# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3690badf1594fedacf844bd4af838a3
encoding: FLOAT32
metadata:
{"chroma:document": "By far the WORST credit card company I have every experienced for handling a lost or stolen card. My daughter's wallet was stolen from her car and the scumbags charged everything they could before we could shut off the cards that were in it. Wells Fargo immediately reversed charges. Credit One Bank however refused to reverse charges until they received a signed affidavit which they never sent to me. The only thing I did get was a letter that stated Credit One Bank determined that the transactions were authorized and not fraudulent based on the fact that the purchases were made in your surrounding area. Well, NO ** SHIRLEY!! The thieves picked up the wallet and went shopping... Until the cards were shut down... DUH! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06537c0e7a3443979e1f092c36e9eaa3
encoding: FLOAT32
metadata:
{"chroma:document": "I made the mistake of not researching this company enough before applying. Please read the reviews posted here before thinking about dealing with this card. They are a huge scam and rip off. I finally paid the two cards off I opened and tried canceling them, which was not easy to say the least. Their customer service is the worst. They will keep charging you at every turn. Please find another card elsewhere. Only do this if you are TRULY desperate. Even then, still try and find every other means of support aside from this company. They will ruin your credit. HUGE MISTAKE!!! TURN BACK NOW!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ebdc73974fd48ab85b885c07c31fb9a
encoding: FLOAT32
metadata:
{"chroma:document": "First of all, I failed to notice that the \"Credit One Bank\" logo was a direct copy (rip-off) of the \"Capital One Bank\". THAT was my mistake. In January of 2017, both credit card accounts were paid off in their entirety. Not one red cent was owed to this so-called 'bank'. In addition, neither card was used AT ALL since paying off the accounts. The trouble started when we received notification that we owed Credit One Bank $41 and change. REMEMBER... the account balances were ZERO, AND neither card had been used. This scam company attempted to charge us for \"transactions\" NONE WERE MADE, \"late fees\" LATE FEES WHEN NO PAYMENTS WERE DUE? and other miscellaneous charges that were not understandable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ac4edde555d46e7bc8b55819da18171
encoding: FLOAT32
metadata:
{"chroma:document": "Had card less than two months. Had to call customer service three times. Today I told them to cancel my card, that I didn't have time for the bs, every couple of weeks, he continued to be rude, overtalked me and told me to do the math. The last pay I made, it showed 0 balance but now they were charging me interest and the card was paid off. He argued with me over canceling it like I wanted. No time for this bs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaea6bf1f4b54abcbfbbf8a1aabbed26
encoding: FLOAT32
metadata:
{"chroma:document": "Once I decided to get the offer nowhere did I see a 75.00 annual charge to open it. After calling every phone number they have on their website and the back of the credit card, I am unable to cancel my card and I wonder if anyone has a live phone number they can help me with. I am freakin' out now I have read some of these reports of charges they didn't make and the hell they are going through to dispute it and I want out and my 75.00 back!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b4edf8a63114d009100faf4c51c8294
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for almost a year. I use this card frequently to help my credit. I am now in the works of buying a house and I'll I need is a letter fax to me with a balance to finish the process. I have talk to them every day for a week 4 times a day and still do not have it. I now have to wait for my statement to come out before I can buy my house. So thank you Credit One for all your help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf8c10a9d4d645d699200772f2cc41a1
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card company (Credit One) is engaging in unethical practices. I can never log on to the account to review statements and activities, which is a common complaint, and when I make payments it takes several days to post and then I am assessed a $35 late fee when it was paid on time!!! The reps try to encourage customers to pay 10.95 for express payments, a way for the company to get over on the consumer. Recurring payments cannot be set up so every month I have to sign on to the account and I cannot access it. When I call they offer to take the payment for $10.95. There is no accurate way to keep track of the account, even with paper statements. I went back and saw where I had been billed late fees multiple times over the past year when payments were made on time. No one speaks English so you can't understand. This is frustrating when all you want to do is manage the account!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 462bdf5b19bb442da5fab31254827097
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to reestablish my credit. They kept sending me notices so I accepted. I didn't read up on them until I realized how much money they have robbed me. I can't understand why there is no class action against these loan sharks. They are comparable to payday loan sharks. People don't never ever, never ever get this card or use this card. Shred it up. Shred every pre-approved notice. PLEASE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f28f5e2130f4def92fa97691248c85f
encoding: FLOAT32
metadata:
{"chroma:document": "I would not give this card even 1 star. At first things were fine. But then I guess I messed up 1 (supposedly 2) payments by accidently using wrong bank details for payment so just for that they closed the account. Which whatever I am fine with that. But I could not get on the account via web to see anything at all. I've spoken to them via phone a few times and they are stupid, rude and don't help. They want to say the account is closed yet when I paid the balance in full just now then they added \"the charges will be posted to your account on so and so day.\" I'm like if the account doesn't exist how is it going to be posted? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3be129c211084a11bad4bb698a237a5a
encoding: FLOAT32
metadata:
{"chroma:document": "Just received my credit card about a week ago and was charge 6.95 for the card, 75.00 yearly fee and was add in the credit protection that I was never ask about. So I had a balance of almost 100.00 on it. When I call the person was rude and I was told that I knew about the yearly fee of 75.00 and the other fee. I was told I had to paid for the fee. Paid the c.c. and cancelled. ***STAY AWAY*** Go to Capital One if you need a good credit card and with no yearly fee, no card fee and better credit line."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f54d7bed3bd54aa0a71dcc729156fff9
encoding: FLOAT32
metadata:
{"chroma:document": "I was going to make a payment today and when I called they told me it was going to cost me $9.95 unless I did it online. So I tried to set up an online acct with no success. It kept giving me a password error even though I did it by their instructions. Needless to say I ended up paying $10 to make a payment to them. This means not only are they getting interest they're getting an extra $10 on top of that every month. I tried calling them to figure out the problem but that was like talking to a chimp. They had no idea and they are suppose to be the online tech support. I'm paying off this card and cancelling it. Do yourself a favor go Capital One. They are amazing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4aa1f30f11b54a1bb4c579f7b5af2f38
encoding: FLOAT32
metadata:
{"chroma:document": "I am very thankful I was able to use Credit One Bank to rebuild my credit! After going through a messy divorce, my credit score was in the mid 500 range. I received a pre-qualification letter in the mail and was approved online. I used the card for gas, and enjoyed the cash back that I received from that. I paid it off every month, and within 18 months was able to drastically improve my score and was approved for a card with fewer fees and a lower interest rate through Amex. Yes, it is a little pricey to use, but can help with the credit rebuilding process. I received many offers to increase my limit for around $25.00. I ignored those and a few weeks later was invited to increase the limit for free. Be patient, don't carry a balance, pay the bill on time, and you will increase your credit score!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6adca242f45f456cb822c46aa25bc96d
encoding: FLOAT32
metadata:
{"chroma:document": "They are very annoying when you miss one payment. Of course they lie to you about the policy. One tells you something then the next day it's not true or they don't agree with what they agreed to settle with to pay off your amount. They reported my credit because I owed them $1 after I finally paid them off in zeros!!! They even tell you \"Congratulations. Your account is in $0!!!\" A couple months later, I owe them one dollar and then they report it to my credit history!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a477f4b3c7c9489fb9751c7cc6258daa
encoding: FLOAT32
metadata:
{"chroma:document": "I just tried to make payment online with no luck. Every month I try doing it online because pay by phone charges a fee. And if you send in mail be sure it's at least 2 weeks before due date or you will get charged a late fee. I sent one in 1 week before and was charged a late fee. Today when trying to make payment, website kept asking for bank acc. number then asked for amount that was recently put into bank account which my bank acc. did not show. So I called customer service to ask about. They said this was to verify bank acc., same one I had been using, so why do they need to put me through all that trouble. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6a0f9a945f946558924670863643cd6
encoding: FLOAT32
metadata:
{"chroma:document": "Try to make a payment and now I have to jump through hoops to get payment made. I now have to wait for them to send me information so I can send it back to them so they will take my payment. So I have closed all accounts I have with them. They make it almost impossible to make payment that way. They can charge you with late payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22619b146c8448d1968c193b423aeb95
encoding: FLOAT32
metadata:
{"chroma:document": "Get the credit card from Credit One and owe them $75 straight which I paid. The next thing I know they charged me a mysterious $25. I get upset and paid off my balance of $414 on a 5th on March. Two days later they charged $21 from I don't know where. WTF. Now I cancel this damn card and the lady from customer service that I might owe them again. What the ** is happening with this people. Worse company ever. Don't accept their offer. That's a scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f07ac9b0d70d44a087266f3cfed600c6
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment on my credit card on March 2nd, however, today 3/7, there was an unauthorized payment for 150.00 that is trying to go through my bank account. I send them a check every month for my payment. I do not pay online or via phone. My bank said they used my routing and checking account number and since they didn't put a \"check number\" I have to pay 35.00 to stop the payment and then dispute it. Credit One says they do not see anything on their side that \"someone from my family must have made the payment.\" They want a bank statement mailed to them to their P.O. Box in Las Vegas to \"prove\" there was a charge since they do not see anything on their side. They said that mailing that information was the only way. I think they are making payments and pocketing the money which would explain why there is no record online of the payment. I have never been late or missed a payment. This company needs to be investigated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2573476e4da34bd4a1168eea297d4b0c
encoding: FLOAT32
metadata:
{"chroma:document": "I should have read the reviews prior to accepting the offer. I received the card in the mail and a bill for the $75 annual fee the next day. I was traveling so I did not have time to activate the card. I attempted several times to setup an online account but the website was either down, or errored out. I tried for several days. I decided not to activate the card because I was very nervous about this company after having so many issues before I even used it. I've received messages to my email saying welcome but still not able to access the account online to see balance or pay the activation fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b78704da517043f4b5001f40c81d9b48
encoding: FLOAT32
metadata:
{"chroma:document": "This company has been adding enormous fees daily to my card. They call me every day and literally 5+ times in a row! They even called me on Sunday at 7am!!! When they called back, my sister answered the phone and told them I was in the hospital! They insisted on wanting money and gave her personal information. When she informed them that it is illegal for a debt collector to call on Sunday, the man stated it was a business matter, not a collection call, then got irate with my sister and hung up on her! I refuse to pay hundreds of dollars on bogus late fees! I also refuse to give them my checking account information. I have tried to pay what I owe on several occasions by other methods (money order and prepaid debt card). They refuse to accept that form of payment. Beware of this scam company! I am in the process of writing to my states attorney general, the BBB, and the Federal Trade Commission! This has gotten out of hand!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2caf05f790d44b18b55f09c2a91bf8f7
encoding: FLOAT32
metadata:
{"chroma:document": "I've had nothing but problems with this card from day 1. I tried to make a payment online and it would not allow me to. I called to speak to someone and I was told by 4 different people corporate office included that the fraud department does not allow multiple payments in a 30 day period. They were all very rude and gave me the run around. I DO NOT recommend anyone to use this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47b5645abe7d4a7eadcb7cc0091c0315
encoding: FLOAT32
metadata:
{"chroma:document": "This was my first credit card and the credit limit is $650. I now have a Capital One card with a $12,500 limit, Bank of America $17,000 limit, Luxury MasterCard $25,000 limit. My FICO score is 787. My total debt on my credit report is only $282. So I figure let me call Credit One and ask for a credit line increase. DENIED. Once I get over the shock of it I will call Credit One back and close my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 508f2b9413264a94b00872dd866b6eb4
encoding: FLOAT32
metadata:
{"chroma:document": "CREDIT ONE IS INTENTIONALLY ruining people's credit and it all starts with their call center. Also not allowing clients to log in to the website and forcing you to contact the call center to collect a payment fee is fraudulent. My account was unexpectedly closed and I never missed a payment. CALLED OVER 30 TIMES to be intentionally placed on hold for 30 minutes or longer. Intentionally closed my account, charged it off, and marked as delinquent when I never missed a payment. I'm a paralegal and Bankruptcy Supervisor at Law Firm. I'VE NEVER BEEN SO MISTREATED AND INTENTIONALLY set up like this in my entire Life!!! Getting ready to sue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb2fa48a5c3d4ddcb16a56639e79d0d8
encoding: FLOAT32
metadata:
{"chroma:document": "Should have never applied. They tell you the card has a set limit, you set the limit and before you know it it's over the limit you personally set. A 500.00 dollar limit is not turned into paying back 600.00 dollars. How is that possible. Terrible mistake. Once paid off I will most definitely CANCEL this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47d123e72d714a62938e541daa9e9fd6
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One Bank credit card is the biggest rip-off. The interest rate is astronomical. They prey on people who don't have good credit. When you make a payment, it takes 5 days to post. Your balance changes everyday. They charge for everything. They claim, \"If you want available funds sooner, make an express payment of $9.95\" but it still takes 5 days to post. The representatives double-talk you and do not speak good English because you are speaking to India. This card should be banned. I wouldn't even rate this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebfd750e62b14eabae2ec2f4a2c88c4d
encoding: FLOAT32
metadata:
{"chroma:document": "On December 2, 2016, I found what I thought was unauthorized usage on my checking account with USAA. I contacted the credit card companies I thought to be in question of said usage and was advised to report possible fraud to my account with USAA. Upon doing so and subsequent to their (USAA) Investigation, no fraud was found. During this Investigation USAA stopped all payments associated with my account and reopen them paying said accounts, except for Credit One who closed my account with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0cbfb8238d8489b817eb15eed82dfea
encoding: FLOAT32
metadata:
{"chroma:document": "Each month you get your bill and look at it and you notice the Credit Score moves very slowly. Stays below 699 and has never gone above. I opened a monitoring company system and Tracked it for 8 months and their scores never went above 680. But the same company that reports to them is between 65.00 and 80.00 higher than Capital One using the same credit system Advantage Plus. showed min 735.0 per month. Then my wife is the same and she shows a larger spread on her card. Credit One claims it on Credit company but credit company claims they at Credit One puts the Score down and not credit Companies they report to. I have gone online and have found Credit one is putting down what they think the credit scores. Example my score with AX is above and if I have a score of less than 699 I am declined."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c299eae632f44b20ae0850d2c99e95b4
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible customer service. Script readers. I had called to report I hadn't received a new card in the middle of the month. After getting my old card rejected and realizing the card had expired all customer service wants to say is \"Card was mailed and you should receive it by Monday\". Six days into the new month. So Credit One does not have a policy to get cards that are expiring replaced before they are expired. Customer service becomes argumentative but then offers to send a card out \"rush\" that will take 3-5 business days. Some Rush. Consumer beware! It seems like an ok card until to have to deal with a real person."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d96df79ef5b241899bdeabc82e8fa3cd
encoding: FLOAT32
metadata:
{"chroma:document": "I was just looking for a small credit card to get started with to help my credit. Boy did I know what I was getting into when I got hooked up with this Credit One card. I'm advising anyone please stay away from this company they will make your life a living hell. I got behind on my bill during my divorce and this company call and I'm not lying sometime 20 times a day just to harass you if you get behind. I had Capital One also and they was very understanding. It's like owing money to the mob. I think the mob might be a better route. I had a credit limit of 200 dollars after they interest because they add interest every second. Now it's 868 I owe them. PLEASE STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37ad7fb8afba413d89ee46fa9434941b
encoding: FLOAT32
metadata:
{"chroma:document": "I recently called to question a charge on my account and was told I won $108.00 gift card. They put me thru a verification process. When I checked for status again today they said it was a scam. I said \"Sir I called you so if you are saying it was a scam then you scammed me!!\" I even had a confirmation # which was provided but he kept repeating, \"we do not offer gift cards.\" Very disrespectful. None of them speak English and are very hard to understand. I will be paying my card off and ripping it up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5b06d22f2844531a37d8e66ee7844bb
encoding: FLOAT32
metadata:
{"chroma:document": "The system is totally screws up. I have reset PW and usernames more than 30 times and their system always rejects. When I called Customer service, English was not spoken. Paid the balance off and shipped the card back to them, STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00532f843bac4911860dd04d2f73e43a
encoding: FLOAT32
metadata:
{"chroma:document": "They are the worst company you can get a credit card from. Dec. 2016 they over charge my acct. I had to call them. They have very bad customer skills. Now Feb. 21 2017 paid my bill which was suppose to come out of my checking acct. which they tried to take out of my saving. I call them and whoever the lady I was talking to try to tell me that they took out of my checking. She found out they had tried to take out my saving which cause me to have a overdraft fee with my bank. So I use my debit card to pay my monthly statement which they over charge me again. I am so done with this company. I don\u2019t see how they get to report on your credit when they are no go."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9eee50170bd4ff38e0ac7f9fb81bede
encoding: FLOAT32
metadata:
{"chroma:document": "Received a pre-approval letter in mail (actually thought it was \"CAPITAL ONE\") so I went online and applied & was approved for $400.00 limit. Received card Jan 2016 & when I called to activate it said I already had a $75.00 balance! There was NOTHING mentioned about an annual fee prior or I would HAVE NOT taken the card! Within a few days of getting the card they started calling me wanting a payment!! I have been trying ever since to log into my online account so that I can pay it off and cancel it, but the website tells me that my account is not accessible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eaa8396e31f24ffc94f4edf52007c66b
encoding: FLOAT32
metadata:
{"chroma:document": "Credit One credit card charges large monthly fees even if you don't use it and if you get ill and miss a payment by a few days they will ruin your credit score. After having the card for years and never missing a payment, I got ill and missed a payment by accident, by a few days. Credit Karma notified me that Credit One ruined my credit and caused my score to drop more than 100 points. Talked with Customer Service manager to no avail, no empathy or help, told it will take 7 years to drop off this negative on my credit report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bdd6a25d42149faa91282ab40c5cad2
encoding: FLOAT32
metadata:
{"chroma:document": "Well, as I have read here I fall into a like or similar category. My wife ended up unemployed due to a medical emergency, and we were unable to pay all of our bills consistently, we were never offered any kind of assistance. Finally when we were able to pay, we made small, minimal payments for good faith until we could start paying the regular and plus more to get caught up. Made 5 payments in 2 months, and once we got our tax check from the previous year we made a large lump sum payment only to be informed our account is closed, and now in collections for the remaining balance, all within 2 days of making the large sum payment!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21a7e31d71c94c779142095c8936458c
encoding: FLOAT32
metadata:
{"chroma:document": "I was not aware this company charges a $75 fee as soon as you sign up. They will bill you $75 even if you do not use the card. When you call to get the fee reduced or waived customer service overseas will talk down to you and say you should have read the disclosures. I told them I would continue using the card if they would partially waive the fee which would be more beneficial to them since they will make more money on interest charges of 24%. Customer service says if you close account we still will collect on the $75 annual fee. Worst scam company ever. Praying for a small claims case."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fcaeba7513d4533a1b1d9a0800053ae
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied to Credit One Bank after receiving several pre-approval emails for the past few years & I decided to give them a try! I applied online and called the customer service department several times (whom are all located overseas) to obtain the status of my application. This morning when I called I was advised I was approved and would receive my card within 5-10 days! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: badca6ba44684d98af86a6762dc951dc
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a madhouse. When I originally signed up for their card, after receiving a letter that I was pre-approved for $x in credit with NO annual fee, I thought this might be a handy card to have. I received via email: Credit One Bank Approval Notification, then, Your Card is in the Mail, then, Activation Confirmation, and finally Welcome to Credit One Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbef500e0ec84765bb9bc98abcb45a79
encoding: FLOAT32
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{"chroma:document": "It's a legal scam! I paid off the balance of $264.00, asked them to cancel and close my acct on 12/20/16. Then, in Feb. 2017, I get a past due bill of $39.47! (for what?) Called them which was a nightmare in itself. They said I owe the $39 + because it was a service fee PLUS an interest fee on the service charge! Seriously!! They count their own fees as a purchase and charge interest on it. Finally, I got a bank cashiers check, mailed it registered mail, overnight service along with a letter requesting they cancel my card and close my acct. I expect for more fees to be added for the 2 days it took to notify them and pay the balance... thus, my bill will continue on and on and on. I will be surprised if they accept my letter of cancellation with the payment as proof I no longer owe them anything. It's nearly impossible to cancel this card! I just want this card out of my life!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 218495ca66aa4413aef7036c843d4f18
encoding: FLOAT32
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{"chroma:document": "I was trying to rebuild my credit so even after all the negative reviews I thought - ok I'll try them. Actually ended up with 2 cards from them - set up online payments and paid more than the minimum every month always early. This past December I logged on, made payment. Realized about a week later it hadn't hit my bank account. Logged back in - they showed payment, then it was reversed. They charged a late fee. I thought ok - same bank account I have been paying out of for two years with no issue, maybe there was a glitch, I went into the \"confirm account\", re-entered the info and then again submitted a payment. This time when it hadn't hit my bank in three days I logged in again - it still showed the payment as having gone through. I waited 2 more days and checked again - now I can't even log into my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21b318e66bef4ea1a9f96fee649be882
encoding: FLOAT32
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{"chroma:document": "For the third time CREDIT ONE has made a UNAUTHORIZED withdrawal from my bank account. A amount that was over my credit limit for the card. They make unauthorized withdrawals and then their excuse is that they don't know what happened. So for weeks, until I stop payments and cancel everything, I don't have any money because my bank account is on hold AND EMPTY! Do not give them your information or they will clean you out. Cancel your cards immediately because they are the ones causing the issues. This is the THIRD time this has happened."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fb3ecd90aca4f3684353a0dc0309251
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this credit card to help me rebuild my credit after a divorce. I have never made a late payment. They have a high annual rate and a low credit balance. I just called to cancel the card and they tried every way they knew how to try to get me not to cancel the card. They told me that by canceling the card it would hurt my credit score even though I had a zero balance and never made a late payment. They told me that they would report it to all three credit agencies and it would be best not to cancel. He also told me that I had already paid my annual fee for the year and I wouldn't have to start paying another annual fee until September and something about using that money I was paying in annual fees to be able to buy more on the card and pay on it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb4e82a651df4b9894998c613b6660b4
encoding: FLOAT32
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{"chroma:document": "Annoying as heck!!! I agree with the reviews. They call you 5-6 days before the payment is due and harass you to make a payment now. Totally annoying because they call every 30 min. Not sure how this is even legal. Paying this card off and shredding it immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 242782630d214ef28c0cc460024b2d6f
encoding: FLOAT32
metadata:
{"chroma:document": "At time I need a credit card the only thing I found was Credit One bank but when I would use my card in Amsterdam NY it would decline then when I called Credit One bank they told me it didn't decline when it did so stopped using the card and stopped ALL payments but I need lawyer to look into this but I have no money for a lawyer to look into this so I need help here."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eaec3ec07cc14daaa18d9c8a3738f06c
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give zero stars, I would. I've never dealt with a more incompetent company in my life. Gonna list out a few issues I've had. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3103a4b64ff6495bb5ea82ee489a588c
encoding: FLOAT32
metadata:
