NEVER shows me going below the minimum balance (the check deposits appear as completed with the new amount). But then when the new week starts, the transaction order somehow changes, it is make to look like the transfer happened before I had the money deposited. Like I said, I don't know if it's an issue with their computer system, or some sort of deceptive practice to create falls fees against the customer. Anyways, I want a refund for the $4.00 fee I was incorrectly charged after November, and I better not see any fee at the end of this month for the days when the computer made it seem like I went below the minimum balance of my savings account. It would also be nice if TCF would fix their system so that it would not show transactions happening in a convoluted order, or at least provide a disclaimer/warning (that is EASILY visible to online customers) that transactions may not show up in the correct order and this may happen. I like the convenience of TCF bank with their locations and online banking, but if I ever get charged another fee (or fail to get reimbursed for these bogus fees) due to transactions not being shown in chronological order, I will no longer be a customer.

Desired Settlement: I want to be refunded for the bogus maintenance fee from last November, and I want it to be noted on my account that I should not be charged at the end of this month, since their computers incorrectly listed me as going below the minimum.

Business Response: Initial Business Response /* (1000, 6, 2014/02/26) */ February 24, 2014 Mr. ***** ****** **************** Mankato, MN 56001-2928 BBB Case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. Your inquiry states that you made a deposit to your TCF saving account ********** on Monday, November 04, 2013; however, our records indicate that your deposit was made at 4:58 p.m. at the ATM. TCF's Funds Availability Schedule (copy enclosed) states that funds received for deposit before the cutoff time (3:00 pm) will be posted to the account that business day. The deposit in the amount of $350.00 was processed to your account after the cutoff time for transactions. TCF posts all deposits conducted after the cutoff time on the next business day; in this case, on November 05, 2013. We are sorry for any misunderstanding there may have been regarding this practice. Please note that TCF's Deposit Account Services and Prices Schedule explains that a monthly maintenance fee will be assessed to a savings account if the balance falls below the minimum account balance any day of the month. We are enclosing a copy of the schedule for your review. Our records indicate that on November 29, 2013 you incurred a $4.00 monthly maintenance fee, due to the saving account going below the monthly minimum. To assist you, we have reversed this fee. Upon further review, it was found that your account will receive an additional $4.00 monthly maintenance fee for February. As a one-time courtesy, we have waived this fee. You will see these credits on your next statement. Mr. ******, I trust that I have responded to your concerns, and resolve your account dispute. Sincerely, ******** Customer Response Representative Cc: ***************, Senior Operations Manager, Better Business Bureau

2/27/2014 Delivery Issues
2/27/2014 Advertising/Sales Issues
2/25/2014 Billing/Collection Issues
2/24/2014 Delivery Issues
2/21/2014 Problems with Product/Service
2/21/2014 Billing/Collection Issues
2/21/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Receiving new debit card and pin number To Whom It May Concern, I am writing this letter as a formal complaint against TCF National Bank. On January 4th my debit card number was compromised due to fraudulent activity and I had to be issued a new debit card and PIN number. Today is February the 2nd and I still have no access to my money, 29 days later. I did finally received the new debit card (on Saturday January 25th) after multiple calls to TCF to find out where it was. I called to try and activate the new card with my current PIN number, which I was told would work on the day I ordered the new card, and it did not work. I called TCF to see why it did not work, the answer was a generic "you need to wait for the new PIN number, 1-2- business days. It has now been 6 business days. I had to call again to see what they can do to help me access my funds, 40 min on the phone, and was told they could do nothing but order me a new PIN number that is going to take 7-10 business days. It is now on 5 weeks with no money, no access to MY money and ZERO help from TCF. I have had had to borrow money from friends, and family which causes them to have to live with less money. I am not sure how they call themselves a national bank and offer no alternative way of using/access to MY money. I feel like my money is being held hostage, and the amount of frustration this has caused me and the people helping me is un-bearable. I expect this situation be rectified immediately this is the most ridiculous, unprofessional, exasperating thing I have ever experienced. A favor of a reply is requested.

Desired Settlement: Expect to be compensated for lost ability to access funds Reimbursed for $$ I needed to borrow with interest

Business Response: Initial Business Response /* (1000, 5, 2014/02/10) */ February 10, 2014 Mr. ***** ****** *********************************** Saint Petersburg, FL 33713 Re: BBB Case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the delay you've experienced while waiting for your new debit card and PIN. As a result of the Target data breach, most financial institutions began reissuing cards starting in early January. TCF customers began to experience delays in receiving their cards approximately 2 weeks ago and, just recently, we learned from our card fulfillment vendor that the time it takes for a customer to receive their card or PIN could be three to four weeks. We apologize for the delay in receiving your new card and PIN and assure you that our vendor is doing everything they can to help expedite this process. While you wait for your new PIN, which you ordered on February 3, we would like to remind you that you may continue to use any personal checks you may have or utilize our free Bill Pay service through our online banking website to arrange payments. Mr. ******, we again apologize for any inconvenience you may have experienced from not receiving your debit card and PIN as anticipated. Sincerely, *******. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

2/18/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: My bank account was $11.24 positive on 1/13/2013 as of 6pm, after i had spent the majority of the day scraping up the money to cover a negative balance that was $586.00. this included, according my bank statement, my mortgage payment of $1429.00, and multiple transactions of 7.00, 10.60,35.03, it also included 3.70 coffee purchase. i deposited amounts of $550.00, $12.43, $30.00 on 1/31/2013 which brought me positive $11.24. i was told by tcf that if you covered you negative balance before 2pm of that business day i would not be charged an insufficient funds fee. i went to bed last night satisfied that i had avoided the fee. and i woke up to see i became negative $25.00. i called tcf and not only did they charge me the insufficient funds fee that i wasn't suppose to get. but ironically the 7.00 and 10.60 purchases that i saw in my statement two days prior and miraculously resurfaced and was charged as a more recent balance! and on top of that. because i didn't cover the $25.00, even though it didn't show me owing that extra $25.00 , i will now assess another $37.00 insufficient fund fee. this is getting ridiculous! i have no problem trying to cover what i am negative in my account. but when i make an effort to cover the balance in time to not get charged a fee, i would like to know what the entire balance is so i know what i have to scrape together. i thought i did and the customer rep i talked to was seeing a different transactions altogether, according to her. i have a statement plus a receipt that i was positive $11.24 on Friday 01/31/2013. i dont think its fair that they charge us all these fees and dont give us the proper information, or worse, change the info, in order to charge us these fees. if you could investigate tjhis i would greatly appreciate it.thanks****************

Desired Settlement: DesiredSettlementID: Other (requires explanation) would like a refund of 1/31/2013 and 2/1/2013 insufficient funds fees

Business Response: Initial Business Response /* (1000, 6, 2014/02/07) */ February 7, 2014 Mr. ****** ******** ************* Saline, MI 48176 Re: BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding recent NSF fees on your checking account. Our records show that your account was overdrawn on January 30, 2014 and assessed a $37 NSF fee. Per standard procedure, this fee posted to your account on the following business day. While it may appear that you were assessed an NSF fee even though you made deposits on January 31, this fee was actually from the previous business day. We apologize if our representative did not inform you of the pending fee when you made your deposits. It is our goal to provide service which is efficient, knowledgeable, and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. Our records show that, between February 3 and February 5, your account was assessed $111 in NSF fees. Because you are a valued customer, we have reversed these fees. This transaction will appear as a credit on your next statement. We have enclosed a copy of our What You Need to Know about Bank Service Charges & Overdrafts notice. This notice explains how NSF fees are assessed and how you may avoid them. Mr. ********, I trust that I have adequately addressed your concerns and provided you with useful information that will assist you in maintaining your account. We appreciate your longstanding banking relationship with TCF. Sincerely, Ryan S. Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

2/14/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Overdraft fees on top of overdraft fees. There are 3 overdraft fees on my account, however only 1 should be legitimate. When I checked my account on Friday, 1/24/14 at 1 am, my direct deposit from my payroll was sitting in my pending transactions dated 1/23/14. According to your posting policies, you post incoming wires or direct deposits first before you post payments, however you posted the other way around, so I incurred 2 additional fees. Which was just a ploy to get more money for yourselves, I get it I understand but it is unethical.

Desired Settlement: I would like these 2 fees reversed as they aren't legitimate according to your posting and transaction policies.

Business Response: Initial Business Response /* (1000, 5, 2014/01/31) */ January 31, 2014 Ms. **** ***** ************************* Chicago IL 60656 BBB Case # ******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concern. You express concern regarding your pending direct deposit. Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositor. TCF is aware that at times direct deposits can be viewed in online banking as pending the evening before the deposit is made. For example, your direct deposit was credited to your account on January 24, 2014 at the direction of Xerox Corp.; however, you may have been able to view the deposit in pending status on January 23, 2014, which is the evening of the previous business day; however, the funds were not available. TCF records indicate that on January 24, 2014 you incurred $74.00 in overdraft fees for two transactions that were initiated on January 21, 2014 and posted to your account on January 23, 2014. Because you are a valued customer, we have reversed these fees. Ms. *****, again, we appreciate your letter and trust we have responded to your concern. Sincerely, ********** Customer Response Representative Cc: ****************, Operations Manager, Better Business Bureau

2/13/2014 Problems with Product/Service
2/13/2014 Guarantee/Warranty Issues
2/13/2014 Delivery Issues
2/13/2014 Guarantee/Warranty Issues
2/10/2014 Problems with Product/Service | Read Complaint Details
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Complaint: By mistake, I forgot to change a payment from TCF bank to Bank of America and the bank change me 3 X $37=$111. By mistake, I forgot to change a payment from TCF bank to Bank of America and the bank change me 3 X $37=$111. I went to the branch to make a deposit this is when I fine out that the bank charge me those fees. i have my account for over five year and I've tried not to let my account overdrawn. I spoke to a teller at the branch and one at the call center and both told me that they can't reverse those fees for me. Now i am asking the TCF Bank headquarters to refund me the full amount, $111. If the bank refuse to refund the total amount to my account i will continue to find all sources to file or report a this situation until the full refund post to my account, if i have to file a dispute with the Arizona state of authorities i will.

Desired Settlement: I need a full refund of $111 from TCF Bank. I don't think it's fair for me to get change for the transaction that i did at 10pm and make a deposit at 6am next day.

Business Response: Initial Business Response /* (1000, 5, 2014/02/04) */ February 4, 2014 Mr. ****** ******** ****************************** Phoenix, Arizona 85016 Re: BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. Based on the information you provided, we were unable to locate any open accounts in your name. In order that we may fully research your concerns, please provide us with the account number for the account that you reference. Mr. ********, we look forward to your response. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 7, 2014/02/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) ********** Final Business Response /* (4000, 9, 2014/02/10) */ February 10, 2014 Mr. ****** ******** ****************************** Phoenix, Arizona 85016 Re: BBB Case # ******** Dear Mr. ********, Thank you for providing the requested account number. Our records show that, between January 28 and January 30, your account was assessed $111 in NSF fees. These fees are the result of transactions posting to your account when you had insufficient available funds. To assist you, and because you are a valued customer, we have reversed these fees. This transaction will appear as a credit on your next statement. We have enclosed a copy of our What You Need to Know about Bank Service Charges & Overdrafts notice. This notice explains how NSF fees are assessed, how you may avoid them, and how your transactions affect your available balance. Mr. ********, I trust that I have adequately addressed your concerns and hope this assists you in maintaining your account. We truly value you as a TCF customer and consider it a privilege to serve your banking needs. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

2/6/2014 Advertising/Sales Issues
2/5/2014 Advertising/Sales Issues
2/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Got over drafted when I thought my card wouldn't allow it to and now have to pay over 100 dollars that I don't have. I was told that I have overdrafts now worth over 100 dollars when I didn't think I was allowed to go over. This is a continuing problem that I have with Tcf bank. I am a college student so I have little money to spend in the first place let alone pay sneaky fees priced over 100 dollars because my account was negative two dollars. I do NOT want my card to be able to go over. If I'm not able to be refunded and have my account set up how I've wanted it I'm just gonna have to switch banks because this is ridiculous. I'm now out of money and at a loss of trust for Tcf bank.

Desired Settlement: I would like to be refunded the overdraft fees that I was given and have my card not be able to overdraft

Business Response: Initial Business Response /* (1000, 5, 2014/01/23) */ January 23, 2014 Mr. ******* **** **************** Plainfield, IL 60585-2644 Re: BBB Case# ******** Dear Mr. ****, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. You expressed concern regarding the overdraft fees incurred on your account. TCF records indicate that your account was opened on May 3, 2013. We reviewed your signed account agreement and it shows that you elected to have TCF to pay your ATM and non-recurring check card transactions that exceed your account's available balance at the time of the authorization request. We have enclosed a copy for your review. Our records further indicate that on January 14, 2014, you requested for TCF to now decline your ATM and non-recurring check card transactions that exceed your account's available balance at the time of the authorization request. Please note that your overdraft elections are outlined on your monthly bank statements for clarification. In reviewing your account, we found that between January 8, 2014 and January 10, 2014 you incurred $148.00 in overdraft fees because of insufficient available funds for transactions that processed on your account. TCF reversed $37.00 of these fees on January 14, 2014. Because you are a valued customer, we have reversed the remaining $111.00 in fees. Mr. ****, we apologize for any miscommunication that may have occurred and hope that these additional fee reversals will assist you in reconciling your account. Sincerely, ********** Customer Response Representative Cc: ***************** Operations Manager, Better Business Bureau

2/3/2014 Problems with Product/Service
1/31/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had a positive bank account with this branch of the TCF Bank. ******* Bank illegally withdrew from my account and I filed a claim immediately under claim number *******. When I spoke with the officer at the bank, they stated that they see the claim number, but no complaint was filed. So I had to file another claim number under *******. The fees went up to $801.00 and now back to 278.38, in which, has been sent to a collection agency. First, when I filed the complaint it was not handled correctly. Second, if the claim would have been filed correctly, I would not have to pay these extra fees and so forth. Third, this transaction with the bank has literally stopped my business from making transactions. It seems like the original claim did not go through to cover themselves from the mistake/s/ they made. Also, for the record, when I used my credit card to make purchases, the transactions would take a week or more to clear. They said this was on the merchant, but when I used other credit cards, then transactions were completed within 24 hours. My company, **************************** will never do business with a bank that is not reputable like Bank of America, Chase or even Wells Fargo. I should not have to pay the sum of 278.38 to *****************************. I would respect a quick and quiet resolution to this issue. I am almost sure that this is not the first time this bank has had bad dealings with consumers. I guess this is why they have employees stand around the bank trying to solicit customers of Jewel/Osco to open an account with them. **************** Account_Number: *******

Desired Settlement: DesiredSettlementID: Refund For my account to be returned to a positive balance and for my account to then be permanently closed with TCF Bank. Also, for my complaint to be forwarded to the correct officials within the bank for resolution and to listen to the complaint tapes under the e-forms that I filed. They need to greatly improve their customer service and transaction department.

