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Katherine

25.09.2021

Saint Paul, MN

tcf_bank

I have never had any issues with a bank until I opened an account at TCF. I had high hopes, especially since using this bank would be very convenient for me. Time and time again, I have been let down. If you want to be with a bank who cannot meet their own deadlines and penalize you for things out of your control, then TCF is a great fit for you. Almost all their employees lack expertise. They cannot answer simple questions or figure out what may be causing account issues.

Lelo

27.07.2021

Forest Park, IL

tcf_bank

Someone made fraudulent charges on my account so of course I called to deactivate my card so that I can receive a new one. They made me reach out to the company itself since I've done business with them in the past. The lady asked if I wanted to have my new debit card sent to me. I told her I would rather pick up a new one at a branch.. I waited until Monday because of course they are closed on Sundays and when I get there the guy told me that they no longer print out cards at the branch and this has been a rule since February 2021. Why was customers service not aware of this?

lina

13.07.2021

Schaumburg, IL

tcf_bank

I reserved my 17-night stay (June 28, 2021-July 15, 2021) with a third party Orbitz.com as I have used this vendor before. I prepaid June 28, 2021 ($1248.65) at 1pm online on orbitz.com for check in on June 28, 2021, any time after 3pm. I arrive at mainstay suites in Hoffman estates IL a little bit after 4pm and the gentleman’s name Dan who was at the counter and introduce himself as the manager. I gave him my itinerary# and he ask to see a photo ID and card that I used to pay I inform Dan that I have already paid. He ensured me that he needed to swipe my card as a reference and nothing will be charged on it. Lies, lies, lies. My card was charged $433.02. I received a notification from my bank.

Pam

4.07.2021

Aptos, CA

tcf_bank

In 2020, TCF merged with another company. During a pandemic, with no direction for what would happen next. I logged in to make our monthly payment on our second, which has never been paid late, and my log is would not “authenticate.” Tried resetting password. Denied. Tried entering account number, email, first born child. Denied. Got on the phone and was on hold for more than 2 hours, before being disconnected. Finally got through to someone, after multiple attempts, when the grace period had passed, had to pay late fees, had a hold put on our ability to access HELOC for 6 months, infuriating! And they knew this problem was happening to many people and took no responsibility.

Jason

1.07.2021

Minneapolis, MN

tcf_bank

About every 3 months they will find a way to charge you overdraft fees, even when your balance never dropped below $600. Just changed banks, after 2 years I've lost about $1,000 in fraudulent fees from this 'Bank'. FYI they are NOT accredited by the Better Business Bureau. There's your first red flag. Seriously I've dealt with some banks with sketchy practices. TCF Takes the Cake though. I have never experienced anything like this. How they are still in operation I'll never know.

Sandy

14.04.2021

Northville, MI

tcf_bank

The merger between TCF and Chemical bank has not been the easiest for customers including the suspension of automatic payments. This required setting up new account withdraws in a very unfriendly system. Over the course of the last 9 months there has been issues every month which has required notices and calls, and after each call being told things were set/good moving forward, just to have the same issues happen over and over again.

John

13.04.2021

Saint Paul, MN

tcf_bank

I had someone fraudulently access $400 on my debit card. I called TCF Bank the next day of me noticing the fraud. I filed a complaint, I canceled my debit card, filed a police report and got a new debit card. Later that day I got a call & text from the fraudsters threatening me. I reported this to the bank. A few days later, they denied my fraud claim. I am pulling all my business from TCF and want everyone to know to NEVER TRUST TCF. Stay AWAY.

Jessica

13.04.2021

Vicksburg, MI

tcf_bank

My husband has been burned twice now by relying on their app. As other users have stated, it is not kept up to date. You can check it every day (as he does) and see a positive balance... Then, without warning, multiple overdraft fees will appear on one day. My husband just spent the better part of an hour on the phone with a woman who sounded like she was on another part of the planet and it was like dealing with a robot. She did not have any empathy for the situation and did not resolve it. I do not recommend TCF Bank.

William

9.04.2021

Aurora, CO

tcf_bank

About a month ago I had a couple transactions go through my account that I didn't recognize totaling $183.90 so I called the numbers that were on my statement from the bank. Neither one of them had any recollection of why the money was taken out of my account. So I called my bank and filed a dispute. About 30 days later they refunded my money. Then about a week later they took the money back. They sent me a statement saying I was liable for the money that was taken out of my account with phone numbers to call the people who had took the funds.

Donald

30.03.2021

Loves Park, IL

tcf_bank

TCF very poor on fraud. I had my debit card hacked. Call bank. Stated I had to wait till Monday, their system not working. Call police and made a report. Call company that took hacked card. Took 2 weeks before anything happens. Then took the money back out of my account. Said they sent a letter. No letter. Stay away from TCF.

Niesha

20.03.2021

Milwaukee, WI

tcf_bank

The app is never accurate. This is the second time I went to sleep with money available so much that I transfer money out of my checking to my savings account! To wake up to 5 overdraft fees! I monitor my account regularly. Several times a day! The account was never in the negative on on my end!! They refused to give me my money back...made excuses and refused to take responsibility for the error on their part! There are time when I check and it says a certain amount, log back in later. It’s a different amount and does not add up! The math doesn’t make sense. Money is always missing out of my account and they can’t explain it. Do not bank with them, they steal your money! Class action lawsuit needed!!

Richard

4.03.2021

Chicago, IL

tcf_bank

Back on January 2nd TCF made a mistake and paid out an amount to a creditor I had asked not to make payments to anymore. The creditor changed up from what had been the standard withdrawal and made it a different amount and for more money. When I called to find out what and why had happened I was told they made a mistake and the money would be back in my account the next day. It wasn't so I called again and was told the same thing once again it wasn't so I called a 3rd time and told this time TCF was not going to refund my money even though it was their mistake. I filed the complaint and left it at that pissed off. I found out today that on 2/22 they refunded my money. Can complain can also acknowledge when they have righted their wrong. It took a while but they made good so kudos to TCF Bank. It has changed my opinion of them and I will be staying on with them.

Cody

17.02.2021

Lansing, MI

tcf_bank

Legit haven't been able to view my account info for about 3 days, can't get anywhere with the call banking, only bank I've ever had that tries to stay out of contact with you, blame you for everything even though it happens on their end. Pick any other bank than this one. Going to go to pnc instead soon.