{"chroma:document": "Mob style tactics to collect and overcharge fees and penalties. It all seemed like they were willing to help a disabled Vet with financial problems, I wasn't always in distress and hoped to recover my credit rating. There is no way to please these people, endless fees for paying on time, late, whatever, it's a scam to cheat good people out of their hard earned money. I was injured and almost died, and explained to the low-life (probably one of those people who live in the sewer in Las Vegas, and a business in Las Vegas). Anyway, what a sleazy operation! Like the mob, but I borrowed money from a loan shark once and he was more respectful and sympathetic than these foreigners. They have call you and demand you pay them now, with a credit card number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb3b7653afd04226b759f79f2cebc1c6
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this card. They sent me a mail offer for a zero annual fee card, I applied over the phone for a zero annual fee card, I got the card and used it to donate $25 to an rabbits rescue organization. I got my first bill of $101 including $75 annual fee and $1 interest. I called them and they said you accepted $75 fee by activating this card and using it (they just assumed that I read their website or the documents they sent with card about the fees). I had no clue that they could send me a card with $75 annual fees instead of the zero annual fee card that I had applied. This is fraud. Stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 344ef9bfb6d8445ab0879b5b7bcb9fec
encoding: FLOAT32
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{"chroma:document": "I received a bill from this company. I never signed up for it, nor did I want their credit card. I called customer service. They could not tell me what I was billed for. All they wanted was a payment for 45 dollars. I don't have a Credit One credit card and have never used one. They said it was a fee. They could not answer what the fee was for. If I did not pay it I would be charged a late fee of 35 dollars. I have never used their service nor do I have their credit card. This is fraudulent on their part. They cannot answer what I am getting charged for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5a3caf8e7914593b8d7baadd83a19d4
encoding: FLOAT32
metadata:
{"chroma:document": "This company will nonstop send pre-qualified offers then say denied with extremely inaccurate information as reason why. I have filed multiple reports with the government and President's office stating do not contact me. One of biggest reasons is the pre-qualification comes back with extremely inaccurate information which I just verified with the credit bureau. It said my score was 200 points less than what it actually is. If anyone knows how I can file a legal complaint requesting they be fined for violation like you can with the Do Not Call list please let me know. Also from what I read people say you have to pay for this card and it is not in the pre-qualification emails they send out. They are very shady and fraudulent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21a2974fde614a1ba3024674879166f4
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to make a payment online for a month, the website locked me out. I called customer service, and first of all you have to understand English before you can correct a problem. I was informed that the problem would be corrected within 2 to 3 business days, that I would be able to make the payment online. A week later the same, no access to the account. They of course will take a payment over the phone, but charge a $9.95 processing fee, yea right! I will be paying off this account, rip up the card, and recommend to all my friends, relatives and everyone on the internet. STAY AWAY FROM THIS COMPANY. There are better options to build your credit!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dbddb37883c466eb2d8501564e92547
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't had any problems with them from a personal or professional standpoint (customer service, etc). No complaints there. But holy ** their website sucks so bad. You can either log in to view your account and pay your bill on your PC or Smartphone... But not both! And I'm not talking about at the same time, I mean in general. How the ** can you operate a business in today's society with a website worst than the 90's yahoo geocities? Get your ** together Credit One! God knows you make enough money to afford a better setup. Stop asking Earl in the mail room to manage your sites and hire some real IT personnel! Maybe splurge for an web designer once?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 626c3c0a5ccf48f7889aa4ae51682c82
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{"chroma:document": "My card was declined TWICE for a less than $300 purchase. I was nowhere even remotely close to my limit. I knew this so I figured it was a simple mistake THEY screwed up. So I paid with another card but I called to see why I was declined. The first guy I spoke with Sam was a complete jerk that didn't assist me at all, he gave out false info by telling me that $300 was my limit on any purchase. I've made several purchases on my card totaling far more than $300, so that was a lie; which I told him. Then he kept saying he can process the transaction, and I had to keep telling him (A foreigner... Go figure.) that I didn't want it processed, I paid for it with another card! He had the worst attitude and when I asked for his name he said SAM. I asked for a last name. He told me he didn't have one and asked if there was anything else I needed as if I was the rude, surly one. So yes, I hung up on him - but whatever. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95d794e7e4af4a59a5743f4e4a28b281
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{"chroma:document": "I was very leary when the CSR asked for my CC number and social security number to access my account. I have a $422 balance and their website won't let me access a detailed statement to see what all the transactions created this balance that I dispute. You have to sign up to have them give you an online statement? I am going to cancel this right away and warn everyone not to get suckered into this as they charge your card $75 right away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66798396e5744aa7a9ba6fc9b4fddb05
encoding: FLOAT32
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{"chroma:document": "Why does it take so long for a payment to be processed in 2017? It's complete dishonesty when you're paying your bill using your checking account information and still have to wait 8 days for the funds to become available. How is this so, isn't that like an automatic debit transaction? Credit One makes a profitable business by charging $9.95 for your funds to be available the next day. I recently obtained a Capital One credit card which is what I originally wanted when I applied for the card- I guess I was a bit confused by the logo as they kinda looked the same. However, I will continue to make my on-time payments until the card is paid off. However, I want to thank Credit One for helping me rebuild my credit when no one else did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25c7f92a0d8e414cb1fa3dc7e149e90a
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{"chroma:document": "I called to speak to a customer service rep and could not get a live person! I had to continuously push zero on the dial pad, until finally I was transferred to a rep in India! My call was in regards to a payment made that was returned. I was charged $25 for a late fee, even though I made my payment 1 whole day before it was due! Credit One bank routinely rejects payment, and their website is constantly not working! Payments made may not post to your account for \"up to 5 days\" according to the Customer Service Senior Manager David ID#** who I talked to. I was repeatedly put on hold, and spent 2 1/2 hours on the phone being sent from one \"so called\" manager to another. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e25be731a90496386031c0005aa74d1
encoding: FLOAT32
metadata:
{"chroma:document": "Scam -- They charge their annual fee monthly after the first year. That means that even though you should have a zero balance. They are charging the annual fee monthly and taking on significant late charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 903901954e9643c281e5d306279cfabf
encoding: FLOAT32
metadata:
{"chroma:document": "Awful credit card company beware. This company will tell you that they are in business to help you repair your credit but it is not the truth. Not only can you not access their online system to make your payments online 98% of the time when you do they charge you a fee to make the payment. In addition, their paper statement do not get to you on time so do not depend on those for a reminder or to mail a payment because you will never be on time and they will report you late even though you can't access their system online. This sounds like helping people repair credit, right. Not. And please don't think about calling to let them know you are having trouble because it isn't their problem. I'd do a secure credit card before I used this fraudulent company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6c0975b5c30442485edd4623f6bb0cc
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{"chroma:document": "Worst worst worst place to ever trust with your personal information!!! I will never ever recommend this company not even to my worst enemy!!!! I applied back in Nov. 2016... I called literally 1 week before I applied to change my address! They said it was changed. I move and which then I seen I was approved which I called again to make sure the card gets sent to the right address... Did it? Noooo they said I never called to change my address. So I let it go maybe thinking it was a minor mistake. Well I was wrong. Again I changed my address. By now I got two address changes through the mail at the correct address. Stating \"Your address was changed\" but I still have not yet received my credit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c81a896f8bfc4bdcb599335b7c0f0fbc
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{"chroma:document": "I was a victim of fraud. My credit card was stolen and Credit One was so rude. When it came to helping me nobody could answer my questions. They wouldn't credit back my money and they wanted me to pay the interest charges on top of everything. Rude representative. Just terrible. This company is awful. All I wanted to know was why they kept letting my car go over my limit and did not decline the charges and nobody would give me a straight answer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 656fba25dc6747159bc2195db819369c
encoding: FLOAT32
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{"chroma:document": "I have two credit cards from Credit One for a couple of years now and I haven't had an issue! Yes, they have suspended my card due to suspicious activity - all credit cards do - but all it took was a 2 minute call to update my info and the card was active again. I have disputed fees and they have taken care of them. Most recent, I had fraud on my account. They closed the one card and sent me a new one. Then, as all credit cards do, they requested an affidavit and a police report. They took care of the issue with no problem. I reported the issue to them in Dec. They sent me a letter stating they were looking into the problem and asking me to fill out the forms. This was all handled by the end of Dec. End of January, I received a letter back stating they have taken care of everything-  but also asking to contact one place I agreed I was responsible for the charges at because they had issued them a refund. The credit line increases are great as well :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 157fb998a4bd40259aca6c05c01451bf
encoding: FLOAT32
metadata:
{"chroma:document": "Don't use the credit card company!!! SCAMMER, should not be allowed to continue business. They will charge you a \"annual\" fee that is billed monthly, will charge you a $28.99 late fee on their own monthly fees plus interest, then places a delinquency on your credit report and refuse to take it off. They don't not offer a autopay service, because they want you to be late. When you call to cancel they will not let you until your balance is cleared that takes several days. STAY AWAY. This company needs to be investigated by the FTC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc03ae1b75a842e2bb3ad570acb5fded
encoding: FLOAT32
metadata:
{"chroma:document": "I have explained over and over with this company that I was unemployed and as soon as I got a job, I will pay off the card. Why is it necessary for them to call from several different phone numbers in the same day. What I don't understand is through this, I have yet to receive a pin number that was requested twice in July. This place will be the first thing I pay off for sure..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a405e894533047219a5d4984693c99c1
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{"chroma:document": "I just got this card less than two weeks ago. When I saw the due date was set on the 2nd of the month, I went in to try and change it. It will not allow you to do that. I called. They said there is nothing they can do, they can change it, but it will take two billing cycles. I said \"well that does not help me, I don't get paid till the 3rd.\" Of course no one speaks proper English, they are in some third world country. I said \"fine, cancel the card.\" He said \"fine, but you are still getting charged a late fee next month.\" This is how you want to treat a new customer. This company sucks in customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10086e04fa2744549593eae54271701a
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{"chroma:document": "Any credit card that puts any persons in debt in NY state before they even receive it is illegal. As first premier bank does the same thing tacks on a yearly fee of $79. Credit One tacked on a fee of $75 plus I see they are charging me $99 a yr to have this card. I am filing with NYS attorney general as he stopped first premier won a lawsuit and he will do the same with credit one. AVOID this, card at all cost. I paid on time and even before, my due date. This card is crap. They lie about raising your credit limit in 5 months. Never happens which is a good thing. I have maybe 40 to pay it off and I'm closing the account. It's not worth having such a low rate credit and paying a high usage fee of $99 a yr not including the 8 they add on monthly for even charging anything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26d696e96719411ca6c13c36e01b4bc3
encoding: FLOAT32
metadata:
{"chroma:document": "They call you 5-6 days before the payment is due and harass you to pay now. You have to pay to make a payment. They charge you a fee to pay your bill on the due date so it will post on the due date. Bad customer service. Cannot understand what they are saying."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 001d745f1b2a41e18fb55c7934e4da35
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{"chroma:document": "So far my experience with this creditor has been unpleasant to say the least. In July of 2015 I tried to apply for a card with them and was taken through the ringer about verifying my info. They claim that everything has to be mailed to them in Las Vegas, but after mailing things to them they seem to get lost. So I gave up on them. About a week later I received a bill telling that I owe the annual fee. I called them and told them I got it and I shouldn't have to pay it because they never mailed me the card. She put me on hold for a good 5 minutes just to come back and tell me that they could not do anything about it other than to put in a claim to have it reversed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bce396de708d45669a96697ddc67ff1d
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{"chroma:document": "Credit One Bank closed my account with absolutely no notice or communication. I lost my job and had defaulted for 90 days, but paid off my account in full, including all fees - and an additional fee to get the payment in as soon as I could. I received a confirmation of this, notifying me of when my available credit will become open again, which it never did. Finally called in to inquire about that, and that's when they told me my account had been closed and I am not eligible to reopen. However, my online account is still open and tells me everything is OK. Extremely shady - highly recommend avoiding this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2eaf9fdf839f466195242aebaf2ccb7f
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{"chroma:document": "I have had the worst experience with this company from the outset! Their customer service is based in Manila, Philippines and they are the most arrogant, unprofessional, and worst Customer Service reps around!!! I thought that I would beat the endless automated phone system by speaking with a Spanish speaking rep, but to my surprise their rep spoke Spanish worse than their English. I'm IRATE at the fact that they want to charge you $9.95 to do an express payment to pay your monthly payment. I was told that one of my payments did not go through and that I was charged a fee of $25.00 for a returned payment. I spoke with a supervisor and I was told that if I made a phone payment with him over the phone, I would have the fee waived. Boy was that a lie! I was charged the fee on 1/26/17 after the supervisor told me that he would waive the fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48519b339ad74909b48611d77c421ecf
encoding: FLOAT32
metadata:
{"chroma:document": "Unlike the review: L. S. of Kansas City, MO on Jan. 24, 2017, regarding Credit One Bank, I experienced a positive response. I developed throat cancer over the years, which was diagnosed in Spring of 2014. I knew I would be out of work, and called all my credit cards to see how they could help me in maintaining my financial dignity. All three of them did, Discover, Capital One and Credit One. Credit One required that I sign up for credit protection, which cost me monthly; the other credit cards did not charge me at all. Credit One required that I be on the credit protection program for 30 days before the protection would become effective. The other credit cards placed me in immediate protection... Well 48 hours anyway."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07e22b6327734f5bb3af176fadb334b9
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{"chroma:document": "If giving a zero rating were possible, that's what I would've done. First, I tried to make a payment online and it wouldn't take my payment information. When it did finally take the information and I tried to continue with the payment confirmation, the site kicked me out. I decided to call, the first representative (Philip. Beware of Philip) was extremely rude and hung up on me. The second (who wasn't much better) told me that you can not schedule payments online or over the phone, unless scheduling a payment to come out the same day. I will not be doing service with this company again and I would advise anyone else to stay away and find a reputable credit card service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1aa3eae90804fa5a8541da17cc740b5
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{"chroma:document": "Write letters to your Attorney General explaining your experience so that this company can go out of business and stop scamming innocent people. This credit card will cause you to have MORE bad credit problems. BEWARE!!! DO NOT be so desperate to accept this card. Get a secured card and then get a reputable builder credit card with Capital One or someone similar. (Not First Premier, Credit One, Indigo or any similar type of cards for bad credit.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88346c9715db49eb918d3f0d4ffc2841
encoding: FLOAT32
metadata:
{"chroma:document": "Foreign customer service. Crazy Low credit limits. Credit Score 700+. Homeowner. Low balances. Income 200K+ verified. Just got approved for a $12,500 elsewhere. They approved me for $500 and would not increase it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This is the worst credit card company I have ever had. There are a lot of charges on my statement I did not do. I call August of 2016 to dispute and I was under the impression the dispute was being work on. Come to find out, I am still dealing with these dispute charges since August and we are now at the end of January 2017 and I am still dealing with this one again today. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79568f4e4ea241a7befab2558f20312b
encoding: FLOAT32
metadata:
{"chroma:document": "The company answers and is the Philippines. They are hard to understand, the money was there and I spent it. I get it, the fees pile up and when you bounce one payment back they close the account down. I tried to call and ask if I can re open it if I get caught up and they closed my account down. I have no motivation except pay it off before they damage my credit. It's almost like these guys are hired by credit bureaus to destroy your credit. STAY AWAY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3c6cf980cc940639bfe18f8d41384a2
encoding: FLOAT32
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{"chroma:document": "The all day long blocked calls are really starting to become a problem. It's 8 pm and I am still receiving phone calls from a customer service agent by the name of Sandra. I told her that it was not ok to call me all day and at this late hour, she said they are open until 9 pm so they will call until then. They are extremely unprofessional. Once my balance is paid off I will be canceling my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b16628ad7124765a1e02d46b3e53d4d
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Credit One Bank credit card just to see if I would be approved. I was approved for the credit cards. I received them in the mail, but immediately cut them up and did not activate them. The next week I received a bill for $94 for a card I never even activated or used. I hope that Credit One Bank understands they will never receive a penny for that bill!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7a9a98162984b559329a492244f4794
encoding: FLOAT32
metadata:
{"chroma:document": "I had a credit card with Credit One Bank and I never had a problem with their services until I was involved in a car accident. Due to this accident I received broken bones in my arm and was unable to work for a period of time. I advised customer service of my situation and not once was I advised to contact the consumer department that handles hardships until after I paid the card off in full. They immediately closed my account first and then advised me to contact that department a month later. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9cbcae114a7946d4a9c01309b5f12080
encoding: FLOAT32
metadata:
{"chroma:document": "I accepted the card offer and which every month I have had a horrible experience paying my bill. They charge you 9.95 for express 24 payment but it never posts then you're told to pay on website to avoid the fee but both standard and express still post 5 days later. You pay express and if you pay 500.00 only 100.00 will post in 24 hours. The rest in 5 days. That is not an express payment. They stopped a payment by their mistake, put it on my credit report then I had to get my bank to fax a letter telling them it was not a fraudulent payment. The money was always there but it still took them 14 days for someone to read the text, another 7 to verify the letter with the manager of the bank faxed himself then another week to reactivate the card. I would have just let it go but I just started rebuilding my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd8e67154e79460a93fa0140b2d73c73
encoding: FLOAT32
metadata:
{"chroma:document": "I have attempted to log in to make my payment for the past 2 months, and keep getting an error message. To add to that Credit One is charging me a fee for a late payment. I have to call to make a payment. It is very unfortunate I cannot even access my account to obtain payment due date information, or payment amount due information, etc. I have explained this for 2 months. This is NOT acceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d282ec418f6945c89dc9ff0f1c3f5d36
encoding: FLOAT32
metadata:
{"chroma:document": "I made an express payment and this company couldn't process my payment immediately for a family emergency. I was on hold for 35 minutes. I was told several times it wasn't a supervisor available. I was told a supervisor would call me back. I waited 2 hours, no one called me back. I called the company back and still didn't get it resolve. Very poor customer service and poor company. I will be letting them go."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19b44129f2c24157a9ea40564cf9835f
encoding: FLOAT32
metadata:
{"chroma:document": "We fell on hard times. Loss of employment and finding a job at 62 is impossible. 80+ applications out there. We fell behind in just with Credit One the fees adding up, we paid $100+ every month hoping we could catch up and called. They blocked us from the website to make payments. I called and begged to just give us time and our SS (forced to retire and take SS). They told us our account was closed (no problem but let us pay it down) and we were being sold. This happened really fast (3 months) and they had no understanding at all. They said we could not make a payment only the full Balance. Now I am trying to rent an apartment and my credit has plunged. Stay far away from this bank. Even when you want to pay and give them money to make things right you can't. Why would they not want you to pay them? I offer $500 and said I could work on really getting it down as we are now getting SS and Pension. This did not matter. Stay away!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edb47023d40e4ada9bd35749d0cf9fab
encoding: FLOAT32
metadata:
{"chroma:document": "This company is a joke. Never used the card and I get a bill for a $75 annual fee and I turn around and cancel it. Few months later I keep getting a bill from them. I call and they said there is a $14 charge on my card. I said how is that possible when I've never ran the card? The representative I was talking to kept getting an attitude with me and my mom. My mom took the phone and asked for a supervisor and the supervisor kept getting an attitude as well. Finally after an hour of fighting over the phone they finally filed a theft investigation and supposedly closed my credit card. I'm warning you people... Do not open an account with these people. THEY WILL RIP YOU OFF AND RUIN YOUR CREDIT!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e19b5e4e54114f3ead27016d312d7e4b
encoding: FLOAT32
metadata:
{"chroma:document": "Applied cc from this bank several months ago. Did not activate the card until couple days ago and got a call today that I am 5 days late on the annual fee of $75 I did not know about; SHOCKED! Called the number left on my cell - spoke to 5 people from the bank and finally someone who speaks got the message; I have been trying to communicate and understood me. Took out the $25 late fee and $25 from the annual fee... Then I felt like the rep I was talking to was rushing me off the telephone... hmmm. I'm paying the balance and closing the account anyways... thanks for the 2nd chance but services you are providing is not helping but rubbing hard working people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f120a788bac7463b8171d95564db48f5
encoding: FLOAT32
metadata:
{"chroma:document": "If you are looking for a credit card, I would advise you in the strongest terms not to get this one. For one, when you want to make a payment online, they ask if you want to make an express or standard payment. Express charges you $9.95 and post in like 2 days. Standard does not post for 5 business days which means you could be counted as late if it doesn't post soon enough. And then they will ask if you want an increase of like $125, but will charge you a $25 fee. Then when you make a payment and you pay like $25, you will find that only $5.00 went towards paying your bill and you balance is higher on your next statement than it was before making your payment! My suggestion, please find another card. You'll never get out of debt with this one unless you pay it off all at once."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d13875fbc254f2da092ce7eceb5c39a
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the most horrible troubles with this company processing payments. Not only do they not accept internet quick payments, but they also require you to send proof of payments in the mail. No email or faxes are available. I made my payment to them a month ago, have had to call them about a late fee I received, and my bank has proof they've already cashed the check! As soon as my payment goes through, I'm closing that account. What a bunch of crooks. DON'T GET THIS CARD!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcaa8748cba14cf7968160a5b40d9220
encoding: FLOAT32
metadata:
{"chroma:document": "I would never recommend Credit One Bank for a credit card for anyone. If you have bad credit and you are trying to restore your credit, find another place, any place besides these people. I will start with the free sign up for the card. It was advertised as no fee the first year. I was charged that fee the very first month. I figured I must have read it wrong and went ahead and paid the fee. I also had to pay a fee to get a second card in my husband's name. So already, I am realizing that this isn't all it was cracked up to be. But I decided to keep the card. I had no intention of maintaining a balance anyway. I planned on paying it off every month or sooner to void interest charges. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d04208bd98f14ba1a3a8ddd172b31a83
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away as all of the other reviews are telling you. I too have been a victim of this scam (dirty credit trap). I have been working incredibly hard on reestablishing my credit and of course, I get an offer from \"Credit One Bank\". It just so happens that I have a Capital One credit card so my first thought was that Credit One Bank was an an entity of Capital One. I took the bait and right away I was approved. I was excited about the idea that my personal credit was on the way up. Once I setup the account online, I noticed a balance of $87. I then went into concern with how could this be? I thought to myself, I just opened the account with a charge that I new nothing about. To add to the misery, I tried to contact them for an explanation about the immediate balance amount, and I still have not heard from them. It has been almost a month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 614e27ae6a2b4ac09280eda8c27be156