Business Response: Initial Business Response /* (1000, 10, 2014/01/22) */ January 22, 2014 ********************** ***** ********** ****************** Chicago IL 60619 BBB Case # ******** Dear Mr. **********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concern. TCF records indicate that on November 5, 2013 you filed a claim for an unauthorized transaction. At the time of the reported unauthorized withdrawal, your account balance was overdrawn. The claim was paid on November 12, 2013 when TCF credited your account $95.00. TCF also reversed a $37.00 overdraft fee. Our records indicate that First Premier also credited your account $95.00 on November 25, 2013. When your account remained negative, TCF closed the account. The balance owing of $278.38 was sent to Millennium Credit Consultants (MCC) for collection, and the account was reported to ChexSystems for insufficient funds activity. TCF has a duty to report only accurate information to consumer reporting agencies. At the time that TCF closed your account, the information reported to ChexSystems was accurate and that fact has not changed. Mr. **********, we hope this clarifies the actions that were taken with regard to your former account. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 12, 2014/01/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) My account was had a positive record at the time of the filing. The first case number ******* which was originally filed on October 31st, 2013. When the TCF bank did not file a claim and made me refile the claim under case number 1701191 which was on Novermber 5th, 2013, the account was in overdraft due to my business transactions which were on automated withdraws. If the claim was rectified and properly filed on October 31, 2013, then my account would be have a positive account. I also noticed that the Bank did not address the issue of my first filing date of October 31, 2013, which would make the illustrate the bank at fault. Overall, if all fees would have been retracted then automatically my account would have been restored to the proper value before going into overdraft; which is common sense. Since Ms. ****** did not address the issue of this, I find that the issue was overlooked and is a way to solicit funds that are extorted. Banks have recently been sued for this type of behavior and action. And I am requesting for my balance be returned before the original overdraft occurred on October, 31, 2013. All Ms. ****** has to do is review the taped conversation by myself and the representative for that day under case number ******* and I challenge the rep. to address this issue. To admit the filing of claim on 10/31/13 is to admit fault on behalf or TCF Bank. Thank you. ***** ********** Final Business Response /* (4000, 14, 2014/01/30) */ January 30, 2014 ********************** ***** ********** ****************** Chicago IL 60619 BBB Case # ******** Dear Mr. **********, Your additional correspondence filed with the Better Business Bureau has been forwarded to TCF. TCF has reinvestigated your claim and the decision has been made to waive the balance owed. We have directed Millennium Credit Consultants to stop collection activities. We have also requested that your record at ChexSystems for this account be removed. Mr. **********, we trust this matter has been closed to your satisfaction. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/30/2014 Problems with Product/Service
1/29/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Improper overdraft charges, to wit: as I write, item in question STILL pending (threat to return) yet I already incurred 4 fees = $148 & possib more. I have documentary evidence (Internet screen shots) in addition to the verbal acknowledgement confirmed by BOTH the initial customer service person (no name provided) then corroborrated by her supervisor, TCF Bank Department Lead by the name of ***** (he refused to provide his last name) that the one item which they are purporting to be overdrawing my account has not (even as I write this narrative) posted on my checking account. Indeed, both the initial customer service person AND ***** stated (even upon my request for clarification) that said item was possibly going to be RETURNED. In actuality, the initial customer service person said that indeed it WOULD definitively be returned if I did not make an additional deposit before 5pm today. ***** stated that the return of the item was only a "possibility" but this information was offered AFTER I told him I was reporting this to the BBB. Note: Today, I transferred $100 over from my savings account to cover the pending item. The initial customer service person said that because I transferred the money over today instead of yesterday, it was still an overdraft situation - despite the fact that the "offending" item was still "pending" - today. ***** (her supervisor) confirmed this was the bank's position. It is also unclear to me as to WHY the amount necessary was not automatically pulled from my savings account - other than to illegally churn bank fees out of me. Why? Because as I consistently contend - the "offending" item has yet to post to my account. I am unable to contact my branch bank in Eden Prairie, MN to deal with these issues, as I was told I could NOT talk to them directly under any circumstances. Please note, this is not the first time I have had issues with this bank. There have been many problems in the past with this bank messing up, but I am forced to maintain this account to most efficiently deal with my son's University of Minnesota student account. As stated above - as I write this complaint, the "offending" item which has allegedly overdrawn my account is STILL a pending item, subject to possible return - which in fact WILL be returned as I am typing this instead of running to my bank to throw away, I mean deposit more money. WHY is it pending a return by the bank, one might ask? Because of the pending $148 in FEES that have been assessed due to this actual item overdrawing OTHER items. If that is not faulty justification (circular reasoning) I do not know what is.

Desired Settlement: By the time this is processed, it will be too late to save the pending item (which happens to be my car insurance payment) from being returned. Although, it is my hope that I convinced Emile that I would succeed in this complaint so that he should do his best to NOT return that item. What is left is the exhorbitant amount of fees that have been/will be assessed. If any items are returned due to this fiasco, I insist upon a letter of apology from the bank, and that they reimburse me for any fees I incur as a consequence of this nightmare. If TCF fails to deal with this expeditiously so that I have to put additional time into this, I will request to be paid for my standard hourly services. And, I will also report them to any applicable regulatory agency for such abhorrent conduct - such as the Office of the Comptroller of Currency.

Business Response: Initial Business Response /* (1000, 6, 2014/01/27) */ January 27, 2014 Ms. ***** ******* ***************** Eden Prairie MN 55347 Dear Ms. *******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You expressed concern that your account incurred overdraft fees when there were sufficient funds in the account to cover the transaction. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated January 20, 2014 (copy enclosed), your beginning available balance was $170.55. From this balance, we first subtract transactions that were pending; in this case two transactions totaling $164.18. Your available balance was then $6.37. Then we subtracted the transactions that were posting; in this case the four transactions totaling of $87.56. Your available balance after pending and posted transactions was therefore negative -$229.19, which is why you were assessed overdraft fees. It is important to remember that, when you swipe your card and TCF authorizes a transaction, these funds are no longer available to you, even though the transaction has not posted. TCF records indicate that between January 21, 2014 and January 22, 2014 you incurred $185.00 in overdraft fees. To assist you, we have reversed these fees. You also expressed concern with having funds transferred from your savings account when needed. TCF does offer an Overdraft Protection Savings Transfer Service that automatically transfers funds from a savings account to a checking account when items (such as checks, check card transactions or other withdrawals and transfers) that post to the customer's checking account exceed that account's available balance. This service is available to customers who have a checking and savings account with the same name. Enrollment in the service is free; however, there is a transfer fee. TCF records indicate that you are not currently enrolled; however, you may do so at any time. Ms. *******, we appreciate your letter and trust we have responded to your concerns. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 8, 2014/01/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) While I am extremely pleased at the lightning quick response by TCF Bank, and that the response does quite satisfactorily address the recent overdraft issue, it fails to address the follow-up issue over the promises made over the stop payment fee which was incurred in early November. (I see the posting dates have been revised.) Should that $35 fee also be reversed in whole or in part, I will be more than happy to close this matter very satisfactorily.

1/28/2014 Advertising/Sales Issues
1/27/2014 Problems with Product/Service
1/27/2014 Delivery Issues
1/27/2014 Problems with Product/Service
1/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TCF bank is a rip-off. They have a terrible rip-off overdraft protection that they were on many occassions not willing to work with me to change. TCF bank is a corrupt financial institution with terrible customer service and account management. They rip off customers by charging a $37 overdraft fee for even a less than $1 overdraft. No other bank does that. And they are always unwilling to do anything about it even for years long customers. I talked to them so many times about changing the overdraft protection so that any card transaction get declined if sufficient funds are not available but each time they told me that they do not have anything like that. This is ridiculous. Every bank has that provision in their overdraft protection to decline transactions in the event of insufficient funds but not TCF. They told me that they do not do that. They will simply pay the amount, even if it is only some cents and then charge $37 for the fee. This is how they have been ripping off customers. I already closed 2 of my accounts there due to this messed up overdraft policies that they have but made the mistake of keeping one for my wife because it was not used much. But recently, she incurred an account overdraft for some reason. The total amount that account went negative by was less than $40. But TCF charged 4 overdraft fees of $37 each. This is a rip off. I am closing my last account there but would like BBB to take very strict action against this institution so they can stop ripping people off like this and reverse these unethical charges. We average Americans work really hard to earn every dollar and these greedy banks take it all away from us in one split second. This will not end here. I will take this matter even higher if I have to.

Desired Settlement: TCF should reverse all overdraft fees immediately charged to my account # **********.

Business Response: Initial Business Response /* (1000, 5, 2014/01/14) */ January 14, 2014 Mr. *********** **** *************** Maple Grove, MN 55311-3288 Re: BBB Case# ******** Dear Mr. ****, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. You expressed concern regarding the overdraft fees incurred on your account **********. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct pending check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated December 27, 2013 (copy enclosed), your beginning available balance after all deposits and other credits was $46.44. From this balance, we first subtract any pending transactions; in this case, you had one pending transaction (Holiday Station Store) totaling $32.24. After this initial step of subtracting your pending transactions, your available balance was $14.20. We then subtracted the transactions that were posting; in this case, you had one posting transaction (Pakistan Gift) totaling $26.00. Your ending available balance after pending and posted transactions was therefore negative -$11.80, which was why your account incurred an overdraft fee that posted to your account the following business day of December 30, 2013. Review of your account shows that between December 30, 2013 and January 7, 2014 you incurred $185.00 in overdraft fee because of insufficient available funds for transactions that processed on your account. Because you are a valued customer, we have reversed these fees. You will see this credit on your next statement. In reference to your concern regarding overdraft fees being assessed for less than a $1.00 overdraft, TCF does not charge a fee for paid items under $1.00. For an explanation of our overdraft fee, please see TCF's Deposit Account Services and Prices Schedule (copy enclosed). TCF records indicate that your account is Opted-In to TCF's authorization and payment of overdrafts on your ATM and everyday (non-recurring) debit card transactions that exceed your account's available balance at the time of an authorization request. Our records further indicate that your account is also Opted-In to TCF's authorization and payment of overdrafts on your checks, electronic transactions, and transfers. Both of these elections are out lined on your monthly statements. While we do not have a record of a request to change your elections for this account, we apologize for any miscommunication there may have been. You may change your elections at any time by calling TCF at 1-800-TCF-Bank (**************), visiting the TCF website, or by stopping into one of our TCF branch locations. We have also enclosed a ''What You Need to Know about Bank Service Charges and Overdrafts'' handout for your review. This is a great resource to assist customers with avoiding or reducing service fees. Mr. ****, we thank you for banking with TCF and appreciate having had the opportunity to clarify why you incurred overdraft fees on your account. Sincerely, ********** Customer Response Representative Cc: ****************, Operations Manager, Better Business Bureau

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF BANK charge me over daft fee when i had the money in my account I received my direct deposit on the 24th and TCF changed the date to the 26th when my deposit had posted on the 24th this caused my account to become overdrawn and the charge me 185 in over daft fees when my deposit was for 1267 and it cover all transactions. I feel they are changing the deposit date to charge fees i have a snapshot of my deposit for the 24th that i can submit and i had know pending charges.**********

Desired Settlement: I would like a refund of my money I work 74 hours for Xmas just to let the bank steal my money i work hard for for my kids which has cause me to be late on my rent trying to cover all the fees the kept racking up. My job has the proof the money was deposited on the 24th not the 26th

Business Response: Initial Business Response /* (1000, 5, 2014/01/15) */ January 15, 2014 Ms. ******* ******* **** *********** ******** AZ XXXXX-XXXX Re: BBB Case# XXXXXXXX Dear Ms. *******, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. Funds that are transferred to your account by direct deposit are available upon their receipt by TCF and at the direction of the depositor. TCF is aware that at times direct deposits can be viewed in online banking as pending the evening before the deposit is made. For example, your direct deposit was credited to your account on December 26, 2013 at the direction of the **************; however, you may have been able to view the deposit in a pending status on December 24, 2013, which is the evening of the previous business day. TCF records indicate that on December 26, 2013 you incurred a $185.00 in overdraft fees because of insufficient available funds for transactions that processed on your account prior to the posting of your direct deposit. To assist you, we have reversed the $185.00 in overdraft fees. You will see this credit on your next statement. Ms. *******, we thank you for banking with TCF and appreciate you giving us the opportunity to clarify why you incurred overdraft fees on your account. Sincerely, ******* F. ******** Response Representative Cc: ******* *******, Operations Manager, Better Business Bureau

1/27/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: The bank charged me 2 NSF fees ($74) even though I had made a deposit, therefore, my acct did not show a negative balance on the online records. I had made some purchases and a couple of deposits on 12/27/2013 which should have kept my account from going negative. According to the bank's online activity record of my account, there is never a point that my account shows a negative balance. Even so, the bank charged me two NSF fees, totaling $74, claiming that my account went negative. They claim that my second deposit was made after the close of business day and did not count until 12/30/2013, but it was made at an ATM machine which has been relayed to me that $100 would be credited immediately to my account, therefore, preventing my account from going negative.

