| 05/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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I am writing to request a review of a hold on {$780000.00} of my funds that has lasted over one month without accurate explanation from my bank, TCF Bank, nor with any regard to my repeated requests for information.
Please note that I recognize the authority of banking institutions to conduct investigations. I suspect, however, that this authority requires a documented basis for a banks actions. Presumably, this authority also requires accurate communication with clients whose funds have been held.
On the morning of Tuesday, XX/XX/XXXX, I signed into the TCF Bank online portal for my business ( XXXX XXXX XXXX ) and noticed a large negative balance in one account and {$0.00} balances in two other business accounts as well as my personal accounts. On further investigation, I noted that large holds had been placed on these accounts. In fact, the amount of one hold corresponded to a far larger value than I had ever kept in the affected account.
XXXX XXXX takes care of over 25 vulnerable adults in XXXX XXXX, employing XXXX hard-working staff members in our mission to provide excellent care to clients with behavioral health needs. Any disruption of our ability to pay vendors or employees carries the very real consequence of degrading or interrupting our ability to take care of some of the neediest citizens of Minnesota.
Shocked at the {$0.00} bank balances, I spoke to the manager of my local TCF Bank branch, Ms. XXXX XXXX. After I explained the situation, Ms. XXXX placed a phone call to an unnamed woman, Lets see how much of the funds we can release to you. After the call, Ms. XXXX said that SBA concerns were the reason for the hold and that she could not offer further information to us. She said that the woman with whom she had communicated is not a customer-facing contact and that MsXXXX XXXX comments were the only information we would receive.
Contemporaneously, I instructed a staff member, XXXX XXXX, to call the TCF Business Banking help line where we were told that we would be called back with information regarding the holds. We never received a return call.
Notably, in XX/XX/XXXX and in XX/XX/XXXX, I received first-draw and second-draw XXXX loans, respectively, from the United States Small Business Administration ( SBA ) via TCF Bank. While I applied for the first-draw XXXXPP loan independently, I hired a CPA to advise me on the use of PPP funds ; to calculate the amount of money to be forgiven by SBA ; to apply for forgiveness of the first-draw PPP loan ; and, finally, to apply for a second-draw PPP loan after an analysis of my companys financials. I note that TCF Bank reported that our first-draw PPP loan has been forgiven and, presumably, that TCF was reimbursed by SBA after proffering this report.
Later on Tuesday, XX/XX/XXXX, I spoke with a TCF call center representative who attempted to contact an individual who was purportedly responsible for the hold. This representative said she had attempted to call a non customer-facing [ female ] contact whose details she could not divulge. The representative asked for my phone number and said I would receive a follow-up call. I never received a return call.
On Thursday, XX/XX/XXXX, I received multiple letters ( see attachments ) from TCF Bank which in substance stated that the bank had placed a hold on our funds because they anticipate receiving a request to return the funds to the originator. This statement was very confusing, as many of the held funds were solely the property of myself and/or XXXX XXXX. Further, when adding the amount of funds seized ( see Table 1 ) and the additional negative balance created by TCFs large holds, I tabulate {$1.00} XXXX to which TCF Bank claims to have a right. This large sum has no relationship to any loan or other transaction I have performed with TCF Bank.
The letter I received advised me to call TCF Fraud Protection Services ( XXXX option # 1, option # 4 ). I did this and spoke with a representative named XXXX. I learned that, while the letter suggested we should call his department, that XXXX department in fact had no knowledge of the reason for the holds and that his department was not in fact the correct department to call. XXXX placed my team members and I on hold and claimed to have made a series of phone calls. He stated that he was unable to reach the person responsible for the holds, who he named as TCF Sr. Manager and Vice President XXXX XXXX. He transferred me to her voicemail where we left a detailed voice message requesting that we be called back. While I can not be sure, I suspect that Ms. XXXX is the individual who was unable to be reached by prior TCF staff members throughout the week of XX/XX/XXXX.
Based on the lack of communication we had observed from Tuesday, XX/XX/XXXX through Thursday, XX/XX/XXXX, I instructed a staff member to send an email to TCF Sr. Manager and Vice President XXXX XXXX ( included ; see email transcript dated XX/XX/XXXX ) and to copy other senior TCF staff with whom we have corresponded. Ms. XXXX called in response to this email at XXXX XXXX on Thursday, XX/XX/XXXX. While I could not join, this call included two XXXX XXXX staff members.
In this call, XXXX XXXX explained that the letters we received were in fact inaccurate - she stated that her department doesnt send out those letters - and that the holds had been placed as part of an investigation from a governmental agency ( whereas the letters did not make this claim see attachments ). XXXX XXXX stated that she runs the office associated with fraud investigations and was aware of the holds that had taken place on our accounts.
Shockingly, Ms. XXXX said she was unsure if the amounts placed on hold were the amounts requested by the unnamed governmental agency. She said that sometimes the hold system places a hold on all funds but that she would look into the matter later on the evening of Thursday, XX/XX/XXXX. Even now, on Monday, XX/XX/XXXX we have not received updates on this issue from TCF Bank or Ms. XXXX XXXX despite a series of follow-up emails to Ms. XXXX ( see email transcripts ) from my organization and a lawyer. I remain unaware whether the sum of the holds from Ms. XXXX and TCF Bank has any substantive basis.
It appears that TCF Bank indiscriminately placed a hold on the funds of my firm and on my personal funds, ostensibly responding to an investigation request that I suspect has never existed. I humbly ask that your organization examine these practices and ensure that Ms. XXXX department and TCF Bank exercise greater responsibility when seizing customer funds in the future. I do not believe it should require weeks and untold phone calls to learn whether a hold on an account has an accurate basis.
To summarize, I have the following complaints and areas for exploration that I believe would benefit from the attention of a governmental regulator in order to protect business owners from organizations such as TCF : The total balance of outstanding loans I had with TCF Bank at the time of the freeze on my funds was approximately {$410000.00} in a second-draw PPP loan. Our first-draw PPP loan in the amount of {$370000.00} had been forgiven. However, across my business and personal accounts, TCF Bank has seized {$780000.00} and somehow claims that it is owed an additional {$740000.00} beyond this amount. Effectively, the actions of TCF suggest that I owe them over {>= $1,000,000}. This is far more than the balance of loans I have ever sought from TCF Bank. Neither Ms. XXXX XXXX nor any other TCF representative has explained this peculiar accounting.
TCF Bank has been on a long campaign of expansion, and I understand that they may be one of the largest institutions in the United States by size. In fact, I understand that TCF is purchasing another national bank just this XXXX. My experiences suggest that TCF - or at least the department run by Ms. XXXX and the department responsible for explaining holds to customers - has been taxed beyond its capacity. This is clearly demonstrated by Ms. XXXX repeated offers to communicate, and subsequent failures to do so ( see email transcript ) ; by the weeklong inability of TCF staff members to get in contact with XXXX XXXX ; by the inability of the fraud department to mail an accurate letter to me ; and the uncertainty of Ms. XXXX regarding the amount of funds held by her department, amongst other things. I hope that my complaint may help the bank assess its staffing levels and competencies at its current size. I further hope my complaint encourages a more careful examination of any future TCF expansion.
Finally, I must raise the question of whether my identity as an XXXX American businesswoman has impacted the actions of TCF. In early XXXX, the manager of my local TCF Bank branch, XXXX XXXX, informed me, in an apparent attempt at a compliment, that her branch team had prepared a presentation about my company for a TCF district meeting. She said that XXXX XXXX exemplified successful minority businesses in our city of XXXX XXXX, MN. This story gives me pause, as at no time did TCF reach out to us to learn about our business or our willingness to be put on display for the benefit of Ms. XXXX branch. Indeed, the basis of her presentation could only have been an arbitrary review of our account activity by Ms. XXXX. Second, this story suggests that TCF Bank is monitoring the activity of minority account holders solely based on our identity. It is not hard to imagine that this sort of discriminatory review of minority accounts led to the inception of TCFs poorly-documented investigation and the holds placed on my funds.
I am ready to show any requisite evidence regarding our PPP application as well as my companys substantial payroll expenditures. Indeed, my payroll has grown in XXXX as we offered our staff hazard pay and increased hourly wages to maintain safe staffing levels during this pandemic. I do not write you with any pleasure but out of desperation in the face of extraordinary behavior from TCF Bank.
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| 07/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
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Web |
Older American |
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TO : Consumer Financial Protection Bureau RE : APPEAL OF FRAUD CLAIM ( Initial Claim made on XX/XX/XXXX ) DATE : XX/XX/XXXX After reviewing fraud claim dated XX/XX/XXXX with The Consumer Financial Protection Bureau and The Federal Trade Commission, she is appealing TCF Banks previous denial for her fraud claim. She is requesting reimbursement for the XXXX gift card purchases fraudulently requested via an imposter of her IT support subscription service, XXXX, XXXX.
Bank letter denying fraud claim dated XX/XX/XXXX ( attached ).
Wed, XX/XX/XXXX : a representative from XXXX, XXXX, ( imposter of an IT Consumer Support Company ), contacted a Senior Citizen from XXXX XXXX XXXX, MN via her mobile phone, ( XXXX service provider ). As a service subscriber, she accepted the call.
The XXXX Representative, ( XXXX ) informed her that XXXX was going out of business/re-organizing and he was authorized to issue her a refund of {$390.00}, ( XXXX XXXX and XXXX dollars ) based on the unused portion of her subscription service. As an IT service provider, XXXX had previously had access to her computer for repair and cleaning purposes. He told her to access her online bank account information so he could deposit her refund.
XXXX insisted she stay on the phone with him to confirm her refund deposit. XXXX called again and explained that he had erroneously deposited {$3900.00} rather than {$390.00}. He told her he would lose his job unless she returned the overpaid funds. He pleaded with her to purchase XXXX gift cards to rectify the overpaid funds as the company was closing and they had no accounting department.
He requested to stay on the phone with her until she drove to XXXX and purchased the gift cards, then he asked her to go home before reading him the card numbers and codes over the phone. XXXX stayed on the phone with her until she read all the numbers and then insisted she cut up and dispose of the XXXX gift cards and burn the receipts. She cut up the cards but kept all card pieces and receipts, which are attached.
XXXX also asked her not to access her online bank accounts until he was able to finalize her refund.
He called her again stating that the XXXX gift cards had no balance and that XXXX was having technical difficulties with their gift card system. He asked her to go to a different XXXX and purchase additional cards, which she did. He further explained he had already deducted the previous {$3000.00} from her account, and so, would make another deposit of {$3000.00}.
She verified the deposits into her checking account and asked XXXX if he could see or had access to any of her other bank accounts. XXXX guaranteed that the XXXX system only allowed them to see the deposit of funds.
Thu, XX/XX/XXXX : XXXX called her stating that due to XXXX technical difficulties, the second gift cards also did not work. He asked her again to go to yet another XXXX and/or XXXX to purchase the gift cards. Again, he stayed on the phone with her the entire time from her home to XXXX and while purchasing the cards, insisting she wait until returning home to read the card numbers/codes to him.
Fri, XX/XX/XXXX : XXXX called her stating the 3rd XXXX gift card also did not work. He further informed her that due to their systems being shut down and the company restructuring, they were now only permitted to use increments of {$10000.00} for all transactions. He asked her to purchase {$7000.00} in XXXX gift cards and that he would make a deposit of {$10000.00} in order to rectify her account.