Leo

9.02.2021

Milwaukee, WI

tcf_bank

TCF 'Customer Service' is miserable. First their website hides the number, then when you DO find it you are connected overseas where the agents talk entirely too quickly in broken English and that is only if you can hear them over the distortion from the connection. Inevitably their first line is to tell you to 'restart' or 'refresh' to handle the problem...anything beyond that they have to connect you to the next level tech, which means they put you on hold until you are forced to hang up (last call took me 20 minutes before I had to get on with my day). TCF has been the worst for a long time, their merger with Chemical Bank has only made them worse. Time to move to my credit union full time... am done with their garbage.

Laura

1.02.2021

Minneapolis, MN

tcf_bank

TCF merged with Chemical Bank. They charged a fee to one of my two loans as an overdue bill. After complaining and them falsely blaming me for their error...They agreed to waive the fee. My other loan is being overcharged interest by at least $25 per month. When I complained “Teri” stated they will charge me more interest, $200 per month. She said she’d file a complaint for me and then I’d hear from them. I’ve heard nothing from them. They lie. So what should be $153 per month interest and the rest applied to principal is $179 in interest and nothing applied to principal. Their excuse was two fold, their system did not take out a payment, which is automatic and has been for years now. And they stopped taking out $200 per month automatically which was what happened pre merger in order to pay towards principal. The approx 50 extra per month was to be applied to principal.

Brenda

21.01.2021

Dimondale, MI

tcf_bank

If I could avoid giving any star rating, I would. When Chemical and TCF banks merged, my nightmare began. Having a home equity line of credit, all that is required is to make the minimum payments and provide a copy of homeowners policy. After the merger, I received a copy of the policy change that showed TCF on the policy; which means TCF received a copy as well. First I received a "Second and Final notice to provide proof of coverage" and, in response, a copy was mailed. Next, a letter of "forced" coverage levied upon the balance of the loan. I called the loan department and was placed on hold, after being asked for my phone number "In case we are disconnected and she could call back." I hung up after 15 minutes on hold and am still waiting for that call back.

Gwendolyn

21.01.2021

Wellington, CO

tcf_bank

I’ve banked with TCF for 7 years and have dealt with the rudeness of their customer service reps and stupidity of branch managers. There is not even one good thing about this bank. Literally ANY other bank will be better than tcf. I tried closing an account for 2 years and ended up getting charged $10 for it being dormant. Then I was forced to drive to a tcf (3 round round trip) only to get told I can’t close my account without my original license. They have one file since I moved out of state. Seriously?? Why?? Now I have to go back AGAIN and now with my husband to try and close this account. Worst bank ever.

Kevin

11.01.2021

Arvada, CO

tcf_bank

After 22 years TCF during a pandemic decided that with no direct deposit due to layoffs, I should be charged 10 bucks to my account. What a blood sucking bank this is. Don't choose them for anything! So sad I did.

Erica

31.12.2020

Hanover Park, IL

tcf_bank

I have been very frustrated and dissatisfied with the merger. The online banking is horrible. Transactions that would normally appear online right away, don't. Then some transactions appear 'pending' and the next day are gone. I balance my checkbook daily and the current balance does not match what I have. For some I can tell why my balance is lower (a transaction recently made) however it's not reflected in the 'pending'. When balancing my book daily, the balance should match all pending & posted transactions, if they don't appear in pending, then my balance should not reflect them. I have been sooo frustrated and considering switching. I've been with TCF since 1990 when I was a teenager and started working. I did once call the customer service, they took down my comments but just said they're working on it. Seriously, this has gone on for months now.

Lisa

17.12.2020

Big Lake, MN

tcf_bank

25 years of banking with TCF, with little if any problems....until this year. They merged with Chemical Bank, and it has become a nightmare. Deposits disappear and show up days later. Funds not available in a timely manner. ATM's down all the time. Customer service is based out of country....Very hard to understand reps. Excuses for all the problems....Very little communication with their customers. TCF has gone downhill, fast. I don't trust them, at all. I am now looking for a new bank....AVOID TCF BANK!

Lisa

30.11.2020

Hanover Park, IL

tcf_bank

Banking with TCF 15 yrs. They don't take rolled coins, no notary public, use to be open 364 days a year. Now they closed all holidays and open about 50 hours a week. When you work 40 hrs and have to drive to your job. Not much time to get the bank. And now they closed my bank indefinitely. How's that for customer service?

Vijea

22.11.2020

Rosemount, MN

tcf_bank

This company is super unethical. They pressured their employees to opt in their customers of overdraft protection so they can charge them fees. Their sales goals were unrealistic so people would open accounts for their family members and sign for them to meet checking goals. I don’t recommend banking at any TCF Bank.

Steven

16.11.2020

Lonsdale, MN

tcf_bank

At one time TCF was considered a nice, reliable hometown bank, and for 15 years that was my experience. About 3 years ago I began having occasional technical problems with accessing my account online, or downloading transactions into Quicken. I would contact customer service through their Facebook page to report the problem, and it was usually resolved fairly quickly.

Pamela

3.11.2020

Howell, MI

tcf_bank

I went to check my account and my checking account disappeared and so did my money in my savings account. I am on Social Security Disability and need what little money I have. My SS check is deposited to my checking account which is no longer showing. I am so upset and will be changing banks ASAP.

Jo

29.10.2020

Grawn, MI

tcf_bank

I have been on phone trying to get ahold of someone. For over 2 hours put on hold. There is no local phone number to call this bank. Inly a 1 800 number which is all automated. Wouldn’t you think a bank would have phone numbers locally to be able to speak to a person. I am totally flustered. I will have to go to bank tomorrow myself to speak to someone. Very poor customer service. Do not recommend this bank.

Ronald

21.10.2020

Romeoville, IL

tcf_bank

Our investment club just lost 2.3% of our available balance, due to something called "Less Average Float". Can someone explain this? It's bad enough TCF charges $3.00 for paper (and we know this is just about pure profit). The statement is undecipherable -- Average Negative/Positive Collected Balance; Positive Collected Balance; Less Non-Earnings Balance; Investable Balance and the final Excess (Deficit) Balance. And we lost $8.33 to something called float -- it's like they took the money from us (free $$$ to them).

