# embedding_metadata

key: chroma:document
string_value:
I have been with TCF for years and I am so happy I will finally be switching after my next direct deposit hits. I have ALWAYS had overdraft fee protection on my account. If the money is not there I don't want it to be able to be spent. Unfortunately they don't honor this. If you try to use your card then the transactions would be denied but unfortunately I had Netflix pull from this account before. For some reason they decided to pull and TCF allowed them. I contacted Netflix and told them that they are pulling from the wrong account but TCF doesn't fix problems with a place you have done business with in the past. I have recorded phone conversations and talked with Netflix in their face but my dispute gets returned because as I previously stated since I did business with them previously they won't dishonor the transaction. I am done with these people. They feel they can do whatever they want with your money and they should shut down.


key: chroma:document
string_value:
So disrespectful to the customer Privacy. My parent passed away and I went to back to how would they respond to me as someone who doesn't have a account with them. But came with questions. I spoke with a lady about my parent account. She ask for only the Death Certificate. She put the ss number in, told me the account was close, ask me what's my name I gave her another name. At that time I would've thought she would have asked for my ID. Instead she told me who was the beneficiary and when the account was close and the amount that beneficiary received. She didn't know who I was cause she didn't ask me for me ID at all. Instead she told me all I needed to know. You must check to make sure your privacy isn't invaded.


key: chroma:document
string_value:
This is the worst bank ever. Customer service sucks! Sometimes you can’t even access your own money!!! When you can to speak to a supervisor they hang up on you or lie and say one will call you back within 48 hours. Only good thing is no monthly fee.


key: chroma:document
string_value:
I have been a customer with TCF Bank for maybe 13-14 years. I had very few issues with them, and nothing that was outside the realm of normal banking stuff. I had a checking account, and that's all. After being a customer for a couple of years with them, I moved out of the country for work. I kept my checking account open as a way of paying bills back home and generally keeping a presence in the country. For nearly 10 years, almost no issues. I would log in to their online banking maybe once every 3 months to check that everything is on the up-and-up, and that's it.


key: chroma:document
string_value:
They have one of the worst customer services I've ever experienced. A check that was deposited to my account was put on hold and they never told me why. It's been over a month, my bank account is negative and I can't spend any money. I call almost every day and they keep saying "wait 2 weeks" even though I've signed the check endorsement form 3 times. Yes, 3 times in the last month. Some of the customer reps have no idea how to help so they end up putting me on hold for a long period of time just to tell me, "sorry sir I don't know what's wrong." or "please just a wait a few weeks." First they tell me to wait a few days and now it's been over a month. What a joke.


key: chroma:document
string_value:
This loan is worse than any high interest rate CC, I am in Real Estate for 20 plus year. This has been a mistake for involving clients into this product. There is NO customer service available on site or by phone. Any issues are. Buyer beware, know what you are signing and getting involved into as with anything.


key: chroma:document
string_value:
Wow, what a joke. In agreement with most other reviews, this place has no customer service. For my particular experience, they never sent me my debit card or the "welcome kit" they claim to send out. After a month I finally contacted them and they arbitrarily closed my account, without notifying me at all! Of course they conveniently kept my money I deposited. When I asked when/how it would be returned to me the customer service rep said "you can feel free to go into any one of our branches and pick it up." I then explained I live out of state now and that would be impossible to which she immediately replied "it has been mailed to you sir." Really? so it's available to be picked up AND it's in the mail? Instead of running down that rabbit hole I simply asked when it would be mailed, she put me on hold for 15 minutes then told me "2 weeks". Complete nonsense and outright lies to their customer. Avoid this cheap fraudulent bank at all costs!!!


key: chroma:document
string_value:
My wife and I control her mother's finances. She has a CD at TCF for a 100K plus. We wanted to withdraw 10K to put into her checking account. We expected to pay a small penalty and we were told it would be slightly over $100.00 a high amount considering we have done this before with other CDs at different banks. And then to our surprise we were told this CD was only drawing .15 percent interest, next to nothing for the past 9 months. When we asked why, we were told it automatically renewed at the lower rate. We then asked why we weren't informed and were told a letter went out (which we never received). 


key: chroma:document
string_value:
If I could give them less than 1 star I would. TCF made our relocation to another state awful when they abruptly closed our account due to unusual activity. Not a single warning call or text to verify if the usage was ours and we were left without access to our funds because of it. They required a certified letter in order to allow us to get our money out of our account. Thanks for wasting the last 20 years TCF and treating long time customers like they were trash. Glad there isn't a branch in our new state.


key: chroma:document
string_value:
I too went to TCF Bank in Robbinsdale to cash in my 40 dollars in coins and only got 14 dollars back cash! The machine kept spitting out my coins and the manager said to keep feeding the coins in. The machine was fixed on only calculating 6-7 dollars and that was it. I should have stopped the first time and take my money. I talked with the branch manager after that and he said, "How much did you have?" and I told him I counted 40 dollars before I came in. He did absolutely nothing other than give me my 14 dollars that I had paper receipts for. I should have done what the woman did in another comment and close out my accounts!! Is it the branch that profits from the extra coins that I lost during this exhausting effort to cash my coins in???? I challenge the officials to call or contact me with this concern.


key: chroma:document
string_value:
I went in this morning to change coin in the counting machine. I knew that I had more than 120 in gold 1 dollar coins. After the counting the fed out receipt only tell me that I have 58 instead of the amount that I count. So I asked for the branch manager and he said, "The the machine is very accurate. There is nothing that I can do about it." then I asked, "So I lost my money?"then he said nothing he can do. So I asked him, "Do you know how much you have in there." He said yes. Then I asked him, "Why don’t you count them and you'll know if it shorting my money or not." Then he told me there'll be someone come I once a week so then I agreed to that. I wish they should be more professional on customer problems solving instead of ignoring them. I closed 3 out of my 4 accounts from TCF and will be closing the 4 one soon.