She purchased {$7000.00} in XXXX gift cards, while XXXX insisted to stay on the phone with her. XXXX insisted she not access her online bank accounts as this would inhibit him from rectifying her account.
She saw a deposit of {$10000.00}, however it was in her savings account rather than the previous deposits, which were made into her checking account.
She also saw that the original {$3900.00} deposit by XXXX XXXX XXXX was actually transferred from one of her other TCF bank accounts.
She immediately drove to her local TCF Bank to change her passwords. The TCF Bank Representative told her not to freeze her accounts as changing her password would prevent any unauthorized transactions.
She then called the cop-shop, her local Police Department hub in XXXX XXXX XXXX, MN to report possible fraudulent activity. She further disclosed all of the XXXX gift cards purchases requested by the XXXX company. Officer XXXX filed a Fraud Claim # XXXX for XXXX.
Mon, XX/XX/XXXX : She drove to her local TCF Bank and requested to speak with their Bank Manager, XXXX XXXX. XXXX notified XXXX about XXXX and that she suspected a credit card scheme. XXXX XXXX filed a fraud claim with TCF Bank for her to recover the defrauded funds associated with her XXXX gift card purchases totaling {$16000.00} via her TCF Bank Visa Debit card.
TCF Bank sent her a letter declining her fraud claim which stated : Based on documentation from the merchant or other supporting information obtained, we believe you received benefit from one or more of the disputed transactions.
We believe that a person you previously authorized to use your card or account made the disputed transactions. TCF has no record that you revoked this permission.
She never previously authorized any electronic withdrawals or transfers from her TCF Bank accounts. In addition, at no time did she authorize XXXX, ( XXXX ) to withdraw or transfer monies from any of her bank accounts.
She was defrauded {$16000.00} to purchase XXXX gift cards.
TCF Bank XXXX did not notify her of any of the bank transfer, as per the Banks Security Agreement. TCF Bank did not send any Alerts or Notifications, even though she had never previously authorized an electronic transfer from her accounts.
She notified TCF Bank within 2 business days that she suspected fraudulent activity.
Complaints have been filed with the Consumer Financial Protection Bureau, The Federal Trade Commission, The Federal Bureau of Investigation, MN Department of Human Services, and The Office of Minnesota Attorney General.
*As per The Federal Reserve - Regulation E, she is appealing her former and original fraud claim to TCF Bank and requesting all debit card transactions are credited back to her TCF Bank debit card, last 4 digits # XXXX.
XXXX XXXX TCF Bank Accounts ( ending in ) : 1 ) # XXXX - Savings Account 2 ) # XXXX - Checking Account for tax purposes only 3 ) # XXXX - Checking Account for SS & household utilities 4 ) # XXXX - Regular Checking Account Following lists all dates and activities related to her bank fraud claim : ( she did not make or authorize any of these transfers and TCF Bank did not alert her of any of these unusual transactions as per the banks security agreement. ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$3900.00} into checking account # XXXX ( funds actually transferred from checking account # XXXX ) XXXX fraudulently claimed electronic deposit of {$3000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$3000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XX/XX/XXXX : XXXX fraudulently claimed electronic deposit of {$10000.00} into checking account # XXXX ( funds were actually transferred from checking account # XXXX ) XXXX Gift Card Purchases : ( all gift card purchases were made with TCF Bank Visa Debit card ending in # XXXX ) XX/XX/XXXX : {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX XXXX XXXX, MN XX/XX/XXXX : {$3000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX XXXX, XXXX, MN XX/XX/XXXX : {$5000.00} - ( 5 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN {$2000.00} - ( 3 - {$1000.00} gift cards ) from XXXX XXXX in XXXX, XXXX XXXX XXXX, MN Total XXXX Gift Card purchases : {$16000.00}.
( All original XXXX gift cards and receipts attached ) Following lists US national bank regulations to protect consumers from bank debit card fraud.
REGULATION E : Comment for 1005.6 Liability of Consumer for Unauthorized Transfers https : //www.consumerfinance.gov/XXXX XXXX XXXX XXXX Liability of consumer for unauthorized transfers.
https : //www.consumerfinance.govXXXX XXXX XXXX XXXX
https : //www.consumerfinance.govXXXX/ TCF Liability : " Errors and Unauthorized Transactions '' under the section called TCF 's Liability to You '' in TCF 's Terms and Conditions for Checking and Savings Accounts.
If your Account is a Consumer Account, the following limits on your liability apply : If you believe that your Password has been lost or stolen, and you tell us within two Business Days after you learn of the loss or theft, you can lose no more than {$50.00} if someone used your Password without your permission ( except as stated below ).
If you do NOT tell us within two Business Days after you learn of the loss or theft of your Password and we can prove we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as {$500.00} ( except as stated below ).
CC : Consumer Financial Protection Bureau, https : //www.consumerfinance.gov Federal Trade Commission , ftc.gov/complaint MN Department of Human Services , XXXX XXXX XXXX, The Office of MN Attorney General, XXXX, Federal Bureau of Investigation , www.ic3.gov Attachments : TCF Bank Letter dated XX/XX/XXXX TCF Bank Statements ( 4 pages ) Copy of all Original XXXX gift cards ( 2 pages ) Copy of all Original XXXX receipts ( 3 pages )
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| 04/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We submitted an original complaint in this matter on XX/XX/XXXX, which was designated as CFPB Complaint ID : XXXX. That original complaint was closed by the CFPB on XX/XX/XXXX, subsequent to its receipt of a response from the subject financial institution of our complaint, TCF Bank ( the Bank ). On that same date we provided feedback expressing our continuing disagreement with the Banks repetitive false and/or deceptive response ( s ), by indicating that although we fully understood its written response, it did not in any manner address any of our issues. It now appears plain to us that we originally selected an incorrect category for our original complaint, Mortgage ( HELOC ) : Trouble during payment process. This selection was based on our understanding of the matter on that date, as well as our comprehension of the CFPBs available categorical designations. We now understand that this is a mortgage underwriting/approval/credit decision issue, relative to home equity lines of credit.
Based on our continuing written communications with the Bank we now have come to a clearer understanding of the its willful actions in violation of our agreement and the federal Truth-In-Lending Acts implementing Regulation Z, the Fair Credit Reporting Act and Section 5 of the Federal Trade Commission Act, at minimum. We first provided notice and warning to the Bank of these continuing violations on XX/XX/XXXX. The Bank provided no acknowledgment, explanation, counter or disavowal in response to these allegations. We have subsequently issued several similar notices and warnings, each ignored in their entirety by the Bank, to include its corporate Chief Compliance Officer, whom we personally reached out to for focused, ethical assistance and appropriate good faith supervisory intervention in this matter.
Taken in its entirety, it is our firm position that the Bank - at its highest supervisory, oversight and regulatory compliance levels - is perpetrating arbitrary, capricious and intentional abusive practices against us in this matter and, by reasonable extension, all consumers similarly situated. All of the Banks continuing conduct constitutes knowing and willful violation ( s ) of the unfair, deceptive, or abusive acts or practices ( UDAAP ) made unlawful by act of congress, as codified by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, at minimum.
In brief, the Bank is utilizing 12 CFR 1026.40 ( f ) ( 3 ) ( vi ) ( A ), designating a significant decrease in our homes value, as a sole deceptive or fraudulent pretext for its unlawful suspension of our home equity line of credit, in its entirety. Noting that we make no representations regarding our current financial condition, either express or implied : The facts in the record clearly reflect and display that the Banks actual reason for suspension of our line of credit resulted not from the estimated value of our home but from some other unknown and non-disclosed information it had allegedly obtained through a consumer credit report or other third-party report. The Bank, to date, continues to withhold any and all required disclosures in willful disregard of federal law.
On information and belief, we hold that the Bank has taken these abusive actions in order to avoid the burdens imposed upon it by the provisions of 12 CFR 1026.40 ( f ) ( 3 ) ( vi ) ( B ). In order to lawfully suspend our line of credit, this provision of law would have required the Bank to make a two-prong showing of not only a material change in our financial circumstances but a further good faith determination that it held a reasonable belief that we will not be able to fulfill our repayment obligations under our agreement.
We submit that the Bank could not then and most assuredly can not now meet these provisions of law in good faith, so it took the easy way out namely, and for all intents and purposes, it concocted a false but virtually unchallengeable claim of significant decrease in our homes value, based on an allegedly obtained automated valuation model ( AVM ), and allegedly in advance of its credit decision. To date, this claimed AVM has not been disclosed to us by the Bank. This, despite our repeated requests and/or demands for its production and the Banks corresponding decision ( s ) to summarily dismiss or disregard these requests altogether, and absent any acknowledgment of receipt whatsoever. Instead, by means of unexplained and unethical substitution, the Banks Assistant Vice President/Underwriting Manager and its Chief Compliance Officer each independently submitted to us - on separate dates - an alleged updated AVM, ordered and issued on XX/XX/XXXX. This was a full nineteen days AFTER the Banks notification of its adverse credit decision and suspension of our line of credit, of XX/XX/XXXX.
These strategic and deceptive practices fundamentally leave all discretion to the Bank, providing us no transparent or meaningful recourse or clearly defined path for reinstatement of our home equity line of credit. We are left entirely unprotected and subject to the arbitrary, capricious and unlawful whims of the Bank. The harms incurred are significant and were entirely unavoidable on our part, despite our repeated good faith attempts at mitigation through attempting to gain the Bank 's expeditious reinstatement of our line of credit. As we have indicated to the Banks Chief Compliance Officer, it keeps deceptively moving the goalposts. This effort includes knowingly and willfully making demonstrably false affirmative declarations regarding its stated requirements for reinstatement of our line of credit in its response to the CFPB of XX/XX/XXXX.
We further believe and allege that TCF Bank is making knowing and willful material misrepresentations in its advertisements to all consumers regarding the availability and suitability of its Home Equity Line of Credit product ( s ), at minimum. Specifically, it makes false and/or deceptive representations on its website by offering reasons for consumers to obtain its home equity mortgage product ( s ), even to those whom may face significant financial challenges, such as the stress of a job loss, as but one highly suspect example : https : //www.tcfbank.com/personal/loans/home-equity-line-of-credit.
The record clearly reflects that if the Bank had such knowledge of a consumers existing or changed negative financial circumstances, as in " a job loss '' - on either information or belief - that it possesses absolutely no such intent to issue nor would it make any such extension of credit to any consumer thus financially situated. Based on the facts present, it is evident that this approach would apply at any stage of the loan process - before, during or occurring after the fact of a consumers application and subsequent agreement, if any, in acceptance of the Banks offer.
Rather than including any further recitation of all available facts in this matter, we will allow the various included attachments, comprising the entire record to date, to speak for itself. For purposes of completeness and accuracy with respect to any potential inquiry or enforcement undertakings by the CFPB, we respectfully request that our prior complaint against TCF Bank XXXX XX/XX/XXXX, designated above, be merged or joined with this complaint.
Again, we apologize for the reverse chronology of substantial parts of this record, due to the first is last nature of the attached email correspondence with TCF Banks Assistant Vice President and Underwriting Manager, XXXX XXXX, and its Chief Compliance Officer, XXXX XXXX.
