FRAUD

I recently closed an account with TCF Bank in Chelsea, MI. Without my consent they changed my policy not only once, but twice. Suddenly I was getting hit with a monthly $9.95 'maintenance fee' while I had well over the amount needed to avoid a fee. Then they changed it for a second time to an account that was 4 times the amount I had. When I closed the acount a manager tried to tell me that I had signed up for that from the start. After I started to mention that I was filing a complaint, the clerk who closed my account stated, "Just so you don't think you're crazy, they did change your account. Twice. " Then ponted out the dates. I recently saw a story on a newscast where they did the same thing to an 18 year old and he ended up getting reimbursed. I will do the same and will go to several newspapers if I do not get my 50-60 dollars back.

FRAUD

TCF (Chelsea, MI branch) changed me into different checking accounts without my knowledge not only once, but twice. I was unknowingly getting hit with a monthly $9.95 'maintence fee' when I easily had enough $ in the account I signed up for to avoid a fee. Then they changed me yet again, this time to an account where I needed to have 4 times the amount I had in order to avoid a fee. They got me for 50-60 dollars before I caught on. Admittedly I wasn't checking my statements (otherwise I would've gotten one fee and one fee only before I cancelled the account), but knew how much I had, so was clueless that they were raiding my account. Recenly saw a report on the news about an 18 year old whom had a similar thing happen at TCF. He ended up getting reimbursed. I am willing to file whatever complaints I need to and go to newspaper editoritals, etc.
KM

Worst bank, EVER

If you bank at this bank close it out ASAP! It's $9.95 every month you don't make 15 qualifying transactions. Even if you miss by one transaction you'll get hit with the $9.95 maintenence fee. Even if they made your account negative because of this fee you'll end up getting a $28 A DAY for 14 days in a row. If you don't make a deposit you'll end up paying $392 after the 14 days. I urge everyone banking here to close out their account and go to a better bank. They also like to say thay can't reverse any fees but being a former employee they can. They just get paid comission if they don't reverse that many fees. People that work for this bank are very poorly trained and annoy you if you go into a Jewel-Osco store. PLEASE CLOSE YOUR ACCOUNT TODAY!

Charging large fees to the working poor

Don't write checks against unavailable funds.

Where in their policies does it say they will not charge fees if you call and beg?

Charging large fees to the working poor

You know, promising a merchant money that you don't actually have could be considered fraud. Count yourself luck no one filed charges with the police.

Don't bank here

I agree and disagree. It's not only minorities they're f-ing over, it's everyone. I have 3 accounts with TCF (for now). The 1st one is with my mother. She had a stroke 3 months ago and has had suffered 4 more since then. Prior to the 1st massive stroke, she was having TIA's (mini-strokes). Because of that she decided to put together a durable power of attorney for me, should the worst happen. Which it did. My mother lives with us & with her income does most of the supporting of my family. I'm disabled and cannot work, have had a Worker's Comp case going on since 12/2009. As it stands, it looks like we'll be going to court. So I have NO income coming in on my behalf, in addition to that I've been a widow since I was 32 and have 4 children. Anyway, my mother has been taking loans out against her insurance policy to help pay the mortgage, insurance, bills, groceries, etc., stuff she normally pays for. I've been depositing them in our bank account. Two weeks ago I go online and it shows that our account has been closed. I called the 800 number to find out why. The person I spoke with was incrediabally rude and ended up telling me I needed to speak with the Branch Manager. So, I called her. She told me the account will remain closed until my mother can come in & sign some forms. I explained about the multiple strokes and informed her I had a Durable Power of Attorney to cover that. She then became snide & rude and restated that they need my mother to come in before they'll reopen the account. So, I've been working with an attorney about this. Yesterday, I went on to online banking to see what my personal checking account balance was. Guess What!!! ALL of my accounts, including my 19 year old son's had been closed!! I was like, what the f-k?!? I called the 800 number and was told that my mother needs to come in & sign papers!! I asked them how that could be, considering her name wasn't on any of the accounts they closed. She told me to contact the branch manager. So I called the branch (different one than the other) and asked to speak with him. I was told he was with a customer and should be done in about 1/2 an hour. I left an URGENT message for him. Anhour went by, no phone call. So I called back. Again I was told he was with a customer, but they could take a message. I told them AGAIN that it was URGENT I speak with him, my accounts had been closed and I didn't have any money to buy even bread, milk or water for my kids. He says he'll give him the message. An hour and a half go by, still NO PHONE CALL!!! I called back for the 3rd time. This time I was told he was and had been in a meeting with the other supervisors for about 5 hours. I said, "That's funny, the last 2 times I called I was told he was with a customer." To which I got a reply of, "I don't know why anyone would tell you that. Can I take a message?" I left the same URGENT message I had the prior 2 times I called. Then I happen to look at my clock and guess the f- what!!! The bank is CLOSED FOR THE NIGHT!!! Without me ever receving a phone call back to my urgent messages. So, I call today (Saturday) and am told that the branch manager is not in until Monday. I said I wanted to speak to the person in charge. So a lady picks up the phone, I explain everything to her. Her response? Joe needs to deal with this, he'll be back Monday. I told her that I now had absolutelt NO MONEY, for gas, food, etc. She says she's sorry but it can be dealt with on Monday. I said to her, it should've been dealt with yesterday when I left 3 URGENT messages for Joe and that in the meantime I would be putting together my complaint letters to the BBB, the consumer fiduacary board and the attorney general, then just hung up. THIS BANK HAS TOTALLY F-ED ME OVER!!! I just want to get access to all my money and get the hell out of there!!

Don't bank here

What do you have against paragraphs angmarie72?

they never send you a notice if you have a problem

This bank is very unprofessional with their customers. I wanted to close my account because there were no money on it. Suddenly it appeared that I had to pay for cancellation and including this payment my account went to overdraft. So I had to pay an overdraft fee up to $30 per day. The problem is that they didn't make any notice, they didn't call me or send a letter to inform about the situation. I am very unsatisfied with that.

Did not let me take the money

After I put $4000.00 to my account, later on I was unable to take it out. I asked if I could speak to the manager, and they declined my request. They did not let me do anything, and they did not want to help me. They just kept my money! What am I suppose to do in such a case???

Scam!

The loan that I had is paid out and I no longer owe anything. Recently I have received a letter Brad Willis who stated that I have to pay them another $450.00! This is insane! I know for sure that I do not have any debts! Where did this sum come from???