encoding: FLOAT32
metadata:
{"chroma:document": "I have placed 3 times a dispute on the same case, following the process required by Credit One (written and signed ) and I have never received an answer or communication from them to know if it proceeds or not. Also, talking to customer services is not worth because they promise to give an answer that never comes. I have talked 2 times: the first time they promise to have an answer in 21 days. When I called, nobody knew about my case so they promise to answer in 48 hrs. In the meantime my charges continue to grow, in spite of not using my credit card. So, I went to Better Business Bureau because there is no other way to get an answer. They don't have an email address, or other fast way, better than the regular mail, to receive information from their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cb4ee4919554d929ecff9e01e2af5d1
encoding: FLOAT32
metadata:
{"chroma:document": "Received a call from their collection service demanding that I make the payment. Told them how can I pay when I did not receive a statement. He told me doesn't matter I have to pay. Hung up on him. Got online and opened a account to see my billing and my charges made. The account is less than a month old and they said they had sent me a bill through e-mail. Never received anything. The payment due was for January 12th. I opened this account through a flyer I received in the mail. Said \"NO application or yearly fee\". Was surprised to see a $75 annual fee added to my account. How can I pay a bill that I had no idea it was due. They are on a 30 day billing cycle but I was supposedly billed less than 30 days. Talked to 3 different ladies and could not understand any one of them. Would NEVER recommend this card for anyone. Confusing and very bad business practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76f3c7e9a2354897bbdf1f759dc46dde
encoding: FLOAT32
metadata:
{"chroma:document": "My account does not have a balance. It was paid out and they were still adding finance charges. They then began to add finance charges to the $8.25 annual fee. When asked why they add fees to the annual fee they told me that is because I have a balance of $8.25. They will not answer your question on why it is done. One CS just sit there until she got tired of me saying hello, she hung up the phone. I asked why I could not pay the annual fee in one lump payment, and I was told that I could not do that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a2b7bbd9ea0423fb83b959fd7ac8886
encoding: FLOAT32
metadata:
{"chroma:document": "I just ended a call with an agent that is clearly in the Philippines. I expressed my outrage regarding the LIE that your funds will be available 24 hours after payment for a \"nominal\" fee of 9.95. Words of advice...only use this option if you are going to be late paying. Late being you didn't give yourself a whole week for it to clear (which is ridiculous). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab10ab3fc3da4b6999d90f2494854ea9
encoding: FLOAT32
metadata:
{"chroma:document": "I received prequalified/preapproved letter for 2500 dollars the first week of December. I looked at reviews online & saw mostly negative but decided to apply anyway. Got approved for $250. I was ok with that, figured I would keep it as a \"just in case\" card. I was even okay with the $75 fee being taken off immediately. I still had not received my card after New Year's. I called into customer service and told them I'd like to cancel it. They credited me $25 and said that they would resend it to me. They guaranteed it be there by January 10th or 11th. It's January 13th today and it still has not come. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: daf01c131b064744ab25ffbeaea1af88
encoding: FLOAT32
metadata:
{"chroma:document": "I sent my info after I got married three times to change my name on my card. It never happened. As of today four phone calls later they would not change my name over the phone. They wanted me to spend more money. Not happening. I cancelled my card. Everyone they have in customer service is overseas. Not in America!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 253b77c3022448148b8a08756c52073d
encoding: FLOAT32
metadata:
{"chroma:document": "Signed up about 8 weeks ago... tried going to website to pay, unable trying mult. times. So I call the # to make payment with my debit. 1st issue couldn't understand her so I asked where I was calling as I told her to speak English... and I was calling Philippines. Also charged 75.00 annual fee which is not in their info anywhere!! I am canceling this card o ya and 24% interest?! Beware - do not get this card!! And reporting to credit report agencies as well!! So furious."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f189851cf4d1428a82fca24c2045b2cd
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for and got a credit card from Credit One. It arrived in the mail with the number to call to activate card. I DID NOT activate the card, thinking I would not use it. I received the bill, on a non-activated card, for the $45.00 fee. I called them to tell them \"NO. DO NOT activate.\" About three weeks later I needed to use the card. Called to activate and then used the card. I have not received a bill after using the card and today they called me and said the bill was 5 days overdue. You call the recording and it says the bill is not due for another 3 weeks. We have gone around and around with people that are VERY hard to understand. Nothing is getting resolved, and will try calling to get an answer again. Not happy! Stay AWAY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 016bcff1f13643f69519c4b2dd8abeda
encoding: FLOAT32
metadata:
{"chroma:document": "Firstly, when signing up for the card I thought it was for Capital because their logos are the same but it was really for Credit One Bank. I signed up for zero annual fees and no interest for a year. Before I even received my card I had $195 balance from all the fees they charged. I tried calling to cancel because I didn't make any purchases and I hadn't even activated the card yet. They send me to 3 different departments and said I couldn't close it unless I paid the amount. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e27aa39ee17410487006c1c6c726d70
encoding: FLOAT32
metadata:
{"chroma:document": "I don't understand why it takes so long to process payments. I always make my payments on time. The payments are debited from my checking account the next day, however, it takes 7 days for the funds to become available. Such an inconvenience at times. Also, even though I pay the statement balance in full and again ALWAYS on time, the company will not offer a lower interest rate. Lastly, but certainly not least, they have the worst customer service ever! When you finally get someone on the phone, they lack professional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e024a07a70b40d4a17a54106667f5cc
encoding: FLOAT32
metadata:
{"chroma:document": "When making phone calls to ask questions for some reason they are always hard to understand. No matter if the person is male or female. When making payments I've notice that the more you owe no matter if you make payments on time the balance doesn't become available. Some months payments are smaller than others. It's tough to see money vanish when establishing credit. Has happened to me a few times and it seems to be getting to me. Am taking action on calling customer service but I can't seem to comprehend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba02603a16c54a76a913cdd28c8e2ebf
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this little card for about 6 months and everything was fine. I was set up on automated payments and they were coming out like clockwork until the payment for January 2017 came due. The auto-payment feature on their end didn't do its thing on January 6th. I logged in on January 7th and submitted a payment in the $450 range which left about $25 owed (balance). I received an email on January 8th (today) stating that the payment was late and a $25 fee was assessed. It's a Sunday so I'm sure that I'll have to sit on this until tomorrow and try to get this resolved. I don't need this little card anymore so as soon as I can get all this settled I'm going to close it out (I'm thinking that that will be a battle). If you can do without this card, do without it. In retrospect I believe that some of their business practices are a bit sketchy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46fd72a25d624c28893e7434c50d696b
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to pay online using my debit card, but they want to charge me an additional $9.95 for the privilege of paying them! **!!! I can register my bank account with them, but then I have to wait for them to make two small deposits and then verify the account. Why can't I just use my debit card like I do with everyone else? When I called customer service, the person barely spoke English and told me the only way I can make the payment without the charge is to mail it in. This sucks. As soon as I get these ** paid off, I am cutting up the card and mailing THAT to them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38986c58b49a4357bc0136e00653582e
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company. I have a $0.00 balance on the card. Still I had to pay $8.00/month. One time I forgot to pay, they charged a late fee of $25.00. On top of that, they charged an interest of $45.00 for that. For a card of $700.00, paying $80.00 for no reason is the worst part. WILL NEVER EVER DO BUSINESS WITH THIS COMPANY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93a2e5d0772840a4a90750f8ad72561b
encoding: FLOAT32
metadata:
{"chroma:document": "Lost card. Ordered new one. Paid down old card for refi. Rejected for refi loan because Credit One reported lost card that was closed as still open with maxed out balance. Spent 4 hours on the phone with them. No one spoke very good English. They would not admit to their mistake even though we had Equifax on 3 way call confirming the inaccurate information Credit One reported. Our credit score dropped significantly. No one at Credit One really cared and said they would send a letter out to Equifax in 5-8 days with correct info. Refused to send letter to our lender. Please do not use this card! Could cost you your credit and your home!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c81803c6a52441ea615f017cf0a6328
encoding: FLOAT32
metadata:
{"chroma:document": "When making an online monthly payment if you make an \"Express Payment\" and pay a fee of $9.95 the funds are available the next day. When making a \"Standard Payment\" funds are available in about 5 business days although the standard payment amount is withdrawn from your checking account immediately. How is this legal? Normal payments (on just about anything) appear or are available the next business day. How do they get away with this???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d80893eb9c04768a93ba0eb253dec88
encoding: FLOAT32
metadata:
{"chroma:document": "Credit one bank is the worst!!! You miss a payment by a day and they will call you back to back until you make the payment or answer their call. I missed a payment and decided to answer their call. The Rep told me I would need to make a payment of a certain amount, and then he kept pressuring me to pay off the full balance after I told him I wasn't able to at that moment. And when I was hospitalized, I was behind on my bill a few days... They called my sister back to back. Who does that??? Worst company ever!!! Can't wait to close my card. I don't care if it will affect my score. They're the worst!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 141c730f657842318c0d6b283cc761aa
encoding: FLOAT32
metadata:
{"chroma:document": "Open this account Oct 2015. Had problems from day 1. Problem progressed so bad 3 months later I had to close account and request a final bill. Customer service must be inputting information by hand. Payment made through their \"preferred\" express method were missing. Unauthorized payments were attempted and when the funds were unavailable my account was deactivated and I was required to jump through hoops to reinstate. The customer service reps have a jr high education at best. I was warned to steer clear of this card but was desperate to improve my credit rating. Mission accomplished but at a cost. Closed account, will never repeat. Beware!!! There are other and better options available."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 862569a906bc4c5e85143b98a088320f
encoding: FLOAT32
metadata:
{"chroma:document": "They do not provide for automated monthly payments on the online account portal, so that they can catch you with the $35 penalty when you miss the due date. Their website is down regularly (8/9 out of 10 attempts) so if you wait for the payment due date, you are bound to miss it and they welcome the late payment so that they can rip you off with the late penalty fee. They offer small limit increases for a fee! For example: $150 limit increase for an approximately $20 fee! I am definitely closing this account as soon as I can log on and settle the outstanding balance! My advice... stay away from Credit One Bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e17ab94d066c4010927e6eb4b7961836
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for account with no annual fee. Credit One does not have a standard auto-pay feature that pays every month from a funding source. Standard bank payment takes up to 9 days to credit to your account. Express carries a $9.95 fee from debit card. With this card you \"must\" keep track and pay early or you will be late. For this reason I use the card and immediately pay off before getting a statement allowing plenty of time for payment to clear. Today I get an alert on my phone that my Credit One payment is due. Thought better check even though I paid off with zero balance. Logged on and discovered I had a balance due on the 5th. Made standard payment via bank as I normally do and noticed payment would not make it in time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0ac3c21a19544cbae0dc28425d2db3c
encoding: FLOAT32
metadata:
{"chroma:document": "My account has been frozen since September 4th after a big purchase I made for a little over $500. I have spoke with customer service and the security team several times about this matter to ensure them it was my account and that it was me who made the purchases. They tell me they sent an email to whomever it is working on my account. They say the same thing and give me the run around every time I call. I have Done several verification checks. My license are expired. They have been. I opened the account with the expired license. I also have the receipt for my license renewal. It takes 10-14 business days to receive a license through the mail where I live. What I have done and sent is legally enough for verification. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6886b8e6415648b2b2c8aa527a1cd931
encoding: FLOAT32
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{"chroma:document": "Made a bill payment on 6/29/2023, the funds were taken out, because it was a check to be mailed the payee would receive it on 7/7/2023. No payment was mailed the 29th or the 30th. The payment just processed on 7/7/2023, not mailed. I have a screenshot stating the payment would be received by the payee by 7/7/2013."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f453211328f446187c5a410560fb803
encoding: FLOAT32
metadata:
{"chroma:document": "I called in & was told they can see my referral & that if my bonus doesn't hit by Friday, which is today, then to call in or text. So my referral & I called in separately & was told he met the requirements & they will add it in my checking account. Still nothing today. Then I talked to an agent & he told me I had to have the referral call in AGAIN to verify he met the requirements. So sick of of the run-around. I'm about to switch to another bank come Monday morning. My referrals all said the same as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My money was stolen from my account this account was recently opened and I received my 1st direct deposit huge mistake and my money was stolen! Your accounts are not secure and I wasn\u2019t guaranteed to receive my money back after I put my trust in SoFi! SoFi are SCAMMERS!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6057bcf6c8349bbbd261fda2194e591
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{"chroma:document": "I opened an account 2 months ago. I called several times to get the welcome bonus, the manager told to not worry and the bonus was on his way, after making multiple verifications for 20 minutes. I called today, they said it was denied. They gave me shady reasons. How can I trust a bank company that struggles to give $50 welcome bonus. So, my wife also closed her account today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3be8056941ea4538bd2ebc89126b4916
encoding: FLOAT32
metadata:
{"chroma:document": "I started with a personal loan and they gave me the most affordable monthly payment so I could consolidate some expenses and debt to be able to take on a car payment. Recently I discovered my bank was taking $5 a month out of my small savings because I needed to use some of the money and dropped the balance down. Apparently it costs more to maintain less money in a traditional bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f30c366a9094f58bc963e7e35bb407f
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{"chroma:document": "I set up a direct deposit with SoFi from my employer for my paycheck. There was a mistake in the account number I type in wrong... an extra 3.  The routing number was correct and I have proof from my employer that the ACH went to SoFi. I have given SoFi the ACH data and trace number. But SoFi says they can't find the transaction and can't help me. My employer needs the ACH returned before they will reissue the paycheck... SoFi got the money according to the ACH record.... but they \"can't find it\"! The customer service is so limited that every time I put in a ticket, they say \"Sorry, but we can't help.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I set up my SoFi checking account on February 2nd and added several thousand dollars to it. I got my direct deposit (paycheck) sent to the account and set it as default for all of my credit card payments. Then, today (Feb 28th), they emailed me to say that they had closed it and that they would send me a check with my $7000 in 30 days. I called them but they would not tell me the reason for the closure, and they said they could not reopen it. I have no idea why this happened or why I have to wait 30 days to get my money back. I would recommend using a regular bank account and not relying on SoFi for anything important."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52547c672b634faaa17490495d3e00aa
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with this bank since 2018 and had no little issue until late last year when my car was broken into and got my wallet, with ID, ssn card and Sofi checks because I was starting a new job the next day and needed all that for onboarding. I reported this to then bank so no checks got cashed and get new debit cards but didn't insist on closing the account and getting new acct number just kept the old one. Fast forward to this past month, and my acct gets frozen without warning or phone call or email, was at Walgreens trying to get a battery and prescription for my diabetes filled. Called their lovely Fraud department and said fraudulent check back in October was cashed, which was news to me, and the account was locked and nothing they could do about it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f843694c881044d89e4aea3575f4686a
encoding: FLOAT32
metadata:
{"chroma:document": "I was informed this past week from SoFi bank that they were closing my account. I initiated an ACH wire transfer over from my Discover bank account 3 days prior to this. It was over $1600 in my account and they posted the money for me to be able to use it the day after they told me they were closing my account. I can visually see the money in my account yet it will not let me transfer it or use my bank card. I was hung up on by their customer service rep after I repeatedly asked her the reason for them closing my account. I think they are trying to steal my money based on all of the other complaints I have been reading."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I opened an online checking/savings and investment account. Within 24 hours it was hacked. I found it out and brought it to Sofi's attention. I have spent the last week trying DAILY to get my funds released - emails-calls and I can't get ANYONE to resolve it. So bottom line Sofi has every dime I have and they won't release it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d729bacfc0fe4907a228e329f4453744
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{"chroma:document": "My Sofi Money (Checking account) was blocked over a month ago with a balance of almost $10,000, without any explanation. The Live Chat support becomes unavailable while the account is locked, NO email support nor ticket support is available AT ALL, and they will ONLY get a phone call, but SURPRISE, the matter cannot be handled by their support, but by a so called Security Team that doesn't want to talk to the customers in any way. NO live chat, NO email, NO ticketing and NO phone support for their Ghostly security team. The Security team ONLY accepts voicemail. That's what I've been told. Sure, I called several times and left voicemails, but nothing happened."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91e92db0bf0c434e8a819f2f34c5976f
encoding: FLOAT32
metadata:
{"chroma:document": "I direct deposited and transferred over $20,000 to SoFi on a new account with the promise of a sign up bonus they refused to pay out. DO NOT BANK HERE!! Their customer service is horrible and located you know where\u2026"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7c9a996ee1340f48196de5995b50b40
encoding: FLOAT32
metadata:
{"chroma:document": "Locked out my grandson from his account due to their own error and illegal request to send front & back of SS card for verification. Made a mobile deposit, which they duplicated, then backed out that deposit and locked his account for over a month! They were calling the wrong phone number! We verified his number when we called, but this Charlene ** wasn\u2019t calling his number! Only one email (responded with no return calls) and nothing in the US mail. DO NOT TRUST THEM!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c2974d9b39c4a5f8ee158ad17aa0f19
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metadata:
{"chroma:document": "Been with them since 2019. Love their new accounts and never have had a problem with them. They over direct deposit bonuses and now offer 2.5% interest on checking and 3% interest on savings balances with direct deposit. Customer service is quick to resolve issues that come up and I get my direct deposit 2-3 days early each week."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b8df2dc91a24fddb5275a3a37c66b90
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{"chroma:document": "I have been using SoFi for a year. I have used traditional Banks in the past but really enjoy all the perks from SoFi accounts. I move money a lot and SoFi manages it seamlessly. I think it's nice to earn points that can be used any way the consumer wishes. I added mine to my checking balance recently. All interactions with Customer Service has been top-notch. I believe in mutual respect. So do they. It's a great place for all my banking. I'll be a customer forever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f05c66d6f93c4306bdb9d46c606d7383
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metadata:
{"chroma:document": "I opened a joint account with my wife. She needed further verification because married name didn\u2019t match maiden name. The representative was extremely rude to her and unprofessional. At one point he snickered. He refused to provide her with his name. I closed the account a few days after I opened it. Would never recommend this bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c284d5f8546d484dbd445cf06d1c3960
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{"chroma:document": "I love the services that SoFi offers. Fee-free bank accounts, an 1.25% APY on your bank account and everything I need for finances in one app. Personally, I have experienced no issues with using their services and look forward to banking with them for years to come. The only drawbacks that some may face is a UI that needs some updates and figuring out their ATM network for the times you may need cash, but both of those are very minor inconveniences. Overall, I love the service and its benefits. If you are comfortable with using neobanks and don't need the \"hand-holding\" that traditional banks may provide, SoFi is a great option for all your financial services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31a8af00428b42ff88f940e6b099661a
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metadata:
{"chroma:document": "My account was hacked and my money was taken I reported it to Sofi and they sent me an email stating they didn't find any issues. Even though my account was hacked and money was taken and it even said the person's name that the money was being transferred into and I don't know the person but yet there is no issue there. Therefore I will not be getting any of my money back. So I contacted my lawyer. Today we are filing the paperwork to bring Sofi to court. Not only for them not doing a thorough investigation but for also causing me emotional distress, depression, anxiety. How can a company like this do something to somebody like this. Obviously whoever created Sofi doesn't know what they are doing if they're okay with people stealing money from other people or going on other people's accounts without permission. Awesome guys. I hope you're proud of yourselves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I open a checking for a disaster loan. I am all approved just need a bank account and direct deposit by a EFT transfer. So easy right, over 50 account agents. I called tried to find my 25,000 eft transfer. In 14 days I still could not find it. Lost 30 hour of work to date so far no money! They sound nice BUT NO CLUE, brains or common sense. So I have 25k in the cloud still.. Run."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b44f8db84c24204b9f390af2a2493f3
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metadata:
{"chroma:document": "Signed up with SoFi on a promotion through Penny Hoarder. SoFi gave me $5 in a stock of my choice. I did that, later allowed a bi-weekly withdrawal of $20 from my bank account to use to invest. Suddenly, over $3,000 was withdrawn without my permission. I called immediately. They accused me of allowing someone to access my account and that I had not only done that but also given someone my password as well. Nobody but SoFi and myself know I have that account. I never allow anyone to use my devices, nor would I be so foolish as to give anyone access to my account and password. It's now been a week and they haven't released my money. It's being held hostage by SoFi."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb8df32ab1ae488fbd104e5ae785dd7f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is INCOMPETENT!! They changed their accounting numbers for their clients without notifying us, thus when writing a check it comes back returned. In my whole life I have never had a check that bounced as I am very specific on accounting. But SoFi changed that! I got a return check for my property taxes not because of insufficient funds. But because SoFi decided to change their account numbers on their checks and the county couldn't locate the account. What kind of moronic bank is this? I will be moving all my accounts from SoFi because this level of stupidity will not be tolerated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6be68759b544816a2477a1329f8c7ff
encoding: FLOAT32
metadata:
{"chroma:document": "Fraud. Scam. My funds unavailable. Will not trust to keep monies anymore. The process takes 90 days. My information is not public so how did they get my info? Just FYI to faithful customers out there.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f87765380cf41da9de5f063cb522aa0
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metadata:
{"chroma:document": "2-3 day hold on your $. Can't transfer crypto. What investor wants their funds unavailable? Takes 2-3 days to transfer money within app. I had my direct deposit switched to app, funds were deposited Monday, I can't get cash, or access my funds until this coming Monday if I'm lucky. The app developers have serious work to do. GARBAGE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9749f9a0defa48d894d0d3188bb794fc
encoding: FLOAT32
metadata:
{"chroma:document": "From the moment I started my account, nothing worked properly. When I tried to add money to my account from my bank, $0 dollars was the only option and no matter what I tried, it wouldn't allow any other number in there. I contacted support and their one line terse responses were \"Put the cursor on the 0 and start type the amount\" as if I'm a complete idiot who has never been on a webpage before. Of course, that hadn't worked and still doesn't work as of the writing of this review. I use latest version of Chrome. When I responded to the email support, I got an auto-response that all support is by chat and not email. When I went to chat, it got disconnected. I also found no robo-advisor option anywhere on the website or app that is advertised on their site. After nothing but problems, I decided to not proceed with this company. I do not feel comfortable transferring money to them (and am unable to anyway)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "SOFI is not a good brokerage, I have been facing lots of problem. Initially, they mentioned all trade are free whether it is stock or currency. In the currency trading we gain in micro points and that all benefits go to SOFI and you get nothing. They steal money in the background around 0.02% and if you calculate overall you are gaining nothing. So avoid avoid SOFI, it is very danger."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with this bank, and can not move money out of the account. So I am in need to transfer money out and they at this time have no way to make that happen. What kind of bank forces you to keep money on their platform only. Seems like a scam to me. Obviously, they don't have a working product to offer clients."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f45be37b3cba4cd791d509dc547751d0