key: chroma:document
string_value:
Had a positive balance days before Sept 10 and the morning of September 10. Had a deposit come through that morning. Had transactions pending but still more than enough funds. Went to use atm in the evening and account was overdrawn. Been charged 2 overdraft fees because I was told a charged drop the night of Sept 9 but was short $7 before deposit Sept 20. So it also caused another charge to be short. I called and asked if fees could be reversed since a deposit was made in less than 12-24 hours. They pretty much told me no, and if I didn't want to be charged overdraft fees for the other pending transactions I need to deposit $11 before midnight. Unbelievable, rude, not for the people and have the worst customer service. I will be going to another financial institution. Maybe Huntington since they give you 24 hour courtesy.


key: chroma:document
string_value:
I find it unbelievable that I cannot access any statements for my HELOC with TCF Bank through the website. The only thing they let you see are your previous payments but there is NO way to access the actual statements! And the only way you can even talk to someone about your account is if you have your 17 digit account number, which is ONLY available on your statement! You have to call them, get placed on hold, then pray that you wrote your 17 digit account number somewhere (or they won't talk to you). And then they send you an email where you have to set up another account with Cisco to open the attachment that has your statement! All the hoops are ludicrous!


key: chroma:document
string_value:
We do banking on both sides of the border and had not had issues with TCF's handling deposits of Canadian cheques until recently when it took 6-8 weeks to process exchanges and we were charged exorbitant rates for the exchange.


key: chroma:document
string_value:
I bounced a check with this bank and instead of charging me once, they charged me 3 times. They decided it was fair to charge me every time the check was represented for payment. Be very wary of them. They wouldn't reverse ac anything more than 1 charge out of over 100. They never paid one cent of the bounced check.


key: chroma:document
string_value:
This is crazy. They are not modern in policy or personel. Very rude and short. I deposited a check from Bank of America and they asked me my I was in Minnesota? Very unprofessional in 2019. Then they placed a 10 day holds on the check!


key: chroma:document
string_value:
Stay away from this bank! TCF totally doesn't care about their customers. I called about a double charge of $12.00 on my card in another state. Their answer to me was to drive back to the other state & complain to the business in person. WHAT!!! My advice to TCF customers is to close your account while you can. You'll be sorry. TCF means: Total Customer Failure.


key: chroma:document
string_value:
I call July 29th to the bank customer service to discuss an error from my checking account record to the online account record. After being on hold 37 minutes speaking with 2 different customer service agents I was hung up on and had to call back. A 3rd customer service agent could not help me so I asked for a manager. Of course there are no managers available or on the floor. On July 29th I was told a manager would call me back. Fast forward to today August 6 still waiting for the manager to call back, so I call in to customer service. After speaking with 2 more people I still do not have an answer. They can't explain to me why my online portal information does not match what their online portal information says.


key: chroma:document
string_value:
I opened a checking account with bank and it was the worst experience I have ever had with a bank. First of all, their customer is not even located in the states so that’s the first red flag. They pay way cheaper for their customer service to located outside the States - cheap route. Secondly, to go in hand with the first red flag they don’t care about their customers. I cashed 3 payroll paychecks and they hold my funds to verify the check is legit, okay fine. But they held, every time, the FULL amount of my payroll checks! I called to see if they would at least release a portion of MY MONEY and flat out denied me. IT’S MY MONEY and they already verified two past payroll checks. They SUCK to bank with and their customers are their least concern. Checking Account CLOSED!!


key: chroma:document
string_value:
I opened checking account and I have a charity which I expressed to them. When I went into the home branch as my account was done online I have encountered friendly cashiers and I didn't have any issues until the fraud dept was alerted by their system extensive spending which I felt was none of their business. That was one of the problems and the rest I will share. I went into the TCF branch near me and wanted to speak to manager who was out for the holiday weekend and I was told as my daughter was with me that my account was flagged due to fund deposited then taken out then deposited again. Well what’s that got to do with me if the funds cleared and there was no problem which there wasn’t.


key: chroma:document
string_value:
I chose TCF because of the free checking, but unless you have money in your account they will not release any funds. If you've ever had any overdrafts, that makes it worse. People go through things, TCF doesn't care. They seem heartless and don't care about their customers. After this last experience I will NEVER bank with them again. Also, the local branches that I've been to here in MKE (Miller Park and North side branches) are horrible at customer service, explaining things, following procedures. They seem to make up their own rules, as if the banks are independent of one another. Maybe they are? Either way, I wouldn't recommend TCF to my worst enemy.


key: chroma:document
string_value:
I wake up one morning to a stolen wallet & well over 5,000 in charges on my debit card. Due to this happening, I lost all my savings and promptly called my TCF to report fraud. After doing so, I wait patiently to get my funds back and file a police report. Upon doing all these things, I get a letter stating that the transactions will not be getting reverse due to the fact that I was INVOLVED and knowing that these transactions were going on. I could not believe my eyes and upon calling customer service I received no help and a extremely rude and bland woman who refused to be of any help whatsoever. I honestly can't believe the bank would not reimburse me for what has been taken away and now I sit here in despair and hopelessness.


key: chroma:document
string_value:
I called to speak to a lead representative. His name was Xavier. Her was being very sarcastic and rude over the phone. I been with TCF for a year... Some warned me not to do business with them. I have 300$ worth of late fees. Within a month. When I sat down to go through the process to be bank with them I was not aware that they will take 37$ every time something didn't follow through with my account. His customer service skills was very poor and so as the service with them. I will be going back to Chase!!!!