We are of the opinion that this matter constitutes an issue of such magnitude and consequence for ourselves and all other consumers as to require the utilization of the full enforcement authority granted to the CFPB, in order that the Bank is brought into immediate compliance. Time is of the essence. This is especially true given the similarity of corporate malfeasance giving rise to other enforcement actions undertaken by the CFPB against TCF Bank. Respectfully, in our view, the Bank 's continuing harms to consumers, founded in clearly unmitigated hubris and bereft of any principles of good faith and fair dealing ( Ex. See : TCF Banks former CEO XXXX XXXX yacht Overdraft ), must be brought to a swift and decisive conclusion. A conclusion which significantly and materially affects the Bank 's financial bottom line, in the forms of maximum civil penalties allowable under law and consumer restitution for all incurred damages, and any punitive damages the CFPB may see fit to impose or seek through litigation in its consumer advocacy role.
As we stated in our feedback in association with our prior complaint, we maintain that the Banks flagrant actions herein are highly representative of a class of unlawful actions undertaken by financial institutions against consumers, which actions collectively form the primary foundational reason for the establishment of the CFPB.
Based on our interactions with TCF Bank in this matter, we allege that any prior punitive or corrective regulatory enforcement action ( s ) assessed against it clearly did not serve as either effective or meaningful deterrent against any of its future unrestrained, unethical and unlawful conduct, as evidenced here. Regulatory intervention is imperative.
Thank you for your time, consideration and assistance in this most urgent matter. We, of course, are available at any time if additional information or clarification is deemed necessary for your investigation.
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| 05/24/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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My HELOC with TCF National Bank was initiated on XXXX XXXX XXXX . TCF Bank managed the servicing of this and the loan/account number provided was XXXX . I had been making payments through the designated online portal until XXXX XXXX when my access to this appeared to be blocked. I was presented with an error message stating my login details were invalid. Believing this was a website issue I gave it a day or two before trying again, but was met with the same error message. I attempted to re-register the account online, however when I entered my account number and last four digits of my social security number the system said it was unable to locate an account. I called TCF customer care and explained issue and inquired if my note had been sold and/or if it was now being serviced by someone else. The customer care representative stated the note had not been sold, that TCF were still the servicers and while they had no answer as to why the portal was not working they suggested I mail payment instead. Thinking this would be a one off payment I went into my bank and got a cashiers check ( at my own expense ) and sent this to the address listed the my TCF payment envelope supplied with the statements. XXXX XXXX XXXX XXXX , MN, XXXX Through the month of XXXX I made several attempts to login to the TCF payment portal to see if the access issue had been resolved, but was still getting the same error message. Not wishing to miss a payment I decided to initiate paying my monthly loan payment via the XXXX XXXX XXXX XXXX ( XXXX ) bill payment system. I set this up to automatically send out a bill payment check on the XXXX of each month, to the above listed address. The last attempt I made to access the online payment portal was in late XXXX and it was still denying me access ( see Exhibit A ). On or around the XXXX of XXXX I received via mail, a servicing transfer letter stating my note had indeed been sold to XXXX XXXX XXXX XXXX ( XXXX ) effective XXXX XXXX , XXXX . In this letter it stated that while the note had been transferred, that XXXX does not itself service the loan. The servicer was to remain TCF Bank and I was provided a new address below for all correspondence ( see Exhibit B ) : TCF Mail Code XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX As per the new instructions I made XXXX payment via the XXXX bill payment system to above TCF address. It is worth noting that by the time I was informed of this change I had already made XXXX and XXXX payments. However I had not received any correspondence stating there were issues with the manner in which these payments had been made. In XXXX , out of the blue, I received a letter from TCF Bank explaining that as per my request they would no longer be contacting me using automated phone messaging services ( see Exhibit C ). I had made no such request and thought this to be highly irregular. I called TCF customer service and re-confirmed the contact details of my account and at no point during this call was informed of any issue with the account. XXXX 's payment was sent the same way as XXXX and having not heard anything different I believed all was well with the account. In XXXX upon receiving and reviewing the statement I saw the payments for XXXX , XXXX and XXXX had not been applied to my account. Shocked to see this I called TCF customer service and was told the reason for this was due to an account number discrepancy as a consequence of the loan transfer. More specifically, and contrary to what was referenced in the transfer letter, the representative indicated that XXXX had its own account numbers. The customer service representative assured me that they would be able to apply the payments and correct this issue on their end, but at that time was not able to provide me with an alternative account number. Prior to sending XXXX payment I once again called TCF to inquire as to what my new account number was. I was told the only account number on file was XXXX ; the same account number listed on the TCF statement and the same one I have had all along. Not wanting to be late with a payment I sent XXXX check in the same manner as before hoping that the issue would be rectified on the servicers end. In XXXX , as feared, the statement revealed that this issue had not been resolved. I called up TCF customer service and explained how serious of an issue this was and asked to speak to a supervisor. I was told there was no one available at that time to take my call. Feeling desperate and that I could not leave the issue unresolved for any longer, I called the main telephone number to TCFs corporate office and explained the issue to the operator who then transferred me to the customer advocacy department. I was assigned a customer advocate by the name of XXXX who I was told would become my point of contact. XXXX explained that her role was to ; audit previous payments on my account ; rectify the current non-application of payments to this and to monitor the account moving forward to ensure this was fully resolved. XXXX also explained that the reason the payments were not being applied was that the loan number used by the new note holder is different from the loan number originally issued when TCF Bank originated your loan. I asked for this alternative account number but XXXX was unable to provide me with this. I had also noticed that TCF were now reporting XXXX , XXXX and XXXX payments as unpaid to the credit bureaus. This angered me as I had been told by customer service representatives that my check payments had been received, but not applied to due a supposed account number discrepancy and therefore this was not an issue of non-payment. I spoke to XXXX and explained the situation and asked for this to be corrected and be provided with a letter confirming this so I may use to reverse this on my credit report. I was provided a letter that stated that TCF was in possession of my payments for the months of XXXX , XXXX and XXXX but these could not be applied due to a different loan number being noted in the check memo line ( see Exhibit D ). However it is worth pointing out that the transfer letter I received from XXXX referenced the same loan number I was originally provided by TCF ( see Exhibit B ), which is the same account number cited in my monthly statements. Believing that from here the customer advocate would work diligently to resolve the issue I gave XXXX some time to do some research. We touched base a few times through the months of XXXX and XXXX where I was told that she was working with the servicing department and XXXX to fix the problem. In XXXX I received a new statement still showing a growing past due balance indicating that TCF had still not resolved this issue ( see Exhibit XXXX ). I also received a letter from XXXX XXXX XXXX XXXX notifying me that they had filed a notice of default. In this letter they cite the name of the creditor as XXXX , the servicer as TCF and the loan number as XXXX ( see Exhibit F ). As of XXXX my credit report shows that TCF is reporting XXXX , XXXX , XXXX , XXXX and XXXX as unpaid, but XXXX as paid ( see Exhibit G ). This is not what is reflected in the account statements sent by TCF. It appears that in addition to not applying payments received and withholding my checks, that TCF is not accurately reporting to the credit bureaus.
To this day I am yet to receive any correspondence from TCF or XXXX regards any new account number to cite when making payments. I hold both TCF and XXXX responsible for why my payments are not being applied. It is clear I have made all reasonable attempts not only to pay my monthly loan payment to TCF, but also in contacting TCF to try and resolve this issue. Please find attached as Exhibit H copies of all the checks sent to TCF for XXXX XXXX to XXXX XXXX . This left me feeling helpless as without being provided the correct account number my payments are not being applied and if I do not send the payments I would be defaulting on the loan ; it is a no win situation. Adding to this misery is the fact that these bill payment checks are cleared funds, so I am still out of pocket the loan payments. This issue has had an enormous negative impact on my life. As a consequence of notice of default I am being contacted daily, by phone, email and mail by individuals and companies offering services to help me avoid foreclosure. Additionally my XXXX XXXX provider, XXXX , sent me a letter stating that under the terms and conditions of the XXXX contract, XXXX can come to the home and remove these panels believing their assets are at risk. They have also suggested that they would pursue legal action against me to protect their assets. This is all very XXXX indeed with me needing to take time off work to try to resolve this and it is starting to take a toll on my health leaving me very anxious. I have had to seek medical intervention and counseling as I struggle to come to terms with the situation. Despite spending many hours trying to resolve this with TCF, I fear this has gotten out of control and I am requesting that the CFPB investigate TCFs servicing practices.
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Older American |
|
DOC # 1, SHOWS THAT On FRIDAY XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX Sedan XXXX XXXX with XXXX actual miles from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Phone XXXX, Fax XXXX. The sale price was {$7900.00}. After adding the PROCESSING FEE {$590.00}, the STATE TITLE TAX {$350.00}, the TITLE REGISTRATION LIEN FEE TRANSFER {$52.00}, the DEALER 'S BUSINESS LICENSE TAX {$14.00}, On-Line Systems Filing Fee {$10.00}, SUB-TOTAL of {$9000.00}, less TOTAL DOWN PAYMENT {$3300.00}, BALANCE DUE/FINANCED {$5800.00}. DOC # 2, SHOWS that this vehicle was displaying an approved XXXX STATE POLICE INSPECTION CERTIFICATION No. XXXX dated XX/XX/XXXX, with odometer reading of XXXX which indicates that from the date it had been inspected ( and PASSED INSPECTION ) to the date it was sold to me, it had been driven only XXXX miles. The XXXX report of this XXXX XXXX that was presented to me showed NO PROBLEMS whatsoever with this vehicle.I BOUGHT THIS CAR ON A " AS IS '' NO DEALER WARRANTY CONDITION. I took delivery of the car and as I had promised to the dealer, on MONDAY XX/XX/XXXX I had it inspected for EMISSIONS and it PASSED. The DEALER had promised to deliver to me the the certificate of the XXXX. Safety Inspection it had performed on the XXXX on XX/XX/XXXX ( so I could presented it to XXXX and start working ), but it failed to do so. Consequently, as you can see ON DOC # 3 and 4, I took the XXXX to XXXX XXXX XXXXXXXX and had it inspected for XXXX SAFETY INSPECTION. The car FAILED the inspection because the " front motor mounts '' were broken and the brake light was out. The MOTOR MOUNTS was a serious safety issue. I called the the XXXX STATE POLICE and the XXXX Master State Trooper XXXX verified that the car was indeed displaying a FRAUDULENT safety inspection sticker and we went to the dealer ( XXXX XXXX XXXX ) and they repaired the car, re-inspected ( SEE DOC # 5 ) and I took the car. After driving the XXXX for just a few days, the car developed serious problems with the brake system and with the transmission that the dealer had NO hesitation in taking that vehicle back, however, they did that on the condition that I would buy another car, that is, they would accept it as a " TRADE-IN '' WHAT AN XXXX AND XXXX I WAS. But they are as crooked and dishonest as they come!!! DOC # XXXX, shows the TRADE-IN TRANSACTION where I gave the XXXX in trade for a XXXX XXXX XXXX XXXX XXXX SUV with XXXX actual miles on the odometer. The sale price was {$8900.00}. After adding the PROCESSING FEE {$590.00}, ADDING THE NEGATIVE EQUITY OF {$500.00} of the value of the XXXX ( WOW ), the STATE TITLE TAX {$390.00}, the TITLE REGISTRATION LIEN FEE TRANSFER {$57.00}, the DEALER 'S BUSINESS LICENSE TAX {$16.00}, a SERVICE CONTRACT, see DOC # 7, ( Including Tax of {$10.00} ) {$420.00}, On-Line Systems Filing Fee {$10.00}, SUB-TOTAL of {$10000.00}, less TOTAL DOWN PAYMENT {$3700.00}, BALANCE DUE/FINANCED {$7200.00}. Notice that, in addition to paying me {$500.00} LESS for the piece of junk XXXX they took as a TRADE-IN, they insisted that I would purchase a " Service Contract '' which, was good for absolutely NOTHING! What a BIG XXXX was I! The dealer presented me with a XXXX, which I acknowledged receipt of it when I initialed and signed about 50 pages of " standard documentation '', nothing to worry about as the finance guy told me. Afterwards, as you can see on DOC # 9, this car has had already issues with the transmission. I also BOUGHT THIS CAR ON A " AS IS '' NO DEALER WARRANTY CONDITION. During the financing process, XXXX XXXX, had instructed me NOT TO MENTION to anyone who eventually would call me from the financing company, that I would use the vehicle to earn money driving for XXXX, even though he used my income from XXXX ( estimated ) plus my Social Security Income from USA to qualify me for the loan, an unethical practice. Additionally he also told me to, whenever I received a call from the financing company, JUST to confirm with a " YES '' when they would ask me if my income was {$25000.00}. And in fact, that was the ONLY question I was asked when I received a call from a woman identifying herself as working for XXXX XXXX. Then, on SUNDAY XX/XX/XXXX, while driving a passenger to XXXX XXXX, on the XXXX XXXX XXXX, XXXX, MM 8.8, the transmission started " SLIPPING '' so badly I could not go over 30 MPH. On MONDAY XX/XX/XXXX I took the car to XXXX XXXX in XXXX and the diagnostic was that the transmission was bad and that this type of transmissions, CVT can not be repaired. Additionally they told me that there could be an extended warranty from XXXX on the transmission for up to 10 years or 120.000 miles.