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{"chroma:document": "Customer support is abysmal. You would think this company does not want to make money. My first name is abbreviated on my state issued license because it is too long to fit. This is causing issues when trying to open an account. I called customer support and they literally told me they could not do anything to help. Cut and dry that was the end of support. I can only imagine what kind of support you can expect even after you open an account and they are holding your funds. I would stay far away from this organization."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "Great experience. Really want you to be happy and get back to banking the way it was supposed to be. I give it a ten out of ten for convenient banking. I will be a life long member and customer. **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "Very nice website and its process. Very simple and straightforward process. Had no issues with it. It makes me feel welcome and my life much easier and peaceful. Great banking system. Easy to scan and deposit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66acb0551db44950a652a3f81907eb6c
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{"chroma:document": "SoFi policies are from the cave ages. Moving your money into an investment account considered a \"settlement\" and held hostage for 7 days. Imagine what will happen in the case of a market crash - you will lose all of your assets even. If you are a wise investor SoFi is not a safe place to hold your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have read reviews here re: sofi.com. I see many are borrowing or re-financing student loans and I am sorry for them. I am new to investing (at 68 years old). I started very small. Sofi.com is seamless and the site points to many helpful tools. I am getting a great education on a very small level. I like Sofi.com for this reason. My motto in life has been cash is king and now in retirement I am building a little money rather than getting nothing from my savings account. A risk yes. There is nothing but risk in life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "So first time I used it I transferred $500. The app kept giving me an error message. After several attempts come to find out it transferred $500 six times for $3,000. Called them immediately. After 30 minutes and talking to two people they still refused to help. I\u2019ll be transferring back all the $ and going with a different app."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "A few months back, SoFi alerted customers that it was switching to a new bank, resulting in a new routing number. I was left to call several companies that I do business with, to inform them of the change. This including my mortgage company, of which I have two accounts. The month following the change, I logged into my SoFi app to make sure my monthly payments for both of these accounts were debited from my SoFi Money account. I saw two charges from my account, one for each of the loans, and assumed everything was okay. A few days later, I noticed a $20 \"miscellaneous credit\" to my SoFi account, with no explanation of where it came from. I chalked it up to recent promotion that SoFi was running which offered cash back for eating out at local restaurants."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "My chip was bad on my old card, thought I\u2019d get it replaced and not have to change my card number since it was simply damaged. I was wrong. I use their chat because of course their app currently doesn\u2019t have a selection to replace a damaged card, just a lost or stolen one. I\u2019m thinking there\u2019s an issue with their app, I speak with an agent who I clearly tell I wasn\u2019t looking to have my card number changed. The agent proceeds to change my card number without any warning or explanation as to why it\u2019s necessary. I was advised I\u2019d be able to see my new card info online and I\u2019d be able to use Apple Pay while I waited for my new card..another lie. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "So they told me all these perks to get me to sign up, because why wouldn\u2019t you, right! Well come to find out they try to take advantage of you I feel, because they lied. I\u2019ve noticed so far is they said that you will get $50 and the person who referred you will get $50 if you open the account and deposit $500 into the account. I deposited $500 in my account immediately I receive $25.00 a week later after I sent emails asking how the process worked (with no response from anyone). The person who referred me hasn\u2019t received a dime I have contacted them through email and I have gotten no response. I also made sure I used the link my friend sent me to sign up. I\u2019m very disappointed I don\u2019t like when companies do this. What so they were hoping we didn\u2019t notice??\u200d\u2640\ufe0f Shame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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encoding: FLOAT32
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{"chroma:document": "Initially, SoFi was great. I liked that they cover ATM fees, have a great and useful app and good customer service. However, they decided to stop honoring the deposit of checks with a signature on file (in my case my paychecks as an independent contractor) without notice, which really put me in a financial jam and they are not taking any responsibility for the lack of communication on this. Instead, I was told to let my employer know that they need to change how they issue paychecks to me. Since they decided they will not be honoring paychecks from my employer, we are taking our banking elsewhere. Beware of changing policies at a drop of a hat without notice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0bcba336c886473a9bc19518de8055fa
encoding: FLOAT32
metadata:
{"chroma:document": "Very hard to dispute a charge with this company, spoke to many agents sent many documentations and still my claim was declined. Even though the company that took my money failed to provide services the bank said the case is close. All my disputes with Bank of America and Chase was taken care of quickly and to my satisfaction never had I have to send so in many documents proving that my flight was canceled and I still have yet to get my money returned or a voucher for future service. Sofi said, \"Oh well the case is closed.\" I will be sticking to Bank of America and chase and be closing this account in a few months and move all my money out of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I set up a Sofi Account trying to use the new extended Tax Deadline. Their system showed I was approved for the account and allowed me to schedule a deposit for the MAX contribution. They failed to schedule the deposit and didn't create the account until July 16th. They then refused to fix their error costing me $1400 in tax refund."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "When I first signed up, it took 4 weeks to get my debit card in the mail, I was already direct depositing my checks into my new account at this time but I couldn't access or spend my money because it took so long to get my card to me. I could forgive this, stuff happens and I understand delays, but it didn't set our relationship off to a promising start. That is fo-sho. I wanted to like SoFi, I really did. Crypto Investments? Whoa! Check. Stock market investing via mobile app? Awesome! No ATM fees or overdraft fees? Bonus points. Direct deposit and Mobile check cashing? Ok well, everyone offers that now, but still cool right?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53fb98bd05084b548283fa935e63add9
encoding: FLOAT32
metadata:
{"chroma:document": "Received offer for their CMA - went through the process of filling out the paperwork and despite being a millionaire, they denied me. I\u2019m glad they did too, just look at all the problems people have here. This is such a bad company I\u2019ve decided to buy everyone considering joining SoFi a free pizza from your favorite pizza place. Just HMU, I\u2019ll call it in - up to one 5 topping pizza. Sorry, no breadsticks as my offer is only good for the first 40 million people that refuse to join SoFi and their pyramid scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd5e5c5129864918baf87ecb5f63d68f
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{"chroma:document": "** is my email. If you email me, ill provide you an attorney at no cost if you suffered any scams with Sofi. Please no sensitive information, just the basics of the claim, no personal information. As of this update, 191 people emailed me, if you check your email, i replied with several attorneys names and websites for you to choose. Some of sofi\u2019s latest penalties for its fraud:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1977bc752a5b40cd8460739db2d1fce8
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{"chroma:document": "I signed up for SoFi Money under the $50 bonus offer. I complied with ALL requirements. I even sent them print screens of the offer I responded to and of my transactions with the account--at their request. But they still would not honor their advertised offer. Since they only have a 2 Star rating here, apparently I'm not the only one having problems with them. There are other companies offering better rates and probably less drama. From my experience don't trust their advertised offers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0b6bd1451aa4e10916ba0065d8430a3
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{"chroma:document": "How can you get your money right when you hold Cash Deposits for 4 Days? That is WRONG!!!! Not Right. Banks take no more than 2 days and my Credit Union allows cash to be made available immediately. No Waiting whatsoever. WHY are you holding out MONEY for 4 DAYS? IT IS JUST NOT RIGHT!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c939e554c9bc42db9c6afed8201be783
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{"chroma:document": "Take your money easily but on day 5 of trying to withdraw over 8 hours on phone countless emails and nothing to satisfy them. Voided check from my bank account. Wasn't good enough then they made me delete my account and re-add it to try that and that didn't work and after three hours of being on the phone today he pretty much let me go cuz we couldn't figure it out. They're just safes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Ughhh! If I could leave 0 stars, I would! I signed up solely because their advertising offer that theyll give you $50 when you do sign up. So I started an account almost 2 months ago & when I never saw the $50 they promised (surprise, surprise) I sent them an email asking about it... no reply. Sent another email a week later, still nothing! All in all, I've sent like 4 or 5 emails over these 2 months and NOTHING. No automatic reply, nothing. So that shows plenty on how they don't care about their customers. Their severe lack of customer service, because they can't even reply to a simple email. But the main thing being how they lie just to get people to sign up! I thought the look of the card was different and kind of cool, but the fact they're liars and can't even reply, don't waste your time with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9bb014bd7b6b448b94daa0905b904ae6
encoding: FLOAT32
metadata:
{"chroma:document": "Coworker sent a referral link. Initially, the application was simple. It took only a few minutes. I was surprised and concerned it was denied. I have credit score above average and did not read that credit check is done for savings account. I receive prompt stating an email has been sent with further info. The email itself was vague and I called SoFI. I expressed concerns for lack of information after I provided specific info like my SSN. I told them I was married within this year but I legally changed my name and all documents reflected this life event."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da82149d018447aa860970d17614e013
encoding: FLOAT32
metadata:
{"chroma:document": "Some people worry about the money not being secured until it reaches a partner bank, but just know that SoFi has never not let someone withdraw money (unless your account has been flagged for security). I use Sofi as a way to make money with money, This is an account that has APY better than my Wells Fargo account and most other major banks. I can access my money with no problem in the event of an emergency. You can withdraw money from any Visa ATM, this includes all; Wells Fargo, CHASE, and most other major banks ATMs. I love it. I only wish I had a physical bank to visit. But I don't ever go to my branch nowadays. If you use a referral code to sign up you also get $50 after a week of having your bank account with a balance of at least $100. Use my code if you decide to sign up. https://www.sofi.com/share/money/**/"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e52ff28da68486f9f563a7f741c1eb9
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{"chroma:document": "Sofi never pays the referral bonuses, charges illegal fees and unauthorized charges, lies about many aspects of your invest account, and illegally seizes your money if you complain. The SEC, FINRA, Attorney General, FTC all seen my evidence and are opening an investigation. I have a call tomorrow with the FBI, and the media as well. This company uses false advertising and bait and switch to grow its clients and inflate its books without paying the agreed referral fees. They make false statements about your brokerage account and if you call 5 times, you get 5 answers... it should be 1 answer..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 336c105f917947a4b359f3eb9b322ec7
encoding: FLOAT32
metadata:
{"chroma:document": "First, they wouldn't link my bank account so I couldn't send myself money to get the referral fee. Then after I finally get money sent to me the referral money poof never appears. After that, I try to link it to an existing bill and it says this account is not eligible to link with any of my cards. Ok I get it. My credit isn't 700 or above, but if my credit score doesn't make me eligible then why the heck did you approve the account in the first place? I can't even use it, other than to send money back to the person who sent it to me because they have an account. All in all, I don't recommend using this service if you don't have great credit because it's nothing more than a giant waste of time. Also, when I linked the debit card it said Costa Rica?! Seems a little fishy to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfc34cf7f5514196a111271192395776
encoding: FLOAT32
metadata:
{"chroma:document": "SoFi has a competitive high APR and moving money between my \"brick and mortar banking accounts\" and my SoFi account is a breeze...and without fees. I have given up on my credit union for any decent return."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2eaa7c7b683402caee20331bf816963
encoding: FLOAT32
metadata:
{"chroma:document": "I would consider them average although I haven't dealt with lots of pure online banks to be fair. As with any company nowadays being on hold is becoming standard. The agent was friendly and did know the answer to my question."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4f44d6c346e4c889cf2eee1f861d02a
encoding: FLOAT32
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{"chroma:document": "So I opened an account and fund it, I started to refer some of my friends to get the bonus 50x50x50. I checked my account today and my bank account disappeared without notice. So unprofessional! I would stay away from these kind of \"new banking\" companies. Well established banks would never do something like this, I had to email them today to figure it out what happened. Do they need to verify my information? Is it my credit score? Regardless of the reasons, I think they should be more transparent about their processes and they should get their process together. You can't just open accounts and close them as you wish."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9478643f868462f9b5dc809fb317aa2
encoding: FLOAT32
metadata:
{"chroma:document": "I've been banking with SoFi for about 2 months and so far I'm really glad I opened up the SoFi Money account. I was getting 2.25% apr until the feds just dropped the interest rate, however it's still a respectable 2.00%which is 99% more than my Wells Fargo savings account pays out...ever. Setting up the account took about 30 seconds and was incredibly easy. I've had no issues transferring money into my account. My favorite part is being able to use an ATM card with $0 ATM fees and it's one of the biggest reasons I decided to go with SoFi. In fact they have $0 fees for virtually everything concerning their money management account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d43d8cd8518b4487a0654638b67e33c2
encoding: FLOAT32
metadata:
{"chroma:document": "Opened an account with them and everything was going fine until I tried to connect another account to fund this one. They denied the link. Which makes no sense at all. How are you going to give someone an account then not let someone fund it. Company has several predatory issues as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9119332920224e3194a27d769f514ab4
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a sofi investment account. They send me $25 bonus right away after I opened my account as they promoted. Then I opened a Sofi Money account as I liked their %2.25 APY plus they had a bonus $100 after opening and transferring my first $100. And they also send me that $100 two days after I transferred the money. They have a referral program to invite friends and you both earn $50. I sent a link to a friend of mine the day she opened her account they put $50 in my and her account. I had questions couple of times and they responded right away. So far I am happy.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 688b927efa10468d9a4bcc1b7ae5cddc
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{"chroma:document": "SoFi sent me an email offering their new SoFi Money savings account with a 2.25% APY and $100 bonus for signing up. I have done some investing in their SoFi Invest platform in the past so they have my info. I started to apply for the SoFi Money account but they said I would have to unfreeze my Experian credit file to complete the application. I unfroze it (my FICO score ranges between 760 and 800). I continued the application only to receive an error message saying that they couldn't verify some of my information. I then tried corresponding with 3 separate customer service representatives and the only answer I ever received was, \"There's nothing we can do.\" Seems to me that a company that already hosts a brokerage account for me and sends me a targeted email offer for a product should reconsider providing their customers no service and non-answers. Lukas."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3d0ea38988e4733b270e147e386612f
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{"chroma:document": "I'm new to stock trading. Fraud their system is screwed, very poor customer service. Messed up my account after a reverse split. Lost $ due to their system issue. After split shares highest value ever was $11+ and average cost for buying per share is $13.5+. Multiple times tried to contact them, they are always busy. Decided to try some other platform for trading. Start withdrawing money as much as I can from SoFi. DO NOT TRUST THEM. TRY OTHER PLATFORMS LIKE WEBUL OR ROBINHOOD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29170882d0e247b39fe1ab4eea8fdef5
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for a Money account but they will not let me link my Chase checking account to transfer money over. They sent me some vague form response regarding their 3rd party reporting service. I emailed them multiple times in response and it's clear they don't care about me as a customer nor are they willing to make any effort to fix my problem. If they care that little about me as a person I don't want to trust them with my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d9c17a8578e4a4d95afe7ca16c0b4ff
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metadata:
{"chroma:document": "I placed $100,000 into an account expecting to accrue the advertised 2.25% interest. My money was placed into an investment account. When I called to transfer the money into the correct account, I was placed on hold for a very long time then told there were no funds in the account. I was then told to contact the investment department (all departments have the same number). I tried that and the department was closed. Finally, I decided to close out the account and transfer the money back into my bank account. I'm now told it will take 4-6 days to do this. I am staying with the trusted banks I already use, Ally and Barclays which already pay a high interest rate. If you want a bank where it is impossible to reach someone to discuss your account then SoFi is your bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78347b86450e4fa6a6d76698e8756003
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{"chroma:document": "I sign up for a SoFi Money account. All went well, until they decided to close my account and never gave an actual reason. I have a credit score around 800. I actually hadn't done any transactions yet, so not sure what was the problem. I reached out to their \"customer service\" to try understanding the issue, but I just get BS boilerplate answers. I don't care if they rejected my application, but accepting it and then kicking you out shows how unprofessional this bunch of amateur banker wannabes is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52becd675bde4d0eacd2cf269c812916
encoding: FLOAT32
metadata:
{"chroma:document": "Don't waste your time with this company. They are clearly experiencing growing pains with the SoFi Money product and they do not have the time to appropriately and timely handle issues. Keep your money for over two weeks, refused to give it back. Screw them, boycott this company, they will run your credit without your permission. And lied to you, they run your credit so they can offer you loans if your credit is too low, they will closed the money. And you have to be fighting them to get your money back. Screw this company. Its marketing schemes They offer the money account as a front so they can run your credit to see if you Qualify for the loan. BOYCOTT Sofi. Scams."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 272cb3ea93014157a44761c5a67ba260
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metadata:
{"chroma:document": "I saw the ad for SoFi money on Facebook sounds like a great alternative to a regular bank right! Well signed up. Had a card within a week. Everything seems great. Started going through the app and learning how to invest my money. I added a few companies to my watch list trying to see how everything works. So I got on to my account about a week ago and it says I don't have a money account. So after having it linked to my other account still this is surprising. But when I sent an email asking why my account was gone I was told to look at the email that was sent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2484f55af8e641c8892a77334d1cb643
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{"chroma:document": "Tried to open an IRA to have some tax deduction but ended up paying tax penalty instead. They are totally incompetent and understaffed. They cannot keep any deadline and if you want to get anything done, you'd better be on phone every single day. Otherwise, they will just keep promising and doing nothing. In nutshell, I applied for an IRA account on 4/9/2019 and after 5 chat/call with their support, I learnt today (5/3/2019) that they screwed it and cannot fix it. My deposit did not go thru for 2018. Needless to say that means a tax return correction, more tax and penalty to me while they just say sorry and walk away. I have never seen such incompetence at a financial institution. No way I can trust them with my IRA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa79c71965fc4f53ad418a0c4f14a857
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{"chroma:document": "I started my relationship with SoFi to refinance my mortgage from 30 to 15 years at a better rate. Everything went smoothly, every promise was kept, and as a happy customer, I reviewed their portfolio. Next on my list? Consolidate and refinance a personal loan. Everything went smoothly, every promise was kept, and as a happy customer, I saw the benefits of consolidating my other business with them. A hybrid account that pays interest with no fees? Sign me up! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I originally deposited money in SoFi\u2019s money account as their interest rate was better than the institution I was currently using. Their service during this period was acceptable as they quickly provided an ATM card and interest against my principal. This is where the good service ended. I transferred money from the money account to the investor account as I wanted to make some equity purchases. The transfer was recorded on April 16th, which completely debited the funds from the money account, only a small portion was provided in the investment account for usage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2834ded7990a42499bba9df0c05d00d6
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{"chroma:document": "I wish I read reviews here prior to signing up. Just like many others here, my account has been restricted with no notice, warning or communication. I found out after a payment I initiated from my credit card company bounced - I had more than enough funds in the account's \"Available Balance\". When I called to figure out what was going on, I was told my account was restricted on March 28th and would need 7-10 business days to resolve. During this time they sent me a push notification to setup my direct deposit to them? (Why would I send more money to be held hostage? I'm so thankful I didn't deposit more initially!)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd1a8d5eef6243e2b75f60c0bd7ab7cf
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{"chroma:document": "I opened my account in January, only to have my account restricted in March, with an email saying my account is under review, and should be resolved in 7-10 business days. This was March 22, today is April 15 and my account is still restricted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I honestly, have just had issues with logging in to set up a direct deposit. Something told me that this could be a sign and to read the reviews and BOY am I glad that I did. DO NOT put your MONEY in this institution until they start earning better reviews and providing different experiences. Cutting up my card and sticking with my current institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Updated on 04/16/2019: Here it is April 16th 2019. The company Sofi is still give me the run-around about getting my money. They still have my account frozen. I need help? Somebody help me? I don't know what to do anymore so if somebody is out there that had the same problem and finally got the money tell me how they did it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Ok so, I had to do more research about SoFi, because for whatever reason, they froze my account without any type of explanation. The day they did it, 2 days ago, I sent them an email, letting them know, that if it was because I was transferring my money to different accounts, I have my reasons to do this, is some type of strategy that I learned to create relationships with other financial institutions, but at the same time, I wasn\u2019t going to close my account with them, and they didn\u2019t answer. Today I\u2019m extra mega pissed, for obvious reasons, I NEED MY MONEY!!! And still haven\u2019t received a ** email back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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metadata:
{"chroma:document": "If there was a zero that's what I would give them. I got my first deposit and they restricted my account just like they've done everyone else's. They said they were checking transactions but I have made no transactions other than the deposit. I have filed a complaint with the Better Business Bureau and I have also contacted my attorney. I have sent them emails telling them to close the account immediately and transfer my money back into the account I transferred it from. This is definitely some kind of scam. Buyer beware. Don't ever open any kind of account with this place. They suck you in with all of their good benefits as they call them and then freeze your account. My lawyer is prepared to seek legal action if necessary so I hope it's monetarily worth it to them over the amount that's in my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69ce0e91f1324e52bf821b8337d54422
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{"chroma:document": "I opened a SoFi Money account because I fell for everything they had to offer. After a week of using my debit card and making small local transactions (grocery stores, etc.) they restricted my account and prevented me from using all of my money. I called their customer support multiple times in hopes of an answer as to why I have been the victim of such an inconvenience, and every time they say that they have no control over why it happened, always blaming an \"inside team\" for the decision. I have asked for the number of this \"inside team\" to reach out to them directly and instead they insist that they will be calling me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b388a8f5813490f89f2934df8cfc13b
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metadata:
{"chroma:document": "I have money on my account and used my card twice and they restricted it. Now I stranded with my 2 yrs son cause I visited VA and I live in NC and can't get gas or a room and they said it's gonna taken 24 to 48 hours to review account. This is the worse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a36fe31ff1f3420294b2b6147619d6cd
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metadata:
{"chroma:document": "Signed up and they deposited my checks then turn around and tell me they need to verify me after the checks been deposited. So now they are holding my money and stalling because they are trying to scam me out of my money. Terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d90a7e27e124d569d9eb85459ecfde8