Desired Settlement: I would like them to refund the NSF fees. I tried to talk to them myself, explaining the miscommunication and they agreed to refund $25 of the fee. I want them to refund the total fee.

Business Response: Initial Business Response /* (1000, 5, 2014/01/15) */ January 15, 2014 Mr. ****** ********* *** W *** St ******** MN XXXXX-XXXX Re: BBB Case# XXXXXXXXX Dear Mr. *********, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. You expressed concern that your account incurred overdraft fees when there were sufficient funds in the account to cover the transactions. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct pending check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated December 27, 2013 (copy enclosed), your beginning available balance after all deposits and other credits was $522.23. From this balance, we first subtract any pending transactions; in this case, you had five pending transactions (Barnes & Noble, Discount Tire, Kwik Trip, Equifax, and ATM) totaling $504.99. After this initial step of subtracting your pending transactions, your available balance was $17.24. We then subtracted the transactions that were posting; in this case, you had three posting transactions (Pasta Zola, CJ Banks, and Target) totaling $69.29. Your ending available balance after pending and posted transactions was therefore negative -$52.05, which was why your account incurred overdraft fees which posted the next business day. In reference to the deposit mentioned in your Inquiry, TCF records indicate that you did have a deposit process to your account on December 27th for $400.00. This deposit was included in your available balance in the notice, described above, dated December 27, 2013. Review of your account shows that on December 30, 2013 you incurred $74.00 in overdraft fees because of insufficient available funds for transactions that processed on your account. TCF reversed $25.00 of these fees on January 3, 2014. Because you are a valued ********, we have reversed the remaining $49.00. You will see this credit on your next statement. We have also enclosed a "What You Need to Know about Bank ******* Charges and Overdrafts" handout for your review. This is a great resource to assist customers with avoiding or reducing ******* fees. Mr. *********, we thank you for banking with TCF and appreciate having had the opportunity to clarify why you incurred overdraft fees on your account. Sincerely, ******* ** ******** Response Representative Cc: ******* *******, Operations Manager, Better Business Bureau

1/20/2014 Advertising/Sales Issues
1/20/2014 Problems with Product/Service
1/20/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: When i opened my account i was told that if my account was negative I'd have 24 hours to deposit the funds that's negative to avoid getting charged an NSF fee the bank charged me anyway even though i deposited more than enough to cover any pending charges the bank is excessively charging me fees stealing my disability and ssi benefits.

Desired Settlement: DesiredSettlementID: Refund Refund me the $148 dollars you stole and close my account so that i can go to a better bank with honest employees

Business Response: Initial Business Response /* (1000, 10, 2014/01/16) */ January 16, 2014 Mr. ***** ****** ******************** Chicago, IL 60624 BBB Case # ******** Dear Mr. ******, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. You expressed concern that your account incurred overdraft fees when there were sufficient funds in the account to cover the transactions. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct pending check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated January 02, 2013 (copy enclosed), your beginning available balance after all deposits and other credits was $146.34. From this balance, we first subtract any pending transactions; in this case, you had five pending transactions (Grubhub, Grubhub, Grubhub, Grubhub and ATM) totaling $136.25. After this initial step of subtracting your pending transactions, your available balance was $10.09. We then subtracted the transactions that were posting; in this case, you had four posting transactions (Grubhub, Columbia Liquors, Burger King, and Grubhub) totaling $81.30. Your ending available balance after pending and posted transactions was therefore negative -$71.21, which was why your account incurred overdraft fees which posted the next business day. Review of your account shows that between December 06, 2013 and January 09, 2013 you incurred $481.00 in overdraft fees because of insufficient available funds for transactions that processed on your account. We have reversed the fees to bring your account to a zero balance and closed the account per your request. Mr. ******, we thank you for the opportunity to clarify what transpired on your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: None response of debt cancellation/forgiveness request from the executive office. On December 3rd, 2013 I sent an e-mail to several key figures of the executive team for TCF. While I'm not sure if I use the correct e-mail addresses for all of them I do know some e-mails weren't bounced back. I was reaching out about a balance that I owe TCF that is reported on my credit report by American Collection Corp for the amount of $147.00 as of 01-05-2014. The request in my e-mail to members of the TCF executive team was too asked for approval to have the $147.00 that I owed TCF to be forgiven. I even mentioned that they could file a 1099-C form with the IRS for the amount forgiven, so they could properly recover from the loss. The main reason why during the time this account when delinquent my mother was in hospice from her failed battle with small cell lung cancer. Somewhere along the way this account somehow went into the negative and fell onto the way side. When my mom finally passed on their became a huge dispute over my mother's estate and turned in to a huge legal battle lasting almost 3 years and costing me over $7,000. The main battle was trying to prevent a house that my mother owned, that was in my family since 1891 and built by my great-great grandfather from being awarded to her husband, who just wanted to sell it. This created a huge financial strain on my family and became the sole factor of my debt with TCF. My complaint is based on the fact I never got a response back, but this might have been due to the fact that it just got buried with thousands of other messages. I really hope that TCF can accept by debt forgiveness/cancelation request, issue a 1099-C to allow them to recover from the cancelation and help me recover from this financial hole this situation got me into. For the record, TCF was a great bank, who had good rates and excellent customer service. I would still be using them today as my bank today if I didn't have the huge legal battle that drained me both financially and emotionally. Please TCF, if you can do this, please forgive the $147.00 debt!

Desired Settlement: Please forgive the $147.00 debt I owe TCF and issue a 1099-C if TCF needs to.

Business Response: Initial Business Response /* (1000, 5, 2014/01/14) */ January 14, 2014 Mr. ******* ******** **************** Niles IL 60714 BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concern. Thank you for your candor in explaining your circumstances. When your account remained negative, TCF closed the account on December 18, 2009. The balance owing of $147.87 was sent to American Collection Corporation (ACC) for collection and the account was reported to ChexSystems for insufficient funds activity. Due to the circumstances, we have directed ACC to stop collection activities and are waiving the balance owed. We have also requested that your record at ChexSystems for this account be removed. It will not be necessary for TCF to file a 1099-C. Mr. ********, we hope this clarifies the actions that were taken with regard to your former account. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/17/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Charged 5 fees by TCF for being negative when I have proof I wasn't. Merry Christmas from TCF. Went to the bank two days ago and cashed in a $600 check. In the meantime had $23 in my account. Played it safe and didn't make any big purchases till I put the check in, and had a statement receipt printed proving I had the money. My online statement PROVES and SAYS I had $23 left, but TCF decided to fee me for transactions even though I had suffience funds. Called and rude CS rep insisted I was negative when I told her I was looking at the same screen in front of my face saying I was fine. I check my account online DAILY and NEVER ONCE saw it negative. She also told me I had another fee on the way. A total of $185 in fees. Decided to take a transaction AFTER I deposited the check, A DAY EARLIER, and told me I'd be getting a fee for that one tomorrow too. I don't know why TCF thinks they can pick and choose, or if they think I'm stupid, but even my online account says I'd be fine and I'd not be negative before Christmas right now if it wasn't for the fees. Thanks to them I have to run to some loan place nearby and pay loan shark interest, when I should have over $100 in my account right now. I'll be going to Chase Bank as of January 1st with my direct deposit. Fraudelent, dirty dealing "bank".

Desired Settlement: Money back in my account for 5 fees at $37.00 each = $185.00

Business Response: Initial Business Response /* (1000, 8, 2014/01/06) */ January 6, 2014 ********* ***** ************ Port Barrington IL 60010 RE: BBB case #******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You expressed concern that your account incurred overdraft fee when there were sufficient funds in the account to cover the transaction. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. TCF records indicate that on December 18, 2013 the balance in your account at the beginning of the nightly processing was $58.07. Pending authorized purchases and withdrawals which reduce your available balance for transactions that are going to post this night were $4.18 to DD/BR #301361 Q35 AR ILUS, $15.00 to Shell, $93.02 to WAL-SAMS, $22.46 to TOYS R US and $31.22 to 1460 GOLF ROAD. These transactions brought your final available balance to -$107.81. December 18, 2013 posted transactions that were then submitted from the final available balance were $4.89 to DD/BR, $5.06 to Jewel, $4.86 to Jewel and $20.05 to Planet Fitness, each incurring an overdraft fee. We have enclosed December's Notices of Overdrafts for your review. To assist you further, we have also enclosed a copy of our brochure, "What You Need to Know about Bank Service Charges and Overdrafts. " Between December 19, 2013 and December 24, 2013 your account incurred $296.00 in overdraft fees. TCF reversed $25 of these fees. Because you are a valued customer, we have waived an additional $148.00 of these fees. Ms. *****, we thank you for your long-standing relationship with TCF and trust this clarifies the activity on your account. Sincerely, ********* Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

1/17/2014 Billing/Collection Issues
1/17/2014 Delivery Issues
1/16/2014 Advertising/Sales Issues
1/16/2014 Advertising/Sales Issues
1/15/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: After a bank snafu with my last bank, TCF has shut my account down and reported me to Chexsystems for Fraud. this will be the one and only time they will be given an opportunity to remove their defamatory error without paying a judgment in addition to lawyer's fees.My complaint in short. I moved from my old bank to TCF. I closed my account with my old bank and wrote a check to my new account at TCF. My understanding was from my old bank that my account would close once it went to a zero balance. They apparently returned my check NSF then sent a letter saying they would process no more checks on the account and that they would issue my my remaining funds via check within 7-10 business days. Though this letter was provided to ****** the manager at the Taylor branch, they have not removed the defamatory notation and are leaving me with little choice but to remedy this matter in court.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want the erroneous defamatory notations reported to Chexsystems removed within 5 business days or i am filing suit for FCRA and FDCPA violations. Additional damages I will be seeking are emotional distress, defamation and all related legal and missed work costs to attend to this matter.

Business Response: Initial Business Response /* (1000, 8, 2014/01/03) */ January 3, 2014 ****** ****** *************************** Lisle IL 60532 Re: BBB case #******** Dear Ms. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. The online statements of posted transactions are always accurate; however, transactions are updated during our nightly processing. When checking your account balance online, you should refer to the "Current Balance Including Pending Transactions." This generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past 3 days. We generally process check card transactions based on date and time order as that information is passed through to TCF. TCF records indicate that on December 17, 2013 a transaction in the amount of $61.00 was presented for payment from checking account, ********** when there were insufficient available funds, incurring one $37.00 overdraft fee. We have enclosed a copy of your Notice of Overdraft for your review. Our records also show that you initiated a deposit on December 17, 2013 after the 2 PM cutoff for the end of the business day, which then posted on December 18. 2013. Between December 2, 2013 and December 18, 2013 your account incurred $222.00 in overdraft fees. To assist you we have reversed $111.00 of these fees. Ms. ******, we thank you for banking with TCF and look forward to meeting your banking needs in the future. Sincerely, ********* Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

1/13/2014 Advertising/Sales Issues
1/13/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Today I just received a letter from TCF national bank stating I was overdrawn $460.00. I opened a checking and savings account over a year ago. I put enough money in it (I think $25.00) in the checking account and was told that was ok. I did notice that money disappeared. But monthly I received statements showing I had a zero balance in both accounts. My was going to deposit money, however I was injured on my job last January and my salary was decreased for over 4 months and I am still trying to catch up with my bills from the summer, so no money. I am Disability retired and forced to work a part time job to try and stay in my modest home. I did not know this bank was going to close the account and tell me I was over drawn. How I never used the accounts at all. The statements I have received always stated I had a ZERO balance. Never a negative balance. Were did this over drawn balance come from?Am I being targeted because I am low income senior of age? This is outrageous. These representatives came to my job offering a great deals to the employees and what great financial institutions TCF National Bank was. I feel for the pitch, wait until I show this to them. Product_Or_Service: checking and savings account

Desired Settlement: DesiredSettlementID: Refund I would like to have my initial deposit back of $25.00 and money for this inconvenience.

Business Response: Initial Business Response /* (1000, 10, 2013/12/30) */ December 30, 2013 ******** ****** ****************** Denver, CO 80207 Re: BBB case #******** Dear Ms. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. TCF records indicate that TCF checking account, ********** was opened on January 15, 2013 with a balance of $50.00. On January 21, 2013 $25.00 was transferred to start savings account, **********. On October 28, 2013, November 19, 2013 and December 9, 2013 payments to Financial Literacy in the amount of $133.00 each were presented for payment when there were insufficient available funds, each transaction incurring a $37.00 overdraft fee. $25.00 was transferred back from your savings account to help the overdrawn balance. If you did not authorized these withdrawals you need to contact either the merchant or TCF Bank. You may call TCF at ************** or visit your neighborhood TCF branch to initiate an unauthorized transaction claim. We have enclosed statements from this account from opening to the most recent one for your review. Ms. ******, we thank you for banking with us and trust this information will assist you in understanding the activity on your account. Sincerely, ********** Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

1/10/2014 Delivery Issues
1/10/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: NSF fees I was charged 37.00 for a nsf which made my account go negitive and then got another one because it was in over drafted due to your 37.00 fee. This has happened twice and I want my whole account reviewed.

Desired Settlement: I want my over drafts returned to me because they were done wrongfully, you need to take the smaller amount first out and then the larger ones and then you should not take out monies and make it over draft because you took out a nsf and then charge me another 37.00 because of your error. Obama passed **** law last year.

