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.