Laura

6.10.2020

Mechanicsville, VA

tcf_bank

If you value customer service and easy to use tools, do not pick this company. It is extremely difficult to get through to any services and their Command Line protection services give customers different answers every time. I've been transferred multiple times and then hung up on multiple times before even speaking to someone. There is no way to escalate or email. Even before COVID, wait times were long, but now are running "greater than 60 minutes". I was on hold for 60 minutes and then asked to speak to a representative and it said "we seem to be having trouble hearing you, goodbye".

Frankie

5.10.2020

Phoenix, AZ

tcf_bank

I live in AZ and my TCF branch was sold to Alaska Fed'l Credit Union. TCF did not inform its Arizona customers that their on-line access to their TCF account would be terminated when the Alaska Fed'l CU sale was finalized. It's been several years since I utilized paper statements, so I had not printed any of my TCF Bank checking account statements and now no longer have on-line access to my former TCF account since TCF "closed" my account when the change over to Alaska Fed'l CU occurred.

DIANNA

2.10.2020

Minneapolis, MN

tcf_bank

Ever since TCF completed their merger I've had issues being able to see my balance, posted and pending transactions. I log in successfully and there's no notes of site being down for whatever reason. Clearly logged in but nothing that shows account activities. This is pause for great concern as it's happened too many times since merger. Thinking of transferring banks. Wait time to call customer service is not acceptable either. Don't need this type of stress..

Sonya

29.09.2020

Milwaukee, WI

tcf_bank

On September 16th I received my payment from my employer. That's when I noticed two purchases made that totaled $126.98 on Sept. 15th that I didn't make. As I looked further, three more purchases were made on Sept. 16th totaling $229.97. So a total of $356.95 was taken out of my account fraudulently. In the descriptions there were websites given with Chinese names. Clue #1, right? I immediately called TCF on Sept. 16th to report it. I was told it would take 5-10 business days to investigate and to watch my mail for a letter telling me of their findings - basically if they find in my favor or not and when the money will be deposited back into my account IF they rule in my favor. In the meantime I was issued another bank card and the old one shut down.

Debbie

26.09.2020

Arvada, CO

tcf_bank

We've had a business account at TCF for 9 years and have had no complaints until now. I understand that in this merger the TCF name was kept but the system was changed. My first issue is I hate the new statement format but I also hate change so I assume I'll get used to it. My second issue is lack of knowledge with the employees-when I called trying to get an August statement as the one I was getting online was Aug 9-Aug 30th-they told me they'd mail me one and it would be the format I was used to. After not getting it I called again and this time it was explained that the actual switchover completed 8/10 or so and therefore I will have a statement from 8/1-8/7 and a statement for 8/9-8/30 and the old format is gone.

Jason

25.09.2020

Seattle, WA

tcf_bank

6 weeks ago I called TCF to ask why they have removed the credit line on my HELOC despite that fact we have been paying considerably more than the minimum payment and we have a huge amount of equity in our property. Was on hold for THREE HOURS whilst I waited to talk to someone, and then when I did they knew nothing about the HELOC product and promised to have someone call me back to discuss. No one has ever called me back. Tired of waiting for a callback. I emailed them... 3 Times... Still NO RESPONSE.

claudia

17.09.2020

Flint, MI

tcf_bank

I check my account daily sometimes a few times a day. I looked before I bought this last night. Had enough for it. I woke up this morning to see 5 overdrafts. I'm unsure how that happened because it still says I had enough in my account. This isn't the first time this has happened. I'm very unhappy with this bank and would tell everyone to find a new bank. I've been with Chemical Bank that switched to TCF Bank and never had a problem ever. I'm closing my account and making sure everyone knows what they are about. It's a bad place to bank!!!

Mary

16.09.2020

Beaverton, OR

tcf_bank

This bank has gone through a merger or acquisition and there is no way to either talk to a live person or to email them about issues or questions directly. Then when you cannot get your issue resolved they send you a late payment notice. What does it take to talk to a live person. You call and the recorded message now at least tells you it will be over 60 minutes...Who has that kind of time?

Robert

11.09.2020

San Carlos, CA

tcf_bank

I need to pay my mortgage and no one answered the phone after a 6 hour challenge in the queue. The bank merge apparently resulted in an account number change and I was not notified. At this time, I still have not paid and I cannot reach customer service. I can't pay online because MY ACCOUNT NUMBER HAS CHANGED without any notification. I always pay on time and now I cannot. So frustrating and demoralizing. Anyone got a number that works?

Abby

11.09.2020

Kirkland, WA

tcf_bank

My experience with TCF has been atrocious. Getting into their payment center has always been a challenge and recently it's been deliberately impossible. I had an auto-pay set-up on my loan and they decided to quietly cancel it and then say that I was "past due" on (wait for it)....$7.68. Yep. So I couldn't login to check the payment because all of a sudden the account and note info they gave me was "incorrect" (it's not, the system is just programmed to reject you - I know because when I finally got through to customer service it worked), no one would respond to my email queries and then BOOM they cancelled my payment without telling me to ensure I would have a "late" payment. Can someone close this organization down?? I don't see how this is legal. After waiting a LONG time I finally got through to a harried customer service agent who allowed me to pay off that whopper of a balance so I can wash my hands of them.

Beth

10.09.2020

Denver, CO

tcf_bank

My brother was a TCF customer when he died 2 and a half years ago. Every month, despite having gone into the bank with the death certificate to close all accounts; and being told 3 times it was taken care of, my mother has received statements of small finance charges being taken from the 45 dollars they wouldn't allow her to withdrawal from the account. It is now an overdrawn amount for a dead man. No amount of calling or going into any of their centers has corrected any of these issues. Ridiculous excuse for a banking institution.

Susan

4.09.2020

Utica, MI

tcf_bank

TCF merged with or bought Chemical bank which holds my mortgage. I have had nothing but trouble ever since! I have been making additional payments to principal on my house. Even when doing transactions with TCF staff they are misappropriating the funds and putting the money towards my regular payment. This is ongoing for 4 months and numerous calls to both 1-800 number and bank branch do not resolve the problem. I am trying to get online access to TCF and even this simple thing is being a huge headache! The system keeps texting the needed verification code to my land line. EVERY time I call customer service the wait time to speak to someone is in excess of 60 minutes. And the problems do not get resolved. RUN... don’t walk to any other bank in the world but don’t use TCF. I wish I had a choice but I am stuck with them. Plan to call an attorney soon as they keep misappropriating my money.