Business Response: Initial Business Response /* (1000, 5, 2013/12/30) */ December 30, 2013 Ms. ***** ******** ****************** Lake In The Hills, IL 60156 Re: BBB Case # ******** Dear Ms. ********. Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the way in which TCF processes your transactions, specifically the order of posting. Our records indicate that we have previously communicated this policy to you in our July 3, 2013 correspondence. For a more in-depth explanation of this policy, please refer to pages 20 and 21 of the enclosed Terms and Conditions. At TCF, we strive to help our customers avoid fees whenever possible. As such, we encourage you to review the enclosed What You Need to Know about Bank Service Charges & Overdrafts notice. This notice explains how TCF charges NSF fees as well as how you may avoid them. Our records show that, between December 18, 2013 and December 24, 2013, your account was assessed $185 in NSF fees. These fees are the result of transactions posting to your account when you had insufficient available funds. We have enclosed copies of your recent overdraft notices which show how your available balance was affected by each transaction on the days where your account experienced insufficient funds activity. It is important to remember that TCF deducts the amount of your pending debit card transactions as soon as we receive authorization for the transaction, and the funds are no longer available to you. While a careful review of your account does not reveal any instance of bank error, to assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. Please note that, due to our previous assistance with NSF fees, we are unable to reverse additional fees that are not the result of bank error. While we make every effort to help customers avoid NSF fees, it is ultimately the responsibility of the customer to ensure that there are sufficient funds prior to authorizing debit transactions. Your current overdraft elections authorize TCF to pay overdrafts on your ATM, everyday debit card, check, ACH, and transfer transactions. Changing your election(s) may help you avoid future NSF fees, and you may do so at any time by visiting your local branch or by calling **************. Ms. ********, I trust that I have adequately addressed your concerns and hope this additional information assists you with your account. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

1/9/2014 Advertising/Sales Issues
1/8/2014 Problems with Product/Service
1/6/2014 Advertising/Sales Issues
1/6/2014 Advertising/Sales Issues
1/6/2014 Advertising/Sales Issues
1/2/2014 Problems with Product/Service
12/20/2013 Billing/Collection Issues
12/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They charged me an overdraft fee of $37.50 for a purchase of $3.88 when I had $50 in my account when I made the purchase. I had $50 and some change in my account the morning I went to McDonalds and made a $3.88 purchase. I came to my office and checked my account and saw that although the transaction was pending, if WAS deducted from my account leaving me a balance of $46 and some change. Later that afternoon I went into a TCF branch (downtown) and withdrew $160.00 knowing that I would have to pay an overdraft fee for that transaction since I only I $46 and some change in my account. I checked my account today and the bank put the $160 transaction first and deducted their $37.50 fee and then put through the $3.88 transaction just to charge me an additional $37.50 overdraft fee. This practice is not right. I have no problems paying overdraft fees that I owe but this one is not right. I spoke to a ******* on the phone who works for TCF and was told they will only reimburse me half of the overdraft fee. That is not sufficient. I am owed the full fee returned to me of $37.50. Pleas help.

Desired Settlement: The full overdraft fee of $37.50.

Business Response: Initial Business Response /* (1000, 5, 2013/12/18) */ December 18, 2013 Ms. ********* **** *********************************** Chicago, Illinois 60649 Re: BBB Case # ******** Dear Ms. ****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern over the way TCF processes transactions on your account. On December 9, 2013, your used your debit card to make a purchase at McDonald's. At the time you made your purchase you had sufficient funds in your account, so TCF authorized the transaction. However, when the transaction was later submitted to TCF for payment, you did not have sufficient funds. As such, you were assessed an NSF fee for this transaction. Once TCF approves ("authorizes") a debit card transaction, it can generally take up to 3 business days for it to reach TCF for payment ("settlement"). So, while your available balance may be enough to cover a transaction when we authorize it, that does not mean it will be enough at settlement. If your available balance at settlement is not enough to cover a transaction we have already authorized, you may incur an NSF fee. We have enclosed your recent overdraft notices and our What You Need to Know about Bank Service Charges and Overdrafts notice. This notice explains, in details, how NSF fees are assessed to your account and how you may avoid them. Our records show that, between December 10, 2013 and December 12, 2013, your account was assessed $74 in NSF fees. These fees are the result of transactions posting to your account when you had insufficient available funds. TCF has already reversed $19 of these fees. To further assist you, and because you are a valued customer, we have reversed an additional $18 in fees. This transaction will appear as a credit on your next statement. Ms. ****, I trust that I have adequately addressed your concerns and provided you with useful information that will assist you in maintaining your account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/18/2013 Advertising/Sales Issues
12/18/2013 Advertising/Sales Issues
12/16/2013 Delivery Issues
12/16/2013 Advertising/Sales Issues
12/16/2013 Problems with Product/Service
12/11/2013 Billing/Collection Issues
12/11/2013 Advertising/Sales Issues
12/10/2013 Advertising/Sales Issues
12/9/2013 Problems with Product/Service
12/9/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Mishandled money, falsly submitted me to chexsystems, misuse of the banking systems, opened bank accounts without my consent. The issue started the first day we opened the accounts with TCF bank. We opened a joint checking (my husband is NOT in Chexsystems just to add to the bizarre events that unfolded). 3 days later I deposited a personal check from our old account and a payroll check. The branch supervisor (card attached) ******** opened a second checking account without my permission and put half of the money into the "new" account and half into the original account we opened. When I got home I was even more confused by what had just gone on. Not trusting this branch I immediately visited another location to ask about the odd behavior of ******** (that's when I was informed there was a second account). The new banker I was speaking with **** (card attached) said that is not normal practice and she would help me close that account as soon as the balance was at 0.00 (new account/checks on hold). That same day I called to close my old checking account which is located in WI. That's when I found out they had already closed the account (it was closed on a Friday I made the deposit Sat. and caught it Monday) and sent me the paperwork and cashier's check for the final balance. Knowing this BEFORE it came back to the new TCF account I went into the location and spoke with ********. At that time she took the cash deposit to cover the fees from the check that was being returned and assured me she would handle it as it was NOT intentional and I caught it beforehand. She didn't. There was never a negative balance and after that initial issue things quickly unraveled. The follow is what these employees have done: * "Lost" 3 different cash deposits (see attached receipts proving they were made) * Temp credited "lost" cash after being called by second branch involved asking where the money was. Entered credit twice and issued adjustments again. (see attached receipts for both) * Returned checks when money was in the account * Rejected auto pays when money was in the account * Returned both of our direct deposits (and after we proved they were sent to the right account from our employers) * Returned credits that were issued to our cards from returns to retailers * Closed and reopened the accounts 3 different times * After we closed the accounts (see attached paperwork proving we closed them as they are saying they did) instead of paying the last outstanding check I had for $400 they sent it back leaving $400 in cash in the account that I had to return to the branch to again (for the second time now) close the account. What makes this situation even worse is *** (assistant branch manager, card attached), ******** (supervisor, card attached) and the actual branch manager started blatantly lying to me and my family about all of this and blaming each other for their mistakes. ******** would ask we come in to fill out paperwork to remove us from Chexsystems then we would show up and *** would pretend she had no clue what we were talking about and start blaming the branch manager for not doing her job (which she doesn't). Then when I called the branch manager, she would blame ***. Currently the regional manager as left me a voicemail after I sent her the same paperwork I am sending you. I was also letting her know that her staff has some serious issues with "lost cash" as other customers were in the branch the same time this happened to me claiming the exact same thing. She said because the check was written (even though I caught it and paid it AND the account was reopened) and came back she will not remove it from Chexsystems. It's also listed as "suspicious fraud activity" obviously if I'm attempting fraud I wouldn't be paying it before it even came back. This bank has an already horrid reputation in this state and not being from here have had to learn this lesson the hard way.

Desired Settlement: Immediately be removed from chexsystems, an apology from the branch and the regional manager for the significant loss of money and time for their poor behavior and practices. A further investigaion to their business practices/ethics at that branch.

Business Response: Initial Business Response /* (1000, 5, 2013/11/27) */ November 27, 2013 Ms. ***** ******* *********************** Osseo, MN 55369 BBB Case # ******** Dear Ms. *******, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and the service you received. We appreciate the opportunity to address your concerns. It is our goal to provide service which is efficient, knowledgeable and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concerns. It is our understanding that the Region Manager, ***********************, has tried to contact you to discuss your concerns but has been unable to reach you. In regards to your concerns regarding the ChexSystems record, due to the circumstances, your account record with ChexSystems for accounts ********** and ********** have been removed. Ms. *******, we are sorry for these circumstances and any inconvenience you may have experienced Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/6/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: CLOSED MY ACCOUNT WITH NO EXPLANATION AND NOW HAS BLACKLISTED ME! My account was closed, I was not notified prior, given any phone calls, etc regarding my account. My account was closed and now I can no longer open up an account with TCF and I was reported to Chex Systems. The account does not have a negative balance nothing is owed!

Desired Settlement: I like TCF and would like to bank with TCF. When I went to open an account with your bank there was a pop up saying that I can no longer open account. I just would like to continue my banking relationship

Business Response: Initial Business Response /* (1000, 5, 2013/11/20) */ November 20, 2013 Ms. ******* **** ******************* Matteson, IL 60443 Re: BBB Case # ******** Dear Ms. ****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the reporting of your former account and your recent attempt to open a new TCF account. Our records indicate that the balance owing for your former account is no longer being collected and is also being reported as paid in full with ChexSystems. At this time, the reporting related to your account activity prior to closure is accurate based on the transaction history. TCF's decision to begin or continue a banking relationship with our customers is based on account performance and the overall account relationship. Based on your previous account history, TCF does not wish to establish a new account relationship with you. We apologize for any inconvenience this may cause you. Ms. ****, I trust that I have adequately addressed your concerns and clearly explained the status of your former account. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/6/2013 Billing/Collection Issues
12/6/2013 Problems with Product/Service
12/6/2013 Advertising/Sales Issues
12/5/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I have no outstanding debts or collections with your bank and have an active account but can not open other bank because it is flagged red? I have no outstanding debts or collections with your bank and have an active account but can not open other bank because it is flagged red? I have been working with ***** at the buffalo grove, il location for 8 weeks now as I want to open another account, as I have a checking and I want a savings. I was told that it was red flag to a check that came back from an account that was closed. And that the fraud department has my name flagged. I have no accounts in collection and no accounts that are in the negitives and would like to open another account, but no one seems to know what to do. The lady at the buffalo grove brand keeps teling me she has emailed her district manager but she is either doesnt answer or off. This has been going on for 2 months and I would like this settled and able to open another account or add my name to my husbands account.

Desired Settlement: please see above, would like to open another account or add it to anothers.

Business Response: Initial Business Response /* (1000, 5, 2013/11/21) */ November 20, 2013 Ms. ***** ******** ************* Crystal Lake, IL 60014 Re: BBB Case # ******** Dear Ms. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern that you are unable to establish a new account relationship with TCF. TCF's decision to establish a new account relationship with a customer (current or new) is based on previous and/or current account history and performance. Due to your previous account performance, TCF would not establish a new account relationship with you. As such, you will not be able to open new accounts or be added to existing accounts with TCF. We apologize for any inconvenience this may cause you. Ms. ********, I trust that I have adequately explained the reason you are unable to open an account. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau Final Consumer Response /* (3000, 7, 2013/11/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have been a customer for years... And all my accounts have a positive balance and the check that they said was drawn from another account was due to another bank closing an account which I was not aware of. I made good on that account and it was closed with no issues and it was something that happened years ago. So I would like to open another account or be added to another account. And further more if this was an issue .... Your are wrong about opening another account because you did for my husband. So I think you need to rethink the statement above. Final Business Response /* (4000, 9, 2013/12/05) */ December 5, 2013 Ms. ***** ******** ************* Crystal Lake, IL 60014 Re: BBB Case # ******** Dear Ms. ********, Your additional inquiry filed with the Better Business Bureau has been forwarded to TCF for response. After further review of your account history, TCF has made the decision to remove the restrictions which prohibited you from opening a new account or being added to an existing account at TCF. Ms. ********, I trust that I have adequately addressed your concerns. Thank you for your patience while we conducted an additional review of the matter. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

12/3/2013 Billing/Collection Issues
12/3/2013 Problems with Product/Service
12/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: unexplained policies of how you rearrange how charges are processed through my personal checking. I am really disappointed in how your computer systems rearranges how the charges I make for your companies benefit. You switch the charges I make from day to day. if you post them in a order one day I think it is unethical to alter them so you can make overdraft charges to your profit. is it legal to alter charges when they appear on my online account? if so is this is not made clear when I call customer service. when I ask why they make changes to the order they appear the customer service rep said you do that so people don't over draft. I find you change my order of charges to your profit so I want to know where in your policies that I have read, where is it listed?

Desired Settlement: an explanation why they bank can change the order of charges to a persons account without notifying the customer?