So I took the XXXX to XXXX XXXX XXXX XXXX XXXX, SEE DOC # 10 and 10A, After working on the car they told me they could not verify the problem and charged me {$140.00}. I continued to have problems with the transmission AND with the Air Conditioning System and Called the financing Co. ( XXXX XXXX XXXX XXXX XXXX ) and complained about the way they finance automobiles for dealers that have less than a good reputation and that I was not going to pay for the loan. Even though I kept making the payments.DOC # 11 SHOWS that on THURSDAY, XX/XX/XXXX, after continuing to have problems with the transmission AND A/C, I took the XXXX to XXXX XXXX OF XXXX, which by the way is owned by the same company of XXXX XXXX XXXX XXXX XXXX, and they kept the XXXX there until THURSDAY, XX/XX/XXXX and installed a NEW transmission, ( {$4300.00} ) under the extended warranty, at no cost to me. Luckly, XXXX had this program and honored it. Otherwise, I would be at a great loss. I did not work during these 14 days because XXXX does not allow us to drive with a loaner car, due to insurance regulations. My ordeal with the XXXX is still far away from ending! DOC # 12 and 12a SHOWS That the A/C compressor needed to be replaced ( {$1400.00} ), vehicle needed to replace BOTH sides axle shafts and align {$130.00} just for the alignment, and that the headligt could not be adjusted because THE VEHICLE PREVIOUSLY INVOLVED IN ACCIDENT. The cooling system needed work, The XXXX State Inspection FAILED due to driver headlight is offand there is no adjust for the headlight. DOC # 13 SHOWS that on TUESDAY XX/XX/XXXX, i again took the XXXX to XXXX XXXX XXXX, and, again with the assistance of the XXXX State Trooper, they removed the front bumper and with an extra work, could ajust the headlight and the XXXX PASSED the inspection. All of these problems I have had with the XXXX, see DOC # s 14 thru DOC # 20, including the amoumt of money I have been spending, shows the quality of the vehicles that are being financed by XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, probably without a minimum of investigation about the their clients. Most likely, XXXX XXXX XXXX XXXX XXXX is CONSPIRING with XXXX XXXX XXXX, acting recklessly to approve the loans. An example is that, if you look at DOC # 21, you notice that this document is THE ONLY information they have about me. I do not have a length of employment of 10 years ; I don't have a " salary '' of {$30000.00}. I am retired and I had not yet started driving for XXXX as as " sole proprietor '' when I was purchasing the car. But, the dealer " slip '' all these paper in front of you and ask you to sign them. And the Finance companies KNOW these procedures and recklessly approve these loans. DOC # 22, shows how the dealer justifies the value of the car. Notice that they list the XXXX as having ALUMINUM ALLOY WHEELS, which is a false statement, to increase the value. Also the indicate that the monthly payment would be {$160.00}, when in fact it was {$170.00} ( see DOC # 23 ) The dealer explains that they obtained the value of the car based on the XXXX and lists at {$8900.00}. DOC # 24, obtained by me, at a cost of {$31.00} shows that the value of that car on XX/XX/XXXX, with ALUMINUM ALLOY WHEELS, ( which it DID NOT HAVE ), CLEAN LOAN, which means with NO MECHANICAL problems was {$5300.00} and CLEAN RETAIL was {$8000.00}. And, to top it all, the car now had to have the drive shaft to the rear differential removed due to mechanical problems on the REAR DIFFERENTIAL. Now, the XXXX is NO LONGER a AWD. It is a TWO WHEEL FRONT WHEEL CAR. I ask that XXXX XXXX XXXX XXXX XXXXXXXX XXXX be FOUND GUILTY OF CONSPIRING WITH XXXX XXXX XXXX TO COMMIT FRAUD AGAINST ME THE CONSUMER. ADDITIONALLY I ASK THAT GATEWAY ONE LENDING & FINANCE REIMBURSE ME FOR THE AMOUNT OF {$2500.00} and deliver the title of the XXXX XXXX XXXX described in this complaint within 48 hours.
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Well, about my complaint. On XX/XX/2019, my issue is I experienced fraud worth {$4700.00} on my account. Initially, I had my Tcf bank card attached to my XXXX XXXX account.
I was at work on that very day, the XX/XX/2019 when I received notifications that my money was taken from my account and wanted to know if I was the one who did it. I oof them I wasnt me, and ordered the to stop authorizing any money out of my account. After the call with the bank, I went straight to the police and filed a dispute. Police information is as below.
Case # XXXX, file police report was about fraud Case # for the dispute XXXX File a police report -have fraud on my a/c Some called XXXX XXXX via XXXX XXXX I called to Confirm becoz some one is using ya name to Fruad I want my $ XXXX -tcf manager # XXXX My case is Under review!!! Need argent help funds, my family is so damaging and have bills polling up.
Possibility of expediting this ; need provisional credit ASAP!
Have upcoming deliverables with family and they all need money Dispute assigned to an analyst.
That will be going over it, by Monday will shall have updated information Covered with a liability, they have to go through a process to recover.
By this, Bank does instigate to get back funds back.
XXXX XXXX phone - is the police that I called after the fraudulent activity and his information is as below ... ..
Budge # XXXX Cell phone : XXXX Call police tomorrow and have a fair hearing.
The type of problem I have is, my bank wont re-imburse me bank my money claiming that after their investigation, they found no information in my favor, yet I still have no idea how some one got money from my account. I never had this merchants name in my XXXX XXXX in the first place, secondly, they money in the amount {$4700.00} Here is some of m information with the XXXX XXXX representative..
Hello, Does the bank now have to refund me since they are reliable to protect me as a reliable customer. I even tired calling the number which was provided ( recipient ) and was never existed? Whats the way forward here, I am getting a court hearing soon with my attorney and wan na know whats in for me from now on.
All that way investigate is what any person would see, by just collecting what the fraudulent activity was from my XXXX XXXX account and putting on paper. Why didnt they go against the receipt thereafter? Loads of unanswered questions that I guess will present to court.
Get XXXX for XXXX From : XXXX XXXX Sent : Wednesday, XX/XX/2019 XXXX XXXX To : XXXX Subject : RE : Refund a Payment Hello, Thank you for reaching out. A dispute ( or chargeback ) occurs when a cardholder contacts their bank and requests a payment be reversed.
Unfortunately, the bank resolved the dispute in the recipients favor. Please note, this decision was made by your card-issuing bank and not XXXX XXXX.
This resolution is final, so we are unable to continue challenging this dispute. If you would like to further pursue the returned funds, you will need to resolve it directly with the recipient.
Excessive disputes may lead to termination of services. To learn more, please visit XXXX XXXX Terms of Service and Payment Terms.
Best regards, XXXX | XXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : RE : Refund a Payment Hello, We have completed our investigation and we have reset your XXXX XXXX account. Because the 3rd party was unable to gain full access, we have been able to secure and return your account back to its original status. This has allowed us to preserve your payment history and retain any funds that were present in your XXXX Balance.
Regarding any transaction involving your debit card ending in XXXX, the most expedient way for you to recover these funds is to contact your bank and dispute the unauthorized activity. When the dispute is filed, your card-issuing bank will handle resolving the issue.
For additional security, we created a new XXXX XXXX number that is immediately available for use in-app. This action disabled your active physical XXXX XXXX. To order a new physical card : Tap XXXX XXXX at the top of your XXXX XXXX.
Follow the prompts to Order your XXXX XXXX and add your signature. Once you are happy with your signature, ta
p Next. Confirm your first and last name and enter in the correct mailing address and hit Done.
Currently, our XXXX XXXX XXXX only communicates via email. We will never ask you to provide us with your XXXX XXXX Sign-In Code or PIN outside of the app. Additionally, XXXX XXXX will never require that you send a transaction, add funds to your balance, or make a purchase outside the app to receive account support.
To further ensure your account security, please complete the following : Security Lock - Enable this setting to require your passcode or XXXX XXXX to authorize every XXXX payment.
Personal Identification Number ( PIN ) - Protect it and keep it private. Do not write it on your card or store it with your card.
Use a PIN that is difficult to guess.
Avoid number sequences ( 1234 ), DOB, SSN, address, phone number, etc.
Push Notifications - Enable for every transaction.
We strongly encourage using an alternate or secondary email for additional security.
Virtual Card - Hide your card details by clicking on your card.
XXXX XXXX / XXXX XXXX / Passcode - Enable enhanced login security measures on all devices.
Because all devices vary, you may need to check your device manual for more information.
Email Two-Factor Authentication - Enable for an additional layer of security.
We appreciate your patience throughout the review process. Please let us know if you have any additional questions.
Thank you, XXXX XXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : Subject : Refund a Payment Hello there, I want a complete update for the dispute I filled about fraud on my account in last couple days.
ref : XXXX : ref Step 1 : What is this complaint about? Fraud Step 2 : What type of problem are you having? Wanted my money back in full Step 3 : What happened? Money was taken out of my account worth {$4700.00} Step 4 : What company is this complaint about? Fraudulent activity Step 5 : Who are the people involved? XXXX XXXX, Tcf bank and me XXXX XXXX
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
Please find attached the signed certified proof of reception of the certified mailed request letter, verifying that TCF Bank has received my request letter as written below.
