They charge NSF fees on transactions that haven't even posted to your account since pending transactions take away from your available balance. This is unfair simply because many merchants use credit card numbers such as car rental places for reservations before the card is charge. However, in order for the merchant to make sure your card is valid, they have to run it. This in turn ties up usually $1.00 of your money but drops off when the authorization runs out. Therefore, how can TCF charge 35.00 NSF fees on pending transactions that have not even posted? I ended up with 3 35.00 NSF fees because of pending transactions that had not even posted yet.

I would like to inform everyone that TCF uses deceptive practices to increase their fee revenue. We have had a "totally free" checking account with TCF for years. In Jan TCF put a notice in our statement (written in very small font) in a section they normally reserve for advertising informing us they would start charging fees for accounts that do not maintain a min balance. We normally do not check our statements often as we have low activity in that account and were surprised to find they had charged us fees (of course our luck we were keeping a low balance at the time).
It was clear to us that TCF Bank's intent was to deceive consumers by posting the notice in a way that customers would miss the notification in an effort to increase their fee revenue. This borderlines on fraud. If a company plans to materially change the terms of an agreement, it's normal practice to inform the other party in a seperate written letter to clearly explain the change. In some industries this is the law and I'm surprised it's not in the banking industry. Customer service didn't seem to care and quoted "we receive complaints about everything all the time". That doesn't surprise me in the least bit. I'm glad they are open 7 days a week so I can close my accounts there as soon as possible.

This bank recently started charging for previously free checking accounts. Guess what? They did not inform us customers. I'm a student struggling to survive and right around exam time, I get this fee increase for not having a direct deposit? What the heck? As a student I got slammed for-a) not having a direct deposit {I don't have a job duh!) b) for not having a minimum $100.00 in my account {once again, I'm a student duh!)


Espcially for students, this bank really sucks. They wouldn't even let me call their call center from their office...said I should go use a public phone if I wanted to speak with the manager.

I TOOK MY BUSINESS ELSEWHERE!

I started a personal checking account with TCF about a year ago and with the monthly checks I was depositing and paying bills with, transactions went fine, with an occassional overdraft fee or two. Then after about 6 months or so, I got charged more overdraft fees which I thought was unusual but keep feeding money to the account assuming I must have overdrawn with my regular bills being paid (I do not have overdraft protection as they forgot to offer me then when I originally opened the account, plus I am disabled on serious medication so I assumed that they are being honest). Over the next 3-6 months, I had put in about $1500-$1800 extra and yet I kept getting checks I paid for bounced (which the money I put in was more than enough to cover the regular bills and more!). <br />
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All of a sudden, I owed TCF Bank over $600 which considering I had no overdraft protection and my checks were being bounced when they should had been paid and I thought I had more than enough money to cover my bills. <br />
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I complained to the TCF Bank and they (tellers and one manager) told me they could only reverse 2 fees per every six months, sorry cannot help. <br />
I asked for a printout of all transactions and found out that TCF bank had charged fees on top of fees and the extra money I deposited had all mostly gone towards paying their fees instead of my bills. So I froze the account which I was told would stop all transaction and fees being added. By this time, the fees owing was almost $700. <br />
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I kept getting threatening letters to hand my account to Collections if I do not make my account balanced to 0 or positive! I complained to BBB which TFC did not bother to respond, and sent my account to collection. Now they claimed I owe them over $1400! <br />
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This is illegal and TCF is draining people of money and their claims of $50 free if you start an account with them is just a bait to get your money! <br />
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Please help me, and also warn other people to be aware and spread the word of TCF Bank gouging policies. . <br />
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Thank you.

I am currently having SO many issues with this bank that I refuse to not speak about it anymore. THis is a warning to anyone thinking of opening an account with TCF bank!!!

FOr the last several months, a day or so after each payday which is a direct deposit, I start accruing fees up the wazoo! They normally total aroung $180 or more. I call and spend hours on the phone which usually results in a headache and only a small percentage of the fees returned to my account.

Specifically, my check went into my account overnight and the next afternoon I withdrew money from the ATM. That very next day I was charged a bounce fee on that cash withdrawl and due to that fee two small debit charges, under $10 each, also bounced causing more charges to the account causing it to go futher in the negative. When I spoke to the local branch manager they had no explanation so I called the regional manager and I was told that TCF's policy is to always give the customer what they request even if it causes a negative balance, when using a ATM for withdrawl. I told him I wanted the fees reversed and he said he couldn't do that. Some policy!

ALSO, last month I made a CASH deposit at my local branch before 11:00 am. I then went grocery shopping the next day and got gas in the car, normal stuff. Two days later I check my account and everything I did had bounced and my deposit showed up as being done a day later than I actually did it. I called, they told me that I was wrong about when i made my deposit, I went up to the branch with my reciept to prove when I made the deposit and they told me that the clerk that records the daily deposit must have done so AFTER the correct time so my deposit showed up the next business day. I was livid!!! They would only reverse half of the fees!! Also, no apologies were offered for their behaivor or for telling me I was wrong or for the teller hanging up on me.

Also, each time I have called and asked why they do this, change deposit days, change transactions days, screw me over, they explain to me that they are not changing the transaction or deposit days that those actions are done by the federal reserve!?! Are they serious? Why would the federal reserve be changing when the transaction from my local grocer comes out of my account.

This bank is extremely two-faced and is doing everything they can to take as many fees as possible from every person who banks there. I honestly believe that this is fradulent behaivor and wish there was a class-action suit against them. I'd actually sign my name to that just becuase I am soooo angry!!!