I am set up for direct deposit with TCF BANK. Even though I have direct deposit, I still have to wait 2 days for my paycheck funds to become available.

TCF Bank hates their customers!

It is surprising to me that during this time of a difficult economy and many people struggling to get by that a Bank like TCF Bank would not see to it that they would try to do their best to take care of their customers.

The last year has been a very difficult one financially for me and I am doing everything I can to make it by. $175.00 may not seem like much money to most but it is the difference in making the rent or not for me. TCF Bank does not care about that. All they care about is their policy.

I recently had a situation where money was mistakenly taken from my account. It was because of an issue that was not quickly corrected by the courts. When I found out that this was happening I was able to get it corrected within 24 hours and TCF Bank put the money back into my account within that time frame.

That was great and a quick turnaround of getting the money back once they got the corrected information.

During this 24 hour process I was in communication with the branch trying to make sure what needed to be done and how to get the problem resolved and how to avoid any NSF fees. Nothing was ever said to me about there being a potential problem with NSF fees and how it could be corrected.

However because of the money being taken out it caused $175.00 in over draft fees. Over draft fees that really never should have happened and that TCF Bank will not refund. TCF Bank says that technically it wasn’t a mistake by them so they should not refund the money. I agree technically it was not their mistake. However, they could do the right thing for their customer and refund the money.

I have talked to their customer service and to the branch manager to no avail. It was not their fault so they do not have to return the money.

What happened to doing the right thing for the customer especially given these economic times, especially when the customer is begging them to do it. Why can't they look past their policy and consider their customer. It really is an unfortunate that they will not do that.

I hope that TCF Bank will get this letter and recognize that there are times when they need to be more concerned about doing what is right and less concerned about their policy.

Peter Brissette
Extremely Dissatisfied TCF Bank Customer

TCF will charge you a printing charge for your "free checks". I directly asked the person who opened my account if there was a check printing charge, and was told no! The $50 bonus that is supposed to be credited to your account the next business day after 10 transactions has not happened yet. It is 30 cents for each debit transaction!!! You have to use your DEBIT card as a credit to avoid the 30 cent fee. If you swipe you card at Walgreen's you will not get a choice to switch to credit until you are asked to enter your PIN...thus making you aware that it is a debit... Why aren't people outraged about these practices by TCF?

Can you believe that in 2010 you cannot e-mail customer service at TCF so the you have written prove of your complaint or comment? They want no record. You cannot directly call a TCF branch...yet for other matters, you can ONLY deal with a branch since the phone customer service supposedly can't do anything in certain matter... All so convenient...and fraudulent

If there is a class action suit, please let me know!

I signed up for their free checking account last year. Then I just received a letter from TCF that I owed them $25 for over drawn? I have not used the account in about 5 months. I thought maybe fraud? I called TCF right away and they told me after the first of the year they started charging fees for their checking accounts. I NEVER received a letter telling me this. They should have sent some kind of signed conformation so the customer is fully aware and agrees. Not stealing money from their account and surprising the customer 8 months later. That is VERY UNETHICAL of TCF and I would highly recommend that everybody closes their accounts with them. They can't be trusted. They stolen the money I had in they.

In January of 2010 I reached my boiling point with TCF bank, and changed my accounts to Harris Bank. I left the checkingaccount open with about $70 in it to cover any uncleared or outstanding items. I checked my balance for the first time and found that they had instituted a monthly fee of 9.95 for not having a $500 balance. I called the 800 number, and they said I had to go to the branch. I went to the branch, and they said if they reversed the charges, they would get written up. They told me to call the 800 number. The 800 number said they would have to check into the original customer service rep and call me back. Long story short, I closed the account, and left with only $5. I had mistakenly signed up for paperless estatements, which I never checked, since I had changed my checking account. TCF stole $50 from me. I feel sorry for their employees that work in such a predatory and unethical environmnet.