Lisa

4.09.2020

La Crescenta, CA

tcf_bank

9/04/2020 at 4:15 pm PST. I have called 4 days in the last 7 and have been unable to get through as the line is either busy, or after waiting for quite some time, the line goes dead. Today, after waiting on hold for over 60 minutes, a male customer service rep who did not identify himself, seemed skeptical that I was unable to login to my account and walked me through the rudimentary steps of 'forgot my password' and so on which I had previously tried. After determining that this was not working, he simply hung up on me. (I'm very careful to not be rude.) I have not received a statement in the past month and I need to see the status of the account. Craig R. Dahl is PRESIDENT AND CHIEF EXECUTIVE OFFICER.

Lanaiyah

3.09.2020

Chicago, IL

tcf_bank

So my I’ve been with TCF for about three years and never had an issue but today I logged into the app and it says no card is activated under my name out of nowhere. I’m trying to stay calm but I can’t. I need my money and it just disappeared out of nowhere.

arthur

2.09.2020

Chicago, IL

tcf_bank

Have been trying to get ahold of a person on the phone for 2 days. The 1st day 1 1/2 hrs on hold. Now on hold again. Who has this much time to hold. Tried to access my online account using my Id and Password. Says it's invalid. Try to get new password. Says email and account #invalid. Cannot pay my loan. This is the worst online and phone service I have ever experienced. If I could talk to someone that would be great.

Daniel

31.08.2020

Rio Verde, AZ

tcf_bank

I had a HELOC with TCF Bank. I sold my house and escrow attempted to get a payoff statement, required to close the escrow and clear title. They sent FOUR faxed requests over 21 days to TCF with no response. We called and waited 2 hours, 20 minutes to get someone to answer, and they could not help us: "It's a different department, and that department does not take calls." Escrow delayed - they still haven't provided the required info. Do not use this bank!

Wendy

26.08.2020

Mount Vernon, NY

tcf_bank

I opened a HELOC with TCF in 2017. Given current 2020 low rates mortgage rates, I opted to close the heloc so that I can refinance my first mortgage without a hassle. I called TCF, I received a payoff quote and was then told I could not pay more than 10,000 per day. (I was then told that was wrong, I could have paid it all off in one day. Incompetence #1).

Alexandrina

25.08.2020

El Paso, TX

tcf_bank

I opened my account with TCF back in 2011 after having a nightmare of experience with Wells Fargo. TCF has always been honest in the way I've never had any mysterious charge, or monthly payment. There was a time when my debit card was cloned and they took care of it right at way. Even though I moved to a state where there are no branches I use my online banking and it's so easy for me. Customer service is always great, I highly recommend this bank after the nasty experiences that I had with others. I don't feel the need to open an account in a local bank at all.

Steve

25.08.2020

Porter Ranch, CA

tcf_bank

As of today no customer service, I waited for 2 hours NO ANSWER on their 800-823-5363. I called first thing this morning central time 6:00 am pacific time. This beyond ridiculous... I have second mortgage. Portal is not.

Kamri

25.08.2020

Lahaina, HI

tcf_bank

I have had countless issues with TCF in the past and lately feel as though I cannot trust my money to be kept with them. Next to poor customer service and inadequate phone systems, their online banking and mobile app are garbage. I was unable to access my accounts on more than one occasion over the last 30 days. I have had my card locked on multiple occasions without any alerts being sent and now I am so desperately trying to access my accounts in order to transfer money and pay my rent but it suddenly appears ALL OF MY MONEY AND BOTH ACCOUNTS ARE NON-EXISTENT. I am doing my best to not freak out but have yet to get through with any phone calls nor can I find a way to leave a message or email. When I find out where my money has gone I am taking it all out and finding a more trustworthy bank.

Brian

24.08.2020

Corona, CA

tcf_bank

Horrible customer service. I mean absolutely horrible. Representatives are not very knowledgeable, or they try to mislead you. Told me the incorrect loan balance multiple times when trying to make payments. My latest call took TWO HOURS to speak to someone. They don't even have a call back service. It's 2020 people. Get it together. So you literally sit on hold for two hours listening to some awful music. There are enough banks and lenders out there - steer clear of this company.

JOHN

23.08.2020

Minneapolis, MN

tcf_bank

I have dealt with TCF for at least twenty years. Their customer help was so-so, but they were always there for the customer. I now have zero access to my accounts and after an hour on the phone I was given a new password and told that it might work the next day... It's time to look for a bank that is protective and grateful to have customers. There are many banks so to remedy the extremely mediocre job setting up accounts during their merger another bank might be a good choice at the present time. There is not any avenue to take to get decent help if one needs it and it's really a shame.

Luis

21.08.2020

Naperville, IL

tcf_bank

If you're having issues with your TCF debit card or accessing your account, you're not alone. Mere hours into TCF's merger, I was not able to use my card for anything, I was given incorrect account balance, was not able to use the automatic draft for bill payment, couldn't access the website for online banking and was not able to contact customer service for any of it. I have gone through many merges, however, never like this one. I guess they also save money on the IT group that they hired for the transition... Incompetent, extremely poor decision. Do not waste your time visiting the actual bank locations.. Their employees were not trained to handle the mess that they have created. Will close my accounts this coming Monday and will advise for you to do the same.

Roberta

19.08.2020

Lakeville, MN

tcf_bank

Since TCF Bank has made themselves into new tcf bank, my checking account has been a complete disaster. First I get a balance of 9 dollars when I end my day. Next morning 269.00, a lie that I drew out 100.00. Now they claim I am 130.00 over drafted. They have you sit on a phone waiting for customer service. The service rep sounds all muffled, has no clue how 260.00 showed up into my account.. Went to the branch bank with same questions... Duh we don't know... I call to check my purchases. I get miscellaneous items. No explanation of my purchases. Then I get hung up on. Or wrong account pin number, I've been at tcf bank for many years and I'm ready to dump them and find a bank who knows what they are doing. Tonight I go to sleep again because these fools have messed up mine and every one else's accounts.

