First they took advantage of us by charging us $74 in overdraft fees. When we asked that it be waived as we were not interested in their overdraft protection, they told us that there is nothing they can do because we are asking in more than 14 days after the charges were billed. This is nothing but an excuse. One of our transactions was $15. The overdraft charge that it cased was $37.
Then I locked out my account. The first rep I spoke to just unlocked it. Then I ended up locking it again 2 weeks later. I ended up with a different rep who had a completely different standard of what he will be needing to unlock the account. This one wanted the card or account number in addition to the usual social security, etc. verification info. I did not have it with me so he refused to unlock my account. So now great I have to call again later.
I need one more month to transfer all electronic payments out of it and then I can't wait to close the account. Hopefully I'll have an opportunity to tell the rep when I'm closing the account that they are truly "!@#$ bank."
I have had horrible service with TCF BANK. If you call the Duluth office in Minnesota they tell you that you must call the 800 number because the phone line (which is local) "isn't secure". That makes no sense.
Every time there's an error with their checking over draft fees (which it's $37 each time you make any errors or if they POST something after a deposit is made but screw around with the dates instead so you get over draft fees, which they do) - so enjoy paying $37 in nsf for any transaction, even if it's $1.10.
Also check out these fees they charge your checking account each month. You pay an ATM fee at any ATM that isn't TCF already, let's say $2.50 which says is charged to your account, well now you pay TCF each month too: Service Charge or Fee CHECK IMAGE FEE
$-1.95 Service Charge or Fee ATM FEE-PLUS SYSTEM
$-6.00 Service Charge or Fee
$-15.00 NON-ET NON-TCF ATM FEE
These are they fees charged to my account each and every month, so lovely.By the way they randomly charge the account, usually it's the LAST DAY OF THE BILLING MONTH, but if you happened to be "over drafted" and they charge these fees -- guess what? You get a NSF fee of $37 per charge!!
I think this place should be investigated for fraud.
They charged me fees over an over again it was a bank error every single time wouldn't reverse fees, by far the worst customer service the worst bank quality!!!!
Wouldn't be surprised to see the bank fold in the next 5 years, it's desolate and dead every single time I walked into a branch, now I understand why!!!! My advice don't ever bank with Tcf!!!!