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{"chroma:document": "Have been extremely disappointed with Discover. I have never missed one single payment with them. On time over 2 years. I added a big charge on a mechanical repair that was unavoidable. I made payment arrangements with them monthly for a specified amount, and paid more than what we agreed to. They in turn did not keep their agreement. Be wary of Discover. They will reel you in and then cheat you. Posting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13791104c4b543bd96f12260e30d27b7
encoding: FLOAT32
metadata:
{"chroma:document": "Getting your money out when you need it is a most basic function of a bank. Discover bank makes it incredibly difficult if not impossible. They limit how much money they release perhaps because they are short of cash. I\u2019m out as soon as I can be. Their lack of physical branches is an epic failure. 5 phone people and a full hour and they still could not identify why atm access is failing. Pathetic."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90a111a4c1e44282b6c55cdbb489fe17
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{"chroma:document": "Please do not waste your time with this bank. They have vindictive customer service reps who will get back at you by sending your card to fraud suspect. I have American Express, Citi bank, Capital One, Wells Fargo, Bank of America experiences and none like this Discover card. They treat you like a criminal to have their card. They ask me to send a picture of me and a copy of my Driver's license. If I don't send it in to them they threatened to close the account. They can close it because I have not had to do this with any other bank I have applied for a credit card online. Totally a racist bank practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e00f94cd5f74b5ca2eeedf017f19c11
encoding: FLOAT32
metadata:
{"chroma:document": "I viewed my account online and saw that some unknown party stole over one hundred thousand out of my online savings account. No one appears concerned. This was my liquid money to live on. All this money is gone. They just let a criminal via ACH online transfer access my account and take my money. They just transferred my money out to some bank I never heard of to a stranger? They are unable to provide a statement for the Police? Beware, your money is not safe there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0896edd111e749b69509e2c10cbe8e3c
encoding: FLOAT32
metadata:
{"chroma:document": "Received an unsolicited offer from Discover 5% Rewards Cash Back w/0% Interest for 15 months. Within 45 min after receiving online approval, I discovered a 3% balance transfer fee, I called customer service and requested a stop to the transfer. Discover said they couldn\u2019t do that YET BECAUSE IT WAS A NEW ACCOUNT. Called back in 3 days said they still couldn\u2019t do it because I wasn\u2019t in their system. 7 Days later, they went through with what I asked them not to do. Cost me $120.00 and I cut up the card, paid them and full and bow to haunt them with negative reviews until the day I die\u2026 SCUMBAGSOBS!!! From a US Marine"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6339c3477ddd475f90243f6a397df447
encoding: FLOAT32
metadata:
{"chroma:document": "Discover Card is the least customer friendly and least customer focused company I have ever dealt with in 70 years. If you expect to be treated as anything other than a criminal, run from Discover as fast as you can. How Discover has managed to remain in business is beyond comprehension. Go elsewhere as fast as you can! After Discover solicits your business, they treat you as a criminal and demand all kinds of documentation to prove who you are a month after they issue you a credit card. They never have a supervisor available to deal with their canned response, abusive call center representatives. If you are an embezzler or a convict, Discover is the card for you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80a8929104df4cb7bea375c2c995d9f3
encoding: FLOAT32
metadata:
{"chroma:document": "The worst bank I\u2019ve ever seen. If you plan to open an account with this bank, first read this: 3 months ago I ordered a credit card from the Discovery Bank, and I was interested in the fact that they quickly approve the credit limit, the card quickly approved me, delivered in 14 days, but I could only use it for one month. Then I got a message that I had to confirm my identity with a notary within two weeks, or they\u2019d block my account. I got technical support and tried to explain the situation that I work 6 days a week and I do not physically have time to find a notary (Generally with such a request from the bank in the first). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 726bffd168dd429f83910a6440dc026c
encoding: FLOAT32
metadata:
{"chroma:document": "I had the Discover card for over a year and a half (unsecured) and despite NEVER maxing out let alone going near the limit, paying the balance off early each month, and keeping my debt: limit ratio under 30%, THEY CLOSED MY ACCOUNT! It was completely unexpected therefor I contacted them immediately asking what happened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c861d71a587439eb1442db53296ef25
encoding: FLOAT32
metadata:
{"chroma:document": "The worse worse banking company ever!!! 100 interest!! A month when you are paying your credit line is excellent and raise your credit line when you didn\u2019t ask them to!!! But charge absolutely insane rate!! HATE HATE DISCOVER!!! And fake advertising about your card being accepted everywhere!! They refused it in France, they refused it in Japan!! Awful and customer service is despicable! Never ever again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 362d7b140d5d46e4b50439cdc54b75eb
encoding: FLOAT32
metadata:
{"chroma:document": "Made an online purchase and merchant had put down wrong bill to address. Item was shipped to unknown location that was the same address they put wrong as billing address and never received product. Discover 4 month dispute denied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe55daffcbc84d58a13ab61210294159
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with Discover Bank for over a month now, and honestly it's been a pleasant experience so far. Customer care is really helpful and very nice to speak to when I need to call in, the mobile is well-organized, and beautifully designed as well. The checking and savings accounts are FANTASTIC! No fees at all and they offer so many products and great features for everyone. I have not encountered any issues this far, and don't see me having any issues in the future. Discover Bank has been absolutely phenomenal to bank with and I would highly recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fc1683e243541f6992b3ca7e171c9a9
encoding: FLOAT32
metadata:
{"chroma:document": "I took out a Discover Card in mid-May, 2023 to transfer a $4,000 Credit Care balance so that I wouldn't have to incur 27% interest on the full Care Credit balance of $11,000. I have until July 15, 2023 to pay Care Credit or else I get hit with this hefty rate. When I submitted the balance transfer through Discover around May 20, I gave them the wrong credit card number because for some reason Care Credit issued me two, but I didn't know that. I received an email from Discover on May 31, 2023 that the balance transfer was complete. I decided to check my Care Credit account and guess what? There's still a balance! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cd671e1b4c24faaa2ad158ae8872259
encoding: FLOAT32
metadata:
{"chroma:document": "Account Frozen due to an error on their end. Bill payment submitted for ConEd was mailed to my home instead of the business. When I called to ask what I should do, they froze my account with the reason \"cannot verify identity\". I was transferred to the fraud department, where I was asked to upload documentation. I explained this put me in a tough spot, I was asked to call an hour after upload. A day later, the account is still frozen bc there is an issue with my enhanced driver license issued 2 years ago and no additional explanation other than, one must wait a minimum of 2 days for the coach to review it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 476852cf6720495d9a9d1c63f474e3cd
encoding: FLOAT32
metadata:
{"chroma:document": "I used to trust this company, though I never had many issues to show they would take care of the customer. I've been fighting with them for six months to dispute a charge for a Kirby. Originally they refunded me until Kirby finally came to pick up the item (five months after I requested them to) and they recharged me. Now for four months, I have been asking them to refund me since I no longer have the merchandise. They only will if Kirby authorizes it, doesn't that define why I need the dispute? This goes against the FTC's cooling-off rule. The company has their equipment and their money and Discover did everything they could to help them out. I can't wait to cancel this card after 15 years of business. You simply can't trust they will follow the rules. I will be submitting Discover to FTC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5b9458af27040348bd8fd25838eafb2
encoding: FLOAT32
metadata:
{"chroma:document": "I applied and was granted a Discover Card. I Called in when I got it to verify receipt and then proceeded a week later to do a balance transfer. The gal on the phone said it was all taken care of. A week or so later I get a letter that says we need more information from you. This is AFTER they issued and sent me my card. I thought that was strange but gave my SSN as it said they needed to request my Tax Returns for the last two years. So I complied. Another week goes by and now they want me to take pictures on my cell phone and take a snapshot of my License and send it to the link they provided. So I did that. Once again... Why was all this AFTER being approved and getting my Card to use?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11c52fb6100649c8920bf40be5d3c021
encoding: FLOAT32
metadata:
{"chroma:document": "I just created an account so I could review this experience. I got a credit card with Discover to get two promotions, balance transfers and purchases (0%APR 18 months/6 months). Is a mess. So, there is no way to control where do you want your payments to go. Every time I ask for clarification the responses are scripted and vague, creating a lot of confusion. I am trying to pay off my purchase balance and I was asking the agent how much I would have to pay to pay it off. She responded that she was not able to provide an official quote. I ask to speak to the supervisor and she apologize saying some of the information provided by the agent was \"INACCURATE\"! And she further clarified that any amount above the minimum will go to the APR that expires first. HOWEVER, when ask about how much I had to pay in order to pay off my balance she said the same thing, that she was not able to provide an official amount!!?? WHAT!!! Who then!???? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c77766d054f4d859a0a102eee448c21
encoding: FLOAT32
metadata:
{"chroma:document": "This Company pretends to be a good Company, However in my experience they are not, they violated my Consumer Protection Rights by calling me 13X's day over a late payment, when I filed a complaint with the CPB, some rude man from Discover was all over it, stating to me that they had not called when I pulled up my call logs from my cell phone provider, he said to me \"they could have been \"spoof calls\" **! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb41c4bbccad41f5afc68d836a0ff5a1
encoding: FLOAT32
metadata:
{"chroma:document": "On my discover card I have pending charges, they are already posted and still in the total of pending and on the total of paid charges. They are not updating the payments correct, they are not updating anything correct."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2510b76970ca4b27b9d11fd7a61eb3fc
encoding: FLOAT32
metadata:
{"chroma:document": "AVOID DISCOVER BANK ACCOUNTS. Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 282e52f5607e4b10af1473f30e0e291f
encoding: FLOAT32
metadata:
{"chroma:document": "A decade ago I lost my job and couldn't pay my bill. So Discover send the hound dogs. WELL, a decade later because the collection agency didn't collect all the money they are filing a new judgment. Mastercard and Visa wrote off the balance of the debt. I had always paid my bills but hit a hard patch. I now have a credit score over 800 and plenty of available credit because I paid all bills in full every month. The letter from their collector was sent to my ex-husbands address and I wouldn't have got it if he hadn't forwarded it to me. Never again Discover! I have plenty of credit without you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 450b4362ebf441e28ee4e15e1670f3d4
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Discover IRA CD mature Last July. Discover Bank sent a check to my IRA stock account, so I bought 4 different stocks with this money. The Discover check then bounced. I contacted Discover Bank numerous times over the next few weeks to no avail. My stock account after 2 weeks was then required by federal regulations to liquify these stocks and not allow me to make any other stock purchases for a number of weeks. After this, Discover finally sent a replacement check. I also had to work with our state\u2019s Attorney General for Discover Bank to reimburse me for the extra expenses their bounce check cost me. I would never again use Discover Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 275c279458964fa0bc1bc32db7ee72da
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for Discover it credit card. Approved for 8K line of credit and 4K interest free 18 month balance transfer accepted. Paid transfer free used card a couple of times over 2 months. Suddenly I receive a notice that I must fill out some detailed form and have it notarized to verify my identity. They suddenly decide they don't know who I am after they approved the line of credit. Really stupid, that is a requirement that I refused to comply with since I have had a good credit rating over 20 years and if you don't know who I am you should do that during the application process. They closed the account which is fine, I now have 16 months to pay off the balance transfer interest free. Do not recommend Discover card, very stupid company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77408cd1732b462ba600559268d60d0c
encoding: FLOAT32
metadata:
{"chroma:document": "Worst card to use for Balance Transfers. If you have balance transfers with different expiration dates, any payment over the minimum payment will be applied to the transfer that has the latest expiration date. Not the earliest expiration date. This of course does not allow you to pay off a transfer before expiration date. This allows Discover to then charge the full interest on amount of older transfer. I wanted to pay my oldest transfer off, but was told only 116.00 of my payment would go to the oldest transfer, and the rest would be applied to the transfer that expires in 2024."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62c970d3f18f486b96ea5ba36f7a6711
encoding: FLOAT32
metadata:
{"chroma:document": "Beginning in 2023 I applied for Discover credit card. While in the process I discovered that they had put a fraudulent claim on my application for false information. I had to report them to CFPB. They did respond by sending me out a new card account. Lo and behold when I tried to use it for an purchase 160.00 online order the card was declined that informed me that they was monitoring the cards transaction. I never seen a big company stoop so low???? Beware of any credit line or Banking with this Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 801135d8fbce408ba4ff7ea8808fc6bc
encoding: FLOAT32
metadata:
{"chroma:document": "I had a situation where my wife lost her job so my wife and I naturally needed to look at our finances and reduce spending where possible. We looked at the Discover bill and saw a lot of excessive activity from Doordash we knew nothing about. Our daughter had used the card some in the past but she stopped using it when she had been told the card would be deactivated.  It occurred to us our account information my have been stolen. We went on the discover web site and initiated a freeze on our account. We received an email from Discover confirming that the account was frozen.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91b18f9def6848d1a7f088b557b0ae1f
encoding: FLOAT32
metadata:
{"chroma:document": "When I first opened a bank account with Discover, I was hoping to get the best due to their ratings with their credit card agency. Unfortunately, the account was far from excellent. I have used the debit card maybe 9-10 times. Of those uses, roughly 5 of them caused my account to freeze. These are normal transactions. After many calls and complaints, the bank keeps freezing my account on almost every use. Today, I received an email stating there was an issue with my account, again. I called the number and was transferred three times to varying personnel only to be told that Discover closed my account due to a company decision. No other reason was given, it was just arbitrarily closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dcf5c6392d44a04970f8333b83da837
encoding: FLOAT32
metadata:
{"chroma:document": "Credit Karma said I had an outstanding approval to receive this card. My fico score is 729 and I thought this would help my score by adding another card. I have a very good salary and low rent to say the least. I was denied for some unknown reason and because of it my fico score was dropped by 7 points. I would not recommend applying for this card as it is not what Credit Karma says it is. I was hoodwinked. Will never consider this company ever again. By the way I have 100% record of payment on all cards, loans, cars and harley motorcycle in which all but two cards have 0 balance. This is with 10 year history. Think hard before you apply."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc682264ecc64f7e8b878ad816d3789e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal Discover card account holder for many years with no issues. All of a sudden I received a call that they need access to my Irs document to maintain my security. If they don't receive the authorization to get them they would close my account. So in order to secure my identity I had to give Discover, Experion and some online signing company access to more of my information. So I called to cancel the card and the customer service representative didn't even care about it..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36a43df3844c4ebd91668fb5a6c5efc6
encoding: FLOAT32
metadata:
{"chroma:document": "I had to close my CD account because I needed funds to take care of my parents who moved here from the Ukraine. Because of the war, they lost access to their pensions - they are just unable to access their accounts. They are in their 70s and don't speak English, so they cannot work here in the US. I asked Discover to waive the early withdrawal penalty for my account closure - they refused. I have been with Discover for a long time and always had great experience with them. This will definitely turn me away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: daa8da2284044dffb1e556672cfd486a
encoding: FLOAT32
metadata:
{"chroma:document": "Don't expect Discover to have your back like your local bank does. I've never had a problem with fraud charges not being removed until I started using this card. The dispute I filed should've been an open and shut case with the proof I sent, but instead they marked it as a valid charge and added it back to my statement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9e9daaeaa07488b966800f3af0390be
encoding: FLOAT32
metadata:
{"chroma:document": "Discover has held onto my money on multiple occasions saying they are experiencing a \u201cdelay\u201d in their transfer services (or whatever the problem is), so in the most recent case, a wire that was supposed to go out in one day has taken 4+ days and they will not give me any helpful or valid answers. They play the same old games with holding funds as long as they can, lying about the reasons for delays, and waiting until payments post first before releasing deposits so they can charge fees. Their customer service is not helpful at all. If you are working w/ large amounts, go elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7215aae7a4254e108b77070eb4718a43
encoding: FLOAT32
metadata:
{"chroma:document": "Transferred funds from my primary bank to my Discover savings. Transfer was completed, but my savings was never credited. Requested dispute and funds were credited back to my other bank. Discover then debited my savings even though they never credited the account, so they took funds out that were never put in. Had to request another dispute. Was told my acct was frozen at the time of the transfer, the transferred funds were in an ACH (Automated Clearing House) and I'd have to wait up to 10-days for their decision. If they can't find the error in 10-days, they may take another 45-days. In conclusion, Discover Bank sucks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb800ab7635b4f7c9273301280120e6b
encoding: FLOAT32
metadata:
{"chroma:document": "My mother has had a CD with Discover Bank for 2 years. It became mature on October 17, 2022. As I hold Power of Attorney, I decided to cash in the CD for her care costs. I wrote a letter to Discover, I filled out all the forms correctly, I obtained a note from her doctor saying she cannot handle her own finances, and a copy of the Power of Attorney. I mailed all this through the USPS with tracking. Meantime the CD matured and was rolled over for another 2 years. I mailed the documents well before that date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f83df226520c4f68ad30d8b36342bff2
encoding: FLOAT32
metadata:
{"chroma:document": "Since July 2022, I have been attempting to get my Custodial Account individualized. I have called at least 8 times. Wasted numerous hours attempting to upload documents....and always something missing. Continual apologies with absolutely no follow-up unless you call. When you reach customer service all you get is scripted apologies and excuses! DO NOT BANK WITH THIS COMPANY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 686b280dfb974cadb15cd100d210f7f8
encoding: FLOAT32
metadata:
{"chroma:document": "Decided to open a high yielding savings account. Completed forms online, had $6000 dollars transferred to account. Next day get confirmation of account and money in it. The very next day (day 2 of having account) I was suddenly informed due to fraudulent activity on my account it was frozen. They will not disclose any information on how on earth you have fraudulent activity on a savings account. Only been informed my account is frozen/closed and my $6000 is theirs for 2 months!! I have to wait 2 months before they will give me my money back for an account less than 48 hrs old. What a joke!! Don't waste your time or money on Discover!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 130fac43f5b44c219ef1f0b4537d232d
encoding: FLOAT32
metadata:
{"chroma:document": "I opened the savings account using the online form at discover.com. After submitting application I was asked to upload documents to verify my identity using notarized identity verification form. I filled in the information using my US passport and got it notarized. I uploaded that information along the picture of my driving license on 9/9/2022.  I did a initial deposit of $$$. Discover then locked my account and asked me to call them. I called them and they said my account is now \"under review and their is no timeframe to complete the review\". I have called them several times go the same answer \"account is under review and their no timeframe\". The bank is allowing me to deposit the money but not allowing me to withdraw. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba2b120abcda4540938445d5a0bc13be
encoding: FLOAT32
metadata:
{"chroma:document": "So I opened up a savings account with Discover that I had heard so many so-called great things about them. I was trying to get away from my other crappy Bank First National Convenience Bank of Texas due to financial issues with them and was recommended discover. Just to have them close it 3 days later with no explanation to why what happened. Told me it is a business decision and that I would have to wait 60 days to receive my money in a paper check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0874b6534f784bf39c534a193f716f5e
encoding: FLOAT32
metadata:
{"chroma:document": "Do you enjoy listening to \"hold\" music for hours? (Maybe weeks) Do you yearn to talk to someone from Salt Lake, UT? Do you like surprise account freeze so you can't bank anymore? (Even after 30 days after opening it) Do you enjoy repeatedly explaining your issue to many different people? (People from Salt lake) Then my friend this is a bank for you. You won't be disappointed. There is no other like it. Take it from my experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc5ba18e5f7d4ccebf2f93a6147355cc
encoding: FLOAT32
metadata:
{"chroma:document": "When opening an account with Discover, if you work at a place that only does checks, just go with a place that has in-person services. Because they will hold your money for over a week and screw you over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e855aa8fac2e4be5a834d59c342d39f7
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a checking account with discover in May and deposited my government paycheck at the end of the month, Discover (being the crooks they are) claimed the check was fraud and totally seized my funds and closed my account. I lost all my money and they refuse to give it back. Do yourself a favor and stay far away from this sham of a company, if you have to bury your money in the back yard then that's better than banking with discover! I've been fighting with them for 3 weeks now with no resolution, I don't understand how it's legal to take someone's money without any probable cause. I also don't understand how they are still in business, they are 100% involved in organized crime. Why else would they take people money away? These people are total crooks and they deserved to be sued and shut down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91306f2f4f324ae5b0448ec3cd657c84
encoding: FLOAT32
metadata:
{"chroma:document": "Systems from the 90s - Discovery is a complete joke. I have both credit card and Student Loans, and they have all my information. I tried to open a savings account, and first, I can't use my Credit Card account, which is already insane. Then, I fill up everything (all information is correct, I've submitted multiple applications and checked it all several times), yet Discover will always prompt me to call them to \"finish this together\". I've spent over an hour in calls, and customer service is unable to figure out why my application didn't go through. They've cross checked all sorts of information and wasted my time on several occasions, and still didn't manage to make it work. What a joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e737cb47056f4067b05f4d28aeb861f7
encoding: FLOAT32
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{"chroma:document": "Very bad experience with Discover. Yesterday I made a wire transfer request and discover told me they would call me in 24 hours, if they need additional information from my side. So I was standing by all day long. Today I called them to check the transfer status, discover told me they need my confirmation to process the transfer, but nobody contact me while I was waitting for their call!! And the wire transfer is just paused there!!! The worst part is today I discussed with the representative if they can do something to speed up since we already waste a whole day, she just left me on the line for almost one hour without any response!!! Seems like discover do not take their customer seriously, the way they treat customer is rude and irresponsible!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dd484844ce94b958414bcc75d49ef2c
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{"chroma:document": "I bank with this company and I have the most onerous and frustrating experience ever. I had to pay money to a government country department and due to time sensitivity, I was only given 3 business days to process the payment. At the time being, I was unaware of wire transfer which can deposit money almost instantly or same day but I didn\u2019t know that so I elected to try a cashiers check option first which turned out to have not been able to make it on time anyway. Long story short, I asked the bank to cancel my cashier's check and was advised to send it with the word VOID written across. I then proceeded to upload the check back to the bank system for evidentiary purposes that the check indeed did not get deposited and I ought to receive the funds back to my account. The VOIDED check image was received on Monday and I was told that it will only be a couple of days before posted without anyone gave me more clarification since."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1e64164b5c842b7a5a8f6813952a937
encoding: FLOAT32
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{"chroma:document": "I left my bank of 30 years last week to give Discover a try because they had a bonus going on and had good interest rates for their savings acct. Well it has been a week of hell consisting of at least 15 contacts with the company and their workers to fix a problem they created. I also had to call, email and chat w my current bank to inform them to protect me Discovers' predatory practices....."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ad9744cf0d24281a0882b18f9c6c68c
encoding: FLOAT32
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{"chroma:document": "For an int. Transfer of 400USD I was expected to pay 150 USD for taxes, overtaxes, security etc. At the first contact it was requested to open an account at offgamers and deposit 50USD which would be refunded. I did but got not my money. You have to pay now 100USD for taxes and overtaxes. What? For an online transfer? What a bad joke! Just a rip off - strongly NOT recommended!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 830340db9b9e4edeb3c6ad9a6cc9b18f
encoding: FLOAT32