Richard

18.08.2020

Chicago, IL

tcf_bank

We've been with TCF for 15 years, and they've gotten worst every time. Plus, every time I try to deposit in a check, it takes a very long time to process, especially on weekends. But this time, it didn't went through AND AAANNDD, they took my deposit off my statement. Tried going to the bench where I deposit the check at 4042 W foster Ave at Jewel Os co, and they didn't know what to do. Plus I got over-drafted 3 times for no good reason. When I asked about it they were clueless on what to fix and kept making up excuses. Tried calling Customer Service, It's just as bad as the benches and YOU HAVE TO WAIT 30 MINUTES JUST TO GET SOME RUDE LADY that tells you "oh yeah it's just an error. We're fixing it". Yeah that's what you guys said last time. DONT AND I MEAN DONT go to this bank. My dad is with TCF and I'm switching him over to Chase bank.

Kathyrn

17.08.2020

Portland, OR

tcf_bank

What is going on?! New website is full of inefficiencies and errors and in our case no way to set up payments. Forget about getting in touch with customer service without waiting over an hour and a half or more. What a dumpster fire.

Bridget

17.08.2020

Joliet, IL

tcf_bank

Horrible customer service. 20 year customer with deposits available immediately, changed policy to a 2 day hold on checks with no warning. New Lenox branch open on Saturdays but when I went to make deposit on 08/20/2020 there was a note on the door saying closed due to "IT" issue. Called they said to come back in 30 minutes which I did and branch still closed with a parking lot full of cars. Called customer service today and was treated poorly. Called New Lenox branch and same treatment. Said I will be in to close account tommorrow she simply said "okayyy."

Judith

13.08.2020

Hartford, MI

tcf_bank

The digital banking is a DISASTER. For two days and counting I cannot log in and when I call "Customer Care" I am told there is a 35 minute wait with no option for them to call me back. What an incompetent MESS!

Terry

11.08.2020

Colorado Springs, CO

tcf_bank

For over ten years, I’ve loved my local branch, but get highly upset calling the 800 number. Recording for years always says sorry, due to the high volume of calls... Hire some extra help! When I call, their prompt choices are not what I’m looking for, as it continues to offer more choices, I just want a representative. When I do enter my account number, it’s a waste of time, they will ask it again “for security purposes” (inefficiency). I press 0, but it ignores me.

Miram

11.08.2020

Minneapolis, MN

tcf_bank

The customer service is horrible. The overdraft fee is $37. I hate this bank. One time I had good customer service and they did waive my $70 overdraft fee. But now during COVID, they wont waive my almost $40 overdraft fee, even though I couldnt check my account because the app was under construction and ALL customer service numbers would not even ring. I hate this bank and the rude customer service people who work there. I am on hold now and if they do not waive this fee I am closing my account. I have my overdraft option TURNED OFF, so they shouldnt even be able to overdraft my account. DO NOT BANK HERE!!!!

Marie

11.08.2020

Cottage Grove, MN

tcf_bank

I have had an account with TCF since the 80's. When I was married in the 90's I closed my single account and opened a joint account with my husband. Recently I needed to order a new debit card. It arrived but not with my name. I was told I had to go into the branch. I was annoyed as I have a full time job, a part time job and I take care of my elderly parents on top of everything else. TCF made an error and felt no compunction about putting me in a position where I had to leave work early to go to the branch to fix the error they made.

Jason

23.06.2020

Denver, CO

tcf_bank

This bank has been a nightmare. I have other accounts, but have kept this one since I was in college. Everything that can go wrong, WILL GO WRONG with TCF. Once again, they are requiring me to change my PIN and once again, they cannot help me change my PIN. Tomorrow it will be some other ridiculous problem that they create, then blame on the customer.

Donna

9.06.2020

Mchenry, IL

tcf_bank

The dollar amounts in the app are never correct and I have found a way to make multiple screenshots to prove it. If you do not balance to the dollar and realize the amounts are off they immediately (within an hour or two) hit you with an overdraft fee. I have tried to tell them it's wrong but they only want the money it generates. Will be switching banks but if anyone is in for a class action suit let me know. Yesterday I had 260 in my account. Spent 180. Now today I am negative 35... Does that math work for anyone else? And then add the insufficient funds charge that is already there... Taking advantage of people during these times. Shame on them

Jerry

22.05.2020

Pontiac, MI

tcf_bank

I paid for two pairs of Nike Tennis online. And I seen were the money was pending. The next thing I don’t see the transaction of payment. What they did was Delete my payment and re-issue a new amount on my account. Have a me to believe that Nike was already paid for the merchandise. Come to find out they didn’t get the money. Which could’ve caused my account to overdraft. I feel if I buy something online and it is legit. Pay the people and quit playing games with my money.

Kirk

20.04.2020

Wyoming, MN

tcf_bank

I applied for a PPP Loan weeks ago to keep and pay my employees, today they call me requesting more information...You have to be kidding!!! All my business owner friends got their loans days and weeks ago, goes to show who the upper class banks are and it's not TCF!!!!

JOSEPH

18.04.2020

Calumet City, IL

tcf_bank

Case# **. On Friday 04-03-20 @ 10:27:58 am, I deposited $650.00 with a deposit ticket into the money intake slot of ATM#7001208 in Calumet City, IL 60409, @ Torrence & Sibley. The screen showed me my deposit ticket, clear as day, and said "I cannot read your check". It then issued me a slip that said “We encountered a problem returning your check. Please contact your financial institution." It kept my money, 5 $20s, 11 $50s and the deposit ticket. Bank door was locked because of coronavirus, no one would come to the door. I called customer service, then and there, in the parking lot, they said it would correct itself overnight. It did not. I called again Sat. 04-04-20, same answer, both times TCF refused to open a case# or dispute ticket. I have called on phone at least 25 more times and spoken to someone, they all said, “We will look into it,” someone finally opened a case#**.

Damian

14.04.2020

Aurora , CO

tcf_bank

I was with TCF Bank for years. I tried the business account with them and they sucked. So I closed it. My checking account They never update my address! So I had the regular checking with them. Never sent me any letters but closed my account without my knowledge. Said I owed 55 dollars for PayPal trying to take money when I know they take from a different account! Didn't want to argue so I just paid it! I went to the bank today and the lady just giving me a attitude. So I just paid it to get rid of them. And don't get me started on their credit card! Because it has their name but it's not theirs so you can't Make a payment through them or get info.

