Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MN)

I had recently started banking with TCF bank because they were local. I had recently had my card number stolen from a different bank account with a different bank so I had to transfer fund from that account to the TCF account. The problem started when I noticed an unauthorized charge on my TCF checking account. I immediately called the bank to have it removed since I noticed that it made me go negative. After speaking with customer service they said they would have it removed within 24hours. I checked my account again later in the day and noticed that I was charged a {$37.00} dollar overdraft fee. Again, I immediately called the bank to talk to customer service about why I had been charged for an overdraft fee for an unauthorized charge. The customer service agent was clueless as to why I was charged for it but suspected it was from another transaction. After sitting on hold for 10 minutes waiting for them to sort things out they came back and told me a few transactions that were the cause but still did n't clarify. I explained to them that I was checking my account every day, multiple times a day so that was impossible. The customer service agent brought up an ATM transaction and asked me if I knew my account balance at that time. I explained to her that I did indeed know my balance at that time because I checked the balance at the ATM before I withdrew cash. I explained to her that I check my account every single day and it has not been negative. After getting the run around I simply asked if they could remove the fee since as my account stands, the only things causing a negative balance were their overdraft fee and the unauthorized charge. She said that they made the decision to not remove the charge. Clearly my account was not negative until the unauthorized charge appeared. They claim that my account went negative on XX/XX/XXXX which it did not. It was not until XX/XX/XXXX that my account was negative at which point I called immediately to dispute the unauthorized charge. I check my account multiple times every single day. If I was going to go negative I would have used my other bank account or transferred money from my other bank account. 

Aside from the fruitless overdraft fee, the company clearly lacks some of the technological advancements that other banks have now. Their mobile app is way below par and they still do not have mobile deposits. Their online banking absolutely terrible. It never reflects the correct balance! I have never seen this with any bank! I check it constantly and its so confusing, I feel like they have not updated their mobile and online banking for the sole purpose of confusing their customers. I dont understand why XXXX can always give an accurate and up to date account balance but TCF can not. 

Another problem is the direct deposit is the slowest process ever. When I had checks deposited to my XXXX account they showed up Friday, but with TCF I dont get my money until Monday! This has only added to my frustration. Another problem I 've experience with this bank is that they charge an " International Transfer Fee '' for buying XXXX. XXXX has never charged me for buying XXXX, and from what I understand, the IRS said XXXX should be treated as an asset and not a foreign currency. I wanted to support a local bank but after this I may just switch to a credit union. This company only wants to rip off its customers.