key: chroma:document
string_value:
TCF has a ridiculous habit of putting transactions off until your account is low enough to collect overdraft fees. I opted into the overdraft service as a "just in case" fall back. This past weekend I had made purchase for rent and daycare and wifi and electric with enough to cover those charges. That Monday I made a few emergency purchases I was expecting an overdraft fee for. 


key: chroma:document
string_value:
I closed my dad’s estate account because TCF notified me that they would start charging me $10 a month because of inactivity. They made the refund check out to my deceased father and, because of this, my bank will not deposit/cash it. I do not have a local TCF branch by me. I was on hold for 52 minutes with TCF to see if they could reissue the check in the living peoples’ names (my mom and I were on the account) but they will not. Now I have a check I can’t do anything with and TCF is basically keeping our money. I do not recommend doing business with TCF!


key: chroma:document
string_value:
I recently deposit check on my account from my wife’s bank account and normally it would take two business days to process the check. But on third day when the fund was still not cleared then I called up the customer service in order to know why it was still not yet processed. She told me that it was not cleared and verified from her bank. I thought it was fault from her bank’s end. Right after the call we spoke with Wells Fargo and they told and assured that the fund was already transferred from her account a day before and when we checked her account it was already posted a day ago.


key: chroma:document
string_value:
I have been with TCF bank for a few years now. I last was credited for Overdraft fees in June 2018, a year ago. Due to the constant pending transactions & the way business is done at this bank, I’m stuck paying thousands in overdraft fees for stuff that was paid 2-3 days ago, etc. I truly believe there is some kind of mark or prejudice regarding my account. I have been told numerous time that after one year I could receive overdraft credit adjustments as a one time yearly. Fair enough. However, TCF consistently REFUSES to credit any Overdraft fees. For the months of April, May & June is ridiculous fees. I would not recommend TCF at this time if you acquire help. I hope TCF will do as promised on their recorded line & credit my account.


key: chroma:document
string_value:
What's painful is having one of your kids make a mistake and it costs us and his sister getting hacked and all our money being taken from checking and savings accounts. What's worse is TCF bank saying my son made the mistake and it's not on them. Being a very long time customer - I now know we are not valued. And the hackers/scammers spent all the money in one day in California where we have not been at all. It's hard living pay check to pay check let alone having this happen. It is devastating. Try going almost 3 weeks with no money. 1 step forward and 5 back. Thanks TCF. If you're looking for a bank, I recommend you don't go to TCF.


key: chroma:document
string_value:
This particular TCF branch has discriminated against me twice in the last six months, most recently a few days ago when they refused to accept a cash deposit unless I provided identification. When is identification a requirement to deposit cash into your own bank account? Both times I was forced to go to another TCF branch who took the deposits with no questions asked or demands for identification. This branch is staffed by a majority of Hispanics, in fact on both occasions there were 4 Hispanic women who seemed to enjoy refusing to provide service to me and suggested I go to another branch. 


key: chroma:document
string_value:
Despite having more than enough money in my account when making purchases (and made sure I would have plenty left after these purchases) I was charged an overdraft fee totaling around $100. I called the bank to see if I could get a refund on this fee since I wasn't even opted into their overdraft option (so they shouldn't have let me overdraft even if I did go into negative numbers which I didn't). They told me over the phone they didn't see any charges in regards to overdraft fees. They said this as I was holding a letter from their bank in my hands clearly showing they charged me overdraft fees.


key: chroma:document
string_value:
This bank, both the phone line's call center and the branch at the Quarry in Minneapolis, are the most inept I've come across in decades. I cannot wait to get my money out of this place once and for all; I will never willing do business with them again. They totally messed up an inherited IRA, didn't have correct information on three accounts, failed to acknowledge I was indeed the real beneficiary, failed to know even the basics about required minimum distributions on IRAs, continue to not send me any statements of account, can't answer basic questions, and cost me an unnecessary lawyer's bill to get this straightened out because their record keeping was erroneous. It is still messed up.


key: chroma:document
string_value:
There is little or nothing positive about TCF. They can make up a fee for anything and record entries in your account to ensure that they line up to create overdrafts. And recently when they made a mistake in my account they refused to take any responsibility. Many other better more customer friendly banks out there.


key: chroma:document
string_value:
This has to be the WORST BANK in the USA, BAR NONE. Fees, Lousy service....Total Scam. They ripped me off for around $2800 on a phony interest scam. I threatened to call the DA and the Regional Manager offered me $500 as compensation. BE CAREFUL....Better off with another BANK...


key: chroma:document
string_value:
Once upon a Time TCF Bank called us and said, "We suspect there are fraudulent charges on your account. We're going to need to close your account to protect your assets. Don't you worry customer no more fraudulent charges will pass through your account because we've got you covered." "No you can't lock your card but don't worry. We're going to issue you a new card. Of course you'll have to drive all the way to a bank branch to do this but we have free coffee." I woke up about a week later to the postman delivering mail from TCF Bank saying that they had reversed the charges. I'm taking the money back out of my account for these fraudulent charges. Oh wait a minute they never put the money back in my account tote it was always out.


key: chroma:document
string_value:
Terrible bank, instead of increasing my line they want me to refinance it, took over a month, lost pay stubs, had income documented in err. In lieu I decided to pay off the existing and move on to Garden State.


key: chroma:document
string_value:
Poor experience overall. Little functionality on online banking portal, no digital statements or records. Due to the lack of online banking functionality, it was difficult to get accurate information about the current account balance and escrow balance. Terrible experience when our condo was moved into a flood zone. TCF escrow dept. purchased the most expensive flood insurance policy possible to cover our mortgage. I have since closed my account.