Melissa

7.04.2020

Hometown, IL

tcf_bank

I contacted Tcf home loan department and spoke to a Ramsey ** who said he’d like to handle my loan. Biggest mistake I’ve ever made. He promised a 15yr loan at 3% provided a pre authorization letter. After he kept lying and saying he never received certain documents that were in my sent box that I’d already sent to him at least 5 times each. The guy is just completely incompetent. He had me and my husband do an electronic consent and the dummy put our current address not the purchase property which I have a screenshot of. I called to complain to someone else in the department and they literally just turned around and told him. He called and was yelling at me and belittling me while I was 32 weeks pregnant. (Big tough guy, right?) Thank God my Ring picked it up.

John

6.04.2020

Glen Ellyn, IL

tcf_bank

I THOUGHT Banking here would be a convenience with multiple Outlets at Target & Jewel Foods; for a little guy, they've made $$$ off of me and I'll explain how. I DO/DID use their L.O.C. attached to my Checking Account-a $10 Fee plus 1.85% MONTHLY if not higher on unpaid Monthly Balances. Checking Account hacked twice in less than one year- went to 8-Digits- recently told me I have to go back to 4 Digits. Couldn't explain why they thought that 10x10x10x10 when selecting a Pin # was safer than 10x10x10x10x10x10x10x10 i.e. an eight-digit random number-so unless I leave and I WILL BE-100% confident I'll be hacked again.

phillip

3.04.2020

Clovis, CA

tcf_bank

I talked to customer service a few times. Very helpful but some of the people in customer service are not. The last one I talked to was very short and did not care about any of my problems. She did not give me her name. I had to ask who I was talking to. I wish I could give you her name, and you could call back a try to get someone else. She was very short. Sounds like she did not have time to talk to you. It's too bad that this is the kind of people answering customer service phones.

Jayda

21.03.2020

Chicago, IL

tcf_bank

I tried opening a checking and savings account with them in November. The money I deposited when opening the accounts "never went through on their end". However, when looking at the statements from my debit card, which I used to open the accounts, the money was obviously taken. I called many times, even went to one of their branches. I kept getting the runaround. They told me the money was already refunded. I never received that money, so I had to end up filing a dispute through my card company, so that they could get the money back. The dispute was won, and I got my money back in January. Now all of a sudden, two months from January, they're sending me a debt collector's notice saying that I owe them money. Money that for some reason they're saying was never there. Don't trust them. They are a very fraudulent company. They shouldn't even be in business.

Donald

4.03.2020

Farmington, MN

tcf_bank

My son got caught up in a fraud scam and was allowed by TCF Bank to cash $7,700 in checks with less than $1,000 in his account, as apparently TCF does not follow their own Funds Hold policy when it comes to cashing checks (7 times greater than available funds) even though we subsequently received funds holds letters on the checks he was able to cash. All I was told was the checks were allowed to be cash due to "teller discretion" and I would need to speak to the Branch Manager.

Randy

27.02.2020

Minneapolis, MN

tcf_bank

They are stealing from customers with fake overdraft fees and when you cut the card off they continue to let vendors bill you so they can continue to collect overdraft fees. What they are doing to customers is worse than Wells Fargo. I'm reporting them to the Minnesota Attorney General Office. What else can I do? They stole 256.00 in overdraft fees and they said the account was closed. Please help.

Rhonda

21.02.2020

Colorado Springs, CO

tcf_bank

This bank shut my card down on me constantly. When I drove otr, left me stranded on the road for hours and days with no money. I even had to sit in an airport for 8 hrs because they wouldnt allow me access to my own money, but other companies is were allowed to take my money even after I contacted them as to a company overcharging on my card and an amount they did not have permission to do. Their dispute dept is a big joke. They told me they denied my dispute because I purchased something from a vendor!! After this vendor tried to get my money twice and TCF wouldnt give it to them, on the 3rd try they just gave them my money, after I had even contacted them that this business helped themselves to an extreme amount that I did not approve.

Evangelin

30.01.2020

Fraser, MI

tcf_bank

I closed my account because of bad service. Any questions you asked them they don’t know ask for numbers to corporate they don’t know. After my account was closed they still let merchants make transactions on my account. So In other words my account status says closed however it is still open. When I call to find how is this possible they don’t know is what I was told. They are forcing my account to stay open even though I closed it a week ago. This sounds like something illegal to me. I will be contacting an attorney about this matter.

Barbara

30.01.2020

East Lansing, MI

tcf_bank

The bank does everything to make sure you can't reach someone with a question. The only option after scrolling and scrolling to question is to tweet!!! If you call a main number the service staff are clueless. They make it hard work to find a number to contact customer support. I've had digital banking for many years and all of a sudden my payees are missing, history of payments are missing and the only answers I get is it's their vendors' fault and they can't do anything about it! I am so disappointed in a bank I have used for many years! Definitely switching.

Anita

16.01.2020

Minneapolis, MN

tcf_bank

My family and I have been banking with this bank for 5 years and needless to say, I will be closing my 2 accounts. My experience with this bank has been stressful and unpleasant. Overdraft fees and charges out of the blue. No legit reason why. You can have money in your account at the time you make one or more purchases and a few days later you have overdraft fees on your account because they claim your transactions were still pending. I hate I ever did business with this bank. I hope all their locations go out of business soon.

Ashley

24.12.2019

Chicago, IL

tcf_bank

This bank is horrible!!! Money is constantly going missing. I check my account after every transaction to see if it has been deducted and it’s always taken out right away. Last night there was money in my account and this morning my account is negative!!!! They said it was from pending transactions. But once again I always check my account after a transaction and they always deduct it right away. I will be closing my account!!!!

Dorien

24.12.2019

Aurora, CO

tcf_bank

I'm a current customer with TCF Bank, my experience with them is terrible. I had automatic bill pay. I had to end it because every time TCF paid a bill sometimes they would pay by check which would cause me to have at least 3-4 overdrafts at $37 each overdrafts. I called the 800 number, spoke with a supervisor, I mentioned that I signed up for the automatic electronic bill pay not to you to send a check. I was told by the supervisor it's the bank discretion how they choose to make a payment either electronically or check. Now I'm a negative $206 in overdraft fees.

Jerry

21.12.2019

Palatine, IL

tcf_bank

Horrible service. Any problems will be pushed on to next employee. No one will help you. Banks are supposed to work for you not the other way around. I've been a customer for 2 years and will be closing my account at this crook bank.

