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Jester1927
April 16, 2009
Fraud
I have had TCF National Bank for several years now including all of my business accounts. I have had some minor issues here and there and they have been generally good at resolving them. This is NOT the case when there is fraudulent activity on your account. Several days ago I noticed unauthorized charges on my TCF.com online statement. I immediately called in and the rep told me that I would need to fax in a fraud report. We then went into the details of my account and by that time 8 legitimate purchases I had made were now overdraft fees. The rep informed me that they would be credited back to me after the investigation was complete. He told me to wait 10 (ten) business days.
Because the fraudulent activity cleaned out my account I have now reached over -$390 in overdraft fees. I asked to see if there was a way to expedite this and he said no. I faxed in the paperwork and called the fraud dept 2 days later (they claim all requests are processed within 48 hours so they will show in the system). The rep I spoke with was kind of rude and told me that I have not shown up in the system in two days. Additionally she told me that it usually takes 3-5 days to show up and it can be 10 days after that before I receive a response!
I, like every other person on earth have bills. I informed them that I need my money to pay my bills and their answer is "sorry, nothing we can do". "Wait 10 days". I have constantly asked to speak with supervisors and the same result. Sorry. Can't do anything. I tried to email them to let them know that I can't even get anyone helpful and they don't respond to email! I looked for a corporate number with no suck luck.
Currently TCF National Bank believes it's OK to charge customers overdraft fees because of fraudulent transactions. TCF also believes that terrible customer communication is OK. It is also their policy to wait up to THREE WEEKS before giving you your money back. I can't even wait until this is resolved... im sure they will jack up the overdraft fees too.
I have contacted them several times and if I receive a legitimate resolution this will disappear. Until then, the world needs to know what kind of crap they are pulling.
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Mary Rose
January 14, 2009
NSF Fees/notification
I don't use this account often. I found that the 5 day hold on checks and the teller service to be very slow. So, I only pay a couple of small bills with the account. When I stopped a monthly draw with the account, there was some money left. I wrote a check over a month ago, deposited enough money to cover the check and still had a balance. The party held the check for almost a month, I was unaware of that. But, none the less, last week I used my ATM card to make some small purchases. My account balance was overdrawn by less than $10. They immediately hit me with a $35 overdraft fee. I bought a hamburger yesterday at Mc Donalds, with the overdraft fee, my balance was way over, it cost me another $35 in overdraft fees. I went online to check my balance today, less than a week after the initial NSF, and was shocked. I tried to call the branch, the phone numbers are not listed on the website. After going through numerous sources, I found the number and called. It was a fax number. I went online and called an 800 number and spoke with a customer service rep. She said they do not notify by email or any other way that you are overdrawn. So, being on Social Security as my income, I have to call my son, an active duty Marine, to ask for the extra $35 to cover my overdraft fees. I cannot close the account until I get the money from him. I am embarassed and angry. If they would have emailed me to let me know, and for less than $45 I could have avoided this and I wouldn't have used the card, now I have $70 (plus $7.45 and the cost of a hamburger) to come up with.
I would steer clear of this bank. The branch service was bad, and the fact that they don't let you know there is a problem with your account, so you could make it right.
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