Business Response: Initial Business Response /* (1000, 5, 2013/11/18) */ November 18, 2013 Ms. ***** ******** ********************* Saint Paul, MN 55107-2251 Re: BBB Case# ******** Dear Ms. ********, Your recent inquiry filed with the Better Business Bureau has been forwarded to TCF Bank for response. We regret that you are dissatisfied with your account and appreciate the opportunity to address your concerns. You expressed concern over the way that TCF processes transactions on your account. We generally processes check card transactions based on date and time order as that information is passed through to TCF. Check transactions are posted in low-to-high order, based on the check number. TCF generally does not "reorder" transactions from high-to-low. Per TCF's Terms and Conditions for Checking and Savings Accounts (copy enclosed), all TCF customers' are subject to the same order of posting rules. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct pending check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated November 7, 2013 (copy enclosed), your beginning available balance after all deposits and other credits was $57.40. From this balance, we first subtract any pending transactions; in this case, you had four pending transactions (Starbucks, Happy Nails, Peterson Popcorn, and POS 6666 Cahill) totaling $86.09. After this initial step of subtracting your pending transactions, your available balance was negative -$28.69. We then subtracted the transactions that were posting; in this case, you had one posting transaction (El Burrito Market) totaling $6.45. Your ending available balance after pending and posted transactions was therefore negative -$35.14, which was why your account incurred an overdraft fee. Review of your account shows that on November 8, 2013 you incurred a $37.00 overdraft fee because of insufficient available funds for transactions that processed on your account. Because you are a valued customer, we have reversed this fee. You will see this credit on your next statement. We have also enclosed a "What You Need to Know about Bank Service Charges and Overdrafts" handout for your review. This is a great resource to assist customers with avoiding or reducing service fees. Ms. ********, we appreciate having had the opportunity to clarify why you incurred an overdraft fee on your account. Sincerely, ********** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

11/27/2013 Advertising/Sales Issues
11/26/2013 Billing/Collection Issues
11/25/2013 Problems with Product/Service
11/22/2013 Billing/Collection Issues
11/18/2013 Problems with Product/Service
11/18/2013 Advertising/Sales Issues
11/18/2013 Problems with Product/Service
11/18/2013 Problems with Product/Service
11/18/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I opened an account with TCF Bank and they lost some paper work signed. This contract that was signed was to protect me in case I spent more then I had in my checking account. It was supposed to take money from savings to cover the over charge. But they lost that paper work and now I have no protection and they tacked on an overdraft charge when I spent too much money on checking but had more then enough to cover it in savings. I should not be held accountable for charges that is caused by there mistakes.

Desired Settlement: I would like a refund for charges caused when there was money still in savings to cover charges from checking. Plus a little for all the hassle and rudeness received from TCF Bank when I called and tried to get it figured out.

Business Response: Initial Business Response /* (1000, 5, 2013/11/07) */ November 7, 2013 Mr. ***** ******* ******************* Apt. #*** Waconia, MN 55387 BBB Case # ******** Dear Mr. *******, Your inquiry to the Better Business Bureau has been forwarded to TCF for response. It is our goal to provide service which is efficient, knowledgeable and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concerns. In your letter you site concerns about paperwork for the Overdraft Protection Transfer Service that was not processed, resulting in overdraft fees to be incurred. Our records indicate that between October 24, 2013 and November 05, 2013 your account incurred $333.00 in overdraft fees. On November 02, TCF reversed $74.00 of these fees. Due to the circumstances, we have reversed the remaining $259.00 in overdraft fees. This transaction will appear as a credit on your next statement. Mr. *******, thank you for bringing this matter to our attention. We value your relationship with TCF and will strive to renew your confidence. Sincerely, ********* Customer Response Representative Cc ***************, Operations manager, Better Business Bureau

11/15/2013 Advertising/Sales Issues
11/15/2013 Billing/Collection Issues
11/11/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Fees assessed an misinformed by multiple reps of the policy and remedy There was an unauthorized charged assessed an I promptly contacted customer service requesting provisional credit to avoid fees being assessed an then advised once documentation received credit would be applied to avoid any fees. Those fees were in fact charged over drafting my account further, which required me to make a deposit to avoid additional fees. After proof submitted to the branch within 48 business hours, I was then advised follow up over the phone and the resulting NSF charges would be reversed immediately. After waiting another 3 days I again called an requested a supervisor who advised sorry but we can not reverse any fees at this time regardless of what you have been told because it is still an open case. The fact of the matter is I was given 3 different answers an this is not the first time this has occurred between the branch reps an telephone agents I have also been given varying responses with regard to the hold time on checks to clear when I initially opened my account and from day to day repeatedly made trips to the branch after speaking with agents only to be turned away for over a week waiting on funds to be made available. There is a disconnect with company policies between what telephone agents state an branch representatives.

Desired Settlement: Fees assessed to be reversed immediately because proof has already been submitted that credit from company issued back resulting from the initial charge

Business Response: Initial Business Response /* (1000, 5, 2013/10/30) */ October 29, 2013 Ms. ***** ***** **************************************** Greenfield, Wisconsin 53220 Re: BBB Case #******** Dear Ms. *****, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding your unauthorized transaction claim. When processing unauthorized transaction claims, TCF will assess whether or not a provisional credit is required within the first ten business days that your claim is open. If a provisional credit is required, fees that are the direct result of the disputed transaction will also be reversed. We apologize for any miscommunication there may have been that led you to believe you would automatically be issued a provisional credit and reversal of any fees. Our records show that your claim was closed on October 25, 2013 and TCF did not pay your claim. The reason for this decision was because the disputed transaction is part of an agreement between you and the merchant. Visa regulations require that you first attempt to resolve the issue with the merchant. However, TCF will still attempt to recover the funds on your behalf. Our records further show that, on October 17, 2013, your account was assessed $74 in NSF fees. To assist you, we have reversed these fees. This transaction will appear as a credit on your next statement. Ms. *****, I trust that I have adequately addressed your concerns and clearly explained the status of your unauthorized transaction claim. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

11/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Trying get disbursment from IRA. After exceeding 5 bus days asked to wire. Refused to waive fee even though all docs sent and 3 follow up calls. Submitted all document on Thursday 10/10 and confirmed all received. Got call from office on Wed 10/16 asking for more info. I was travelling internationally so the call went to Voicemail. Called back (from Irealand while travelling) and completed info and ASKED CLEARLY - do you need any more info. "Do you have what you need to proceed" Waited for funds. Called back on 10/22 and re-sent IRS forms and spoke to manager Tim Stacy. Asked him to "Do the right thing" and waive $25 Wire fee. Stated he wouldn't unless I can prove that I faxed the docs on 10/10. I stated that I had made 3 calls and not ONE stated that there were docs missing. Repeated asked the manager to waive the $25 wire fee due to the inconvenience. I told him that it was Day 5 PAST the 1-5 busienss days. Explained to manager that the right thing to do to avoid complaints and company time spent addressing complaints would be way more than $25. Manager stated - funds will be there in 1-2 business days after 10/22. 10/25 called again as still no funds. This is 3 business days after promised 1 - 2. Rep confirmed that would be here on Monday or Tuesday. One to 2 business days was promised after my third call. 5 business days will be delivered. And the bank could have avoided angering the customer for $25 fee waiver. This company did NOT do the right thing or thing this through. I am a consulant and bill $45 per hour to handle banking issues. This leaves me out of pocket $90 in time spent dealing with this issue over and above the time the bank promised to execute. Ultimately - this bank failed this customer. They felt that the right thing to do was to ignore thier own established SLA.

Desired Settlement: $250 I would seek a $100 payment in lieu of time spent over and above normal parameters. Roaming calls while on vacation $10. Loss of priveleges due to the money not delivered as the original request was to fulfill a debt - $140 That deadline was missed and other bank fees which were assessed because the money was not available for withdrawal. This bank simply were not thinking things through. In banking and customer service there are some things that banks need to do to make things right. The simple offer of waiving the $25 wire fee would have made all of this alright but a so called superviser felt that it was better to save the bank $25.

Business Response: Initial Business Response /* (1000, 5, 2013/10/30) */ October 30, 2013 Ms. **** ******* ******************* Wilmington, DE 19805 Re: BBB Case # ******** Dear Ms. *******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding your IRA distribution and that you were assessed a $25 wire fee. Our records do not indicate that you were assessed a $25 wire fee by TCF, but you were initially assessed a $50 exit fee for closing your IRA. Our records show that you were contacted by our IRA agent, ******, on October 25, 2013. He explained that your account would be closed on that day, and the funds would be distributed to your Citibank account. He also confirmed that he would reimburse the $50 account closing fee and that a check for this amount would be sent to you. While we sympathize with your situation, we are unable to compensate you for time spent resolving this matter. We apologize for any misunderstanding there may have been regarding your request to have your IRA closed and are glad to see that your concerns regarding your IRA have been addressed. Ms. *******, I trust that I have clearly explained the recent activity regarding your IRA. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

11/8/2013 Advertising/Sales Issues
11/5/2013 Billing/Collection Issues
11/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Unwarranted TCF NSF fee On Friday, 10/11/13, a $2000 ACH (bank-to-bank) transfer was initiated from another bank into TCF to accommodate an upcoming check payment. Late Saturday, 10/12/13, a paper check was mailed from my home mailbox in the amount of $713.18. The mailed paper check was somehow already posted on TCF's system by Tuesday, 10/15/13, while the wholly electronic bank-to-bank transfer was not reported posted until some time the following day, Wednesday, 10/16/13. The TCF online account ledger indicates the account balance supposedly went negative on 10/15/13 and a $37 NSF fee was imposed on 10/16/13 - the same day the $2000 inter-bank transfer belatedly posted, immediately rendering the entire NSF scenario moot. Necessary and reasonable steps were taken to ensure payment would be available in a timely fashion for a check written and mailed after the ACH transfer was initiated. Yet, somehow, the paper check was received by the payee via mail (with the post office actually being closed on 10/14/13 due to the federal Columbus Day holiday), deposited to the payee's bank account, presented to TCF by the payee's bank, and then fully processed & posted by TCF a day before the electronic ACH transfer was ultimately acknowledged. The timing of this sequence of events borders on the inconceivable. TCF's phone-in customer support indicates that a paper check might be processed this quickly, but only if the depositor was another TCF client. However, the check endorsement clearly shows the payee to be a client of a different bank. Therefore, one is led to conclude that either the ACH transfer of funds was somehow delayed or the check was somehow posted back-dated to 10/15/13, thus generating the NSF charge. Please note that the account being subject to the NSF fee is set up to send immediate alert notification via direct e-mail whenever the account balance falls below $500. No such message was issued on 10/15/13 (the day the account balance was supposedly negative) or on any day since. How is this possible? Again, in light of this messaging anomaly, one is left only to conclude that the stated sequence of postings was somehow back-dated to 10/15/13. A related observation corroborating these suspicions is in regard to an online customer account ledger balance that constantly changes. As an example, as late as the early a.m. of 10/22/13, a week after the NSF incident, TCF's online account ledger showed a posted balance of $-366.50 for 10/15/13, the day of the supposed NSF. However, on the eve of 10/22/13 the same ledger line now shows a posted balance of $-166.50 for 10/15/13. How is this possible? How can "posted" ledger detail show two completely different amounts on the same day a full week after the initial posting? This is just one particular instance of many such posted account ledger balance discrepancies that have been observed and constitutes disregard for the calculation and display of the client's available funds and historical accounting of the customer's account status. This leads one to conclude that TCF's accounting is for whatever reason suspect, especially all the more in cases where onerous and unwarranted penalties are being generated. In summary, the sequence of the ACH funds transfer & posting accounting, as implied by TCF, strains credibility, the notification alert system apparently does not work as stated, and the online ledger is next to useless for either real-time balance determination or historical accounting. One would sincerely hope TCF takes timely steps to correct these technology and process shortcomings.

Desired Settlement: Full NSF fee refund

11/4/2013 Delivery Issues
11/1/2013 Problems with Product/Service
11/1/2013 Billing/Collection Issues
11/1/2013 Advertising/Sales Issues
10/30/2013 Problems with Product/Service
10/30/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: TCF Bank orders debit transactions on my checking account to their benefit,to maximize the amount of NSF fees they can collect from me! Account no. ********** I have had this issue several times over the past year. Having been faced with financial struggles, I received a few NSF fees, something that has rarely occured over the course of the 15 years I have had this account open. Upon further investigation and several calls to customer service ( most of whom were completely rude with me), I discovered that TCF is ordering my debits to their benefit, to maximize the number of NSF fees they can assess me. They have done this when I have had an automatic payment set to come out of my account, for which there is no real "time" assigned to, just a date. They claim an automatic debit went through just before a debit card charge, allowing them to collect two nsf fees ( or more in my case). For example, if there were two transactions waiting to go through, one being $8 and the other being $100, and my balance was less than $100, they would put the larger one through first, making the account negative, and then put the $8 charge through, causing a second NSF fee. In addition, a second issue I have is that they offer no overdraft options to me, to avoid the NSF situation! Other banks offer options to transfer money from your savings when your account is in threat of going negative, they dont! So, they have charged me NSF fees while I had plenty of money sitting in a savings account at their bank to cover it! My third, and final issue, this bank has offered me to select for debit card transactions to NOT go through if there is not enough money to cover it, yet last week they allowed two charges through, both of which they will charge me NSF fees. Please note, on october 9, three transactions hit my account, one visa debit charge in the morning, one visa debit charge at 7:40 pm, and one direct auto payment. Of course, they put the largest one first, to put my account into negative status, then posted the other two, which were each under $10! Both of those would have went through fine if they were posted first!

Desired Settlement: My account going negative may have been my fault, and I will pay one fee.But when you abuse loyal customers by rearranging transactions for your own benefit and continue to collect more fees, thats when I will chose to go to another bank. Some of the fees you charged me were for going negative by a few dollars. I've been with TCF for 15 years, and your customer service reps are very lacking in the ability to take care of loyal customers. I would like a refund for the fees that were charged to me.