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{"chroma:document": "I have had a Discover bank online account for several years. They have one of the highest interest rates for savings accounts and cds. Their customer service dept. is very responsive, helpful and courteous. They also keep me up to date on my accounts via email or regular mail. I would highly recommend them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce962872b95446f9b2de1f0e80d14963
encoding: FLOAT32
metadata:
{"chroma:document": "Location of the bank is convenient. Employees are very friendly & Courteous. The bank is very clean, and the management is superb. I recommend this bank highly to everyone wishing to do all kinds of financial transactions.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edd2a78eb95948a58abaa584657b130b
encoding: FLOAT32
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{"chroma:document": "I was skeptical about opening an online bank account, not knowing if they were safe. However there was a really good promotion to open an account so I decided to give it a try. I absolutely love Discover Bank. While interest rates are not as high as they were when I opened my account I still like the bank and highly recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e48cfd5d8d647089c002b298860e7eb
encoding: FLOAT32
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{"chroma:document": "I have a CD coming to maturity and so when I tried to log in to my account, I couldn't because my phone number had changed. I was instructed to call the bank and when I did, they told me I had to send a copy of my driver's license and social security card! Really?? I have accounts with other online banks and Discover Bank is the only one that has put me through such time consuming measures and outrageous procedures! My account is still frozen and they won't let me give instructions for what I want to do with MY CD!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8c36469b35d4c89b26784449319788e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with Discover bank saving account for 10 years. I moved and changed my address today. Discover sent me an email indicating they will send confirmation to both old and new address. Why would they send a letter to my old address with someone else living there? Aren't they supposed to protect my privacy and security? By sending address change letter details to my old address they are putting my privacy and security at risk. Other banks don't do that so why does discover bank have this outdated protocol. Called their customer service and they said it's system generated and they have no control over it. Horrible/worst decision to bank with these outdated online banks. Run aways from these banks who put person\u2019s identity and security at risk by sending mails to an old address. Going to remove my funds from this bank shortly and take my business elsewhere where my privacy and security are safeguarded."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19432bf4b7fd431ebbf628021284b542
encoding: FLOAT32
metadata:
{"chroma:document": "I find myself often getting riled up when I run across a terrible company, but rarely share the same exuberance when I find a gem. Discover's online bank is one of those gems. I opened an account about a year ago, and cannot be more pleased. Their high interest savings account is just that, maintaining interest rates far above the average 160x higher than the savings account I used to have. The checking account, while not interest bearing, is efficient and I have yet to incur ANY fee. Not one fee! I get 1% cashback every month like clock work simply for using the debit card. Needless to say, I pay every bill with the Discover debit card. The website is clean, efficient and easy to navigate. And if you do have a question, I challenge you to call them and be disappointed. Kudos to Discover and I recommend them to anyone that does not need to visit a brick and mortar bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 663cd2563a0e473ba941381afb346341
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service so far. Waited on hold for over 3 hours to speak to an human after being hung up on TWICE. Was told sorry for the inconvenience! 3 hours of my life after a long day at work is MORE than an inconvenience after someone tries to wipe out your life's savings! How is it 24/7 customer service if they aren't there to speak to you when a criminal is actively taking money out of your account!! Sorry isn't good enough when your life's savings are at risk."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0ea5a3870664966abef0f23b24d033e
encoding: FLOAT32
metadata:
{"chroma:document": "Discover Bank pays 100 times the interest paid by Chase on Savings Accounts! While Discover is by no stretch of the imagination as large or as internationally experienced as Chase they more than make up for it with Customer Service. You might have to be a little insistent, but unlike almost all organizations, Discover will come through and solve issues. This is HUGE. I had an issue with a wire. After 2 or 3 calls Discover fully stood behind me and solved the issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 251bba3b565141cfa481ebf82d43a0d6
encoding: FLOAT32
metadata:
{"chroma:document": "Discover lured me into opening a savings account in addition to my card account, savings account got hacked within days, picking up 8K from my account by phony transfers. They gave me money back but it was awful experience, knowing the fact that Discover did not even know the account was hacked, I noticed it through App. I would give them zero stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7395b40145454044a544a5d5901acaa1
encoding: FLOAT32
metadata:
{"chroma:document": "I was attempting to pay financial bills and was receiving payment not authorized, when I call the bank they stated maintenance being performed. When I asked for next-level support I was given a song and dance, after several requests the cs rep provided me next-level support who stated they were sorry and offered no resolution. Very poor service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e701a95064649f1a7baadcec7f47afd
encoding: FLOAT32
metadata:
{"chroma:document": "Discover has policy and procedures dated 1950's. They seem to send me refund check on Sep 3rd-with no tracking. 2 weeks later I call them, told to wait entire month to see if I get a check. Called on Oct 3rd again, they say the process will start again- take 20 days to put stop payment on old cheque-SERIOUSLY? And they will send again in normal mail. Call back after month- they said they dont know when check will be sent out. Wait another week and we will start process again SERIOUSLY?? There is no escalation authority beyond supervisors who just keeps chanting same thing over and over. If Discover can't manage customer's cash, they should take it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97890e3c4b514d2ea72eb211b6f3fb85
encoding: FLOAT32
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{"chroma:document": "I have not received any statement from them after June 2019 (today is October 04). I need September a bank statement to prove to my mortgage company that I have sufficient funds in my account. I am calling almost every day and I sent an email yesterday evening. What I am getting is just promise that the statement will be available, but nothing moves. I think they are deliberating doing this to me as they are now aware that I am not going to use that money elsewhere. So they want my mortgage to fall through so that they can keep my money!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ba4a5ed235c4eb0b899344b45932971
encoding: FLOAT32
metadata:
{"chroma:document": "This company is terrible. They took an extra $10K out of our account their mistake and then took 2 weeks to return it and that was after many phone calls. They are a ripoff. This money was done by an ACH transaction even though we had written a hard copy check. It came out of an interest bearing account so it cost us while they used our money to make money. My wife and I both had separate accounts since the 1990s which have been cancelled by us. Do not recommend unless you want a lot of heartache and aggravation if they make mistake. They can take a payment out in 24 hours of receiving a payment but it takes them the best part of 2 weeks to refund their error. My opinion they ripped us off big time and will anyone else if they get the chance!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bee3371ec0444f08a70dfa1c70459a06
encoding: FLOAT32
metadata:
{"chroma:document": "I recently opened an online banking account because of the interest rates. I was nervous at first about leaving the brick and mortar bank but after research decided it was safe as my funds are insured. Really glad I did it now!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37b88c05405d47b4aa2b1bb9e3609da2
encoding: FLOAT32
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{"chroma:document": "I've been using Discover Bank for over 5-6 years. Even though they discontinued the cashback program for bill payments, they still offer a solid choice among online banks. Good customer service, easy transfers between internal and external accounts, nice website layout. The only slight minus is the frequency the site is down for maintenance, usually 1-2 times a month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6e19d163332444eb11d668ae9f753b9
encoding: FLOAT32
metadata:
{"chroma:document": "Discover Bank offers excellent interest rates. Customer service is very good and any issue is resolved very quickly. I have been banking with them for about 6 years and would not consider going elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 115740f0942043dcb5f147dedd03b07d
encoding: FLOAT32
metadata:
{"chroma:document": "The interest rates are very competitive. The website is easy to use. Customer service via telephone is also very efficient. Communication from the bank is easy to understand. Closed accounts are paid quickly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c332e43e5434498a2bed0a2ec55c038
encoding: FLOAT32
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{"chroma:document": "I became interested after being sent a promotional letter offering $500 to deposit $15,000 and leaving it in the account for no less than one year. Along with the incentive of $500, the interest offered was 2.10% which has gone up since then. That is over 10 times more than a savings account and is doing better than a few of my long term investments. Discover is very reputable and their communications and customer service is great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4812474ffa443309c8e56b400a4aae7
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{"chroma:document": "I think Discover Online is a great banking institution with great rates on their savings and CD accounts. I have transferred money back and forth to another institution and it is always timely. The few times that I have needed/used customer service, I spoke with an actual human, which was great! Reps were very professional and my issue was resolved. I hate giving a five rating because I believe there is always room for improvement, but Discover is pretty darn close to perfect for my needs. I have already referred other people. Also you can establish an online beneficiary!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ac2769fc73142f89a6fe4d1b4bb928c
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{"chroma:document": "Seamless banking. Excellent web portal. Competitive interest rates. I've been using Discover for a few years now and have had an excellent experience so far. It would be good to have an app as well, which I believe is not currently available to be able to conduct mobile banking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6eebc8dad0354664af2c70781a916114
encoding: FLOAT32
metadata:
{"chroma:document": "Remotely deposit checks, transfer funds from / to my local bank. Decent interest rate. Whenever I've had to call to talk with someone, they're always in the US somewhere, very helpful, and easy to understand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 978abf6dd8a34788911a26b70596dd76
encoding: FLOAT32
metadata:
{"chroma:document": "They all have their pluses and minuses. The overall best comes from Discover Bank and Synchrony Bank. Discover provided me with a debit card, a checkbook, CD's and a money market. The customer service is top-notch and the interest rates are some of the best along with the rewards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfe1ea2e24ba48838b466a0cf6b2c2cf
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{"chroma:document": "I signed up for the cash-back checking because who doesn't want cash back? Also, only positive experiences with Discover credit. I switched my direct to this Bank, but of course it takes a few pay periods to kick in. The first of the month rolls around and I stupidly decide to write my rent check from my Discover account thinking that I could just easily deposit my paycheck. I go to deposit my check and getting message that most of the funds will be held for a week and a half. No thanks. So I deposited my check into my other checking account figuring that I could just transfer the money over to cover the checks. Well, I had no luck with that either. I couldn't register the account with PayPal. Couldn't register the card with Google pay. I called discover about this, and was told that the companies were trying to make withdrawals which were rejected by the bank because there was no money in the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was looking to open a savings account with a reputable bank, good interest rate and phone app. I found Discover had a $200 bonus, clicked their link and read I had to deposit $25k by a certain date in order to get the bonus. I must have missed entering the promotional code somewhere - could be my mistake but that is not my complaint. After my acct was opened, before I deposited my money, I called in to make sure I would get the $200 bonus and the rep ensure me my account would be all set and I would definitely get the $200 bonus because they know my acct would qualify for it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was very happy for MANY years, but when I opened a checking account OMG!!! It's a different department and it's NOT wonderful! Nothing is done like any other bank in the entire world. Their rules and regulations are created to an excessive extreme. I feel like I've been through the ringer with the CIA. They send Emails that sound like the next step will be easy, BUT they NEVER address the reason why you contacted them in the first place & don't explain what steps you have to go through & all the INTENSE security hoops they make you and your co-signer to jump through and then having to go through their \"Security dept\" and then after being tortured by that department, they transfer you to ANOTHER department to go through most of the same questions. The intensity is WRONG!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Every single time I have called them they answer in under 2 minutes. They are very professional and helpful. I have switched to Discover for all my banking and have not had to pay any fees in years! Not to mention they have some of the highest interest rates on savings accounts and cash back on debit card purchases. They really go above and beyond for the customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd7fb5abebab42eab6b82064b2f1f059
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{"chroma:document": "After several years of only minor problems and good service, they've turned into liars and cheats. They just tack on balances $$$ with no explanation at all. Try to hide it behind unnecessary steps, and they stopped posting account balance with each transaction. Online CS is a waste of time. They try to delay or lose your payments IF YOU MAIL THEM IN. I think their system was HACKED but they're still trying to operate with damage data. Often their computers go down and doesn't show them your account details. CS will fake it on the phone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 606e2b82527e4af9b78bb7713bc6837c
encoding: FLOAT32
metadata:
{"chroma:document": "I keep making payments on phone and on their website but they always come back and say \"it's rejected\". Truth is they never send the payment to bank. I inquired and bank told me they haven't received any transaction by Discover!!! Sucks Big time! Takes my time energy and of course mess my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f38c283c21a3499fb8b987c26cdd8766
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{"chroma:document": "I have had an account with Discover for some time. Today I tried to transfer money. Their website didn't work. They shifted me first to a tech advisor, then finally to a supervisor. After 40 minutes, we got it to work - sort of. But I couldn't transfer funds! They sent in a trial deposit! I will have to wait to transfer funds, but now want to get them all out of Discover. Find another place!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4284d6ec3e9a476ea5b17f6b95316530
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{"chroma:document": "My Dad passed owing this company $800. He had paid $7,200 off. The account got passed on to the estate collections agency. I received a call 2 weeks ago, a call last week, a call this week, a Creditor's Claim letter and a letter saying that they would give me a \"hardship reduction\" if I pay by the end of October. The woman who has been calling demanded payment. She said they'd give me a short amount of time to pay them $405. Then the offer would expire. I explained to her that there is very little money. I need it to pay for the administration of the trust. The only other asset is the house. I'm living in it. SO, what do they expect? That I sell the house right out from under myself just to pay them? I do not appreciate being hammered on by someone else's bill collector or threatened either. MOST OF THE OTHER COMPANIES are writing the debt off. Cut throat Discover."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a65bfae1fb94839beb332badc3c30e2
encoding: FLOAT32
metadata:
{"chroma:document": "I received a check from Discover which was returned to my bank in the amount of 7500, which has cost me extra fees in overdraft charges. This awful business and I will not recommend them to anyone for service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc2992e2dd37454a84822df014ef3225
encoding: FLOAT32
metadata:
{"chroma:document": "I've never had a Discover card in my life but about 8 months ago Discover said that I owe them $2,000 that someone transferred money from Discover to my Wells Fargo account. Not only was it not me but this WF account has been closed for two months. But I still had to pay for it. So I paid it. And now a few days ago Discover tells me that I owe them $3,000 for the same reason that someone transferred money from Discover to my Wells Fargo account that has been closed for almost a year now. How could Discover allow the same thing to happen twice? I think they made it happen twice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffd644b3b6ac4f5fa48096bad22f5774
encoding: FLOAT32
metadata:
{"chroma:document": "Discover Bank will not honor the promotion for new online saving account saying that either this promotion was valid only for existing credit card customer or they will say that you applied by mail and this was only online promotion or they will say your account was opened after promotion deadline. They will give you one or other excuse not to honor the promotion even if you fulfilled the criteria. Worst bank ever I have dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba59c008e3a8443ba22b0fb1113d41c0
encoding: FLOAT32
metadata:
{"chroma:document": "This is a horrible bank that has no idea how to train their employees and treat their customers very poorly. They give out bad information when you call them and then blame you for this misinformation. I would not recommend them to anyone. Aside from the terrible customer service, they hold check deposit for way too many days and that results in them getting interest off your money and not pay it back to you. Also they claim that they make $200 available to you the next business day after deposit of the check. However, you will NEVER see that in your transaction history and you do not have access to that money."}


created_at: 2023-11-04 20:04:30
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id: 77be7b96e3ca49c786a9983827dfd324
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{"chroma:document": "Make any request to Discover Bank and you will get the standard, it will take seven to ten business days to respond... (English Translation: TWO WEEKS). I requested prepaid deposit envelopes over two weeks ago and still have not received them. In response to my request for prepaid deposit envelopes, I received, over two weeks later, deposit slips with my name misspelled on the correspondence. I have had an account with them for fourteen years. I have three accounts with this bank and as quickly as possible, I am going to cancel them all!! This is not the first time I have had difficulty getting even response to even the most rudimentary requests. They need to change the title of their customer service to Cuss service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a36a21f6107e4f8296eff5c635505acc
encoding: FLOAT32
metadata:
{"chroma:document": "They did not honor reward $100, I had balance 15k as the promotion deal required. In the end, they argued 99 cents in 15k wasn't my \"deposit\", it was interests, that doesn't count. So they refused to give the reward $100. Very deceptive business practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4f89c23301c44f7a1fe658e8b8f6433
encoding: FLOAT32
metadata:
{"chroma:document": "Never get a money market account here, stick with credit card. The only thing the market account does is pile up fees forever, even after you close it. So keep the confirmation and letters of closure because you may be notified years later of negative balances and you better hope the customer service left a note on their side. I closed my mm account last year and got an email this year saying I need to put money in account or it will be charged. The account balance became negative 50 and luckily the service rep said she saw I tried to close it so she closed it (I assume) so waiting for another letter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ae2cb62f42948329ae3993ce746fd34
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{"chroma:document": "I\u2019m a new credit card holder. I was interested in a balance transfer. It is offered right after you get approved when you don\u2019t know your credit limit yet but when you register and have an access to all that information that option disappears. Customer service was not able to help with that either. Customer service representative admitted that I\u2019m right but nothing can be done at this moment. Such a waste of time due to bank error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fab747851b340e5bafe2e8df675476d
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{"chroma:document": "I opened a Platinum Savings account with CIT and transferred a decent amount of money to the account from another savings account I have with another bank. This was done approximately two weeks ago. CIT took the money out of my other account within one day; however, as of today my money is still not showing on my account as available balance. This should be against the law. They are holding on to my money for almost two weeks now. I was planning on transferring more money to this account, but there is no way I will do that now. It is unacceptable. Do not open an account with CIT Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21dd646bd86a47bfb4b535a07547723e
encoding: FLOAT32
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{"chroma:document": "We have had a loan with them for 2 years. We have been members for about 15 years. No one will call us back about our title on our truck. We have called. Left messages with Gina. She never calls us back. When I reached out to the branch manager. We received a email from her just saying, \"Oh is this your email.\" Yes it Gina. We had the same email the whole time we have had the account with you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5d4d7a68711493aacb8052685bbf72a
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{"chroma:document": "I financed my 2022 CRV and unfortunately it was totaled. The dealership fixed their part but the bank refused to help on their end. The dealership took a while to cancel the extended warranty and the GAP they sold me didn't want to pay off the remaining balance after my insurance. I\u2019ve never been late on my loan payments. I\u2019ve always been early and paid extra. But for 4 months, the bank reported me delinquent to the credit bureaus and my credit dropped over 100 points. I've called, emailed and even the dealer called and explained the situation, but the bank refuses to send a notification to the credit bureaus to fix the delinquent reports. On top of this, the person I spoke to on the phone had the nerve to ask me if I wanted her to get me pre-approved for another loan. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dbf1c606f2f4fc881a98ff1644a05ca
encoding: FLOAT32
metadata:
{"chroma:document": "I have used many banks, all the big ones. None have come close to the outstanding service at First Tech. Their employees are great as well as their products. I have now moved all our money to First Tech."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f616df98cfb84aad9068b68c4af11021
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for more than 20 years. There is always a live person to answer the phone if I have problems. They will call me to check if it looks like there is fraudulent activity. They are very good about helping me on the rare times that I have to contest a charge. If I don't call them first to tell them I will be charging something expensive, or I will be using the card out of state, they call me to check before accepting such charges. Their security is extremely vigilant. If the card doesn't work for some reason such as at a gas station, there is always a live person I can call who will fix the problem. They do have a rewards program, and I can redeem points for a prepaid card I can spend on anything I want. If the card is lost or compromised they are very good about giving me a new card at no charge. From talking to friends and family, I know this company is far above most credit card companies in customer service. I highly recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 015895627b12402aabf67939b98d0bfd
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had any problems with this organization. They are polite, considerate and quick to offer support. Using them I am confident that my information is safe. Also they have several types of cards like cash back or rewards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1787ea43b624e989d4ef19a38cc0a04
encoding: FLOAT32
metadata:
{"chroma:document": "TCF bank is trash. All the years I been with them and have opt in to overdraft and cover my payments same day. They didn\u2019t pay out today and they cut atm cash deposit at 8 pm and that doesn\u2019t work for me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5897c6e613a74c819b0f6b42c2a60752
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had any issues with a bank until I opened an account at TCF. I had high hopes, especially since using this bank would be very convenient for me. Time and time again, I have been let down. If you want to be with a bank who cannot meet their own deadlines and penalize you for things out of your control, then TCF is a great fit for you. Almost all their employees lack expertise. They cannot answer simple questions or figure out what may be causing account issues. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d23a1bc1dca427ba907b39fafe1773c
encoding: FLOAT32
metadata:
{"chroma:document": "Someone made fraudulent charges on my account so of course I called to deactivate my card so that I can receive a new one. They made me reach out to the company itself since I've done business with them in the past. The lady asked if I wanted to have my new debit card sent to me. I told her I would rather pick up a new one at a branch.. I waited until Monday because of course they are closed on Sundays and when I get there the guy told me that they no longer print out cards at the branch and this has been a rule since February 2021. Why was customers service not aware of this? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 021101fc8db741b5be247cbdb8598a11
encoding: FLOAT32
metadata:
{"chroma:document": "I reserved my 17-night stay (June 28, 2021-July 15, 2021) with a third party Orbitz.com as I have used this vendor before. I prepaid June 28, 2021 ($1248.65) at 1pm online on orbitz.com for check in on June 28, 2021, any time after 3pm. I arrive at mainstay suites in Hoffman estates IL a little bit after 4pm and the gentleman\u2019s name Dan who was at the counter and introduce himself as the manager. I gave him my itinerary# and he ask to see a photo ID and card that I used to pay I inform Dan that I have already paid. He ensured me that he needed to swipe my card as a reference and nothing will be charged on it. Lies, lies, lies. My card was charged $433.02. I received a notification from my bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3ffc49447ce47ba8840ae728aebb753
encoding: FLOAT32
metadata:
{"chroma:document": "In 2020, TCF merged with another company. During a pandemic, with no direction for what would happen next. I logged in to make our monthly payment on our second, which has never been paid late, and my log is would not \u201cauthenticate.\u201d Tried resetting password. Denied. Tried entering account number, email, first born child. Denied. Got on the phone and was on hold for more than 2 hours, before being disconnected. Finally got through to someone, after multiple attempts, when the grace period had passed, had to pay late fees, had a hold put on our ability to access HELOC for 6 months, infuriating! And they knew this problem was happening to many people and took no responsibility. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 080c50324e4a4735b04b01a450630557
encoding: FLOAT32
metadata:
