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TCF Bank Complaint - TCF Bank - Bank Fees
Bank Fees - Complaint
OAK CREEK, WISCONSIN -- We all know about bank fees being crazy now days. My fiancée and I have been with this bank for 6 hellish months. I have never experienced such disatisfaction in all my life. Their over draft fees are 10X higher then I ever experienced! Before this, the highest I experienced was around 35 dollars or so. We have been slapped with 2 separate $175.00 dollar over draft charges. I found it interesting that it takes them less then a day to process your debit card and credit card charges or checks that you write for something. But it takes 3-4 days minimum to process direct deposits. Since our direct deposits were pending during this time, hence the over draft charges. Hence STAY AWAY! We also had to pay for our new checks when opening a new account and we were forced to open a Savings.
Comments:
Posted by MundoCaniDog on 2009-07-07:
You obviously don't know how to manage a checking account, and for some reason that's TCF's fault.
First lesson: Stop spending more than what's in your bank account.
First lesson: Stop spending more than what's in your bank account.
Posted by yoke on 2009-07-07:
What did the bank do wrong?
Posted by Anonymous on 2009-07-07:
The bank doesn't 'process' direct deposits (in the manner of checks). They come in electronically, with a post date attached to them, and on that date they are in your account. The post date will be the date that is on your pay stub, which is usually not the day you actually get the pay stub. All you have to do is look at it to see what day the funds will be in your account.
Posted by wood0771 on 2009-07-07:
I have been managing checking accounts for over 30 years now. I have never had any problems till I used TCF. For those of you that think its my fault, look for yourself and see how their online banking is set up. They don't show your balance after each transaction, its on the top which is confusing. NO, it does not take 3-4 days to process Direct Deposit. Go ahead and try TCF for yourself.
Posted by BokiBean on 2009-07-07:
Are you sure each overdraft was for $175, or was that a cumulative total?
Posted by yoke on 2009-07-07:
They do not need to show you your balance after each transactions, it should be in your check register.
Posted by iBeeta on 2009-08-11:
This week TCF used 3 unauthorized pending debits to bounce $175 worth of debits (that would have otherwise been covered) and then bounced the same pending debits when two posted the next day, the third a day later for another jackpot of $105. They refused to stop payment on the pending debits (why?) and made me fill out a bunch of papers and said it would take 10 days. They told me they would cancel my card and cut it up (add 10 days for another card). Today I find out that they did not cancel my card that day, my insurance payment bounced and was returned (I had told them it would be declined), so that caused me a charge from them as well as another $35 from TCF. This weeks total is $350 in nsf charges. I am writing to my Attorney General, Federal Trade Commission and TCF Corporate. I am posting this on all TCF complaints - you should copy and paste your post also if you have time. This is the reason...
The "make money from home" drones. I always wondered what that was all about. You should be getting around to 10 or more comments scolding you, some out-and-out insulting you. Example: Read your contract, blah,blah. // If you don't know how to manage a checking account you shouldn't have one. // Some will give you their sage explanation or technical logic of how the system works and how you can avoid this problem like you're an idiot. Just ignore them, especially the ones who mention check registers as they are useless when dealing with TCF. They conveniently removed the time of transaction off the account summary. Why would they do that? Proof that your money was in the bank when you used your DEBIT card maybe?
I finally figured it out when I posted a "ripoff" report on Discover card ... - every post was pro-Discover. People calling me a deadbeat, etc. I thought it was strange that so many people were sitting around defending Discover card in one night. It hit me as I was thinking "is somebody paying these people or what?" Ya, probably per post. So now, when I have a little extra chill time, which is not real often because I have a real job, I dedicate it to supporting honest hard working people getting ripped off and trying to prevent others from the same misfortune.
The "make money from home" drones. I always wondered what that was all about. You should be getting around to 10 or more comments scolding you, some out-and-out insulting you. Example: Read your contract, blah,blah. // If you don't know how to manage a checking account you shouldn't have one. // Some will give you their sage explanation or technical logic of how the system works and how you can avoid this problem like you're an idiot. Just ignore them, especially the ones who mention check registers as they are useless when dealing with TCF. They conveniently removed the time of transaction off the account summary. Why would they do that? Proof that your money was in the bank when you used your DEBIT card maybe?
I finally figured it out when I posted a "ripoff" report on Discover card ... - every post was pro-Discover. People calling me a deadbeat, etc. I thought it was strange that so many people were sitting around defending Discover card in one night. It hit me as I was thinking "is somebody paying these people or what?" Ya, probably per post. So now, when I have a little extra chill time, which is not real often because I have a real job, I dedicate it to supporting honest hard working people getting ripped off and trying to prevent others from the same misfortune.
Posted by BokiBean on 2009-08-11:
I DO think its a ripoff and just milimeters away from being an outright scam. Some people don't see it that way, and see overdraft fees as a just punishment. It boggles.
I'm sorry for your trouble. Consider a credit union. The one we use doesn't jack us around with direct deposits.
I'm sorry for your trouble. Consider a credit union. The one we use doesn't jack us around with direct deposits.
Posted by Irene fouther on 2013-06-16:
More fees that the law I have a new bank what a ripoff
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