key: chroma:document
string_value:
TCF Bank will take your money. Do not do business with this bank. Bank will not stand for the customer if someone took money out of your account. If there’s below zero I will give this bank -10 stars -10. Be careful everyone.


key: chroma:document
string_value:
I went to TCF Bank branch to cash my $6,000 check and was told there would be a 3% check cashing fee because I did not have a account with TCF. I agreed to the 3% check cashing fee which was $180 dollars. Then after standing there for 20 minutes they told me they could not and would not cash my check that was drawn off their Bank their customer so I walked out with the check I walked in with, no money and a very pissed-off attitude so I suggest if you have a TCF check tear it up and throw it back at the person that wrote it to you because that bank will not cash it.


key: chroma:document
string_value:
I made a purchase through wish.com app for an expensive water slide. The charge was for $553 dollars. It was junk, I sent it back through wish.com process with label they provided me. I never got my money back as wish said they never received it, when in fact they did. I filed a dispute with TCF and have been trying repeatedly to get my money back, sent TCF all of my documents that PROVED I sent it back and that Wish was lying saying they didn't, and even with ALL of the proof, they refuse to stand by their customer and are siding with Wish. So now I have no product, and no money. I have been a customer for 9 years. And this is just awful. I am closing my account and going with a bank that will stand by their customers.


key: chroma:document
string_value:
TCF stands for THE CORRUPT FILTHY. 1. Horrible customer service. 2. Discrimination. 3. Misleading corrupt information. 4. No loyalty to customers. 5. Unprofessional. 6. No values. I am currently in the stages of disputing 2 ATM transactions - third party ATM. The 1st incident the ATM machine went into collaboration a phase and no monies dispensed. I waited and tried it again. I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCF’s customer service number and was told the transaction should fall off as it is in pending status. The transaction did not fall off and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated “TCF is investigating this dispute and you will hear from us by 1/3/19.” 


key: chroma:document
string_value:
TCF Bank was sued by the Consumer Fraud Protection Bureau (cFPB vs. TCF Bank) and ordered to refund customers for overdraft fees occurring between 2010 and 2013, approximately (pls look up exact dates). Just wondering how many customers have received a refund or at least a notice of such? For some reason I have been excluded, avoided, etc. I smell a rat and more scams...ugh!!! Not sure what to do next?


key: chroma:document
string_value:
My name is Eleanor and I think you all should close TCF Bank down because this is the worst bank in the world. They kept charging me overdraft fee for some **. Told them to take off and once they took it off they still charge me it. Is anything I could do to this ** bank? I wish I could sue they **.


key: chroma:document
string_value:
TCF BANK is the worse!! I have been charged over 250$ in overdraft fees! They are holding debit charges over a week before collecting the money. Waiting until your account is below the amount and putting payments through; therefore causing overdraft fees. When asked about it they blame the merchant!!! I know this is to be untrue because one of the "pending payments" was a payment from an ATM. ATM withdrawal should not pend for 3 days. This bank is the absolute worse. I do not recommend to anyone. The things they are doing has to be legal. I plan on taking this further. I'm contacting the BBB as well - maybe even the news station. They must be stopped!!!


key: chroma:document
string_value:
I went to the bank lunch hour using my work id and social security to withdraw money to get lunch. The teller wouldn't let me, fine. I accepted that that day I forgot to bring my credit card so I went to nearest Jewel's. But I found out that someone was able to go into my account and deposit 500$ and make a deposit slip forcing my name on it. This person doesn't love me, this person cheap. This person in order to violate my account and get to know all my activity and transaction did that. So yes I want this teller who was on that transaction to be punished and I want this teller to understand that such abuse should stop. 500$ deposit is too cheap as price to violate my account so yes terminate that teller. Maybe they would understand the account security when they do so. 


key: chroma:document
string_value:
I became a TCF customer during my time attending the University of Minnesota, as they are the official bank for the school. Never once during my account opening nor during any of the many consultations I had over the years in a branch with representatives was it made aware to me that I should not have this bank if I plan on moving out of state. Fast forward to this year, I move back Alaska where I am from and subsequently lose my wallet. Now in my experience banking with Wells Fargo, I was able to order a new debit card over the phone (provided I can pass the security measures and verify I am the account holder). TCF required me to get a notarized letter and send it in to the bank. After waiting a month to receive my card, I was told that the PIN would arrive separately in the mail. 


key: chroma:document
string_value:
I'll be on vacation when one of my CD renews, Friday to Sunday, one week. The grace period is 7 calendar days not business days. The CD matures on Saturday September 29th, after I leave and grace period is the Saturday after I get back. So I figure I'll call up and see what it will renew at, I was told it would renew at the 13 month and now that is only paying 0.3%. They have a 14 month running for 2.23% now. They don't know what will be available on September 29th for 13 months. I asked what the charges would be if I closed the CD out on that Monday after I got back. I was hung up once by their agent and then a supervisor, Kim. Finally got someone, Sam, to give me a rough idea and was told it would be, $150.00 to $400.00. The agent, Sam, also said I could renew the CD at the 14 month over the phone. At this point he didn't instill my trust in TCF.


key: chroma:document
string_value:
AVOID THIS BANK AT ALL COSTS. I've used TCF since I first started working and there weren't any issues. I set my card to where if I hit $0 it stops spending. No issues right? Wrong. The bank turned off my limits so overdrawing became an issue. Don't get me wrong, I am checking my account and the times I have are when I just get paid and am checking regularly to make sure things are regular. Yes, I've gone over a few times due to me not watching as carefully, but this has become a full blown issue where every single one of my checks are being drained into the bank since I constantly have an overdrawn fee even when there IS money in. I spoke with two representatives about this and they agree they genuinely dislike what I'm about to explain. 