In regard to : TCF Bank Corporate office From : Checking Account holder, Customer Hello, my name is Mr. XXXX XXXX XXXX, Date : XX/XX/XXXX Subject : A. [ I am hereby requesting A full account of the bank Record ].
My funds totaling exactly {$15000.00} were mishandled, and not deposited according to my instructions to deposit the funds into my account which the account will show the funds were not found in my account, but against my request the funds were diverted into a miscellaneous account or lost money account.
Prior to the TCF Bank ' partial bank merger with XXXX XXXXXXXX XXXX XXXX, I had been working with The TCF Branch Assistant Mgr, Ms. XXXX XXXX, at the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX We, the Assistant MGRS. MsXXXX XXXX XXXX, and I, were working on submitting my request for the Full accounting of the Bank record. regarding my checking account, unfortunately, and outside of our control, all branches in the XXXX, Az state area had been acquired due to the bank branch acquisition of XXXX XXXX XXXX XXXX.
Therefore, I am hereby requesting both [ A copy of the Full Accounting of the Bank Record ],, from XXXX XXXX to XXXX XXXX ], where you will find the entry of my funds, the whole sum of {$15000.00} which I brought in and instructed the teller to deposit into my account, but the records will show that the funds were never credited to my checking account, which will be found within the records of the full accounting of the bank record.
This report will locate my funds which the teller disobeyed my request to deposit into my account but instead recorded in as " lost money, or a similar account entry on or about XX/XX/XXXX.
My checking account number is : XXXX My name is Mr. XXXX XXXX XXXX : My phone number is XXXX.
My social security number : XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX On XX/XX/XXXX, I visited the Michigan TCF Bank branch # XXXX.
At XXXX XXXX XXXX, XXXX, MI XXXX, At between XXXX and XXXX I visited the above branch to deposit my {$15000.00} which I had withdrawn from my XXXX XXXX account, in cash funds to deposit into my TCF checking account, however, the teller maliciously acted against my request, and miss diverted my funds instead into a lost money category instead of just depositing my funds into my account as I requested!
I have had many discussions with the bank ever since this happened until today, finally, I am requesting a : Full Accounting of the Bank Record.
Since that day it happened, I have been fighting to obtain my funds back to my possession. Most recently, from XX/XX/XXXX to XX/XX/XXXX, I had been working closely with the TCF assistant bank manager by the name of MsXXXX XXXX XXXX.
After I had just recovered the bank account numbers, we had all that we needed in order to submit this request to you at the Corporate office, that was until I called one day and all of the branches here in the state of AZ were assumed through a bank branch acquisition.
The incident arose when I visited the above TCF National bank branch, after I had pulled out my envelope of funds, and then handed it to him and asked him to count my money and to confirm that it was {$15000.00} even? Which he, the teller, did and then verbally confirmed it, using the money counting machine on the tellers counter behind the customers counter, and saying : Yes, its {$15000.00}, Thanks, you did the right thing by bringing it in.
I then told the teller to deposit the cash into my account, I then tried to give him my account information, but the teller immediately refused to take my banking account information, saying : No.
and refused to acknowledge my banking information, nor to access my account, and flat refused to deposit my {$15000.00} in cash funds which I had just given him to count, I then asked him to give me a receipt for my funds, the XXXX teller said no, and said " Yes Thanks for bringing it in. '' As if a person like myself should not have that amount of funds, and that I must be just turning it in.
At this point I thought I could be speaking to a bank robber behind the counter, and I was afraid to further press the issue fearing that he might harm me.
I then pulled out my cell phone to contact the police, and that is when the TCF Bank teller changed and said : " Check back at XXXX XXXX, your funds should show up in your account by that time. I continued to call the police, but the police operator denied me a unit, and said : This was not an emergency, but a civil matter, and to call a lawyer.
Being turned off from that branch, I checked back by phone and the branch had not posted the funds, I checked back in person at a different branch, and they did not record the funds ever being deposited into my account.
Meanwhile, I checked back again periodically meanwhile I had continued at different branches, and called in to customer service inquiring of that large deposit that was diverted away from being deposited into my account, no one helped me to open an investigation I then continued to try to resolve this matter with the bank itself making many calls, inquiries and discussions. My account was subsequently closed, and at the time I was managing a busy mortgage branch.
As time went by, I sought council from my new bank who advised me to ask for an investigation. Just after that my mother was horribly injured in a car accident and I was required to move in with her as her caregiver until she recovered, during this time I briefly misplaced my banking account number, but continued to call and seek to track down and locate my mis-directed funds, and later was able to retrieve my bank account number from my tax.
documents.
After locating a local TCF National Bank branch where my mother lived, in XXXX AZ, I continued working with an assistant manager Ms. XXXX XXXX, and as we were readying the final pieces of information to submit the case to the Corporate office, all the branches in the south western US were acquired by XXXX XXXX, XXXX XXXX.
Finally, my chief advisor instructed me to request an accounting of the full bank record on and just after the date of my aforementioned visit.
|
| 06/28/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
TCF Bank agent XXXX XXXX, has Lied to me, I sent TCF a certified and tracked letter, which letter the post office obtained from their office a signed receipt proving reception that TCF had fully received the letter at TCF corporate office in Minnesota, where it was directed to, according to the post office.
When I received that receipt of delivery verification from the post office, signed by TCF banks mail reception, that the letter Id mailed had been signed for by TCF bank, and was delivered, I gave them a few weeks to call back, when they didnt, I called the CPFB, to that TCF responded, but did an incorrect search. I then called TCF bank to discuss the letter, in which I formally requested the review and search of the archives for the : full accounting of the banks accounting record on that day of XX/XX/2005.
The branch this happened at was : [ Branch # XXXX, Located at : XXXX XXXX XXXX, XXXX, MI XXXX : On : XX/XX/2005, early afternoon ] The letter read, to : please review the full accounting of the banks accounting record ... and reported the teller for the actions which resulted in the teller keeping my {$15000.00}. Yet, when I discussed the letter, I sent with the TCF bank, XXXX XXXX, she denied receiving the letter, denied that the letter was sent, that the letter was received, and that the request was made!?
I then told Ms. XXXX that it was a certified letter, which her receptionist had signed for, to this she continued to again flat out denied receiving the letter, I said we will circle back to that, but I informed XXXX XXXX, of the mistake she made, explaining that : she mistakenly searched my account. I told her that the funds being sought were not from my account, nor entered into my account, they were wrongfully entered into the full accounting of the banks accounting record and ledger on XX/XX/2005.
I then re-explained that, when I handed my money $ XXXX to the teller for him to count it, the teller took my money and counted it, but when I told the teller to deposit my funds-and tried handing the teller my banking information, that is when the teller waved me off, refusing to accept my banking information, refusing to return my funds to me, saying : Thanks for bringing it in. but refusing my bank card the teller then followed procedure and deposited my funds into the banks accounting record, in a ledger, with a report, but never did the teller deposit the funds into my checking account.
Therefore, I explained to XXXX XXXX that the bank has to review both the full accounting of the banks accounting record, and its archived accounting records for the day of XX/XX/2005, for my {$15000.00} dollars which the TCF bank teller refused to return to me, and kept from me and entered it into the full accounting of the banks accounting record, and ledger which will certainly be found in the banks full accounting of the banks accounting records.
The first thing that the TCF agent, MsXXXX XXXX XXXX, said was to dismissively raise her voice, and to deny that TCF received my written request, and to say that TCF had not received the certified letter.
I then immediately requested to speak with the persons supervisor, and a manager, which she then raised her voice, and rudely denied me my right to speak to her manager, and supervisor upon request.
I then spoke with XXXX tried to explain again to XXXX, I then re-stated and reinformed her that that I was not talking about my checking account, this was concerning the Banks record of accounting on the day that my money was kept by the teller and put into the banks record. Not my checking account, I explained that when I visited the bank : XXXX Branch # XXXX, Located at : XXXX XXXX XXXX, XXXX, MI XXXX : On : XX/XX/2005, early afternoon ] XXXX XXXX then said that she was trying to get into the archives, but that she was getting the runaround and unable to get any department to cooperate for my account. This told me that she was still making the same mistake and coming up with the same incorrect information searches because she kept trying to check into my account, instead of where I requested which was the [ banks full accounting banks accounting records, and that she had no authority to properly perform the required search.
Therefore, I, again requested her supervisor, and a manager, she raised her voice at me both times, and both requests she raised her voice again and denied requests for a manager.
Which I also, tried to explain that I had previously spoken with a manager of archives, who told me that they hold the information in archives, the full accounting of the banks accounting record.
This person XXXX XXXX denied me again to speak to a manager, who I felt could help her in completing this simple task, but she began yelling : I am the agent on this, over the next few weeks made the same mistake and XXXX gave the same conclusions as regarding my checking account, which was the wrong account instead of following my clear request and instructions to please look into : [ The Full Accounting of the banks accounting records during the date and day of XX/XX/2005. ] This person XXXX XXXX has refused to give me the review which I requested, in light of, considering what the teller has done with my funds, as she even laughed as she kept repeating the same mistake in going back into my account, instead of the banks accounting record, and feeding me back the same results of her initial mistake, looking into my account Therefore, I am, hereby, requesting the : Full Accounting of the Banks Accounting Record for the day of XX/XX/2005, in order to locate my funds in the amount of {$15000.00}.
These funds were wrongly deposited into the TCF banks branch accounting and are still located in the full accounting of the banks record, and ledger record on the day in question : XX/XX/2005. Because the TCF Branch bank teller refused to accept my banking information which I tried to give him in order to deposit my funds after I had handed the teller my cash to be counted.
