Pissed Consumer - TCF Bank will not let me close my bank account

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TCF Bank will not let me close my bank account

Jul 18, 2008

TCF Bank complaint by Rhonda1311

I went to TCF to close several accounts I had with them on June 30th. I was assisted by the banks manager. Several days later I got an NSF notice on one of the closed accounts but figured it was a mistake. A week later i got another NSF notice on another closed account. I spent a day on the phone with TCF's phone bank trying to get someone to assist me only to be told repeatedly that I had never closed the accounts, that the accounts had active transfers and now were filled with fees to the point that i now had a -$250 balance on a closed account.

I tried to ask for supervisors or bank manager's phone numbers or anyone who could escalate the problem but kept being told i had to go to the branch again. But that trip got me nothing except someone trying to explain to me what "automatic" meant. Because when the account was open it had automatic transfers set up on it - despite my closing the accounts the transfers would keep automatically happening and any and all attempts to access that account would reopen it and start the transfers again.

After closing the accounts the first time my job accidently direct deposited my paycheck in the wrong bank. TCF claimed to have allowed them to reverse the transfer but never actually gave them the money back. When i went to close the account a 2nd time there was no money in the account and they reversed all of the bogus fees to get the account back to zero.

After i left the bank they redeposited the mistaken direct deposit, reopened the accounts, reinitiated the transfers and started charging me fees - namely a NSF fee because when my company tried to get the money back the full amount was transfered over different accounts.

Reporting them to the FTC eventually got me the regional manager who now claims the account is open yet a third time and i'm the only one who can close it by coming back into the branch. But he said that while they can give me a letter to say the accounts are closed, they can and will not absolve me of any further charges on those closed accounts for my own protection.

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Comments (1)

1. Written by Jose, on 21-07-2008 01:14

I am not surprise at your experience. I believe you wholeheartely because I was recently a former HR manager, Marketing Manager and Community Outreach Officer with this bank and all at the same time. I left the bank on my own volition due to stress, harrassment from the President of the Arizona bank who I reported to and from the Head of Retail for the Arizona bank who was in collusion with him in protecting her job and putting forward a positive image of the bank no matter what. I could not believe the incompetency from both of these characters and the errors committed by this bank on its customers. They are completely cold and insensitive to the community which they claim to serve. They are interested in bringing in as many accounts as possible and make it very easy to do so but then are very focused on making over 300 million dollars in NSF charges. I just had the President of the bank of Arizona actually come to my sisters house to collect on a debt that was initially over 30 days over due for an amount of $92 dollars but had been paid up to date 10 days before he arrived at my sister's house. You may ask why at my sister's house...well he was trying to track to collect on the debt, threatened to foreclose on the property that was used as collateral but that there was not enough equity in it to do so...all this on a few dollars that had already been paid...go figure. This guys are bad news and take it from an insider, never ever due business with them. TCF really stands for "The Customers is F*>% if you get my meaning. Caveat emptor...buyer beware.

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