key: chroma:document
string_value:
I called TCF to find out why my online banking showed I had 560 in my account but the automated system only showed 410. I spoke to a nice lady who even pulled up my online banking and confirmed that it did not match what she was showing my balance. She said she will forward it to IT so they could fix it. This happens so many times and screws me over in fees. Then if I call back afterwards they said that it's not their fault I should keep a ledger. 


key: chroma:document
string_value:
Free checking is the first lie told by this bank or they don't you is that it only lasts 6 months then you have to dispute and watch for any fee they can dream up. They pretend that they will correct the problem then turn and say, "there's nothing I can do". I do not feel like a customer more like a host for a parasite.


key: chroma:document
string_value:
I went into the TCF branch in Jewel on Arlington Heights & Rand Rd. I spoke to the associate and gave her a smile but that didn’t help her because she was very very rude, not friendly and didn’t want to help me with my transaction. She was loud talking me in front customer until one of her co workers had to tell her to stop. By that I was so upset. I left in tears. I didn’t finish my transaction. I went home and told my husband what happened. He called the branch manager and spoke with her. I will never go back to this branch again. This happen on August 22nd 2018. I’m a very very very unhappy customer.


key: chroma:document
string_value:
Any government people know how to stop an ongoing theft? I recently had 2 charges come thru my TCF bank account, electric generated checks with 10 year old information, wrong spelling of my name and no signature, had to close the account to get them to stop. Now I get a letter saying they can charge me a stop payment, for every check that comes in SO now they have it all worked out so either you let the false charges continue or continue paying the bank stop payment charges. 


key: chroma:document
string_value:
Direct Deposit did not post. I called the bank and the girl said they were having issues with deposits posting. The girl said to check my account now and it posted. 2 weeks late, Direct Deposit did not post. This time an automatic debit came in overdrawing my account. Called customer service and she said it was my husband's HR department posting the check a day later than normal. I told her he gets paid the 15 and 30th. She said, "Well the money came in on the 13th and 29th the last time." I said, "Well that's because he gets paid the 15 and the 30th." So I said, "Now what do I do because my account is overdrawn." She blamed it on the HR department. So basically I have to pay the overdraft fee. I am done with this bank. Problem after problem.


key: chroma:document
string_value:
I wish I would have read the article about this bank being sued for illegal practices before I started to bank with them. I have reported to the BBB and also this website to warn future consumers of their illegal practices. I have opted out of overdraft protection, yet every month I get hit with over $200.00 in fees for overdraft. The great part is that, my account is always positive. I make deposits every Monday and Friday. These fees show up on the weekend with no notification or communicating to the customer. They just SHOW UP. I called to get it figured out and no one can help me. I closed my savings with them a few months ago because they suggested to have one in case these invisible overdraft fees come again to balance the checking account. That never happened either. 


key: chroma:document
string_value:
I'd give them a zero if it was possible. I had fraudulent charges on my account from Amazon. I pointed out which ones were legitimately my charges and the 2 which were fraudulent. They took their sweet time and then said it was not ruled in my favor. I called again and spoke to another rep and said I want the case reopened. I spoke with Amazon who sent me an email saying that they found another account using my card, had closed the account which I forwarded on to them along with screenshots of my legitimate account showing my legit purchases. 


key: chroma:document
string_value:
I filed a dispute with TCF. They sent me a letter three weeks later denying it. It was made in early May. When I called they said it was filed the day before a letter went out. Either the rep is lying or they did not put the dispute through until 3 weeks later. This bank has made several mistakes! Stay Away!!!


key: chroma:document
string_value:
I moved from Arizona to Pennsylvania 2 years ago and kept my account with TCF... I have had numerous overdraft fees due to the fact they are not accurate on the online banking as well as when my automatic deposit goes in it seems they do not have accurate times from East to West Coast. The customer service was rude and seemed not very knowledgeable. I will be transferring my money to another bank.


key: chroma:document
string_value:
While TCF is not the biggest bank, they make up for it in service, and caring for their customers. They do an excellent job of offering the same products and services as the big banks but I don't feel like a number at TCF versus the big banks.


key: chroma:document
string_value:
My daughter has dealt with TCF for 25 years starting when she was in college. This year she worked two jobs. Her second job was at HOME DEPOT and because they tried to work her to death she became ill and quit giving them 3 weeks notice. She had direct deposit with TCF and Home Depot sent a pending deposit and then a reverse. The bank never got any money from HOME DEPOT but that did not stop the bank from emptying her checking account. 


key: chroma:document
string_value:
I banked with TCF for 20 yrs and with Great Lakes Bancorp before they were bought by TCF. They sent me a letter threatening to close my account if I didn't tell them the details of a $500 PayPal payment on my account. They wanted the sender's name, physical address, date of birth, occupation and nature of relationship. The payment was from my brother to pay for a computer he bought from a guy on Facebook. He lives 180 miles away and I did him a favor of paying for it and picking it up until he could pick up. Completely innocent but I don't think TCF has a right to question my PayPal transactions that are 100% legal and the reason PayPal exists. I opened up a new account with PNC, closed both TCF accounts, business & personal. I am now moving my mortgage from them to somebody else. This is something I should've done years ago. TCF has always been a terrible bank.


key: chroma:document
string_value:
I recently opened checking account there. I was told when I opened the account that with mobile checking there would be a 2-day hold. Now they're saying that it will be longer. They released half of the check but took those funds back and now I don't know when or if I'll be able to get the funds. It was a payroll check.


key: chroma:document
string_value:
I have Mortgage (I.O) with TCF and due date is 23rd of month and I make autopayment on 20th with 70$ more than usual monthly payments. I still get charged with late payment fees for last couple months. Not sure what’s going on. Deceptive practices!