{"chroma:document": "About every 3 months they will find a way to charge you overdraft fees, even when your balance never dropped below $600. Just changed banks, after 2 years I've lost about $1,000 in fraudulent fees from this 'Bank'. FYI they are NOT accredited by the Better Business Bureau. There's your first red flag. Seriously I've dealt with some banks with sketchy practices. TCF Takes the Cake though. I have never experienced anything like this. How they are still in operation I'll never know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be4bad57d3564af9bfafe501ec1889de
encoding: FLOAT32
metadata:
{"chroma:document": "The merger between TCF and Chemical bank has not been the easiest for customers including the suspension of automatic payments. This required setting up new account withdraws in a very unfriendly system. Over the course of the last 9 months there has been issues every month which has required notices and calls, and after each call being told things were set/good moving forward, just to have the same issues happen over and over again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c609377d49e14822bd2fe507e85ca2eb
encoding: FLOAT32
metadata:
{"chroma:document": "I had someone fraudulently access $400 on my debit card. I called TCF Bank the next day of me noticing the fraud. I filed a complaint, I canceled my debit card, filed a police report and got a new debit card. Later that day I got a call & text from the fraudsters threatening me. I reported this to the bank. A few days later, they denied my fraud claim. I am pulling all my business from TCF and want everyone to know to NEVER TRUST TCF. Stay AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbe8fd86f66b4f4a8198b380ed54c634
encoding: FLOAT32
metadata:
{"chroma:document": "My husband has been burned twice now by relying on their app. As other users have stated, it is not kept up to date. You can check it every day (as he does) and see a positive balance... Then, without warning, multiple overdraft fees will appear on one day. My husband just spent the better part of an hour on the phone with a woman who sounded like she was on another part of the planet and it was like dealing with a robot. She did not have any empathy for the situation and did not resolve it. I do not recommend TCF Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1db7d795816a4176ac190efa6ff7ff2f
encoding: FLOAT32
metadata:
{"chroma:document": "About a month ago I had a couple transactions go through my account that I didn't recognize totaling $183.90 so I called the numbers that were on my statement from the bank. Neither one of them had any recollection of why the money was taken out of my account. So I called my bank and filed a dispute. About 30 days later they refunded my money. Then about a week later they took the money back. They sent me a statement saying I was liable for the money that was taken out of my account with phone numbers to call the people who had took the funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d302356a6f544ace978112faebcee8be
encoding: FLOAT32
metadata:
{"chroma:document": "TCF very poor on fraud. I had my debit card hacked. Call bank. Stated I had to wait till Monday, their system not working. Call police and made a report. Call company that took hacked card. Took 2 weeks before anything happens. Then took the money back out of my account. Said they sent a letter. No letter. Stay away from TCF."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8accb5524d3d425d92dc1b9571c48981
encoding: FLOAT32
metadata:
{"chroma:document": "The app is never accurate. This is the second time I went to sleep with money available so much that I transfer money out of my checking to my savings account! To wake up to 5 overdraft fees! I monitor my account regularly. Several times a day! The account was never in the negative on on my end!! They refused to give me my money back...made excuses and refused to take responsibility for the error on their part! There are time when I check and it says a certain amount, log back in later. It\u2019s a different amount and does not add up! The math doesn\u2019t make sense. Money is always missing out of my account and they can\u2019t explain it. Do not bank with them, they steal your money! Class action lawsuit needed!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad3b878e3f434d76b537888ca11c5dbb
encoding: FLOAT32
metadata:
{"chroma:document": "Back on January 2nd TCF made a mistake and paid out an amount to a creditor I had asked not to make payments to anymore. The creditor changed up from what had been the standard withdrawal and made it a different amount and for more money. When I called to find out what and why had happened I was told they made a mistake and the money would be back in my account the next day. It wasn't so I called again and was told the same thing once again it wasn't so I called a 3rd time and told this time TCF was not going to refund my money even though it was their mistake. I filed the complaint and left it at that pissed off. I found out today that on 2/22 they refunded my money. Can complain can also acknowledge when they have righted their wrong. It took a while but they made good so kudos to TCF Bank. It has changed my opinion of them and I will be staying on with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da586d08c12546d0b243d484003c8c94
encoding: FLOAT32
metadata:
{"chroma:document": "Legit haven't been able to view my account info for about 3 days, can't get anywhere with the call banking, only bank I've ever had that tries to stay out of contact with you, blame you for everything even though it happens on their end. Pick any other bank than this one. Going to go to pnc instead soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4401f9b22644cd1a495082466fab5c3
encoding: FLOAT32
metadata:
{"chroma:document": "TCF 'Customer Service' is miserable. First their website hides the number, then when you DO find it you are connected overseas where the agents talk entirely too quickly in broken English and that is only if you can hear them over the distortion from the connection. Inevitably their first line is to tell you to 'restart' or 'refresh' to handle the problem...anything beyond that they have to connect you to the next level tech, which means they put you on hold until you are forced to hang up (last call took me 20 minutes before I had to get on with my day). TCF has been the worst for a long time, their merger with Chemical Bank has only made them worse. Time to move to my credit union full time... am done with their garbage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ec500663546467a8693c85f67073f9c
encoding: FLOAT32
metadata:
{"chroma:document": "TCF merged with Chemical Bank. They charged a fee to one of my two loans as an overdue bill. After complaining and them falsely blaming me for their error...They agreed to waive the fee. My other loan is being overcharged interest by at least $25 per month. When I complained \u201cTeri\u201d stated they will charge me more interest, $200 per month. She said she\u2019d file a complaint for me and then I\u2019d hear from them. I\u2019ve heard nothing from them. They lie. So what should be $153 per month interest and the rest applied to principal is $179 in interest and nothing applied to principal. Their excuse was two fold, their system did not take out a payment, which is automatic and has been for years now. And they stopped taking out $200 per month automatically which was what happened pre merger in order to pay towards principal. The approx 50 extra per month was to be applied to principal. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43ddce70a06142ac9baaf3b59100fcaf
encoding: FLOAT32
metadata:
{"chroma:document": "If I could avoid giving any star rating, I would. When Chemical and TCF banks merged, my nightmare began. Having a home equity line of credit, all that is required is to make the minimum payments and provide a copy of homeowners policy. After the merger, I received a copy of the policy change that showed TCF on the policy; which means TCF received a copy as well. First I received a \"Second and Final notice to provide proof of coverage\" and, in response, a copy was mailed. Next, a letter of \"forced\" coverage levied upon the balance of the loan. I called the loan department and was placed on hold, after being asked for my phone number \"In case we are disconnected and she could call back.\" I hung up after 15 minutes on hold and am still waiting for that call back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6947eb97b514d9f9cad3e929f51954f
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve banked with TCF for 7 years and have dealt with the rudeness of their customer service reps and stupidity of branch managers. There is not even one good thing about this bank. Literally ANY other bank will be better than tcf. I tried closing an account for 2 years and ended up getting charged $10 for it being dormant. Then I was forced to drive to a tcf (3 round round trip) only to get told I can\u2019t close my account without my original license. They have one file since I moved out of state. Seriously?? Why?? Now I have to go back AGAIN and now with my husband to try and close this account. Worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1d6bb919eec4b8d9f1f108d42424958
encoding: FLOAT32
metadata:
{"chroma:document": "After 22 years TCF during a pandemic decided that with no direct deposit due to layoffs, I should be charged 10 bucks to my account. What a blood sucking bank this is. Don't choose them for anything! So sad I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea6fc31738ff4d068eccce815d0a524c
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{"chroma:document": "I have been very frustrated and dissatisfied with the merger. The online banking is horrible. Transactions that would normally appear online right away, don't. Then some transactions appear 'pending' and the next day are gone. I balance my checkbook daily and the current balance does not match what I have. For some I can tell why my balance is lower (a transaction recently made) however it's not reflected in the 'pending'. When balancing my book daily, the balance should match all pending & posted transactions, if they don't appear in pending, then my balance should not reflect them. I have been sooo frustrated and considering switching. I've been with TCF since 1990 when I was a teenager and started working. I did once call the customer service, they took down my comments but just said they're working on it. Seriously, this has gone on for months now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73e95e6236a0465baf732174182bd45f
encoding: FLOAT32
metadata:
{"chroma:document": "25 years of banking with TCF, with little if any problems....until this year. They merged with Chemical Bank, and it has become a nightmare. Deposits disappear and show up days later. Funds not available in a timely manner. ATM's down all the time. Customer service is based out of country....Very hard to understand reps. Excuses for all the problems....Very little communication with their customers. TCF has gone downhill, fast. I don't trust them, at all. I am now looking for a new bank....AVOID TCF BANK!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b922d13b04148dd9c34b38fab7eb06a
encoding: FLOAT32
metadata:
{"chroma:document": "Banking with TCF 15 yrs. They don't take rolled coins, no notary public, use to be open 364 days a year. Now they closed all holidays and open about 50 hours a week. When you work 40 hrs and have to drive to your job. Not much time to get the bank. And now they closed my bank indefinitely. How's that for customer service?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bec1f9b26add49fda3a1938a7eaeeb10
encoding: FLOAT32
metadata:
{"chroma:document": "This company is super unethical. They pressured their employees to opt in their customers of overdraft protection so they can charge them fees. Their sales goals were unrealistic so people would open accounts for their family members and sign for them to meet checking goals. I don\u2019t recommend banking at any TCF Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ca021a7e1db4d33ad16b87a55b5db1b
encoding: FLOAT32
metadata:
{"chroma:document": "At one time TCF was considered a nice, reliable hometown bank, and for 15 years that was my experience. About 3 years ago I began having occasional technical problems with accessing my account online, or downloading transactions into Quicken. I would contact customer service through their Facebook page to report the problem, and it was usually resolved fairly quickly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 316db18d23c740e1b9a3b85bc1a22f09
encoding: FLOAT32
metadata:
{"chroma:document": "I went to check my account and my checking account disappeared and so did my money in my savings account. I am on Social Security Disability and need what little money I have. My SS check is deposited to my checking account which is no longer showing. I am so upset and will be changing banks ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5407063f1cdb4337be6348544e5cbedc
encoding: FLOAT32
metadata:
{"chroma:document": "I have been on phone trying to get ahold of someone. For over 2 hours put on hold. There is no local phone number to call this bank. Inly a 1 800 number which is all automated. Wouldn\u2019t you think a bank would have phone numbers locally to be able to speak to a person. I am totally flustered. I will have to go to bank tomorrow myself to speak to someone. Very poor customer service. Do not recommend this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bebe32949994a46af29eb6265020117
encoding: FLOAT32
metadata:
{"chroma:document": "Our investment club just lost 2.3% of our available balance, due to something called \"Less Average Float\". Can someone explain this? It's bad enough TCF charges $3.00 for paper (and we know this is just about pure profit). The statement is undecipherable -- Average Negative/Positive Collected Balance; Positive Collected Balance; Less Non-Earnings Balance; Investable Balance and the final Excess (Deficit) Balance. And we lost $8.33 to something called float -- it's like they took the money from us (free $$$ to them)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc8c471138514a0b95881829e89625aa
encoding: FLOAT32
metadata:
{"chroma:document": "If you value customer service and easy to use tools, do not pick this company. It is extremely difficult to get through to any services and their Command Line protection services give customers different answers every time. I've been transferred multiple times and then hung up on multiple times before even speaking to someone. There is no way to escalate or email. Even before COVID, wait times were long, but now are running \"greater than 60 minutes\". I was on hold for 60 minutes and then asked to speak to a representative and it said \"we seem to be having trouble hearing you, goodbye\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44ca3f992d934ecb8cec7df5471968b3
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{"chroma:document": "I live in AZ and my TCF branch was sold to Alaska Fed'l Credit Union. TCF did not inform its Arizona customers that their on-line access to their TCF account would be terminated when the Alaska Fed'l CU sale was finalized. It's been several years since I utilized paper statements, so I had not printed any of my TCF Bank checking account statements and now no longer have on-line access to my former TCF account since TCF \"closed\" my account when the change over to Alaska Fed'l CU occurred."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce02d72a939b4d4d8faca90836698c9a
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{"chroma:document": "Ever since TCF completed their merger I've had issues being able to see my balance, posted and pending transactions. I log in successfully and there's no notes of site being down for whatever reason. Clearly logged in but nothing that shows account activities. This is pause for great concern as it's happened too many times since merger. Thinking of transferring banks. Wait time to call customer service is not acceptable either. Don't need this type of stress.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e72612ac54dd44a5934597a9c51a18dd
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{"chroma:document": "On September 16th I received my payment from my employer. That's when I noticed two purchases made that totaled $126.98 on Sept. 15th that I didn't make. As I looked further, three more purchases were made on Sept. 16th totaling $229.97. So a total of $356.95 was taken out of my account fraudulently. In the descriptions there were websites given with Chinese names. Clue #1, right? I immediately called TCF on Sept. 16th to report it. I was told it would take 5-10 business days to investigate and to watch my mail for a letter telling me of their findings - basically if they find in my favor or not and when the money will be deposited back into my account IF they rule in my favor. In the meantime I was issued another bank card and the old one shut down. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07830524f4854d7a8a088f095cc05ecf
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{"chroma:document": "We've had a business account at TCF for 9 years and have had no complaints until now. I understand that in this merger the TCF name was kept but the system was changed. My first issue is I hate the new statement format but I also hate change so I assume I'll get used to it. My second issue is lack of knowledge with the employees-when I called trying to get an August statement as the one I was getting online was Aug 9-Aug 30th-they told me they'd mail me one and it would be the format I was used to. After not getting it I called again and this time it was explained that the actual switchover completed 8/10 or so and therefore I will have a statement from 8/1-8/7 and a statement for 8/9-8/30 and the old format is gone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 481348b962f84715b657b960b46739d1
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{"chroma:document": "6 weeks ago I called TCF to ask why they have removed the credit line on my HELOC despite that fact we have been paying considerably more than the minimum payment and we have a huge amount of equity in our property. Was on hold for THREE HOURS whilst I waited to talk to someone, and then when I did they knew nothing about the HELOC product and promised to have someone call me back to discuss. No one has ever called me back. Tired of waiting for a callback. I emailed them... 3 Times... Still NO RESPONSE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84f216d873d4407f8bda621696ddd1f4
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{"chroma:document": "I check my account daily sometimes a few times a day. I looked before I bought this last night. Had enough for it. I woke up this morning to see 5 overdrafts. I'm unsure how that happened because it still says I had enough in my account. This isn't the first time this has happened. I'm very unhappy with this bank and would tell everyone to find a new bank. I've been with Chemical Bank that switched to TCF Bank and never had a problem ever. I'm closing my account and making sure everyone knows what they are about. It's a bad place to bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38e1fedde82f46edbf9d0ba178ae57c3
encoding: FLOAT32
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{"chroma:document": "This bank has gone through a merger or acquisition and there is no way to either talk to a live person or to email them about issues or questions directly. Then when you cannot get your issue resolved they send you a late payment notice. What does it take to talk to a live person. You call and the recorded message now at least tells you it will be over 60 minutes...Who has that kind of time?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84a0336b8b794de9854594c8cb3f24e2
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{"chroma:document": "I need to pay my mortgage and no one answered the phone after a 6 hour challenge in the queue. The bank merge apparently resulted in an account number change and I was not notified. At this time, I still have not paid and I cannot reach customer service. I can't pay online because MY ACCOUNT NUMBER HAS CHANGED without any notification. I always pay on time and now I cannot. So frustrating and demoralizing. Anyone got a number that works?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ff658b5f01f4beea4aa06eeb81f2a9b
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{"chroma:document": "My experience with TCF has been atrocious. Getting into their payment center has always been a challenge and recently it's been deliberately impossible. I had an auto-pay set-up on my loan and they decided to quietly cancel it and then say that I was \"past due\" on (wait for it)....$7.68. Yep. So I couldn't login to check the payment because all of a sudden the account and note info they gave me was \"incorrect\" (it's not, the system is just programmed to reject you - I know because when I finally got through to customer service it worked), no one would respond to my email queries and then BOOM they cancelled my payment without telling me to ensure I would have a \"late\" payment. Can someone close this organization down?? I don't see how this is legal. After waiting a LONG time I finally got through to a harried customer service agent who allowed me to pay off that whopper of a balance so I can wash my hands of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 122b4f67aa3744539054bd2238b9938e
encoding: FLOAT32
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{"chroma:document": "My brother was a TCF customer when he died 2 and a half years ago. Every month, despite having gone into the bank with the death certificate to close all accounts; and being told 3 times it was taken care of, my mother has received statements of small finance charges being taken from the 45 dollars they wouldn't allow her to withdrawal from the account. It is now an overdrawn amount for a dead man. No amount of calling or going into any of their centers has corrected any of these issues. Ridiculous excuse for a banking institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da339768d81d4884926a55c718d66aa9
encoding: FLOAT32
metadata:
{"chroma:document": "TCF merged with or bought Chemical bank which holds my mortgage. I have had nothing but trouble ever since! I have been making additional payments to principal on my house. Even when doing transactions with TCF staff they are misappropriating the funds and putting the money towards my regular payment. This is ongoing for 4 months and numerous calls to both 1-800 number and bank branch do not resolve the problem. I am trying to get online access to TCF and even this simple thing is being a huge headache! The system keeps texting the needed verification code to my land line. EVERY time I call customer service the wait time to speak to someone is in excess of 60 minutes. And the problems do not get resolved. RUN... don\u2019t walk to any other bank in the world but don\u2019t use TCF. I wish I had a choice but I am stuck with them. Plan to call an attorney soon as they keep misappropriating my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ac8f721ad304552a000435504fd1271
encoding: FLOAT32
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{"chroma:document": "9/04/2020 at 4:15 pm PST. I have called 4 days in the last 7 and have been unable to get through as the line is either busy, or after waiting for quite some time, the line goes dead. Today, after waiting on hold for over 60 minutes, a male customer service rep who did not identify himself, seemed skeptical that I was unable to login to my account and walked me through the rudimentary steps of 'forgot my password' and so on which I had previously tried. After determining that this was not working, he simply hung up on me. (I'm very careful to not be rude.) I have not received a statement in the past month and I need to see the status of the account. Craig R. Dahl is PRESIDENT AND CHIEF EXECUTIVE OFFICER."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd58bafc8d0c4e08b005999df4dae502
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{"chroma:document": "So my I\u2019ve been with TCF for about three years and never had an issue but today I logged into the app and it says no card is activated under my name out of nowhere. I\u2019m trying to stay calm but I can\u2019t. I need my money and it just disappeared out of nowhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c470951f68040cea2923dcb9b0f4c74
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{"chroma:document": "Have been trying to get ahold of a person on the phone for 2 days. The 1st day 1 1/2 hrs on hold. Now on hold again. Who has this much time to hold. Tried to access my online account using my Id and Password. Says it's invalid. Try to get new password. Says email and account #invalid. Cannot pay my loan. This is the worst online and phone service I have ever experienced. If I could talk to someone that would be great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68cdfb75410c4f64961413b961e08f51
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{"chroma:document": "I had a HELOC with TCF Bank. I sold my house and escrow attempted to get a payoff statement, required to close the escrow and clear title. They sent FOUR faxed requests over 21 days to TCF with no response. We called and waited 2 hours, 20 minutes to get someone to answer, and they could not help us: \"It's a different department, and that department does not take calls.\" Escrow delayed - they still haven't provided the required info. Do not use this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b39713b066d46449fe395286b6de319
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{"chroma:document": "I opened a HELOC with TCF in 2017. Given current 2020 low rates mortgage rates, I opted to close the heloc so that I can refinance my first mortgage without a hassle. I called TCF, I received a payoff quote and was then told I could not pay more than 10,000 per day. (I was then told that was wrong, I could have paid it all off in one day. Incompetence #1)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 056a895b518248639976e5d75e4405df
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{"chroma:document": "I opened my account with TCF back in 2011 after having a nightmare of experience with Wells Fargo. TCF has always been honest in the way I've never had any mysterious charge, or monthly payment. There was a time when my debit card was cloned and they took care of it right at way. Even though I moved to a state where there are no branches I use my online banking and it's so easy for me. Customer service is always great, I highly recommend this bank after the nasty experiences that I had with others. I don't feel the need to open an account in a local bank at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12af3c2d6c2b418cacc03432d49c90cc
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metadata:
{"chroma:document": "As of today no customer service, I waited for 2 hours NO ANSWER on their 800-823-5363. I called first thing this morning central time 6:00 am pacific time. This beyond ridiculous... I have second mortgage. Portal is not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef611b3653224830a1fd9a0dc0ad961f
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{"chroma:document": "I have had countless issues with TCF in the past and lately feel as though I cannot trust my money to be kept with them. Next to poor customer service and inadequate phone systems, their online banking and mobile app are garbage. I was unable to access my accounts on more than one occasion over the last 30 days. I have had my card locked on multiple occasions without any alerts being sent and now I am so desperately trying to access my accounts in order to transfer money and pay my rent but it suddenly appears ALL OF MY MONEY AND BOTH ACCOUNTS ARE NON-EXISTENT. I am doing my best to not freak out but have yet to get through with any phone calls nor can I find a way to leave a message or email. When I find out where my money has gone I am taking it all out and finding a more trustworthy bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a0e414f32f44cdcae0776126cfb6f2e
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{"chroma:document": "Horrible customer service. I mean absolutely horrible. Representatives are not very knowledgeable, or they try to mislead you. Told me the incorrect loan balance multiple times when trying to make payments. My latest call took TWO HOURS to speak to someone. They don't even have a call back service. It's 2020 people. Get it together. So you literally sit on hold for two hours listening to some awful music. There are enough banks and lenders out there - steer clear of this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c808b9d0aafb46bd8374d5adf70940f0
encoding: FLOAT32
metadata:
{"chroma:document": "I have dealt with TCF for at least twenty years. Their customer help was so-so, but they were always there for the customer. I now have zero access to my accounts and after an hour on the phone I was given a new password and told that it might work the next day... It's time to look for a bank that is protective and grateful to have customers. There are many banks so to remedy the extremely mediocre job setting up accounts during their merger another bank might be a good choice at the present time. There is not any avenue to take to get decent help if one needs it and it's really a shame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ce261a2fb86456e99a42a54364814bf
encoding: FLOAT32
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{"chroma:document": "If you're having issues with your TCF debit card or accessing your account, you're not alone. Mere hours into TCF's merger, I was not able to use my card for anything, I was given incorrect account balance, was not able to use the automatic draft for bill payment, couldn't access the website for online banking and was not able to contact customer service for any of it. I have gone through many merges, however, never like this one. I guess they also save money on the IT group that they hired for the transition... Incompetent, extremely poor decision. Do not waste your time visiting the actual bank locations.. Their employees were not trained to handle the mess that they have created. Will close my accounts this coming Monday and will advise for you to do the same."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e357e6c82a94f5cbbc36768be339a38