Business Response: Initial Business Response /* (1000, 5, 2013/10/18) */ October 18, 2013 ***** ****** ******************** Homer Glen IL 60491 BBB Case # ******** Dear Ms. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You expressed concern that your account incurred overdraft fees when there were sufficient funds in the account to cover the transaction. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. In arriving at your available balance, we deduct outstanding check card authorizations and check deposits that are not yet available for withdrawal. In the notice dated August 12, 2013 (copy enclosed), your beginning available balance was $365.76. To this balance we first add any deposits made; in this case the ATM deposit of $32.05. Your available balance was then $397.81. From this balance we subtract the transaction that was pending; in this case, the transaction for $92.21. Your available balance was then $305.60. Then we subtracted the transactions that were posting; in this case the six transactions totaling $355.64. Your available balance after pending and posted transactions was therefore negative -$50.04, which is why you were assessed an overdraft fee. Because you are a valued customer, we have reversed this fee. TCF's Terms and Conditions for Checking and Savings Accounts states that our current practice is to process transactions for each business day generally as follows: 1. Deposits made before the cutoff time. 2. Certain priority withdrawal before others (for example, wire transfers, electronic bill payments, teller withdrawals and checks you write that are deposited into a TCF account or cashed in a TCF branch). 3. Check card transactions based on date and time order as that information is passed through to TCF by the merchant. 4. Checks in check number order from lowest-to-highest. 5. Automated withdrawals. You also expressed concern with having funds transferred from your savings account when needed. TCF does offer an Overdraft Protection Savings Transfer Service that automatically transfers funds from a savings account to a checking account when items (such as checks, check card transactions or other withdrawals and transfers) that post to the customer's checking account exceed that account's available balance. This service is available to customers who have a checking and savings account with the same name. Enrollment in the service is free; however, there is a transfer fee. TCF records indicate that you are not currently enrolled. Our records also indicate that you have asked TCF to decline your ATM and everyday debit card transactions that exceed your available balance at the time of the authorization request. You have authorized TCF to pay checks, ACH transactions and electronic transfers that exceed your account's available balance at the time of the authorization request. Please visit your local branch is you wish to change your elections. Further review of your account record indicates that between October 10, 2013 and October 14, 2013 you incurred $74.00 in overdraft fees. To further assist you, we have reversed these fees. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering. We value your relationship with TCF. Ms. ******, we appreciate your letter and trust we have responded to your concerns. Sincerely, ********** Customer Response Representative Cc: **************** Operations Manager, Better Business Bureau

10/29/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Several years ago I opened my business account with TCF Bank (account #********** **************************************) because they had no fees. I noticed the last few years they stopped sending me statements.I use their facility to exchange money on the weekends when most banks are closed. The last time I checked I had a balance of $110.98 On Sunday October 28th 2013 , I was told by the teller that she cannot exchange money because my account was closed . On Monday the 30th I stopped in the branch and spoke to the branch manager, ************** who informed me that my account was closed by TCF for being inactive and that the balance was used up for monthly fees. I was never informed in any way that they imposed any fees, not a letter, nor e-mail or phone call. The branch manager informed me that she would have the vice president ****************** call me regarding this matter. I did not receive a call from him, so after a few days I called him and left a voicemail, but did not get a return call. Product_Or_Service: Missing Cash balance Account_Number: **********

Desired Settlement: DesiredSettlementID: Replacement I want my balance returned to me before any fees were taken out.

Business Response: Initial Business Response /* (1000, 11, 2013/10/17) */ October 17, 2013 ************************************ ****** ******** ****************** Prospect Heights IL 60070 BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern. TCF records indicate that you opened your account on July 1, 2002 as a Free Small Business Checking account. You enrolled your account in Online Statement on November 12, 2003, which means you no longer received paper statements in the mail. In your September 30, 2011 statement, notice was provided stating that the qualifications to avoid the monthly maintenance fee would change. You could avoid the monthly maintenance fee if you met one of the following requirements: * 15 or more qualifying withdrawals during the statement cycle * $2,500 average monthly account balance Our records further indicate that between December 2011 and June 2013 you incurred $94.05 in monthly maintenance fees. In your January 29, 2013 statement we provided notification that there had been no activity on your account for 11 months or longer and a $10.00 monthly dormant fee would be assessed if there was not a deposit, transfer or withdrawal before the start of your next statement period. Between February 28, 2013 and August 30, 2013 you incurred a total of $61.48 in dormant account fees when there were no transactions made. When the fees reduced your account balance to zero, TCF closed your account on August 30, 2013. We apologize for any miscommunication that may have occurred regarding this process Based on my conversation with Region Manager**************, I understand that he spoke with you, by phone, regarding your concerns. He also indicated that a $155.53 credit will be going into your new personal checking account. Mr. ********, again, we appreciate your letter and trust we have responded to your concerns. Sincerely, ********* Customer Response Representative Cc: ****************, Operations Manager, Better Business Bureau

10/25/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Exorbitant bank fees !!! Poor customer service! A total of eight service fees ($222) were charged in a very limited time frame. Two of the fees did get waived, but the expectation was that at least four of them would have gotten waived after going to the bank twice and calling customer service multiple times. A check was returned only to have a transaction go through with a higher negative balance. A less than $5 charge had a $37 fee. A less than $15 charge had a $37 fee. The local branch was not authorized to help and the most competent customer service associates refused to waive any additional fees. I would encourage the BBB to warn consumers about these exorbitant fees and would like TCF bank to refund at least $74 more. This checking account will be closed once a positive balance is restored until TCF responds appropriately. Thank you

Desired Settlement: Ideally, $148 in service fees would be waived. I would say the TCF responded appropriately if they waived $74 more.

Business Response: Initial Business Response /* (1000, 5, 2013/10/23) */ October 23, 2013 Mr. **** ****** ******************** Streamwood, IL 60107 BBB Case # ******** Dear Mr. ******, Your inquiry filed with Better Business Bureau has been forwarded to TCF for response. It is our goal to provide service which is efficient, knowledgeable and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concerns. In your letter you cite concerns about the service you received when discussing your request for assistance in reconciling your account. TCF believes that service is the most important component of a good banking relationship, and we apologize if you do not feel this was the case. TCF records indicate that between October 8, 2013 and October 15, 2013 you incurred $296.00 in overdraft fees. On October 16, 2013 TCF reversed $74.00 of these fees. Because you are valued TCF customer, we have reversed an additional $148.00 in overdraft fees. This transaction will appear as a credit on your next statement. Mr. ******, we thank you for taking the time to inquire about your TCF account, and trust that this reimbursement will assist you in reconciling your account. Sincerely, ******** Customer Response Representative Cc ***************, Operations manager, Better Business Bureau

10/25/2013 Problems with Product/Service
10/25/2013 Advertising/Sales Issues
10/21/2013 Billing/Collection Issues
10/18/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was sold a baloon loan in 2004, but it was described to me as a 30 year with a 7 year arm. TCF now refuses to refinance or modify. In 2004, I refinanced my home at ********************* in Round Lake, IL 60073, with TCF National Bank with loan number *************. I spoke with TCF Representative ***********. The way that he explained the loan to me was that it was a 30 year loan with a fixed rate for 7 years. Afterward, it was my understanding that the rate would float. I moved out of that house in 2010 and began renting the place, because the value was so far underwater I could not sell it. Sometime around December of 2011, I noticed that my direct withdrawal for the mortgage did not go through. I contacted TCF Bank, who told me that I had to pay off the remainder of the balance, which was approximately $132K at the time. It was explained to me at that time that what I had was actually a balloon loan. I spoke to ************** of the Mundelein, IL TCF branch. On a different note, ******* was never quick to get back to me. He would take weeks to months throughout our dealings and would always tell me either he or his boss had been on vacation. That was very aggravating for me, but is not the main source of my frustration. I spoke to ************** and he informed me that TCF would not refinance the loan with me. I checked other options, but because TCF is not backed by the federal government, I did not qualify for HARP and no other company would touch my loan, because the value of my house had gone so far below the loan amount (approximately $85K with an approximate loan amount of $132K). I checked back with *******. He said the only option he had was a loan modification. I had no other choice except to default on my loan or pay off the loan amount. I accepted the modification with the same APR (6.29%), which was almost double what I should have been refinancing for at the time, and it was another balloon loan that would have to be paid off in 7 years. On February 8th, 2013, I paid $10K toward the loan with money I had been saving up and went back to **************. I told him that I would pay off the balance until it was equal with the value of my home and refinance with someone else if TCF did not refinance me. It was understood at the time that this was a rental house which comes into play later. He said he would contact his boss and see what he could do. He told me it would be several weeks before he got back to me, because his boss was on vacation. I checked back with ****** in March, and he told me his boss had just gotten back from vacation, so he did not have a chance to ask him about the loan yet. He called me in April and told me he had gotten me approved for a lower interest rate of 4.99% or so on a 30 year fixed, to be paid off in 20 years. I had already paid off 10 years of the balance since the time I had gotten the modification. He had some other things he had to do to get the loan finalized and would get back to me. I did not hear back from ****** until June 17th or 18th at which time he called me to ask if my home was a rental property or my primary residence. I told him that it was still a rental property, just like the first time we spoke. He told me TCF could not do anything for me due to new government regulations, and I was essentially stuck with the balloon loan. I was originally attracted to this refinance loan in 2004 due to their being no closing costs and no PMI. I feel like Hundt sold me this loan using shady practices, not properly explaining to me how the loan actually works. TCF, now, refuses to help assist me in refinancing or modifying the loan, knowing that no other bank will help me, because the loan isn't federally backed, and also knowing that in 7 years, they can force me into another modified balloon loan that starts at the beginning of the amortization table, at which time I'll be paying them the maximum amount of interest. They know I'll be stuck in this loan forever, or until house values rise drastically. Thank you for your time.

Desired Settlement: I would like TCF to recognize that I was sold a product by their employee that was not what I was told it would be. Due to that, I'm stuck in the situation that I'm in. I would like to be treated like a customer that has made my payments on time for the last nine years and is in a bind, because the housing market crashed. I would like to be treated like a customer that has a mortgage and three bank accounts with them for several years--a guy that works hard and takes care of his financial obligations. I'm not some jerk that just walks away on his loan like many people are doing. They can accomplish this by refinancing my loan or modifying it to a 30 year fixed with a current interest rate. Thanks.

Business Response: Initial Business Response /* (1000, 5, 2013/10/10) */ *************** Operating Manager Better Business Bureau of Minnesota and South Dakota 220 S. River Ridge Circle Burnsville, MN 55337 Re: CASE # ******** Dear Ms. *******: We have reviewed the complaint. Due to the fact that the collateral property is now a non-owner occupied residence, we are unable to refinance or modify the loan. The customer does not qualify for a hardship modification, because he is not experiencing a hardship; as evidenced by the information provided at the time of application. At this time, there is nothing else TCF Bank can do to reduce his interest rate or extend his term beyond the December 7th, 2018 maturity date. Sincerely, ************* Senior Vice President Retail Lending (A copy of this letter will be mailed on 10/10/13) Final Consumer Response /* (3000, 7, 2013/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) First of all, I don't believe there is nothing they can do to help me. I think TCF knows that I am stuck in a bad spot, and no other bank will assist me due to my house being so far under water and their company not being affiliated with Fannie Mae or Freddy Mac. So they have me where they want me and can keep me in the bad loan, because I have no one else that can help me but them. They know that in 2018, when this loan is up and I'm forced to come up with the balance, I won't be able to pay it. At that point, then what? They take my house that I've been working for years to purchase, dumping tens of thousands of dollars in interest into, or they modify it into the same garbage loan, starting me out at the top of the amortization table, and the cycle repeats itself. Secondly, You're right. I currently don't have a hardship, but I can't seem to keep a renter in there for more than a year. When the next one leaves and I can't get someone to fill it, are you going to consider that a hardship? What is the definition of a hardship? Yeah, I pay my mortgage on time. Shouldn't I be rewarded for that? I have a good job and I work hard. I'm not some deadbeat that sits on the couch and waits for handouts from the government or is satisfied with a minimum wage job. I generally work 10-20 hours of overtime a week to get what I have. I have been a good customer to TCF, and happen to be a guy that doesn't know a darn thing about mortgages. I especially didn't 9 years ago when I got this one. The loan officer that sold me this garbage either purposely did not explain it properly, or is very bad at what he does, but I came out with a completely different expectation of what it was going to be. And you can talk all day about what's written in the contract. The fact of the matter is, that unless you are issuing the loan, or are a lawyer, no one can understand what any of the garbage on those papers means. I trusted the guy that got me the loan, and that's a mistake that appears will cost me for a very long time. Once I found out about the balloon loan and what it was, I was naive in thinking that TCF would help me out, because I've been a good customer, but that doesn't get me anywhere I guess. It also upsets me that I went into TCF in January or February of this year. I can't remember which. I told ************** at that point in time that the house was a rental. He jerked me around for months, telling me he could help me out, but between he and his boss, they're always on vacation apparently. He knew from the start when I filled out my paperwork that my address was in Volo, and the house with the loan was in Round Lake. He called me in June to tell ask me if my house was my primary residence. This was already explained. The past several years, I've come to despise the people that leave there houses, or live there for months, not paying, waiting to get kicked out. I think it's bad business not to honor your contracts, but I'm starting to see why it happens. I was recently denied a credit card due to debt to income ratio. It would be nice if you could help me avoid that with a long term loan. I understand that you have guidelines to follow, but I don't think my situation should apply, because I was sold a bill of goods that was not as explained. Shame on me for not checking through the paperwork well enough. I was a 20 something year old idiot that signed and initialed where the guy told me to in order to get this great loan. He should be punished for that. Not me. I also don't like this decision based on the house being non-owner occupied. I was forced into renting the house instead of selling it due to a horrid economy and a crashing housing market. I didn't want to hang on to this thing. I'm not making money off of it. I'm just holding it with the hopes that the economy will turn around some day and I can get rid of it without getting raked over the coals. The idea that I have to just live with this simply because I don't live there is unbelievable to me. The has to be something you can do about that. I've got much more to say, but I think this is too long already. I'm sorry for the length and sorry if some of this is repeated, but this situation angers me quite a bit. I hope there is someone reading this to the end with some decency and the ability to use common sense. This isn't right. Thanks for your time. Final Business Response /* (4000, 9, 2013/10/18) */ October 17, 2013 *************** Operating Manager Better Business Bureau of Minnesota and South Dakota 220 S. River Ridge Circle Burnsville, MN 55337 Re: CASE # ******** Dear Ms. *******: We have reviewed Mr. ******* *******'s rebuttal. TCF Bank is unable to accommodate Mr. *******'s request, because his request goes against our company's underwriting policy. TCF Bank does not originate loans secured against non-owner occupied residences. When his loan matured 2012, TCF Bank and Mr. ******* agreed to extend his maturity date to December 17, 2018. By extending his maturity date, the loan was saved from going into default. At the time, this was agreeable to Mr. *******. He has since changed his mind, and now is seeking alternate terms which we are unable to satisfy. Given the situation, we have done all that is possible to assist Mr. *******. Sincerely, ************* Senior Vice President Retail Lending cc: ******* *******

10/17/2013 Delivery Issues
10/16/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I am being charged for using an ATM other than TCF. These are new charges I never was informed of. Free checking was my contract. Charging me $3.00 for a transaction at an ATM, when it was stated at my sign up contract there would be no charges.