key: chroma:document
string_value:
I have been a customer since I moved to MN a little over 2 years ago. I have 3 accounts with them. My son just got his first job, and we wanted to open a teen checking account for him. TCF said that they no longer accepted student ID's and he must have a State issued ID. I complained as he is a minor and was able to get a job with his student but cannot cash his checks, and we would have to wait several weeks for State ID to come in mail. Plus, he has a savings account with them. I was told no exceptions, but they would take the "yellow" paper (given by DMV) as proof that ID had been ordered. We do as they say, and bring back the "yellow" paper just to be denied again because no ID number is filled in (they do not fill in ID numbers for new applicants.)


key: chroma:document
string_value:
This all started by my landlord informing me my rent never arrived. I called the 800 line to see what I needed to do to cancel a check. I was told by Martin that I was a great customer for many years with no overdraft fees & he would see if he could cancel the cancel check fee. He came back on the line & stated he could not do that. I asked for a supervisor & got Kristin she stated she could not waive the fee but would close my account so my fees could not be taken out with my check info. She stated she had closed the account & all I had to do is go to my local branch & they would setup a new account give me checks & a debit card there. I went to the Edgewater, CO location to set up the new account & was told they did not need to close my account so they reopened it. I then asked about cancelling the check. She asked for the check #. I gave it to her & was told it would be $35. 


key: chroma:document
string_value:
Been a member for almost 20 years. It's such a pain to change accounts and I always say I'm going to but never do. So I guess at this point I have no one to blame but my self. My complaints are many: From deducting hundreds of dollars and then charging me fees that are from someone using a closed account 6 years after I closed it. (Was an active member the whole time) Then saying there is nothing they can do because it was 6 years ago and they no longer have a record of it and it's too late to order an investigation. Even though I had proof that I didn't write that check. I said, "you didn't let me know about this till 6 years later." They said, "I'm sorry, but there is nothing we can do".


key: chroma:document
string_value:
I just got a letter from TCF, October 20, saying a recurring transfer that was scheduled for August 29 was not made because of "an unexpected error." In fact, the recurring transfer was not only missed on August 29, it was wiped out altogether, meaning the transfer for September was not made either. That's seven flipping weeks between the time this terrible error occurred and the time I was notified. I agree with others' comments about the new online system. I didn't know they had switched my account over until I was unable to log in to my account. Once I was set up on the new clunky system I couldn't navigate. Absolutely terrible.


key: chroma:document
string_value:
I enrolled both my personal and business accounts at TCF in their new online system. The personal account didn't fundamentally have any errors except the system itself is far inferior to the old one. However, in enrolling the business account's data was completely lost. No transaction history at all and transfer accounts that had been set up were gone. I had to call them four separate times just to get 60 days of transactions put back in the history (they claimed that's all that could be done even though my personal account has all transactions from the beginning of time available.) When I called a 5th time regarding the transfer accounts that had previously been set up they said that service (to transfer money to an outside account) was no longer available! 


key: chroma:document
string_value:
Worst bank ever! Just found out I had something on ChexSystems after pulling all reports and lo and behold it was TCF Bank 2 times! They should be shut down after my 1st experience with their constant balances being incorrect. Holding my deposits for days and telling me my money was there but it didn't show online. After purchases I was hit with numerous fees and then magically my deposit went through and I was in the whole hundreds! This occurred on a regular basis. Then supposedly I opened another account and I owe almost 200.00? Then reported me to ChexSystems and now I can't open a damn bank account. I rather chew off my right hand then let them get another penny from me! I have written letters... we will see where it gets me but I'm not an idiot and have already retained legal counsel. I'm ready to sue.


key: chroma:document
string_value:
I agree with everyone else that said their new digital banking system is designed to make you pay overdraft fees because what happened to me recently never happened to me on their old system and this new system is so cumbersome and makes it’s so hard for you to keep track of your transactions. I made sure to always check my account on a daily basis because I find out I don't get debited immediately for some purchases I make and the only way to prevent having overdraft is to check daily so I can make sure there's enough money in the account when its debited but the only day I didn't check my account is when I got an overdraft fees for a $7 purchase.


key: chroma:document
string_value:
I will be suing TCF bank over these fees for not having over $100 in your account. These fees, and all other fees are conversion or theft. Banks in this country are all about stealing from people, and we should not be doing business with them, other than suing them. I asked for the fee to be waved as I closed the account, and he said no. So... see you in court.


key: chroma:document
string_value:
TCF new system is terrible!!! TCF shut down the old system and pushed customer to use the new one, but the new system does not work!!! I have a business account with TCF and cannot log in. TCF also deactivated my business card and never sent any letter to inform about that!!!


key: chroma:document
string_value:
This bank just sent a notice of account closure without any explanation. After hours on the phone with numerous clerks no one in the organization could give me a real reason for the account closure. Clerks were very rude and unknowledgeable. They refuse to connect me to the branch manager. I have been banking with various banks for years and have never had such a rude and unprofessional experience. I highly advise not to do any business with them. Would not be surprised if they close down very soon. I am a caregiver, have my payroll going through this bank account, and have no other suspicious activity or transactions. Stay away from this bank, as it is their practice to cause you major inconvenience without any warning or explanation.


key: chroma:document
string_value:
Their new site is just terrible, before this past Saturday 9/16/2017 their site didnt show an accurate running balance so get ready for some overdraft fees. Why would they have it like this?!? Are they trying to get people to make mistakes. Their CS could only remove one of mine and refused to remove the other. Looks like I'll be looking for a new bank now. You lost a customer over $37.