Ibrahim

20.12.2019

Minneapolis, MN

tcf_bank

I was a customer of TCF bank checking account many years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, without no warning or reason given I received a letter from them informing me they were closing my account. I wonder if they choose my unique name or my faith and no due process for the reason the account is closing. I will move my money to different Bank and will cross my fingers, because any bank can do if TCF can do without paying any price.

Dennis

24.11.2019

Saint Paul, MN

tcf_bank

I was a customer of TCF with the same checking account for 30 years. Never had a problem. Always kept plenty of money in it. No overdrafts. Totally out of the blue, with no warning or reason given I received a letter from them informing me they were closing my account. I tried calling them numerous times to find out why they were doing this. No one would or could tell me. I was polite and business like and they were anything but. I finally got someone on the phone who told me he would look into it. He came back on the line after a minutes or so and tersely, bordering on rudeness, informed me that TCF reserves the right to stop doing business with anyone it chooses. I gleefully, finally blew up and used what can at best be described as colorful language with this clown.

B.

23.11.2019

Waukegan, IL

tcf_bank

I have been with TCF for years and I am so happy I will finally be switching after my next direct deposit hits. I have ALWAYS had overdraft fee protection on my account. If the money is not there I don't want it to be able to be spent. Unfortunately they don't honor this. If you try to use your card then the transactions would be denied but unfortunately I had Netflix pull from this account before. For some reason they decided to pull and TCF allowed them. I contacted Netflix and told them that they are pulling from the wrong account but TCF doesn't fix problems with a place you have done business with in the past. I have recorded phone conversations and talked with Netflix in their face but my dispute gets returned because as I previously stated since I did business with them previously they won't dishonor the transaction. I am done with these people. They feel they can do whatever they want with your money and they should shut down.

Mona

11.11.2019

Harvey, IL

tcf_bank

So disrespectful to the customer Privacy. My parent passed away and I went to back to how would they respond to me as someone who doesn't have a account with them. But came with questions. I spoke with a lady about my parent account. She ask for only the Death Certificate. She put the ss number in, told me the account was close, ask me what's my name I gave her another name. At that time I would've thought she would have asked for my ID. Instead she told me who was the beneficiary and when the account was close and the amount that beneficiary received. She didn't know who I was cause she didn't ask me for me ID at all. Instead she told me all I needed to know. You must check to make sure your privacy isn't invaded.

Asia

5.11.2019

Chicago, IL

tcf_bank

This is the worst bank ever. Customer service sucks! Sometimes you can’t even access your own money!!! When you can to speak to a supervisor they hang up on you or lie and say one will call you back within 48 hours. Only good thing is no monthly fee.

Matthew

20.10.2019

Littleton, CO

tcf_bank

I have been a customer with TCF Bank for maybe 13-14 years. I had very few issues with them, and nothing that was outside the realm of normal banking stuff. I had a checking account, and that's all. After being a customer for a couple of years with them, I moved out of the country for work. I kept my checking account open as a way of paying bills back home and generally keeping a presence in the country. For nearly 10 years, almost no issues. I would log in to their online banking maybe once every 3 months to check that everything is on the up-and-up, and that's it.

Jungwoo

9.10.2019

Madison, WI

tcf_bank

They have one of the worst customer services I've ever experienced. A check that was deposited to my account was put on hold and they never told me why. It's been over a month, my bank account is negative and I can't spend any money. I call almost every day and they keep saying "wait 2 weeks" even though I've signed the check endorsement form 3 times. Yes, 3 times in the last month. Some of the customer reps have no idea how to help so they end up putting me on hold for a long period of time just to tell me, "sorry sir I don't know what's wrong." or "please just a wait a few weeks." First they tell me to wait a few days and now it's been over a month. What a joke.

Steve

7.10.2019

Boca Raton, FL

tcf_bank

This loan is worse than any high interest rate CC, I am in Real Estate for 20 plus year. This has been a mistake for involving clients into this product. There is NO customer service available on site or by phone. Any issues are. Buyer beware, know what you are signing and getting involved into as with anything.

Rob

3.10.2019

Costa Mesa, CA

tcf_bank

Wow, what a joke. In agreement with most other reviews, this place has no customer service. For my particular experience, they never sent me my debit card or the "welcome kit" they claim to send out. After a month I finally contacted them and they arbitrarily closed my account, without notifying me at all! Of course they conveniently kept my money I deposited. When I asked when/how it would be returned to me the customer service rep said "you can feel free to go into any one of our branches and pick it up." I then explained I live out of state now and that would be impossible to which she immediately replied "it has been mailed to you sir." Really? so it's available to be picked up AND it's in the mail? Instead of running down that rabbit hole I simply asked when it would be mailed, she put me on hold for 15 minutes then told me "2 weeks". Complete nonsense and outright lies to their customer. Avoid this cheap fraudulent bank at all costs!!!

David

23.09.2019

Skokie, IL

tcf_bank

My wife and I control her mother's finances. She has a CD at TCF for a 100K plus. We wanted to withdraw 10K to put into her checking account. We expected to pay a small penalty and we were told it would be slightly over $100.00 a high amount considering we have done this before with other CDs at different banks. And then to our surprise we were told this CD was only drawing .15 percent interest, next to nothing for the past 9 months. When we asked why, we were told it automatically renewed at the lower rate. We then asked why we weren't informed and were told a letter went out (which we never received).

Mike

16.09.2019

Hendersonville, TN

tcf_bank

If I could give them less than 1 star I would. TCF made our relocation to another state awful when they abruptly closed our account due to unusual activity. Not a single warning call or text to verify if the usage was ours and we were left without access to our funds because of it. They required a certified letter in order to allow us to get our money out of our account. Thanks for wasting the last 20 years TCF and treating long time customers like they were trash. Glad there isn't a branch in our new state.

Mary Jo

12.09.2019

Minneapolis, MN

tcf_bank

I too went to TCF Bank in Robbinsdale to cash in my 40 dollars in coins and only got 14 dollars back cash! The machine kept spitting out my coins and the manager said to keep feeding the coins in. The machine was fixed on only calculating 6-7 dollars and that was it. I should have stopped the first time and take my money. I talked with the branch manager after that and he said, "How much did you have?" and I told him I counted 40 dollars before I came in. He did absolutely nothing other than give me my 14 dollars that I had paper receipts for. I should have done what the woman did in another comment and close out my accounts!! Is it the branch that profits from the extra coins that I lost during this exhausting effort to cash my coins in???? I challenge the officials to call or contact me with this concern.