Desired Settlement: There is a charge in September for $21.00, $3.00 in July. The return of $24.00 is what I seek, and never be charged for this again.

Business Response: Initial Business Response /* (1000, 5, 2013/10/15) */ October 10, 2013 ****** ******* ********************** St Cloud MN 56303 BBB Case # ******** Dear Mr. *******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern. The Truth-in-Savings Act Disclosures for TCF Campus Card Checking-Minnesota accounts outlines ATM transaction fees. Within the states of Minnesota/South Dakota there is no fee for up to four ATM withdrawals at non-TCF ATMs per monthly statement cycle, $3.00 per withdrawal thereafter. This is in addition to any fee the owner of the ATM may charge at the time of the transaction. This fee can be avoided by using a TCF ATM. We have enclosed a listing of TCF ATMs near your home as well as the current Truth-in-Savings Act Disclosures for TCF Campus Card Checking-Minnesota. TCF may change your account contract from time to time by adding or modifying terms, conditions, services, charges and fees. TCF will notify you of any changes to your account contract by including a message on or with your monthly account statement. TCF records indicate that on July 5, 2013 and on September 4, 2013 you incurred a total of $24.00 in non-TCF ATM fees. Because you are a valued customer, we have reversed these fees. Mr. *******, we appreciate you taking the time to write and trust we have responded to this concern. Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

10/16/2013 Advertising/Sales Issues
10/14/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: Greetings, I would like to complain about TCF overage charges, and wrong account balance, and account summary for several months. TCF has charged me nearly $2000.00 in overdraft fee's in the last 2 years. most of the over draft fee's were due to wrong account transactions due to bank errors. I have copies of my bank account transactions for 3 months showing wrong amounts. I went to the bank and I complained to the branch manager at **************** Peoria, AZ" he said he will follow up with me after talking to online banking. the next day my account was updated, and my transaction for 3 months were corrected. the bank manager never called me back regarding the complains. when I called to follow up, the bank manager denied that we ever met, and the bank denied the online mistake that was made. I sill have copies of the transactions showing the wrong amounts, and I also have an email that was sent to the branch manager during our meeting that he denied that it happened.

Desired Settlement: a full refund of all the over draft fee's. otherwise I will take these document to an attorney and file a lawsuit, and send the copies to the media for unfair practice, and fraud.

Business Response: Initial Business Response /* (1000, 5, 2013/10/01) */ October 1, 2013 Mr. ******* ******** ********************** Goodyear, IL 85395 BBB Case # ******** Dear Mr. ********, Your inquiry to the Better Business Bureau has been forwarded to TCF for response. It is TCF's desire to adequately respond to all customers inquires. Based on the information that you provided, we have been unable to determine which transactions you are stating were incorrect. Please forward additional information along with the account number in question. Mr. ********, we thank you for taking the time to inquiry about your account, we look forward to addressing your concerns. Sincerely, ********* Customer Response Representative Cc ***************, Operations manager, Better Business Bureau

10/14/2013 Advertising/Sales Issues
10/14/2013 Advertising/Sales Issues
10/10/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: TCF is charging me overdrafts I do Not feel I should get. TCF returned a check I wrote and charged me a $37.00 fee for it and then it went through again the next day and they paid it and charged me another fee. I feel they are ripping me off by doing this. This is not the first time they have did this. Or I have had money in my account to cover checks and they return them also just to collect the fees.

Desired Settlement: I request TCF refund me at least 4-5 fees. Also start being fare when they charge the fees by paying the check and only charging 1 fee instead of returning it and then paying it and charging me the extra fee.

Business Response: Initial Business Response /* (1000, 5, 2013/10/09) */ October 8, 2013 ***************** ****************** Eagan MN 55121 Dear Mr. ********, You inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciated the opportunity to respond to your concern. TCF Terms and Conditions, a part of your account contract, states that "TCF will charge you a fee, called an "overdraft fee," each time TCF pays an item that is for more than your available balance. TCF will also charge you a fee, called a returned item fee," each time an item is submitted to us for payment from your account and we return the item without paying it. By refusing payment of an item, or by paying an item and then reversing the payment, TCF is considered to have returned the item without paying it. TCF will charge a returned item fee as provided here regardless of the number of times an item is submitted or resubmitted to us for payment." The resubmission of a check or payment is the decision of the submitting bank. We regret any misunderstanding about the charge for returned item overdraft fees. TCF records indicate that between September 3, 2013 and October 2, 2013 you incurred $481.00 in overdraft fees. As a courtesy, we have waived $240.00 of these fees. Mr. ********, we thank you for banking with us and trust this clarifies the activity on your account. Sincerely, ********* Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

10/9/2013 Billing/Collection Issues
10/8/2013 Delivery Issues
10/8/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: A thief in Barcelona spent almost $2000 from my TCF debit account. The bank will not reimburse me. They believe I benefitted from the transactions. I was on vacation in Barcelona, Spain and was pick-pocketed on the night of June 3rd. My entire wallet was stolen. I attempted to cancel my TCF debit card that night though the customer service hotline was not open. The next morning when I woke up there was a list of transactions that I did not make totaling to $1,935.38. Here is a list of those transactions. Oscar Joier (Jewelry Store) - $1,821.69 Vueling Airlines - $64.20 Farmacia Marta Mon - $30.01 ILTAX - $25.99 The total amount of money that I did not spend and that resulted from the fraudulent charges on my account, including overdraft fees and a large international service fee, totals to $2,212.03. This is the amount of money that I requested to be reimbursed for by the bank. TCF told me that they had up to 90 days to investigate the legitimacy of my claim. Two weeks after the incident on June 17th I was given a provisional credit from the bank for $1,941.89. On August 15th, without notifying me, TCF bank withdrew $1,885.20 from my account. They had decided not to reimburse me because they believed that I somehow benefitted from the transactions. Upon calling the bank they would not give me any further details and would not let me be connected to the Regulation E department that handles issues of fraudulent charges. I was told that I would receive a letter explaining the details of why they chose not to reimburse me, though a letter has not come. I have contacted the bank on the phone and in person to find the whereabouts of this letter, though they are unable to get me a copy and have repeatedly reprocessed the request. They say there is nothing else they can do. When I met with the branch manager of a TCF bank in Ann Arbor, Michigan I also filed a reevaluation form for the dispute. Nothing has come from this reevaluation I have submitted. I have been waiting for this letter explaining the reasons behind the bank's decision before I seek legal action, which is the reason why nothing has yet to be done. Luckily, I have just become aware of the option of filing a complaint through the Better Business Bureau. There are multiple reasons why it is ludicrous to believe that I benefitted from these charges. Firstly the charge of $1,821.69 from the Oscar Joier jewlery store is much larger then any transaction I have ever made. I have never boughten jewelry in my life, let alone $1,800 of anything. Also the ticket form Vueling Airlines would have been pointless for me to buy since I already had flights booked out of Barcelona to Detroit (which I took) for two days later on the 5th of June. I can provide documentation of these flights. I saved up for multiple years for this trip and I think that it is absolutely absurd that the bank would conclude that a poor college student would go on vacation with intentions on cheating his bank. I had almost $1,000 in my bank account which represented all of my savings. Money that I worked hard for, and money that I deserve to have returned to me. My American Express credit card was also in my wallet that was stolen the night of June 3rd and American Express reimbursed me without any problems of the stolen sum of $208.53. American Express assumed that my word was genuine and TCF bank should as well. I can see that the BBB has dealt with many disputes with TCF bank's Regulation E department before. It seems to be that the department handles issues such as mine poorly and I would greatly appreciate if the BBB would help me be reimbursed for the fraudulent charges on my account like it has for other individuals in my situation. Thank you for your time.

Desired Settlement: I would like to be reimbursed by TCF Bank for the sum of $2,212.03 plus any overdraft fees that have resulted from me keeping my account in debt for this period of time.

Business Response: Initial Business Response /* (1000, 5, 2013/09/26) */ September 26, 2013 Mr. ***** ********* ************** ************************** Ann Arbor, Michigan 48104 Re: BBB Case # ******** Dear Mr. *********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding suspected unauthorized activity on your account. Our records show that our unauthorized claims department received your request for a reevaluation on August 30, 2013. On September 25, 2013, our investigation concluded and you were fully reimbursed for the transactions in question, including the subsequent International Service Fees and NSF fees. These transactions will appear as credits on your next statement. We thank you for your patience while we thoroughly investigated these transactions. Mr. *********, I trust that I have adequately addressed your concerns and clearly explained the status of your unauthorized transaction claim. Sincerely, ******* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

10/7/2013 Advertising/Sales Issues
10/7/2013 Problems with Product/Service | Read Complaint Details
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Complaint: TCF has cashed larger checks to draw down my checking account so they can bounce smaller checks and collect the rip-off $37 overdraft. TCF advertises free checking in the big print and exorbitant overdraft fees. They take advantage of college students like vultures. They also pay colleges a headhunter fee for each student they get signed up, is that legal? I have the paperwork from my overdrafts and there is a ATM overdraft. I have no idea how a debit card can take money from an ATM without money in the bank.

Desired Settlement: I want the $375.00 dollars they took from me in the last 7 months to be put back into my account.

Business Response: Initial Business Response /* (1000, 5, 2013/10/03) */ October 3, 2013 ****** ******* ********************** St Cloud MN 56303 BBB Case # ******** Dear Mr. *******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern. You expressed concern over the way that TCF processes transactions on your account. We generally processes check card transactions based on date and time order as that information is passed through to TCF. Check transactions are posted in low-to-high order, based on the check number. TCF generally does not ''reorder'' transactions from high-to-low. You state in your letter that you have paperwork indicating an overdraft from ATM transactions. In reviewing your account, we do not see evidence of this. You have asked TCF to decline ATM and everyday debit card transactions that exceed your account's available balance at the time of the authorization request. Our records do indicate that on September 5, 2013 you incurred $148.00 in overdraft fees for transactions that exceeded your available balance. Because you are a valued customer and due to your longstanding relationship, we have reversed these fees. Mr. *******, again, we appreciate your letter and trust we have responded to your concerns. Sincerely, ********* Customer response Representative Cc: ***************, Operations Manager, Better Business Bureau

10/1/2013 Delivery Issues
10/1/2013 Advertising/Sales Issues
10/1/2013 Advertising/Sales Issues
10/1/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: TCF Bank charged me a few after altering my account balance to collect more money. My Account number is ********** On Wednesday 09/11 I looked at my back account balance. There was 853.47 in my account. I had written a check for 850.00 for my rent. The next time I looked at my account on Friday 09/13 it was overdrawn. The check for 850 had goes threw but somehow my balance changed and there was not enough money to cover it. It is funny how nothing went through my account except for the check for 850 and there was money to cover it but somehow it overdrew my account and by just enough so that I can be charged a fee. TCF does this to their customers when your account gets low and a big check goes through somehow your balance changes. I suppose their shady business practices are just how banks are and it makes them more money to be dishonest and screw over their customer.

Desired Settlement: I expect a full refund of the fee that I was charged and never to that to me again.

Business Response: Initial Business Response /* (1000, 5, 2013/09/19) */ September 19, 2013 Mr. ****** ******** ********** South Saint Paul, MN 55075 Re: BBB Case # ******** Dear Mr. ********, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern that your balance, as viewed in online banking, was incorrect, causing you to overdraw your account. When checking your account balance online, you should refer to the "Current Balance Including Pending Transactions." This generally represents your account balance as of the end of the previous business day minus any check card transactions we have authorized within the past 3 days. TCF records indicate that, on September 11, 2013, there were no pending transactions on your account. Additionally, there were no funds currently on hold from a recent deposit. As such, your balance would have been $839.63. We apologize for any misinterpretation that may have led you to believe otherwise. Our records also show that, on September 12, 2013, your account was assessed a $37 NSF fee. This fee was the result of TCF paying check 5052 when you had insufficient available funds. Because you are a valued customer, we have reversed this fee. This transaction will appear as a credit on your next statement. Mr. ********, I trust that I have adequately addressed your concerns and clearly explained the recent activity on your account. Sincerely, ******* Customer Response Representative Cc: **************** Operations Manager, Better Business Bureau

10/1/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: Your prior branch manager *****. First and foremost let me say, it can't just be the Branch Manager ***** that previously worked for TCF that ruined my account. Let me explain, I opened my first account at TCF, I was excited and knew nothing about having an account. ***** was working and a gentleman by the name of ****. **** always was understanding, but ***** stole from the bank and myself. The bank never notified me of this however the employee's did on many occasions. The reason my account went negative is because of the branch manager. He told me that none of my transactions were approved from the debit card I was cash advancing off, come to find out from the debit card, they did. I never got my money back from the debit card and they swear up and down TCF got the money. Also when they opened up my account, they entered social security numbers wrong making it look as if I was fraudulently using my childrens socials. They were only to put my two kids on my savings so I could prove child support to the court system. That never happened because it was never done correctly and loss prevention continued to close accounts and deny me accounts for something I never did. Now they negatively impacted my Chex Systems saying I have NSF. I beg to differ.