key: chroma:document
string_value:
We sold a home we had a HELOC on with TCF and paid the HELOC loan off in full. 90 days later we still do not have a refund check for a payment made in the same month of the sale. They actually sent a check once, to the house we sold, which is a rental property and which we had been on their records for 10 years with a billing address of our Colorado address. STUPID! Then last week they were going to send a new check overnight that day, we were told. WRONG. One week later they still haven't even issued the check! And nobody knows why and nobody is calling back. Our next move is to report this to the Michigan Attorney General.


key: chroma:document
string_value:
TCF has the HIGHEST fees from all banks in my area (Michigan). And they will charge for everything, from using your debit card to pay at the store, to even transferring funds electronically (online) from checking to savings! I called and asked why they charge to move $1000 from checking to savings, and they cannot explain why. I guess is just they wanted to charge me for something. No reason or explanation needed. Also, their new digital banking is causing all kinds of duplicate transactions with my financial software. Talking to Intuit (Quickbooks and Quicken software), apparently they have very many TCF users complaining of the same issue.


key: chroma:document
string_value:
I have spent the entire Labor Day weekend trying to help my elderly mother log into and create a Digital Bank account with TCF bank. I have tried to retrieve her account so that she can review her bank transactions since the month of June 2017, with no success. I along with my mom spent hours on the telephone with multiple TCF representatives giving us the same instructions to reset her password in order to log onto her checking account. After the password was created and then entered, the system and she is still unable to log onto her account. A representative instructed me to take my mom to a local branch of TCF to get a new password for her digital banking account.


key: chroma:document
string_value:
On two separate occasions I have had a need to contact the customer service department. On both occasions I was on extremely extended holds exceeding 30 to 45 minutes. I went to a branch today at around 12:15 p.m. and was shocked to see that there were only two tellers in the branch which is ridiculous as Social Security checks are typically issued right around today's date. Even if checks aren't issued with today's date again there's insufficient staff specifically at lunch time. I left the branch not having completed my transaction because of the shortage. I have found on several occasions both in the branches as well as on the phone they are not staffed properly. This will probably be a contributing factor to me probably leaving TCF Bank. Promotions do not make up for the time one has to wait to speak with a person either face-to-face or over the phone.


key: chroma:document
string_value:
I have had purchases made on my debit card on several different occasions and the bank notified me immediately to see if it was me. They immediately cancelled the card and took care of everything. They are much more effective than LifeLock who I had at the same time and never alerted me once.


key: chroma:document
string_value:
TCF Bank has made it mandatory for customers to switch to their new system. Seven days ago I made this change for my Business accounts and several other personal accounts. TCF HAS NOT PERFECTED this change over. My accounts are not linked and I CANNOT see any transactions. As a business owner, I need to do things like PAYROLL, STATE TAXES and VENDOR PAYMENTS. I have called four different days and keep getting the same answer. We are sorry and this should take up to THREE business days to correct the problem. This is day 6. Payday was Saturday, State Taxes are due Today. The best TCF can do for me is to have me go to a branch and they can run a manual transaction report. Did I mention that I am a Small Business? I do not have time or staff for me to leave and go to the bank. This is SAD. I am disappointed in this change over. I have been a TCF customer for over 20 years.


key: chroma:document
string_value:
Starting from the year 2011, I've had many issues with TCF Bank, and they're costly overdraft fees. I was told I could not opt out from this service, and have tried to close my account on many occasions. This bank preys the most on college students, and is not clear even on paper on how they operate to constantly take money directly from college kid's bank account. They also prey on those that reply on SSI and/or SSA to survive. They target them as a part of their first set of victims to "balance the books". Customer service is extremely unhelpful, and even the loyal consumers they've had for years still receive no benefit, nor announcement of when their actual "cutoff" time is per day to even give their clients the opportunity to fix this to avoid yet another fee. 


key: chroma:document
string_value:
After reading a number of reviews I have seen no mention of the latest TCF pitfall their migration to their new TCF Bank New Digital Banking online system. Because of how much TCF changed the online experience and even worse; a cardinal rule - never, NEVER failed to migrate over someone's history. Never, NEVER give them something and then take it away. HORRIBLE IDEA. On the previous TCF Bank online system was simple to use and I had all my payee setup (no different from today or I'm sure other banks) but the configuration stored all of my historical e-bills for all my payees (all utilities, credit cards, etc.).


key: chroma:document
string_value:
I've been using TCF online for yrs and they've decided to change thing for the worse. I have bank accounts at other banks and they all seem pretty similar. TCF has decided to come out with a new system that must have been written by a child that's never had a banking account. It's always bothered me that you need to keep a running tally in your head or on a separate piece of paper while you are paying your bills because instead of telling you what's remaining in the account you're drawing your outgoing payments from, it's telling you the amount of the payments AFTER you've made them. 


key: chroma:document
string_value:
Wow I wish I had came here before opening account at TCF Bank. Where do I start; complaint. No1, this bank main source of income is overdraft fees, which they numerous ways of getting it out of you. One of the many of their tactics is pretending to cover a charge and then later you find out that they really never paid it. So then they credit it back to your account and now they can charge you a NSF fee $37, for nothing. So I spoke to a so called supervisor who told that their so called opt in clause, you know line of ** they give you that suppose to cover charges in case of overdraft plus the fee mind you. So you agree to that opt in, sounds good right. Until you find out that they really don't pay the charge even if you are over by 3 cents. But they do get the fee for not covering the charge. She told, "Oh it's not a guarantee that we cover." So I said, "Isn't that a bait and switch?" 


key: chroma:document
string_value:
This bank does everything they can to get your money and hold on to it. I opened an account through the University of Minnesota when I started there as a graduate student, thinking it would be convenient. It wasn't. From poor online services to lack of ATMs, this bank makes everything a hassle. I closed the account a few months later and moved to a credit union, pleased to be finished doing business with them.