I have been wrongly treated by TCF Bank corporate office and branch office, Thank you.
|
| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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On XX/XX/XXXX I contacted a party in the Loan Service Center to request a new mortgage coupon book because it would run out by XX/XX/XXXX. Loan Service Center stated they would look into it. I never received a call back or email explaining this situation. On XX/XX/XXXX, I received a bank statement showing my payment for the mortgage and I contacted Loan Service Center to ask about the coupon replacement book. At that time the party in the Loan Service Center said they no longer issue coupon books that I will receive monthly statements in replace of the book. I continued to use the coupon book until end of XX/XX/XXXX, however I never received another mortgage statement. I called twice in the month in XX/XX/XXXX and XX/XX/XXXX about the mortgage statements that I haven't received. I never received a return call or email on my concerns. I contacted Loan Service Center again XX/XX/XXXX because I had no coupons left and no statements and needed to know what I should do. The party within the Loan Service Center stated to write a check and put my mortgage account number on it and mail it. I had to write a check and include my mortgage account number for 2 months in because I had no statement. They were to return the call, email in regards to this and they didn't. Again in XX/XX/XXXX, I contacted the Loan Service Center about monthly statements I was not receiving and they could not give me a good explanation to why but will look into it. I received a letter from the Bank either the end of XX/XX/XXXX to beginning of XX/XX/XXXX that i was in jeopardy of foreclosure due to lack of payments. I immediately went into my Bank in regards to the letter. The Assistant Bank Manager made a few telephone calls and spoke to another party verifying that yes I was missing a few payments. I had brought copies of cleared checks showing that my payments were made and the Bank Assistant indicated to the other party on the phone that she had proof of payments. The party the Assistant Manager was talking to did not know where the payments went that they would get back to me. During my visit at the Bank I told the Assistant Manager that I spend winters in Florida. Assistant Manager requested to the Bank that my monthly mortgage statements to be printed and sent out earlier. I gave the address in Florida and indicated that we also forward mail during my stay in Florida. The USPS do forward bank statement and I have had no troubles receiving any other monthly documents but the Banks. I received a call from the Bank in XX/XX/XXXX about the payments that they were made and it was entirely applied to the Principal. I received another call from the Bank that my mortgage payments had gone up and I had a shortage of {$63.00} in escrow and once the escrow was paid then everything would be okay. I explained I had not received the monthly mortgage statement and had no knowledge that the payments had gone up. I started to receive my monthly mortgage statements again in XX/XX/XXXX and appeared to be fine until XX/XX/XXXX and again did not receive my monthly mortgage statements. I called in XX/XX/XXXX that I had not received my monthly statement for XX/XX/XXXX and the party indicated that the statements were mailed out late and unable to give reason but it will be coming. I called XX/XX/XXXX Loan Service Center i and let them know I did not receive my statement for XX/XX/XXXX and payment was due. At that time I made payment over the telephone for my XX/XX/XXXX payment and stated they will look into why I hadn't received my statement. I never received a return call or email. On XX/XX/XXXX, I had not received my monthly statement for XX/XX/XXXX payment and had to make my payment over the telephone. I requested a receipt copy of my payment for both XX/XX/XXXX and XX/XX/XXXX. I contacted Customer Service on XX/XX/XXXX that I had not received my monthly mortgage statement and the party was going to send monthly mortgage statement to the Florida address. We never received statement via mail that a copy of statement was sent email. Customer Service indicated that the mail does not forward bank statements. Customer Service changed the address so we will receive the statements. I contacted Customer Service on XX/XX/XXXX about statements to let her know we received 2 bank statements. After reviewing the year to date mortgage statement, I questioned the discrepancies on my statement. I questioned the following : 1. When I was told my payments were applied completely to principal, why was this not shown on my statement 2. There was a late fee of {$18.00} and states waiver but I do not see the credit 3. There is an amount of {$63.00} that does not show that it should be applied to escrow 4. Why is there a difference in applied Principal and interest for the month of XX/XX/XXXX 5. Why I am not receiving my monthly mortgage statements These were questions that were asked to Customer Service and I was transferred to Loan Department and and they were unable to figure it out. I was told I would be contacted me on XX/XX/XXXX and NO call or email was made by anyone. On XX/XX/XXXX received an email from Loan Department that they were in process of working on this. On XX/XX/XXXX I received a call from Loan Department and still could not answer my questions. The Loan Department transferred me to another party and still couldn't answer my questions. The only thing she could answer was the waiver fee, that I would see it as a refund on my XX/XX/XXXX 1098 Mortgage Interest Statement which I have and does not show as she indicated. She also stated she was going to send me the loan transaction history that would explain my questions. I did receive and the statement shows less information than the original that I have and doesn't answer any questions. She said someone else will contact me about not receiving statements and as of today XX/XX/XXXX I have not received my call back.
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| 06/24/2020 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My sister, XXXX XXXX XXXX, has a checking account at TCF Bank in XXXX MN. First, I should tell you that my sister is in her XXXX doesnt speak English well, always lives in XXXX MN, and has never driven a car in her entire life. This info is important because it has everything to do with my disputes.
Back in XX/XX/XXXX, my sister received a notice that a new debit card was ordered for pick up at TCF XXXX XXXX branch. Right away, that was a red flag since my sister is the sole person listed on her account, still using her debit card and still has the card in her possession so why would she order a new one. She also doesnt drive and lives in XXXX so why shed ordered a card to be picked up way in XXXX XXXX ( about an hour drive ). We went to TCF XXXX branch and the branch manager was very efficient and courteous. She cancelled the new debit card and reported the fraudulent debit transactions. At that time, my sister added me as a signer so I can deal with this dispute for her. Eventually, those charges were credited back to my sisters account. The manager suggested that we close this account and open a new one. However, its very difficult to switch account with retirement benefit direct deposit so my sister decided to keep her account open until we can find a way to change the direct deposit.
Then in XX/XX/XXXX, my sister received another notice that a new debit card was ordered for pick up at either XXXX XXXX, XXXX or XXXX branch ( Im still not clear on which branch it was and these towns are about an hour or more away ). Since it was a Sunday, XX/XX/XXXX, I logged in to online banking to request the new debit card ending number XXXX ( according to the notice we received ) to be closed immediately. There were 9 fraudulent debits/withdrawals total from XXXX XXXX, XXXX, and XXXX areas, and the total fund debited from the checking was {$3000.00}. The following day, I called TCF Customer Service and a rep told me there is no record of a new debit card ending # XXXX in her account, and that the debits/withdrawals were from my sisters existing debit card ending # XXXX. I told her thats impossible because my sister still has the card in her possession and she has no need of a new debit card since it doesnt expire until XX/XX/XXXX. The customer service rep didnt have an explanation for why we received the notice of a new debit card # XXXX when she said it didnt exist. The rep told me that we have to close my sisters debit card # XXXX. We still didnt understand why but we closed that card and destroyed it as instructed. One of the 9 debits was for gas, which TCF Bank credited back to my sisters account, but wont refund the cash withdrawals nor the larger purchases. The total of fund TCF Bank did not refund is now at {$3000.00}. We didnt receive any explanations except a reply from my online banking inbox that " the investigation is not in our favor and its now closed ''.
I escalated the disputes with a dispute supervisor ( she said her name is XXXX ) over the phone on XX/XX/XXXX, and she said she will reopen this investigation. I checked on the status of the investigation and received another reply in my online banking inbox that " the investigation is not in our favor and its now closed ''. This is the equivalent of calling us liars. There was no letter sent explaining about their findings. I have questions that were never answered, like : -If debit card # XXXX doesnt exist, why did we receive the notice?
-Did anyone call the debit/credit card company that provides the cards for TCF Bank to check on this debit card # XXXX?
-Did anyone question why a person who lives in XXXX want to pick up the card at XXXX XXXX branch when she does n't drive? Isnt that unusual and really unusual that it was requested for pickup at far away branches twice? Shouldn't someone pick up the phone to call to verify this? Isn't that part of the bank training for red flags?
-How did they verify ID of the person who ordered the card, and the person who picked up the card at the branch?
-Did anyone look at the security camera tape to identify who picked up the card? I'd think that would be the first step in the investigation.
-Did anyone look at the tapes at the ATM locations where the money was withdrawn to see who withdrew the cash?
-Why refund the transaction for gas but not for other transactions?
-There is a pattern of how much my sister withdraws, and it's always {$300.00} around XXXX area ( usually at XXXX XXXX ). If they bother to go back to check her account statements, they will see the patterns. These fraudulent withdraw transactions are {$20.00}, {$400.00} & {$500.00}, and they are all in XXXX XXXX, XXXX, and XXXX areas. My sister doesnt know anybody in those areas and does n't drive so she has no reason to go there to pick up debit card nor go there to withdraw cash.
-Finally, I think this is an inside job by one of their employees. That person would know its easy picking on an elderly woman who doesnt speak English. That person would know its easy to order a debit card, pick it up at the branch without anyone knowing and go get as much money and as quickly as possible. I think its also the same person who ordered another debit card the second time. If anyone in Dispute Dept is smart, they better investigate the employees at those branches.
To me, this is just logical thinking but I'm frustrated that they are not listening nor do any real investigations. They are not protecting their customers and let someone committed frauds on an elderly woman who relies on her monthly retirement benefit to live. Shame on TCF Bank! I've lost my confidence in TCF Bank for doing a shabby job of investigating. If TCF Bank is not doing any investigating from this complaint, I will contact the state general attorney next. I'm not giving up until someone listens and do a complete investigation.
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| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR GATEWAY ONE LENDING THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.
XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
GATEWAY ONE LENDING is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that GATEWAY ONE LENDING is the one responsible for removing this information from my credit report. As it currently stands XXXX nor GATEWAY ONE LENDING has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by GATEWAY ONE LENDING and are being reported by XXXX.
Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
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| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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The company in which I have a vehicle loan went out of business due to fraudulent activities to thousands of people like myself. I am attaching websites to show the length of unethical activities they participated in as it relates to my own situation. Apparently, when they went out of business, they sold the existing vehicle loans to a unknowingly third party company in which they did not transfer accurate records. I have been locked out of the online portal of my online account several times after calling the number given to me from the former Gateway One company to reach the third party company that is supposed to be handling the completion of the vehicle loans after the company went out of business. I have called hundreds of times to fight to gain access to my statement after the third party company told me verbally over the phone that my balance was always over {$900.00} even after I called in to pay my bill, the balance never went down. I was transferred from another country ( where the 1-800 # routes you to ) and I requested to speak with someone in America. Everytime I was transferred to someone in America, they told me that they did not see that I owed {$900.00} plus dollars. The third party company outside of America stated that I had two repossessions of this vehicle and that is what made up the extra money owed. My vehicle has never been repossessed. I have never received any court documents, certified mail or notification of a repossion since I have owned this vehicle. The vehicle has never been taken from me in any way. I again called hundreds of times to find out how this happened. I was hung up on from the international person that transferred me over for several months. I contacted my local attorney general 's office to get help. They researched this and told me that their were thousands of complaints and the company was forced out of business by the courts. They helped me get Gateway one to give me access to the statement so that I could see the false charges on my statement. They also helped me put a fraud alert on all of my credit reports. They stated that since the company was out of business, the credit reports would investigate it and remove it. After I gained access to my online statement, I saw the false repossession charges myself. I called back again to Gateway One and asked to speak with someone in America. I spoke to a woman who introduced herself as the manager of the repossession department. She stated that her name was XXXX. She put me on hold and pulled up my account number. She came back on the line and stated, no you do not have any repossessions under your account. I will contact the accounting department to have this removed. I asked for a copy of all of my records from Gateway One to ensure that nothing was showing up under my name. The attorney general also asked me to do this so that I can see any certified mail, court documents or FDIC required documents that Gateway One would have had to file in order to initiate or administer a repossession under my name. I was told that since their was no repossession, there was nothing that she could send me. So, the attorney general helped me mail a packet of evidence to each credit bureau to get the false and inflated repossession charges off my statement so that I can have the correct pay-off amount. I paid it down to under {$2000.00} at this point, but with the fees, it is still showing over {$4000.00} in error. When the credit bureaus investigated this, Gateway One ( who refused to respond to me or the attorney general with evidence of any repossession paperwork or notification date and sign stamped or certified ) send false statements to the credit bureau and are continuing to report the wrong amount on my credit report. This has been going on for over two and a half years. After Gateway One went out of business, the new administrator has told me several times that they have no evidence or paperwork of any repossession under my name. However, after the credit reporting agencies investigated them, they must have supplied false documents to get the credit agencies to keep the wrong amount on file which shows not only one, but TWO repossessions. I called back to Gateway One after getting an update from the credit bureaus. I spoke to XXXX who stated that he was the manager. He again assured me that no repossessions were showing up under this account and that he was going to speak to his manager to review the statement and have an updated copy showing no false repossession fees. He stated that he would mail me a copy of the updated statement showing me the accurate pay-off amount so that I could pay it off and have the correct amount. He never contacted me back. A few months went by and Gateway One again sent a 3rd party person in another company to call me stating that I owed over {$900.00} including two repossession fees. The company went out of business due to falsifying thousands of people like my account. It has been very frustrating to try to show integrity and pay off this loan when they refuse to remove false repossession fees and destroying my credit. I would like to see a copy of the certified court stamped repossession documents signed by a judge, a copy of all of my internal records from Gateway One and all of their third party contractors and a copy of the information they submitted to all three credit bureaus. This evidence will provide clear proof that these repossession fees are fake and are being used to harass consumers like me when companies are exposed for not honoring the FDIC and Consumer Protection laws. Please help me, please! These people don't care about no one!