Michelle

11.09.2019

Minneapolis, MN

tcf_bank

I went in this morning to change coin in the counting machine. I knew that I had more than 120 in gold 1 dollar coins. After the counting the fed out receipt only tell me that I have 58 instead of the amount that I count. So I asked for the branch manager and he said, "The the machine is very accurate. There is nothing that I can do about it." then I asked, "So I lost my money?"then he said nothing he can do. So I asked him, "Do you know how much you have in there." He said yes. Then I asked him, "Why don’t you count them and you'll know if it shorting my money or not." Then he told me there'll be someone come I once a week so then I agreed to that. I wish they should be more professional on customer problems solving instead of ignoring them. I closed 3 out of my 4 accounts from TCF and will be closing the 4 one soon.

Toria

10.09.2019

Redford, MI

tcf_bank

Had a positive balance days before Sept 10 and the morning of September 10. Had a deposit come through that morning. Had transactions pending but still more than enough funds. Went to use atm in the evening and account was overdrawn. Been charged 2 overdraft fees because I was told a charged drop the night of Sept 9 but was short $7 before deposit Sept 20. So it also caused another charge to be short. I called and asked if fees could be reversed since a deposit was made in less than 12-24 hours. They pretty much told me no, and if I didn't want to be charged overdraft fees for the other pending transactions I need to deposit $11 before midnight. Unbelievable, rude, not for the people and have the worst customer service. I will be going to another financial institution. Maybe Huntington since they give you 24 hour courtesy.

Lana

10.09.2019

Rancho Cucamonga, CA

tcf_bank

I find it unbelievable that I cannot access any statements for my HELOC with TCF Bank through the website. The only thing they let you see are your previous payments but there is NO way to access the actual statements! And the only way you can even talk to someone about your account is if you have your 17 digit account number, which is ONLY available on your statement! You have to call them, get placed on hold, then pray that you wrote your 17 digit account number somewhere (or they won't talk to you). And then they send you an email where you have to set up another account with Cisco to open the attachment that has your statement! All the hoops are ludicrous!

Paul

5.09.2019

Saint Paul, MN

tcf_bank

We do banking on both sides of the border and had not had issues with TCF's handling deposits of Canadian cheques until recently when it took 6-8 weeks to process exchanges and we were charged exorbitant rates for the exchange.

Matthew

29.08.2019

Romeoville, IL

tcf_bank

I bounced a check with this bank and instead of charging me once, they charged me 3 times. They decided it was fair to charge me every time the check was represented for payment. Be very wary of them. They wouldn't reverse ac anything more than 1 charge out of over 100. They never paid one cent of the bounced check.

Leah

23.08.2019

Green Cove Springs, FL

tcf_bank

This is crazy. They are not modern in policy or personel. Very rude and short. I deposited a check from Bank of America and they asked me my I was in Minnesota? Very unprofessional in 2019. Then they placed a 10 day holds on the check!

Kendra

22.08.2019

Summerfield, FL

tcf_bank

Stay away from this bank! TCF totally doesn't care about their customers. I called about a double charge of $12.00 on my card in another state. Their answer to me was to drive back to the other state & complain to the business in person. WHAT!!! My advice to TCF customers is to close your account while you can. You'll be sorry. TCF means: Total Customer Failure.

Sindy

6.08.2019

Whitmore Lake, MI

tcf_bank

I call July 29th to the bank customer service to discuss an error from my checking account record to the online account record. After being on hold 37 minutes speaking with 2 different customer service agents I was hung up on and had to call back. A 3rd customer service agent could not help me so I asked for a manager. Of course there are no managers available or on the floor. On July 29th I was told a manager would call me back. Fast forward to today August 6 still waiting for the manager to call back, so I call in to customer service. After speaking with 2 more people I still do not have an answer. They can't explain to me why my online portal information does not match what their online portal information says.

TENIKA

2.08.2019

Colorado Springs, CO

tcf_bank

I opened a checking account with bank and it was the worst experience I have ever had with a bank. First of all, their customer is not even located in the states so that’s the first red flag. They pay way cheaper for their customer service to located outside the States - cheap route. Secondly, to go in hand with the first red flag they don’t care about their customers. I cashed 3 payroll paychecks and they hold my funds to verify the check is legit, okay fine. But they held, every time, the FULL amount of my payroll checks! I called to see if they would at least release a portion of MY MONEY and flat out denied me. IT’S MY MONEY and they already verified two past payroll checks. They SUCK to bank with and their customers are their least concern. Checking Account CLOSED!!

Carri

31.07.2019

Minneapolis, MN

tcf_bank

I opened checking account and I have a charity which I expressed to them. When I went into the home branch as my account was done online I have encountered friendly cashiers and I didn't have any issues until the fraud dept was alerted by their system extensive spending which I felt was none of their business. That was one of the problems and the rest I will share. I went into the TCF branch near me and wanted to speak to manager who was out for the holiday weekend and I was told as my daughter was with me that my account was flagged due to fund deposited then taken out then deposited again. Well what’s that got to do with me if the funds cleared and there was no problem which there wasn’t.

M. N.

23.07.2019

Milwaukee, WI

tcf_bank

I chose TCF because of the free checking, but unless you have money in your account they will not release any funds. If you've ever had any overdrafts, that makes it worse. People go through things, TCF doesn't care. They seem heartless and don't care about their customers. After this last experience I will NEVER bank with them again. Also, the local branches that I've been to here in MKE (Miller Park and North side branches) are horrible at customer service, explaining things, following procedures. They seem to make up their own rules, as if the banks are independent of one another. Maybe they are? Either way, I wouldn't recommend TCF to my worst enemy.

Yohan

20.07.2019

Minneapolis, MN

tcf_bank

I wake up one morning to a stolen wallet & well over 5,000 in charges on my debit card. Due to this happening, I lost all my savings and promptly called my TCF to report fraud. After doing so, I wait patiently to get my funds back and file a police report. Upon doing all these things, I get a letter stating that the transactions will not be getting reverse due to the fact that I was INVOLVED and knowing that these transactions were going on. I could not believe my eyes and upon calling customer service I received no help and a extremely rude and bland woman who refused to be of any help whatsoever. I honestly can't believe the bank would not reimburse me for what has been taken away and now I sit here in despair and hopelessness.