Complain about a product or service

TCF Bank

Wayzata, MN

John of St. Charles, IL October 11, 2009

In their promotional material, TCF says "Tell your friends about the confidence you have in us." So, I will. On Sept. 28 I opened an account at the TCF branch in my local Jewel. I wanted a separate account for my business travel expenses and the location was convenient. Opened the account with a 1500 expense check I'd received from my local employer (drawn on a local bank). On October 7 (9 days after opening account: 7 business days) I do an electronic funds transfer for 1200to pay my Amex bill -- and TCF bounces it and charges me 35!

I got nothing but blank stares at my local branch and nobody had a reasonable explanation other than "sometimes it takes longer for new account deposits to clear". Well, that's not my opinion of how you treat a new customer -- and it's probably a preview of more surprises to come -- so I closed my account. As they suggested, I will gladly "tell me friends" that they should never do business with TCF Bank!

Darryl of Big Lake, MN September 28, 2009

I just recieved a notice with my monthly checking statement from TCF, that if I write a check to help out a family member or other non account holder drawn on my persomal account, they will be charged a check cashing fee of 5.00 with a max fee per transaction of 10.00. On a check written for 15.00 this would be a 33% charge which is highway robbery. This is effective NOV17/2009. Evidently this does not apply if you write a check to a merchant and they cash it from there account. Differant ruels I guess.

Michael of Mokena, IL November 14, 2008

To whom this may concern. Well my reason for contacting you is that maybe you can lend me your ear for just a moment and hear a little problem I have with a national bank.

First, I met the love of my life and tied the knot up in Gods Country (Traverse City, MI) about a month and a half ago. We had a beautiful wedding and a great reception and wound up with a mound of envelopes with checks and cash stuffed in them, we are very blessed. Here is where is gets interesting, we take are checks to the bank and attempt to open a bank account at the bank which my company has been banking at for 20 years. They tell me that my wife had been flagged by TCF Bank and had reported her to Chex Systems & her name will not be removed for 5 years. Therefore we could not put her name on my account.

They informed us that there is a balance due of 326.00, no problem we can pay this, but TCF refuses to remove her name off Chex Systems. My wife began to tell me that back in 2006 she was working at a doctor’s office, she is a pediatric nurse, her wallet and debit card had been stolen from her purse. My wife took the high road and closed her account unknowing to her of this balance & opened a new account with the same TCF Bank. The thief had over drafted/charged 326.00 from her account. Two years go by and she closed the account before we had tied the knot. Upon further questions and no answers from her former bank TCF & Chex Systems. They let her close the account with out paying the balance and for the past 2 years had not made one attempt to collect the balance or inform her of her name being reported.

TCF has been extremely rude with both my wife and I over the phone. This is putting a huge financial strain on my wife and me as she has checks that cannot be cashed and feels like she cannot contribute to this new marriage. During my own research I found out that TCF & Chex Systems corporate offices are a few miles apart in Wayzata, MN. I used the web and Googled “TCF Bank Complaints� and there are dozens of pages of TCF complaints.

Richard of Antioch, IL October 3, 2008

Bank overdraft fees. Besides the usual paying largest withdrawls first, so they get more fees, my basic premise is this: Inspite of us applying for credit, which they deny, they still pay our charge (overdraft) and charge a fee (34 each). If they pay it, they are lending it (giving credit) and even if it is 1 for a drink when we didn't know it was overdrawn, for 1 day, we pay 34 fee. That is nothing more than DISGUISED INTEREST rate of 3400% per day, on credit they denied us.

Kim of Anoka, MN February 22, 2008

Kim of Anoka MN (02/22/08)
My husband's father passed away, and he left us a large sum of money. We put about some in a checking account, and we talked to an employee at this bank about investing the rest in something that if we needed to access the amount we could. I told the representative that I wasn't interested in a retirement account; we already had 2 ira's. He assured us that this was easily accessible, that it would only be tied up for a couple years. We recently went to withdraw some and were told we couldn't access it for 13 years, until my husband was 59 1/2, without a 10% penalty from the IRS. It's an AIG annuity.

I feel so betrayed. I've been a customer with this bank for almost 30 years. I trusted this bank too much, I guess. I am disabled, and my husband works in construction; we had to cash in some of our kids' savings bonds just to pay the bills. I have RA which flares up when I get stressed. I am upset that this has happened to me.

Christina of Crestview, FL November 25, 2005

I belonged to a TCF Bank in Hartland MI and I moved shortly after the death of my daughter. I kept in contact with TCF in the event that I needed to put money into my account and did so when needed to. I've even gone as far as stopping by the bank to speak with Bonnie in the Hartland Branch when I was in town to make sure that everything was ok and to change info that needed to be change once I got married and or moved and things of that nature.

I would get statements regularly and they stopped in Sept some time I believe and because I was dealing with legasl issues in MI I hadn't noticed until I went through all my statements today. Well as of last week November 23 2005 I received a letter stating that my account would be closed Oct 20 2005 I did not receive that letter until the 23rd of November. Any of times I had no problems as a matter of fact had it not been for a call to the branch in Ann Arbor wouldn't have known that I had been sent to a collection agency. I'm furious and any other times TCF contacts me. Something isn't right about any of this. Please help they need to be stopped and I wouldn't write you all did I not think this was foul play on TCF's part somehow.

Marius of Macomb Twp., MI March 10, 2005

i'm having an issue with three official checks that i put a stop-payment on because the vehicle i was trying to purchase does not have the milleage that are on the odometer and the dealer won't guarantee them.Well after i put the stop-payment on the checks the bank talled me that they would not guarantee that the stop wuold catch in time.It did but now the bank is telling me that the copies of the checks that i have are not enough for them to give me my money back, and that they need the orriginal checks that the dealer would not give me.

Patricia of Worth, IL April 19, 2004

I opened an acct with a TCF Branch in Oct of last year. When opening the account I was advised my paychecks will take 3-5 business days to clear and I would be able to access funds at that time. Unfortunatly that was NOT that case. After 5-7 business days and making a deposit of a little over 900.00 in paycheck form, funds were not available. I went into a branch to complain, they had told me that my funds were on hold but did not know for what reason. I called customer service, they stated the funds were available.

When checked into further I requested a printout statement. Sure enough, 970.00 in funds were available but when my check started to attempt to be deducted they were refused and my checks began to bounce. This put me in arears of 426.00 of bank fees in their error which they would NOT reverse. I continued to argue with them and still have been to this date. It came to put me so behind and held up my finds for the holiday season. This left for a limited Christmas and for a lot of fees in money orders and cahier checks. I still am unable to open another account to this day due to TCF Bank slamming my SSN#. I have had nothing but bad experiences with them.

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