key: chroma:document
string_value:
I will make my story short and straight to the point. If you want to save some money stay away from TCF BANK. This bank is manipulating the transactions that you made to push your account into overdraft. They will put/prioritize the big transactions first even though it's just been transact and leave the small transactions that has been there for 4 days. When I called them to complain about it, their answer is they can't control that because it is the merchants call when are they going to take their money. So long story short if you're trying to balance your money you have to wait 4 days before doing another transaction. So if you're broke and live paycheck per month please stay away from this bank. You're going to save a lot of money and stress. And by the way, I wish there is some sort of committee that investigate this or do some experiment about this case and I am very happy to join and share everything what I have. Thanks and have a good day.


key: chroma:document
string_value:
My girlfriend ordered some face cream for $5. It was supposedly a sample. But hidden layers into the internet ad, was a hook saying that if you didn't return the cream you would be billed for $195. Our account got billed for the $195 and TCF would not give us our money back. I applied to their consumer fraud department twice and even talked to the store manager on Robert Street TCF. This despite there being tens of thousands of people ripped off by this face cream company on the internet. Then my account had about $700 taken out of it over three withdrawals from somewhere in Africa. I missed these, my mistake I know, but you would think they would have some safeguards in place to catch this sort of fraud?? Like credit cards do?? I went to them about 6 months later and they told me, "Too late, and too bad".


key: chroma:document
string_value:
I've re-fi'd a few times, I even re-fi'd with TCF a few years back. It never too much more than a month. 3+ months? Ridiculous. The only reason we didn't go some place else to re-fi was because we'd already given them $500 for the appraiser, and they weren't about to refund the money. I did close my checking and savings accounts with them. Too bad. I've been a customer since 1966. It used to be a great bank. Wish I didn't have this new loan with them. Another issue: I heard from a former TCF employee that if a customer has numerous checks to be posted to their checking account their system is set up to post the largest checks first, in descending order of the check amount, in order to maximize their NSF fees. Scumbags.


key: chroma:document
string_value:
I am done with this POS bank. All they do is ** you with overdraft fees. I haven't used my card is over a week but am negative almost 200 bucks. I cannot afford to pay you MF's all my money every month. I'm done. I'm getting my last check out and closing my account. Worst bank I have ever had. ** you TCF.


key: chroma:document
string_value:
I've been sitting in the lobby area for approximately 30 min now. Signed in their so call help log. Been waiting for more than 30 min now. There's no customer care associate at none of their desk and only two bank tellers in the front. Ten min after I got here when there were no customers, one of the tellers looked at me and I guess ignored me. I'm about to get the ** out of this piece of ** now. Please don't ever ever come here if you have an account with TCF bank.


key: chroma:document
string_value:
Paid my 1st payment on time. They sent me a late notice stating they never received my payment. So I paid it again. Dropped course as I no longer need it- They are still demanding money and stating It's past due when I NO LONGER ATTEND the course and the bank HAS BEEN NOTIFIED. They are stating my account is past due when last month I paid 4x the amount owed!! IF you talk to CSR- They are complete **. GET A LOAN ELSEWHERE!


key: chroma:document
string_value:
I have banked with TCF for about 4 years now and they were my first bank account ever. Up until this past year everything was fine but in the past year alone I have been sent 4 new debit cards because of fraudulent activity. The most recent one was a charge of $110 from Chegg, which I knew nothing about. They found it to be not my fault and reimbursed me. The next day Chegg made deposits onto my account, which I had not authorized being as I still didn't know what it was. I went to TCF to ask how this was possible and they told me not to worry about. Fast forward two months and I went to use my card to find out I had a balance of - $169 because TCF had withdrawn $220 without telling me (I had my account set so I could not go negative). Needless to say they put way too much money in and never corrected their mistake even when I went in to ask about it. 


key: chroma:document
string_value:
Most inconvenient bank ever. As a business owner I have many bank accounts for my business, personal, mortgage, auto loan, and etc. I recently got a HELOC account from TCF and realized that I am back in the late 1990 in terms of banking experience. When I send a payment from Chase bank to TCF, the bank transfer doesn't even work and it requires Chase to send a check to this account which takes over 5 days. All auto pay services I have setup with TCF is failing with balance still over 100k. There is no email support or any kind of online support provided for mortgage clients. The only thing that seems to work at this moment is by using the check they provided and... they send you a small number of check at a time. If you mismanage the supplies, there is a good chance that you will miss some important due date.


key: chroma:document
string_value:
Well I've been with TCF Bank for 3 plus years now. Never had an issue with them at all. I've deposited and keep a balance in my accounts. What pissed me off about TCF is they keep accepting charges even though I didn't have enough funds in my account. The charges that I had made prior to this fiasco happening didn't post so now being 80 short cost me 200 plus dollars in NSF fees. What really pissed me off is that I didn't sign up for this type of account and never would have. So now I'm in the hole 400 dollars and counting as everything prior to this transaction is bouncing and TCF is raking in 37 dollars in NSF Fees. They are no different than any other bank they are more about the money than you are about the customers. Piss off TCF.


key: chroma:document
string_value:
Deposited $800 3 days ago by certified check and have 3 electronic transfers for at least $600 that they have had for days and still aren't crediting as available funds. Meanwhile they put storage unit and other charges on the account showing negative balance and overdraft fees when there should be over $1000 in the account. They also put the biggest charges through first (even if they were last to be made) so that any other charge, even a $1 charge from the day before, will also be charged the $37 overdraft fee. TCF bought out my local bank (which was much better), otherwise I would never have been one of their victims.