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{"chroma:document": "Since TCF Bank has made themselves into new tcf bank, my checking account has been a complete disaster. First I get a balance of 9 dollars when I end my day. Next morning 269.00, a lie that I drew out 100.00. Now they claim I am 130.00 over drafted. They have you sit on a phone waiting for customer service. The service rep sounds all muffled, has no clue how 260.00 showed up into my account.. Went to the branch bank with same questions... Duh we don't know... I call to check my purchases. I get miscellaneous items. No explanation of my purchases. Then I get hung up on. Or wrong account pin number, I've been at tcf bank for many years and I'm ready to dump them and find a bank who knows what they are doing. Tonight I go to sleep again because these fools have messed up mine and every one else's accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0581c4a02c44471805cd460f3d4a6ff
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{"chroma:document": "We've been with TCF for 15 years, and they've gotten worst every time. Plus, every time I try to deposit in a check, it takes a very long time to process, especially on weekends. But this time, it didn't went through AND AAANNDD, they took my deposit off my statement. Tried going to the bench where I deposit the check at 4042 W foster Ave at Jewel Os co, and they didn't know what to do. Plus I got over-drafted 3 times for no good reason. When I asked about it they were clueless on what to fix and kept making up excuses. Tried calling Customer Service, It's just as bad as the benches and YOU HAVE TO WAIT 30 MINUTES JUST TO GET SOME RUDE LADY that tells you \"oh yeah it's just an error. We're fixing it\". Yeah that's what you guys said last time. DONT AND I MEAN DONT go to this bank. My dad is with TCF and I'm switching him over to Chase bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1b447663257431c9aa5d42e3c1b9f85
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metadata:
{"chroma:document": "What is going on?! New website is full of inefficiencies and errors and in our case no way to set up payments. Forget about getting in touch with customer service without waiting over an hour and a half or more. What a dumpster fire."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 434f904a3efd4e68b48cc0d08ffda6ec
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{"chroma:document": "Horrible customer service. 20 year customer with deposits available immediately, changed policy to a 2 day hold on checks with no warning. New Lenox branch open on Saturdays but when I went to make deposit on 08/20/2020 there was a note on the door saying closed due to \"IT\" issue. Called they said to come back in 30 minutes which I did and branch still closed with a parking lot full of cars. Called customer service today and was treated poorly. Called New Lenox branch and same treatment. Said I will be in to close account tommorrow she simply said \"okayyy.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c5c48172f014ababb3eadc4051e9f51
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metadata:
{"chroma:document": "The digital banking is a DISASTER. For two days and counting I cannot log in and when I call \"Customer Care\" I am told there is a 35 minute wait with no option for them to call me back. What an incompetent MESS!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 324530a400264eb1b161defd6242e2d0
encoding: FLOAT32
metadata:
{"chroma:document": "For over ten years, I\u2019ve loved my local branch, but get highly upset calling the 800 number. Recording for years always says sorry, due to the high volume of calls... Hire some extra help! When I call, their prompt choices are not what I\u2019m looking for, as it continues to offer more choices, I just want a representative. When I do enter my account number, it\u2019s a waste of time, they will ask it again \u201cfor security purposes\u201d (inefficiency). I press 0, but it ignores me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa4eba77bef045b4b789bb24a93de907
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{"chroma:document": "The customer service is horrible. The overdraft fee is $37. I hate this bank. One time I had good customer service and they did waive my $70 overdraft fee. But now during COVID, they wont waive my almost $40 overdraft fee, even though I couldnt check my account because the app was under construction and ALL customer service numbers would not even ring. I hate this bank and the rude customer service people who work there. I am on hold now and if they do not waive this fee I am closing my account. I have my overdraft option TURNED OFF, so they shouldnt even be able to overdraft my account. DO NOT BANK HERE!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b68094018e3480e97196a268d0639ff
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metadata:
{"chroma:document": "I have had an account with TCF since the 80's. When I was married in the 90's I closed my single account and opened a joint account with my husband. Recently I needed to order a new debit card. It arrived but not with my name. I was told I had to go into the branch. I was annoyed as I have a full time job, a part time job and I take care of my elderly parents on top of everything else. TCF made an error and felt no compunction about putting me in a position where I had to leave work early to go to the branch to fix the error they made."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b11accbf217946aab9b7df8b4ea0f4e3
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{"chroma:document": "This bank has been a nightmare. I have other accounts, but have kept this one since I was in college. Everything that can go wrong, WILL GO WRONG with TCF. Once again, they are requiring me to change my PIN and once again, they cannot help me change my PIN. Tomorrow it will be some other ridiculous problem that they create, then blame on the customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5b53e164e3e4a32a1c6bdc6884878b0
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{"chroma:document": "The dollar amounts in the app are never correct and I have found a way to make multiple screenshots to prove it. If you do not balance to the dollar and realize the amounts are off they immediately (within an hour or two) hit you with an overdraft fee. I have tried to tell them it's wrong but they only want the money it generates. Will be switching banks but if anyone is in for a class action suit let me know. Yesterday I had 260 in my account. Spent 180. Now today I am negative 35... Does that math work for anyone else? And then add the insufficient funds charge that is already there... Taking advantage of people during these times. Shame on them"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 577e6825a15b4a2a9b3f84b38208ba2d
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{"chroma:document": "I paid for two pairs of Nike Tennis online. And I seen were the money was pending. The next thing I don\u2019t see the transaction of payment. What they did was Delete my payment and re-issue a new amount on my account. Have a me to believe that Nike was already paid for the merchandise. Come to find out they didn\u2019t get the money. Which could\u2019ve caused my account to overdraft. I feel if I buy something online and it is legit. Pay the people and quit playing games with my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 946bd988ff56424ab17fc616b5500536
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metadata:
{"chroma:document": "I applied for a PPP Loan weeks ago to keep and pay my employees, today they call me requesting more information...You have to be kidding!!! All my business owner friends got their loans days and weeks ago, goes to show who the upper class banks are and it's not TCF!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f4f37599b97453c882fe12115b1c0c1
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{"chroma:document": "Case# **. On Friday 04-03-20 @ 10:27:58 am, I deposited $650.00 with a deposit ticket into the money intake slot of ATM#7001208 in Calumet City, IL 60409, @ Torrence & Sibley. The screen showed me my deposit ticket, clear as day, and said \"I cannot read your check\". It then issued me a slip that said \u201cWe encountered a problem returning your check. Please contact your financial institution.\" It kept my money, 5 $20s, 11 $50s and the deposit ticket. Bank door was locked because of coronavirus, no one would come to the door. I called customer service, then and there, in the parking lot, they said it would correct itself overnight. It did not. I called again Sat. 04-04-20, same answer, both times TCF refused to open a case# or dispute ticket. I have called on phone at least 25 more times and spoken to someone, they all said, \u201cWe will look into it,\u201d someone finally opened a case#**. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b74cdd773f0848bb912a434876ecc5de
encoding: FLOAT32
metadata:
{"chroma:document": "I was with TCF Bank for years. I tried the business account with them and they sucked. So I closed it. My checking account They never update my address! So I had the regular checking with them. Never sent me any letters but closed my account without my knowledge. Said I owed 55 dollars for PayPal trying to take money when I know they take from a different account! Didn't want to argue so I just paid it! I went to the bank today and the lady just giving me a attitude. So I just paid it to get rid of them. And don't get me started on their credit card! Because it has their name but it's not theirs so you can't Make a payment through them or get info. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I contacted Tcf home loan department and spoke to a Ramsey ** who said he\u2019d like to handle my loan. Biggest mistake I\u2019ve ever made. He promised a 15yr loan at 3% provided a pre authorization letter. After he kept lying and saying he never received certain documents that were in my sent box that I\u2019d already sent to him at least 5 times each. The guy is just completely incompetent. He had me and my husband do an electronic consent and the dummy put our current address not the purchase property which I have a screenshot of. I called to complain to someone else in the department and they literally just turned around and told him. He called and was yelling at me and belittling me while I was 32 weeks pregnant. (Big tough guy, right?) Thank God my Ring picked it up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fa9abb4219f49eaae1b9d62ef410050
encoding: FLOAT32
metadata:
{"chroma:document": "I THOUGHT Banking here would be a convenience with multiple Outlets at Target & Jewel Foods; for a little guy, they've made $$$ off of me and I'll explain how. I DO/DID use their L.O.C. attached to my Checking Account-a $10 Fee plus 1.85% MONTHLY if not higher on unpaid Monthly Balances. Checking Account hacked twice in less than one year- went to 8-Digits- recently told me I have to go back to 4 Digits. Couldn't explain why they thought that 10x10x10x10 when selecting a Pin # was safer than 10x10x10x10x10x10x10x10 i.e. an eight-digit random number-so unless I leave and I WILL BE-100% confident I'll be hacked again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f640d9ea72d463a98eda2612308ea6b
encoding: FLOAT32
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{"chroma:document": "I talked to customer service a few times. Very helpful but some of the people in customer service are not. The last one I talked to was very short and did not care about any of my problems. She did not give me her name. I had to ask who I was talking to. I wish I could give you her name, and you could call back a try to get someone else. She was very short. Sounds like she did not have time to talk to you. It's too bad that this is the kind of people answering customer service phones."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91f07e81b9054ce0a9ead71c1e3aafa7
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{"chroma:document": "I tried opening a checking and savings account with them in November. The money I deposited when opening the accounts \"never went through on their end\". However, when looking at the statements from my debit card, which I used to open the accounts, the money was obviously taken. I called many times, even went to one of their branches. I kept getting the runaround. They told me the money was already refunded. I never received that money, so I had to end up filing a dispute through my card company, so that they could get the money back. The dispute was won, and I got my money back in January. Now all of a sudden, two months from January, they're sending me a debt collector's notice saying that I owe them money. Money that for some reason they're saying was never there. Don't trust them. They are a very fraudulent company. They shouldn't even be in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b90d411dd65a4265834bc744b54bf4ff
encoding: FLOAT32
metadata:
{"chroma:document": "My son got caught up in a fraud scam and was allowed by TCF Bank to cash $7,700 in checks with less than $1,000 in his account, as apparently TCF does not follow their own Funds Hold policy when it comes to cashing checks (7 times greater than available funds) even though we subsequently received funds holds letters on the checks he was able to cash. All I was told was the checks were allowed to be cash due to \"teller discretion\" and I would need to speak to the Branch Manager. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74361775537a454f9736d4d644ec5eb3
encoding: FLOAT32
metadata:
{"chroma:document": "They are stealing from customers with fake overdraft fees and when you cut the card off they continue to let vendors bill you so they can continue to collect overdraft fees. What they are doing to customers is worse than Wells Fargo. I'm reporting them to the Minnesota Attorney General Office. What else can I do? They stole 256.00 in overdraft fees and they said the account was closed. Please help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56201067810f47df9bff2a9edf6294b5
encoding: FLOAT32
metadata:
{"chroma:document": "This bank shut my card down on me constantly. When I drove otr, left me stranded on the road for hours and days with no money. I even had to sit in an airport for 8 hrs because they wouldnt allow me access to my own money, but other companies is were allowed to take my money even after I contacted them as to a company overcharging on my card and an amount they did not have permission to do. Their dispute dept is a big joke. They told me they denied my dispute because I purchased something from a vendor!! After this vendor tried to get my money twice and TCF wouldnt give it to them, on the 3rd try they just gave them my money, after I had even contacted them that this business helped themselves to an extreme amount that I did not approve."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3217d7645b284e0aadad556d89f05e1c
encoding: FLOAT32
metadata:
{"chroma:document": "I closed my account because of bad service. Any questions you asked them they don\u2019t know ask for numbers to corporate they don\u2019t know. After my account was closed they still let merchants make transactions on my account. So In other words my account status says closed however it is still open. When I call to find how is this possible they don\u2019t know is what I was told. They are forcing my account to stay open even though I closed it a week ago. This sounds like something illegal to me. I will be contacting an attorney about this matter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fe12eefcdb4472aa33bc8a0119ce6ad
encoding: FLOAT32
metadata:
{"chroma:document": "The bank does everything to make sure you can't reach someone with a question. The only option after scrolling and scrolling to question is to tweet!!! If you call a main number the service staff are clueless. They make it hard work to find a number to contact customer support. I've had digital banking for many years and all of a sudden my payees are missing, history of payments are missing and the only answers I get is it's their vendors' fault and they can't do anything about it! I am so disappointed in a bank I have used for many years! Definitely switching."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 239b5c9808f04ecc9ae113929e43906d
encoding: FLOAT32
metadata:
{"chroma:document": "My family and I have been banking with this bank for 5 years and needless to say, I will be closing my 2 accounts. My experience with this bank has been stressful and unpleasant. Overdraft fees and charges out of the blue. No legit reason why. You can have money in your account at the time you make one or more purchases and a few days later you have overdraft fees on your account because they claim your transactions were still pending. I hate I ever did business with this bank. I hope all their locations go out of business soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36d9c029c5d74403964b35b387535a08
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is horrible!!! Money is constantly going missing. I check my account after every transaction to see if it has been deducted and it\u2019s always taken out right away. Last night there was money in my account and this morning my account is negative!!!! They said it was from pending transactions. But once again I always check my account after a transaction and they always deduct it right away. I will be closing my account!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf784e8224794827af063304f3d99f94
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a current customer with TCF Bank, my experience with them is terrible. I had automatic bill pay. I had to end it because every time TCF paid a bill sometimes they would pay by check which would cause me to have at least 3-4 overdrafts at $37 each overdrafts. I called the 800 number, spoke with a supervisor, I mentioned that I signed up for the automatic electronic bill pay not to you to send a check. I was told by the supervisor it's the bank discretion how they choose to make a payment either electronically or check. Now I'm a negative $206 in overdraft fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7613fc9315f42c391eaea3238c0c61d
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible service. Any problems will be pushed on to next employee. No one will help you. Banks are supposed to work for you not the other way around. I've been a customer for 2 years and will be closing my account at this crook bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4690700f99446c9a1f3a1508bc1f5c7
encoding: FLOAT32
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{"chroma:document": "I was a customer of TCF bank checking account many years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, without no warning or reason given I received a letter from them informing me they were closing my account. I wonder if they choose my unique name or my faith and no due process for the reason the account is closing. I will move my money to different Bank and will cross my fingers, because any bank can do if TCF can do without paying any price."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a8b3338283d43d4bf1b3ac8df7acc0c
encoding: FLOAT32
metadata:
{"chroma:document": "I was a customer of TCF with the same checking account for 30 years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, with no warning or reason given I received a letter from them informing me they were closing my account. I tried calling them numerous times to find out why they were doing this. No one would or could tell me. I was polite and business like and they were anything but. I finally got someone on the phone who told me he would look into it. He came back on the line after a minutes or so and tersely, bordering on rudeness, informed me that TCF reserves the right to stop doing business with anyone it chooses. I gleefully, finally blew up and used what can at best be described as colorful language with this clown."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b823add842443b681aa63aab9fac11d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7be2243eb33b4f60b097d239eeefadce
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2581b727b2e24b5ab1b6e1662d52fd9c
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank ever. Customer service sucks! Sometimes you can\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 051a1af5bf2948298eff2898b4b39b95
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b017029d646147d2b1ed0abc319c4b04
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c61995e37b8344748cd2a20d0319e3d4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae6aab681e474d5ab3874da87cca8e41
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20f5b140ef1c4ec09e77350549a95d48
encoding: FLOAT32
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{"chroma:document": "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). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68304ebbc21142289267592e2f432310
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5f5f596be7fe4aed8d8c207032dd94e1
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af32adce41164608a06603fec8eb92d5
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b42c32126e264df38f45d870dea0410a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd3c00bf6ed94a0da1c7d880117caab2
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e5770a7446a4336a0ab673357779609
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cc0ebf6c304432fb8534e9f4f4b89e9
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d42018b2d92344bbb474bde03e2fc8bf
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ed8a98db1cf441695270f916f62692e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b38b72df2014755a9a470c2809c5016
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e4ff0eefbeb44c4920d5a4ebcf827b1
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s 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\u2019t 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\u2019S 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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 083bb08926a043e4ad5d66f40c94bad1
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s that got to do with me if the funds cleared and there was no problem which there wasn\u2019t."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28c020989b5948fc91569d3381d8bb32
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11300b6c9a32448289f34a2da1d61d10
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e16b6af102643e19b8b9858a177a479
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{"chroma:document": "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!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e5196b0a8374c8a877995b7ae57182e
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b034d214dc264f9e84e311e029859188
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{"chroma:document": "I closed my dad\u2019s 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\u2019 names (my mom and I were on the account) but they will not. Now I have a check I can\u2019t do anything with and TCF is basically keeping our money. I do not recommend doing business with TCF!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cea2e7da34864033a10e17932ed3581c
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{"chroma:document": "I recently deposit check on my account from my wife\u2019s 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\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a9e168bee344bd6b20c6afeeb3b1e8d
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{"chroma:document": "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\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc0d03280b9c4405a32ad7bfd1bdd2cc
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0d8fb2a2b714eb2a6fb5ca95f0bef16
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f1cb48678424f26a1c58e0afc2298ad
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a64246833e23473594e5b386db8eb945
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbf202a18aa64b9aa4d19c933401e6b1
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93d1bb09f2504606b5732a04a8acb870
encoding: FLOAT32
metadata:
{"chroma:document": "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..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9df0c056b9a849769806fe1c6cce3a0c
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4fee40d752944c7b547a48a749056a5
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43621afecfe948d69a8fa80bd65b8460
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 428e799962be4c2786a7d5229e5306bf
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s below zero I will give this bank -10 stars -10. Be careful everyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e59fd9eca83c486394860ab64d99b154
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0cdf7d529c64504aef39217ccb226ae
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 981e476db34c42dfaae669e71e8c845a
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s 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 \u201cTCF is investigating this dispute and you will hear from us by 1/3/19.\u201d "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ba91f384a37483698482d72e8dc587a
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04969355d23c44b69ac3345b6c43c09d
encoding: FLOAT32
metadata:
{"chroma:document": "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 **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c4ac96f8cec4e6db00ab7749e77c34c
encoding: FLOAT32
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{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbdfdbe6bfa54b4abe91b3c7f79af927
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4486db455d1145e18c8b086721e367ee
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30c8acde22504346a4556f158f26dcda
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1a24bd770824d3baa6eebe8346e61c1
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b56df7da3f204c4186fd8d75e8b6e95a
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67fe03b771164af0bfe737e6b8c30b1d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52b1ba581b0f4b30904e63083bfb4926
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{"chroma:document": "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\u2019t help her because she was very very rude, not friendly and didn\u2019t 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\u2019t 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\u2019m a very very very unhappy customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55fc0c7adc05479598a1efa331470069
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 852599b136ba4440a585899afaabb897
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ae2a2037b93449199cea8b33a634ed0
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be26144a6e54459d94f30257ee0ef90f
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fee3cc0280e3452884188d8cfa3c0df8
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metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ade2b0940cc4447baa89484aa4386752
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e47d53fcee1246f983a96959c0219fe0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 334493d6700448078cd2b0df4452aa77
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 521e09e1ec034431a803684ba93d95c2
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e611f9a47ca04b54a5fbb30e06cd8018
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b70cef3400b444fad71dc43c648bceb
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{"chroma:document": "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\u2019s going on. Deceptive practices!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e764b0a5800b498bb515a158ccf97611
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{"chroma:document": "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.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f80414664f784e1cad6bc4299c0b4ec6
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{"chroma:document": "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\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5acce6ffb33c4cc2a152195697526f20
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e57d92daacad4698aa2d0fbcd735b92c
encoding: FLOAT32
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{"chroma:document": "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! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3791a30fa7e4b62b1319c19c55dd6ed
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4324008431c94213b2e26ce961fb7ea3
encoding: FLOAT32
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{"chroma:document": "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\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc45a15d7d544839aa74186c03b50a58
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5992752ca48a41428409f53abecdeeb3
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87f2fecce8774ec9b12f24bb075763bd
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83bd8da94a7b44a8a4004af1e57ab446
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cac1d91e33744900b6c6247078fde53b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b4795a7925c455fad4c2dafa48e4ead
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8658a353633f47598cd1ef35b9a2a385
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f08f666251b8449ba33f854b1a438bc6
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1f7860bc3174e9bb6b5a50493ce4a1b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e64df6b44874f968f20e3d62f2d0285
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e313194d2fad4c7ebc84761d050ac735
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aff18d560dd5450b8e077801b50b8289
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{"chroma:document": "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.)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbc6256e11864637806e6ffe91c22289
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 206ccdd6571e4d1da4588c4f307fd85e
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{"chroma:document": "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?\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ed8ad33a88342588ec0ea36940194fa
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b98b57680594b4fb6385c0c80fd61e7
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a182bf899c6f42558dfdd2de53e56948
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71a67b8001804a0eb1f4a92507e928b3
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df557c1ecaf14af0b86a334d778eb669
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d97c21f377434a7c8cb3ebb856745013
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b410efee13fe4ea1b8082d6dfd1e499a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