Desired Settlement: I would like them to remove this from my Chex Systems as I am not the reasons for the account ever going negative and I received exactly what adp paid to them.

Business Response: Initial Business Response /* (1000, 6, 2013/09/19) */ September 19, 2013 Ms. ********************** *************************** Oswego, IL 60543 BBB Case # ******** Dear Ms.***************, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. You state that TCF has filed a report with Chex Systems in your name. Initial review of TCF records did not locate any account listed with Chex Systems. As required by the Fair Credit Reporting Act, the notice of dispute must contain the following information: . The account that is in dispute; . The specific information that you believe is inaccurate; . An explanation of why you believe the information is inaccurate; and . A copy of the relevant portion of the consumer report that you believe is inaccurate; We will investigate the dispute as soon as we receive your notice, and will report the results of our investigation to you within 30 days after we receive your notice. Ms.***************, we thank you for taking the time to inquire about your account. Sincerely, ******** Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

9/30/2013 Problems with Product/Service | Read Complaint Details
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Complaint: Service Issue with bank client account ********** I was purchasing a home and took a proof of account form to TCF's Lombard IL (Butterfield Rd) location. I gave the form to an associate and she said she would handle it. A few weeks later my mortgage broker informed me they had not received any information from the bank. I called the customer service number and the agent basically had no idea about the form or how the process worked. Had I not had a second bank account I more than likely would have lost my opportunity to purchase my house because of the totally mediocre service of TCF.

Desired Settlement: TCF basically lost my business after over 10 years of being a customer at the bank. Not only that they lost the opportunity to finance my car and any subsequent major because of this incident.

Business Response: Initial Business Response /* (1000, 5, 2013/09/18) */ September 18, 2013 ************ **************************** Bloomingdale IL 60108 BBB Case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concern regarding your recent experience at TCF's Lombard, IL (Butterfield Rd.) branch. The account you reference in your letter was closed on August 21, 2009. We apologize that the branch staff was unable to locate records for this account and did not update you on the status of your request. It is not pleasant to hear of instances where customers feel our service has been less than satisfactory. Mr. ******, we are sorry for these circumstances and any inconvenience you may have experienced Sincerely, ********* Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

9/27/2013 Problems with Product/Service
9/27/2013 Advertising/Sales Issues
9/26/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: Moved out of state. Tried to close account via phone but could not. Sent Letter to Branch. Account Overdrafted. Was with TCF for many years and enjoyed service and banks. Moved out of state and had to bank with another company. Tried to close account. Could not via phone. Cancelled debit card to ensure the account would not overdraft and sent letter to branch. Account was never closed and account overdrafted. Account closed and sent to collection.

Desired Settlement: Was truly a good customer for TCF and the closing and overdrafts which are now a collection, are not of my doing and I completed necessary steps with calling bank and cancelling card and mailing branch. Account should have never went into collection! Looking for account to be paid and closed and collection account to be deleted, as well.

Business Response: Initial Business Response /* (1000, 5, 2013/09/26) */ September 26, 2013 ************* *********************** Lewisville TX 75057 Re: BBB case #******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to respond to your concerns. TCF Terms and Conditions state that you must notify TCF of your intent to close your account by giving us a written request at the designated address shown in the section called "Contacting TCF" or by submitting a request at any TCF branch. While we have no record of your written request, we regret any inconvenience you may have experienced when you were trying to close your account. TCF records indicate that on December 14, 2012 and January 14, 2013 two recurring transactions from TU* TransUnion were presented for payment from your TCF checking account, ********** when there were insufficient available funds, each incurring a $37.00 overdraft fee. On January 30, 2013 your debit card was cancelled stopping these transactions from continuing. On February 12, 2013, when your account balance remained overdrawn, TCF assessed a $35.00 collection processing fee and closed the account. The balance owing was sent for collection and reported to ChexSystems . To assist you, we have waived the amount owing and requested the report be removed from ChexSystems. Please allow ten business days for the information to be updated. Mr. ******, we thank you for banking with us and hope you will bank with us again in the future. Sincerely, ********* Customer Response Representative. Cc: ***************, Senior Mediation Coordinator, Better Business Bureau

9/25/2013 Billing/Collection Issues | Read Complaint Details
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Complaint: On August 23, 2013 I opened a TCF Free Checking and TCF Power Savings accounts at the Westmont Jewel-Osco location. The TCF Bank Supervisor "****" handled my opening. I wasn't interested in a savings account but one was created advising me to simply cancel the Power Savings within 90 days. I placed the required $25.00 for this account and started the Free Checking with $135.00. I used the necessary identification documents ie. Valid IL State I.D., SSN Card, and proof of residency utilizing my most recent cable utility bill which was Comcast. Just three (3) days later I received a letter from TCF National Bank headquarters stating they were thankful for opening my new accounts with TCF, however, their account review process had detected a possible discrepancy with information provided to open said accounts. They comply with the Patriot Act and require all financial institutions to obtain, verify, and record info that identifies each person who opens an account. Therefore, for this reason BOTH my accounts were temporarily suspended ALL services related effective on the date of letter received. So I simply went into the Westmont branch at Jewel-Osco and showed them the same exact ID, SSN, and utility bill to clear matters up.However, to note the Power Savings account still displayed Closed when I went online the next day and even today.It wasn't until most recent on 9/13/13 I went online and to my great surprise observed a child support lien in the amount $85.13 had been issued from some unknown party in Michigan which was automatically deducted from my account. Then to my even greater surprise TCF has a policy which charges a processing service fee of $125.00 (one-time only?)for this specific case. I called the tollfree 800 TCF-Bank and spoke to ***** and couldn't get much detailed info but the lien provider's number. TCF would not waive $125 fee and this has been a very rock start to say the least. I was warned by close associates to not use TCF but its very apparent that I should have listened. Product_Or_Service: Checking & Savings Accounts Account_Number: Confidential Informa

Desired Settlement: DesiredSettlementID: Refund Please refund and waive my Child Support Lien processing service fee of $125.00 (One Hundred Twenty-Five dollars) as I worked very hard earning my income for it just to disappear out of my account. It's not TCF's fault for the lien but surely it seems as if I've been treated like a number thus far and surely am fearful of what to expect in the nearby future. It hasn't even been a month and look how I've sustained these inconveniences and supposively I am valued as their customer at TCF Bank.

Business Response: Initial Business Response /* (1000, 10, 2013/09/24) */ September 24, 2013 Mr. ******* ****** ********************************* Clarendon Hills, IL 60514 Re: BBB Case # ******** Dear Mr. ******, Your inquiry filed with the Better Business Bureau has been forwarded to TCF for response. We appreciate the opportunity to address your concerns. You express concern regarding the Levy Garnishment Fee that you recently incurred. Our records show that, on September 13, 2013, TCF processed a $60.13 levy on your account. Your account was then assessed a $125 fee for processing the levy. This fee is outlined in our Deposit Account Services and Prices Schedule brochure which you received when you opened your account. To assist you, we have reversed this fee. This transaction will appear as a credit on your next statement. Mr. ******, I trust that I have adequately addressed your concerns. Be assured that we truly value you as a TCF customer and consider it a privilege to serve your banking needs. Sincerely, ******** Customer Response Representative Cc: ***************, Operations Manager, Better Business Bureau

9/24/2013 Advertising/Sales Issues
9/23/2013 Advertising/Sales Issues
9/20/2013 Billing/Collection Issues
9/19/2013 Billing/Collection Issues
9/19/2013 Problems with Product/Service
9/18/2013 Advertising/Sales Issues
9/17/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: I went into the bank on Wabash to close my account due to a company threatening to take money out of my account (paid the bank $105 to stop this transaction). When I went into the bank on the 30th the banker told me my current account had $8 and some change and that my creditors had been paid from the old account. She proceeded to open a new account where I deposited $440 dollars. Thinking everything has been paid and that the old account still has $8 and some change I left the bank. Came to work Sept. 4, 2013 and started getting calls from my creditors late afternoon saying that my payments were being returned due to a closed account! I was horrified! I contacted the immediately and was told that the old account now has a balance of $973 in it. I explained to the rep that as of Aug. 30th that's not what was in there. I then explained that I thought my creditors were paid and they are now calling me for late fees. I was told I had to into the bank to handle this. Checked my accounts online (old and new) on Sept. 5 before going to the bank and the old account now had $917 in it and that a creditor was paid $54.00 from this account and it was posted. Went into the bank that morning, the rep transferred the $917 into the new account without a word of the creditor that was (supposedly paid) out of the old account (because it was posted like on Aug 30th). I withdrew $50 before I left the bank from the new account. Went to work to pay my creditor and explained the situation to them. I was told I am still responsible for the late fees totaling (from one creditor $120 and another $30). I then called the ************** number and spoke to a rep and explained the situation and requested that they pay the late fees that I incurred due to their mistake. She then placed me on hold and put Mr. ***** (wouldn't give me his last name just his initial) who told me there was nothing they could do. I then logged into my account (old and new) again and saw that the old account now has a balance of -917 but when I left the bank this morning it was balance 0 because I took out the $917 that was left in there. Please help me get the late fees from TCF to pay my creditors and correct my credit.

Desired Settlement: I am seeking the late fees my creditors are charging me due to this banks errors of a total of a total $160 so far.

Business Response: Business' Initial Response /* (1000, 11, 2013/09/17) */ September 17, 2013 Ms. ********* **** ******************** Chicago, IL 60649 BBB Case # ******** Dear Ms. ****, Your inquiry to the Better Business Bureau has been forwarded to TCF for response. It is our goal to provide service which is efficient, knowledgeable and courteous, and it is disappointing to learn of any instance in which we have failed to deliver the level of service that our customers expect. We assure you that TCF's commitment to a positive experience for each and every customer is unwavering, and we truly appreciate that you have voiced your concerns. We understand it is frustrating, when attempting to establish a new account after closing an existing account. To further assist you with consideration of any late fees you were assessed please provide invoices from your creditors showing that the checks were returned unpaid because of a closed account, your TCF account number and the amount in which the creditors are assessing. We have enclosed a self-addressed envelope for the return of this documentation. Ms. ****, we thank you for taking the time to write to us, and hope that we have explained the necessary steps, so that we may continue our review. Sincerely, ********* Customer Response Representative Cc: ***************, Senior Mediation Coordinator, Better Business Bureau Business' Final Response /* (2000, 13, 2013/09/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: TCF Bank is holding onto funds of mine that have already cleared from the issuing bank. They are using the shield that it's a new account, but the funds actually cleared on the day of the deposit (documented), and they are holding onto them for 9 days. When questioning the customer service lead on the matter, with the facts, they have a lengthy process that 1) most payroll departments cannot fulfill, and 2) the funds (9 days later) would be cleared by the time the process is complete. I've witnessed other patrons (at the counter) with similar issues, and it appears to be a method to bear more interest while holding onto funds (online payment seems to take a little longer than normal to clear, as well, but that's a different argument). TCF Bank is targeting customers based on the convenience of being open 7 days/week in the convenient location of grocery stores. They bait them with free checking, but then charge them excessive NSF fees ($37.00), when their deposits have not cleared. From an editorial perspective, a lot of these patrons are of lesser means, rely on public transportation, have modest levels of education, many of which are newer immigrants; people who lack the "know how" to oppose unethical practices and/or file a grievance in a situation of procedural chicanery like this. I will go ahead and close my account when all funds have cleared, but want to make sure that others don't fall into the same situation. Account_Number: **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) First, I'd like my funds released. I have bills to pay, and then I'd like to close my account, and go back to a real institution. The real ask, would be to have their HQ called on this policy/procedure/behavior, and handed a grievance, with the promise that they are being put under closer scrutiny. If they are doing this to me (I'm very different than the patrons I mentioned), they are unethically doing this to many others.

Business Response: Business' Initial Response /* (1000, 10, 2013/09/06) */ September 6, 2013 Mr. ******************** ************************** Chicago, IL 60626-3777 Re: OCC Case # ******** BBB Case # ******** Dear Mr. ******, Your inquiry, filed with the Office of the Comptroller of the Currency and the Better Business Bureau, has been forwarded to TCF Bank for response. We regret that you were unsatisfied with your account. You expressed concern that your account incurred an overdraft fee when there were sufficient funds in the account to cover the transaction. Your account may incur an overdraft fee for any transaction that exceeds your available balance at the time it is processed. Deposits made to your account are subject to TCF's Funds Availability Schedule. The Funds Availability Schedule is outlined in the Terms and Conditions for Checking and Savings Accounts (Copy enclosed). These terms were provided to you at account opening and are also available through our website at www.tcfbank.com. Our records show that on August 22, 2013, we processed a transaction for $369.78. At that time, your available balance was $149.27, therefore resulting in an overdraft. While you made a deposit for $2,216.51 on August 20, 2013, the funds from that deposit were not yet available for withdrawal. Review of your account history indicates that on August 23, 2013, you incurred a $37.00 overdraft fee because of insufficient available funds. TCF reversed this fee on August 30, 2013. Mr. ******, we apologize for any miscommunication there may have been and appreciate having had the opportunity to clarify why you incurred an overdraft fee on your account. Sincerely, *********** Customer Response Representative Cc: Customer Assistance, Office of the Comptroller of the Currency ***************, Senior Mediation Coordinator, Better Business Bureau

9/16/2013 Advertising/Sales Issues
9/16/2013 Advertising/Sales Issues
9/10/2013 Problems with Product/Service

Customer Review(s)

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Customer Reviews Summary

14 Customer Reviews on T C F National Bank Minnesota
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