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| 08/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hello, I was approved for the XXXX XXXX XXXX, I provided the following information to the bank, LLC, Taxes, EIN, ID, Website, Approval emails, and invitation emails to apply for some reason the bank is refusing to release my funds. On XX/XX/XXXX, I spoke with the bank, they informed me that SBA requested the money back and the money was sent back to SBA.
When I called SBA to inquire about the monies, I was told there was no record of them being returned. The bank branch advised me that once the {$10000.00} cleared, I would have a balance of {$9100.00}. I sought to have the {$5000.00} overdraft removed because I never received {$5000.00}. TCF bank is giving me the runaround ; I can't get a straight answer from them. TCF claims that the branch can address my problems and that I don't need to phone every day ; however, the branch claims that they have nothing to do with the hold and the overdraft and that I should contact TCF.
Also, instead of informing me the truth, the bank misled me into believing my SBA monies arrived in my business name. I went inside the branch and asked teller XXXX the name the funds were deposit in, he informed me that the funds came in my business, which was not the case, I was informed by SBA the funds were deposited in my name.
The grant was not approved by TCF Bank. Why is TCF withholding my payments despite the fact that the SBA approved my grant? Why is my account {$5000.00} overdrawn after bank branch tells me the SBA had requested the monies be returned? Why did TCF take my first SBA funds without issue in XX/XX/XXXX without asking for documents or placing a hold on my SBA funds?
After communicating with TCF on XX/XX/XXXX, I was told that if I could show that I have a website, the monies will be released. I took a seat in the branch and showed bank teller XXXX my website and gave him a copy of my leaflet. Then bank teller XXXX asks me for an LLC document. When I tell him I don't have one, he says, " Well, I can't help you. '' I leave and return the next day with the LLC. I called TCF to inquire about the status, and now TCF is attempting to convince me that I require a business account. I notified TCF that this is not the case, and that I am legally permitted to deposit my SBA cash in my personal account. The grant is in my name, the XX/XX/XXXX taxes have my name and my business name, the EIN document has a cover sheet faxed from IRS showing my name and my business name and my LLC has my name and my business name.
After submitting the LLC, I called TCF to inquire about the status, and now TCF is attempting to convince me that I require a business account, then TCF tells me to print the application and get the application notarized. I explained I received an invitation to apply for more funds based on my application from XXXX. I provided the invite for both grants and I provided the approval for both grants.
I also notified TCF that this is not the case a business account is mandatory, and that I am legally permitted to deposit my SBA cash in my personal account.
It's easy to prove my identity because I believe I've been with this bank for over 15 years. I can only conclude that the bank isn't acting in good faith, isn't treating me fairly, and isn't following all applicable rules and regulations. This bank is making things up as they go along, so how many customers have given up after being put through this type of behavior?
Why put me through this if TCF has no intention of releasing my monies? Return the money so I may have my funds deposited in another bank. I have no intentions on giving up, these grants were approved all ready. Also, as the sole proprietor it wasnt mandatory to have a LLC SBA approves loan and grants to sole proprietors without LLCs, Why is my money being held and why is the bank making up rules? I believe I established my identity?
I provided the bank with everything they requested.
XX/XX/XXXX, I submitted Taxes. EIN, ID, and Approval Email XX/XX/XXXX, I submitted Website XX/XX/XXXX, I submitted LLC and invitation email XX/XX/XXXX, I called to check the status I was informed SBA requested the {$5000.00} to be returned, I asked what about the {$10000.00} the bank said if the {$5000.00} was sent back then the {$10000.00} probably will be returned.
Please help me understand why the bank is refusing to release my funds and why the bank is requesting paperwork every time I provide verification, once I provide verification the bank comes up with another document, TCF had me going into the branch on three different occasions instead of asking for everything at one time. It appears the bank is throwing everything at me until I am no longer able to provide documents, why is the bank doing this when the SBA approved my grant.
It is my understanding that SBA has provided each bank with a private number for questions, if the bank has questions concerning the grant the bank should use the number.
Finally, my pension will be paid on XX/XX/XXXX, as long as the bank has the {$5000.00} overdraft on my account. My pension will be used to pay a payment that does not belong to me, and I requested that the overdraft be removed when the bank inform me that the {$5000.00} has been returned but continues to show overdraft on my account.
Thank you for looking into this matter and I have all documents if needed and I have all phone communications between myself, TCF, the Branch and SBA.
XXXX XXXX
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| 06/28/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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TCF Bank Dissatisfied Customer Since I have had a bank account with TCF Bank, I have deposited money from every source of income. These sources included part time jobs, birthday/holiday gifts, odd jobs, as well as direct deposits from full time jobs.
The following situation occurred with TCF Bank on XX/XX/XXXX. On XX/XX/XXXX, I tried to use my debit card, it said insufficient funds. I went to my bank Branch only to be told my bank account was down to XXXX. When I told the teller that I do not get a statement mailed, and she said I was enrolled in online banking. I informed her that I did not sign up for on-line banking. I then asked her what e-mail they have on my account, and she informed me that there was not an e-mail listed for me. I also asked what phone number they had on file, and she informed me that they did not have a phone number on file. So basically it looks like TCF enrolled me in online banking without my approval.
At this point I asked for a list of transactions and found that {$5700.00} taken out of my account until there was no balance. An individual had stolen my account number and had been using " cash App '' to send money to different people since XX/XX/XXXX. When I said I do not have a cash app account, she started the dispute process. TCF decided that it was my problem that they were denying all the disputed transactions, that I should have reported it as soon as I noticed it. I said I do not get a statement and I do not do online banking. I then was in contact with higher levels of customer service, and the dispute department decided they would look further into it. After numerous requests to speak to the Dispute Department, I was never allowed to speak with a member of the Dispute Department.
When I reached yet another level of Customer Service, I wanted to know why the fraud department had not shut down the card or contact me. As a valued customer of TCF, my expectations are that they have a Fraud Department that looks for irregular activities on my account on a daily basis. The increase in volume alone should have been a Reg Flag. When there are transactions being sent to an individual named XXXXXXXX XXXX this would be a giant Red Flag.
Prior to XXXX of XXXX, I averaged 4 to 6 purchases a month. When the fraudulent activity began, the transactions jumped to 20 to 25 transactions per week. At first the transactions where at a low amount in the range of {$20.00} - {$35.00}. The individual would take out {$300.00} - {$500.00} a month in order to drain my savings in smaller chunks. The longer the fraudulent activity went on, the number transactions became larger, with the XX/XX/XXXX transactions of $ XXXX {$2000.00} until the account was empty. This was the same account my check was automatically deposited.
The thief had sent money to XXXXXXXX XXXX on a majority of the transactions. At first the transactions had started about {$20.00} to {$35.00} dollars all through XXXX XXXX. I contacted cash app to confirm I did not have an account. TCF did not contact XXXX XXXX. The customer service rep said in our first conversation she could see that I had not ever signed into online banking. I contacted my cellular phone company to see if I ever downloaded the TCF online banking App. I never even had the app. When all of this was reported to TCF they said they had made their decision and I should have checked my statement, once again I said I did not have online banking, and I did not get statements in the mail. I have finally received {$3500.00} back to my account, this still leaves me short {$2100.00}. Again, my expectations are that once TCF 's Fraud Department did not contact me or see the radical change in use, they should be responsible for the entire amount of my loss. Visa was responsible for the credit back to my account. TCF would only ask VISA to review the 35 largest transactions. If they were willing to send the 35 largest transactions, why not all of them? Again, all the fraudulent activity was executed by XXXX XXXX and was verified to be criminal activity. So, why stop at the top 35 transactions when TCF Bank knows that the remainder is fraudulent as well?
Near the end of the contact with customer service they became almost accusatory, we had taken so much of their time, and we should just be happy with what we got.
To be honest, I can not believe how poor the Customer Service has been with TCF Bank. From conversations with other people, this type of activity is flagged immediately. Debit cards, credit cards, etc. are put on hold until the customer validates the activity. After reviewing the volume of transactions and the ridiculous names of who the transactions were sent to, Im shocked that TCF Bank would not take care of the issue immediately. I have also taken the time to review the experience of TCF Banks Board of Directors and Corporate Officers. Even more surprising is the fact that their experience ranges from the top financial institutions in the world, like XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and other prominent financial institutions. Unfortunately, their prior experience with these reputable financial institutions did not carry over to their leadership roles at TCF Bank. From this experience, I would stack rank TCF Bank at the bottom of the list as it relates to providing security to your personal savings!
