TCF Bank

I’ve been a customer of TCF Bank for many years and haven’t had any problems with there service until recently. I tried to obtain a wire transfer for the very first time from one of the branch banks in Countryside, IL. I needed to send $ 500 to Canada for a deposit on a puppy that I was purchasing directly from the breeder who has been selling puppies all over the world, and who has a bank account in Canada that handles US funds regularly. The manager told me he would do it personnally so we sat together as he completed the form on the computer using information provided to me from the person in Canada who was requesting the wire transfer. He completed the form, made me a copy and told me that he would call me if there were any problems. He called me the next day to ask for a routing number. I told him that all the information was given to him the day before and he added the number and I thought everything was fine. Two weeks later the breeder emails me to tell me that she still has not received my deposit. I called the bank and told me they had no record of the wire transfer request, but if I come into the bank, they would issue a new wire transfer. I go to the bank and submit a new wire transfer. I get a call the next day looking for even more information and I have to call the breeder. The breeder tells me that she never had these issues with a bank for as long as she’s been in business and now I feel like an idiot.
After three weeks and three different «managers», the wire transfer was finally sent and the breeder emailed to tell me it came through. I’m now in the process of sending a written complaint to TCF headquarters to let them know how incompetent the branch people are and how uncommunicative the wire transfer department people are. Totally unexceptable. If I didn’t complain as much as I did, they were going to charge me $ 50 for the service on top of it. Unbelievable.

Today I had to close my TCF account for the second time. When I first closed it in December, 2010, I was relieved to finally (or so I thought) be done with this company. When a direct deposit was deposited into my account in January, 2011 (unbeknownst to me), it apparently reopened my «partially closed» account. Six months of account maintenance fees later (and zero communication of any account activity) and I have a letter stating I am overdrawn by $ 27.82.
Customer service told me my balance would be set to $ 0 but I could not receive the money that was deposited into my account — I should have been notified by the people depositing the money!
Avoid at all costs. This is a shady company who will weasel money out of their customers in as many ways that they can think of. There are much better options available, such as ALLY (
) who actually seem to care about their customers.

STAY AWAY FROM TCF
I was scammed out of $ 618.00 by a new bank fraud thru ACH fraud. Whoever you give a check to, has your routing & bank account number. They then write down this information, to pay by phone, THEIR bills, with YOUR checking account number & routing numbers.
This can happen at any bank. You can guard against this by BLOCKING all ACH debits to your account, but I have not found a bank yet, that will do this. In its simplest form, the perpetrator uses YOUR bank account & routing numbers to initiate a payment for them, by making a phone call and giving these numbers to the desired vendor.
TCF is making this very hard, to get my money back, they won’t return my calls & they won’t give out the phone number to their Fraud Dept. I have filed a complaint with
Whatever you do, Stay AWAY from this Bank