I have a concern about TCF Bank. I've been a customer there for over 23 years, and this recent action that TCF has taken against my account is questionable, to say the least. As I've stated before in my previous posts, I'm filing bankruptcy, and this bottom feeder collection agency/attorney's office "Capital Alliance Financial LLC" AKA "Stenger and Stenger" law office has levied my bank account in order to collect funds for their judgment against me. Anyway, TCF Bank took $100.00 out of my account for their "service fee" for letting this collection agency levy my bank account. I called the bank, and the rude CSR informed me that this was "standard procedure" to charge the client a fee allowing the creditor to levy their bank account. I've never heard of such a situation; perhaps I'm naive, but this is just adding insult to injury. Any way for the bank to profit, I guess. :( Another way of gouging the consumer... Unreal. I welcome any comments or anecdotes regarding this situation. Thank You!

TCF bank is the absolute worst!! Their customer service is horrible, they will not assist customers in any way when it comes to fees being assesed, even when caused by unauthorized withdrawals. Having overdraft protection to keep these fees from happening isnt that at all, it only applys to one type of transaction, not all of them. Their supervisors/managers are a joke...they will do nothing for you regardless of the circumstances. Do not open an account at this bank, it is by far one of the worst choices out there!!! Id rather keep my money in my matress!!!

I CONTACTED tcf bank WITwhom I have had an account with for over 10 years and have always been in GREAT standings and have enjoyed my services. I had a family member steal my checkbook and wrote 1000.00 in bad checks and I called them right away. I have beentreated HORRIBLEY!! They closed the account in which fraud was done and I totally agree with that. I opened another one and the instantly CLOSED it. I opened it with an itital deposit of 125.00 and TCF took it and closed it as I mentioned. I have no banking services available to me AT ALL. I am being TREATED like a criminial. I have paid all but 318.00 to avoid the bad credits that will follow until the investagation can be conducted. I called to make a payment to them over the phone - they refused. They actually cleared ALL 10 checks that my family memer wrote ALL one day and cleared checks for her that I didnt even have money in my checking account to cover. They CLAIM they did this as a courtesey !! When, I call them the tone they talk to me with is not nice. I went in to TCF BANK .com to set up YET another account and I made a deposit of 350.00 knowing they will take it. I am a proud women and I have money, and I am trying to pay the bank until all this is investagated and they continue to treat me like a CRIMINAL. I am calling corporate office. I dont agree with them shutting my new account down . I have no way of banking. Its wrong what they do to us.

While reviewing my TCF Bank account, I had noticed a new fee that was showing up on my transactions list entitled, "Monthly Maintenance Fee". When I opened an account with TCF Bank, I was notified that it was their "Totally Free Checking Account", due to me being a student at NIU (and if I were to have any convenience with banking on campus, i was notified that the only ATMs and the banks on campus were TCF).

The first "Service Charge" took place on March 17, 2010 - SEVEN months after I had opened my account. I hadn't checked my online banking as much as I probably should have in order to notice that this was going on. The only time I noticed this was when I went to review my account after making a purchase at the local Wal-Mart in Sycamore, IL on March 18, 2010. I remember specifically because I had used some of the money that was recently deposited into my account earlier that week for medication because I was ill - and I had wanted to see how much money I had left over after making a second purchase that week.

After seeing this service fee was implemented on my account, and not noticing anything like this previously on my account, I called the customer service number and asked them what was going on. To paraphrase, the lady I had spoken to notified me that this was an irreversible fee, and it was because my account had changed according to them, that month - she told me to look in my messages to see that my account type was changed. I followed her instructions, and I did not receive ANY notifications of any sort - mail, email, etc.- that my account type had been changed. The lady also stated that, because I did not have $500 in my account, that is why I was being charged this (I AM A COLLEGE STUDENT- which equals to NO MONEY). This is my first complaint.

My second complaint complies of simply the dates the "Service Fees" were made. The first one dated - March 17, 2010, the second one dated - April 16, 2010 (a day before the first charge was made), and the third dated - May 18, 2010 (two days after the month time period would be sort of remotely acceptable (if the charge was acceptable in the first place). The timeliness of this bank is completely absurd and unpredictable. According to their logic, I am just supposed to "know" when they decided to take the money out of my account, and not go over, even though I barely had any money in the first place.

Sortly after this, I had refused to use my TCF account for anything else - and I am assuming the bank took the hint since they closed my account, and sent the money that they caused me in overdraft fees due to their own untimely will. I owe, I believe $90.00 in total due to just their fees. Thank you TCF Bank for doing nothing, but causing me stress and anxiety.

This bank is terrible. I set up a simple student checking account back when I go my first job. They convienently leave out all of their ridiculous charges and fees when you sign up. They told me that if I set up direct deposit that I wouldn't be charged any fees and yet every month I am charged at least two fees. They also will save transactions and then when you are getting low on the money you are keeping with them, a three week old transaction appears out of nowhere, saying it just went through. Today is Dec. 11 and I have been trying to close out my account for three weeks now bc I put my money in a Chase account (great bank so far) and a transaction from Nov 26 just went through and I have numerous 2 week old transactions still pending. It's a scam to try to get you to overdraft. This bank is terrible and I wouldn't recommend it to anyone. Stay away from the stress and scams of TCF bank.