|
| 05/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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First I would like to say as a whole Gateway One Lending feels like they are untouchable and create there own rules and persistently violates federal banking laws which I will disclose below. # 1. Gateway One several years back fraudulently and without my knowledge or consent opened a bank account in my name with TCF Bank, When I contacted them about this issue I was told by there staff that this was a partner bank of Gateway One and was told " Why am I upset I am free to use the account they even put {$5.00} in it as goodwill '' I Informed there staff that I do not care about {$5.00} that is is illegal it amounts to identify theft as no where in my contract did I ever grant them power of attorney to open the account, I was then informed that they were in the process of merging and if I closed they account they would refuse to take payments and then force repossession. # 2. After you are a day late they begin to harass my self, my employer, friends and family even after being demanded never to contact those locations again by both email and verbal calls. on some days they would call 9 times through the day they would also disclose the reason they are calling to family and friends. # 3 Gateway One illegally stalks and calls random people if they believe there is a link between myself and them for example in Florida there happens to be a few other families with the same last name as myself we have no relation to one another, we do not live in the same city and have never shared an address but we have met each other I was informed by them that Gateway One had called them expelling they are a debt collector looking for myself, They have also called distant relatives that were never placed on my loan as contacts can called them multiple times ( 1 of which is a high ranking XXXX with the State of Florida XXXX ) even after I instructed them and sent emails to stop, They have even gone as far as calling friend or affiliates and telling my employer all after being told not to call we had 2 high ranking members of my employer ask them never to call again and that never stopped them. # 4 they lock your account from online payments once you are near 30 days past due to charge you an additional late fee, interest, and then they charge you a phone payment fee because they block your account from online payment In a sense they double charge you a late fee because they will only accept a phone payment once you are late then they charge you to make a phone payment. # 5 even if you make a payment on time they will mark your credit report as late on 4 occasions I have had to dispute wrong information on my report all thought once the dispute was sent out by XXXX they corrected on 1 instance they did not and when I called they requested me make a payment before the due date if I wanted assitance. # 6 they changed my due date several times without my permission. # 7 they will send a statement with incorrect or misleading information such as due dates and they will often send a statement many days after the payment was due sometimes even a month after the payment was due you will get a statement that says printed date for example X/XX/2017 then it will say for example due date X/X/2017 so if you make a payment you will owe a late fee, interest and there hidden phone payment fee. # 8 I have always sent {$15.00} extra on every payment but somehow all that extra payments vanish into air, they were instructed by me to place all extra payments towards principal not to just apply to next payment. # 9 I refused Gap coverage at the dealership ( XXXX XXXX XXXX ) I was then told 72 hours later I had to come back and accept gap coverage or I had to return the card to the dealership and forfeit the down payment so I was bullied into taking the coverage I was then told I could cancel it within 30 days for a full refund but when I called gateway on the refused and told me it was required on each loan or face repossession so I sent a formal letter but it wen unanswered just like every other request made to them weather its by email, on there website contact button, via postal mail or by phone they do what they want I have kept copies of all emails & traditional mail sent, I have lost thousands of dollars dealing with these swindlers, I have been embarrassed by all there calls and defamation, I have been a victim of identify theft by them opening an account I have been unaware of and who knows what else I will find, I have been waiting to make a report but one time I threatened to make a report and Gateway One staff mad e threat to me that any reports to government agencies will result in them refusing payments while the investigate complaint and will result in repossession. I have made my final payoff today that 's why I feel safe to make a report without fear of retaliation, like I was threatened. And also if you try calling them from one of our company recorded lines they will refuse to talk to you. I would like the government to take action so no other American has to be a victim of this company. I would be more then happy to appear at any court hearing against Gateway One. I will also be reporting this to all attorney generals in states they do business as will any other regulatory agency that overseas them.
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| 08/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Im a Small business owner/Sole proprietor.I lawfully applied & was approved for Target Advance funding from The Small Business Administration in the amount of {$15000.00} to my TCF checking account that would deposit at 2 seperate times : {$5000.00} & {$10000.00}. {$5000.00} deposited on XX/XX/XXXX with no issues and sat in my account four days.Then {$10000.00} deposited XX/XX/XXXX.
I transfered {$7000.00} out to another account I own. Without notification, The Bank blocked my debit card when I tried to continue making my normal daily purchases, & lied when I called them ; by saying my deposits from the Sba had mismatched names on them. They also lied about {$5000.00} being placed on hold after an argument with a TCF rep over the phone.I sign into my account online & I see they have my {$10000.00} deposit, classified as a return item/credit card payment to the Sba.
TCF was sending {$10000.00} to the SBA, {$8000.00} of which was my remaining balance.They claim it was mismatch info on the deposits.The strange thing is ; I already transfered {$7000.00} out with a remaining balance of {$8000.00} so basically TCF gave the Sba {$2000.00} to make it appear, it was the same {$10000.00} that deposited.
TCF actually took the remaining balance of {$8000.00}, added {$2000.00} on top of that, to give to the Sba without ANY NOTIFICATION, PERMISSION NOR WARNING.I spoke to my local branch manager over the phone. After some digging, she said it was a mismatched name on the deposits but she couldnt see what the name was on the deposits.I called TCF again & escalated the issue. They finally told me it was my business name on the deposits ( XXXX XXXXXXXX ).
I informed them, that XXXX XXXXXXXX is my business name & I have documentation to prove it, similar to the documents I provided to the Sba to receive the grants ; as it was a meticulous process that I went through to receive the funds, for which I waited a year to receive.
I expressed concern as to why I wasnt notified of their ( TCF ) concerns before they restricted my debit card usage & were removing my funds without ANY COMMUNICATION before hand. I received no answer to that particular question.
TCF then said they were understanding to my dilemma & that they would gladly process the {$10000.00} that the Sba would reissue, with they receive those funds back.
I informed Sba ; and my loan officer of everything that occured & she assured me that Sba would refund me any/all funds that TCF would return.
Within the same week of XX/XX/XXXX, I went to my local branch & supplied docs to prove my business & identity as I was told this would resolve the issue.
I informed the local branch manager that the people over the phone lied, by saying it was my business name that the funds were disbursed under. I provided to her email communication showing that my loan officer provided me with a screen shot proving it was MY PERSONAL NAME, AND NOT MY BUSINESS NAME THAT THE GRANTS WERE PROCESSED WITH.
I was told previously and as most would know ; you dont need a " business checking account '' if you are a SOLE PROPRIETOR.
The bank continued with deceptive practice, via the local manager when she provided a letter from TCF stating that {$5000.00} was ON HOLD for reason given : " We anticipate receiving a request to return the funds to the originator ''. This made NO SENSE TO ME.As {$5000.00} ( {$7000.00} ) already transfered out & also, I was contact with the Sba every week, every other day via telephone & email communication regarding this issue ; because the Sba also wanted to know exactly why my bank was with holding my funds from me and they wanted to MAKE SURE I wouldnt experience these problems again when they process my refunds.
So again, we have atleast THREE INSTANCES of my bank exhibiting deceptive practice. Two of which ; were lies. They said it was a mismatched name on the deposits ; which is a lie. They said they are holding {$5000.00} ; to justify why they sent The Small business administration $ XXXXWhich actually {$8000.00} was my funds & {$2000.00} was funds they added.
TCF continues to this very day, with the deceptive practices regarding my account. I have TWO very different negative balances.
When I sign in online ; the negative balance reads : XXXX Yet, in my monthly statement it reads : XXXX.
The lesser amount is more accurate : as it reflects the roughly {$2000.00} that TCF gave The Sba, when they stole {$8000.00} from my accounr & sent it back to them and now this very amount of XXXX ; TCF is saying is my responsibility to pay.
TCF is saying its my fault that they gave The Sba roughly {$2000.00} ; because they were too busy practicing illegal activity by transferring my funds without permission of ANY SORT. Not from The Sba, a court order nor Me.
For 2+ weeks Ive been contacting TCF XXXX to hear back regarding this negative balance on my acct & to ask WHY the bank lied about everything and they are OUTRIGHT REFUSING to take any accountability nor responsibility.
Please step in.
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| 02/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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The purpose of this compliant against Gateway One Lending and Finance is due to the Violation under the Service members Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043.
By violating the SCRA by failing to refund, on a pro rata basis, lease amounts in the form of capitalized cost reduction ( CCR ) paid in advance by service member ( spouse ) who lawfully requested time terminated automobile contract upon receipt of qualifying military orders. See 50 U.S.C. 3955.
The purpose of the SCRA is to provide service members with protections to enable them to devote their entire energy to the defense needs of the Nation and to protect their civil rights during military service. See 50 U.S.C. 3902. One of those protections is the right to terminate a motor vehicle lease or contract without penalty at any time : ( 1 ) after entering military service, if their orders call for at least 180 days of service ; ( 2 ) after receiving qualifying military orders that permanently reassign the servicemember to another location ; or ( 3 ) after receiving military orders to deploy for at least 180 days. See 50 U.S.C. 3955 ( b ) ( 2 ).
A company who fails to adhere the contractual termination violates that servicemembers federally protected rights under the SCRA.
My husband joined the XXXX XXXX in XX/XX/XXXX. We started the contract with Gateway one Lending Finance for our XXXX XXXX XXXX suv in XX/XX/XXXX.
The seller for the XXXX XXXX XXXX contract was at a XXXX XXXX XXXX XXXX NJ XXXX.
The vehicle was financed through Gateway One Lending and Finance.
My husband received XXXX to XXXX XXXX XX/XX/XXXX for a tour of 12 months ( until XX/XX/XXXX. ).
Received XXXX fall of XX/XX/XXXX for a total of six months to XXXX XXXX until XX/XX/XXXX.
Received XXXX XXXX to XXXX XXXX in XX/XX/XXXX.
HISTORY I attempted to reach out to Gateway One Lending and Finance XX/XX/XXXX stating that my husband will be XXXX to XXXX, XXXX in the fall of XXXX by being proactive in preparing for another move I spoke to XXXX XXXX ( Loss Mitigation ). Per our discussion, she stated she will need documents to proceed. She sent an email with the information to be requested and had courtesy copy XXXX XXXX, and XXXX XXXX. XXXX sent an email dated XX/XX/XXXX asking to send my husbands XXXX XXXX XXXX, including power of attorney. During this time, I attempted to contact via phone due to the nature of the case I didnt want to send irrelevant documentation. I was advised to send a copy of my husbands enlistment paperwork of the original document ( stating when he first enlisted in the military service ) sent XX/XX/XXXX at XXXX XXXX. I also sent the other documents via email to XXXX.
I went to the base legal office at XXXX XXXX for guidance on how to proceed with this situation before sending any correspondence. I saw XXXX XXXX who specialize in SCRA on XX/XX/XXXX. He advised that I reached out to XXXX XXXX notifying the company that my husband will be deploying overseas. He also stated that he would assist me with this matter due to the sensitive issue of SCRA. I received an email on XX/XX/XXXX from XXXX XXXX also attempted to contact Gateway One in regards to this matter. He stated via email Unfortunately I was not able to have any significant conversations with Gateway. I called on you and your husbands behalf, but in order for them to share any meaningful information with me regarding your accounts you must sign an authorization of release from them. He reiterated that I should contact Gateway One Lending and Finance to effectively communicate this matter.
I followed up with XXXX via phone conversation and was told my husband did not qualify for SCRA benefits.
During the duration of the vehicle loan, my husband has XXXX overseas twice and received XXXX XXXX XXXX XXXX XXXX as a recruiter to XXXX XXXX XXXX. We communicated with the Legal Office on XXXX XXXX XXXX base XX/XX/XXXX and suggested we file a complaint against the company if no efforts to resolve this matter has been made.
RELEIF REQUEST I have obtained copies of each of the orders both XXXX/XXXX and or a letter from commanding officer stating the pending ( previous ) XXXX.
Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 535, this letter is the formal written complaint due to the lack of communication, noncompliance and no communication notice to terminate the vehicle lease agreement for the above referenced motor vehicle.
My husband is currently XXXX on XXXX XXXX with the XXXX XXXX. He received XXXX and XXXX for 180 days or longer. He received XXXX for a XXXX XXXX XXXX XXXX from the continental United States to outside the continental United States.
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| 04/10/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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In early XXXX of XXXX, it was discovered that one of my two checking accounts had been stolen from, while I was away from home on business and with personal affairs. I reported this situation to my bank as soon as I found out about it. These claims were then denied.
Despite reporting my claim as soon as I was aware. And transactions being forgiven after this claim that were caused by the same person or theft. The bank refused to forgive the duration of the theft. Through they had forgiven instanced committed by the same person after the fact I reported this issue to the police. And the police in my county have proof without a doubt this man or independent person stole my money. The police report number was submitted to the bank, and all transactions that I could prove were also submitted.
Covid 19 happened and communication with the bank became scarce. Everyone is doing what they can.
They are essentially refusing my claim because it is a large sum of money and they dont want to push it though. They have stated I have online banking and I should have known. I have two bank accounts and that is not my main account. When my bills started getting kicked back I re downloaded my app on my new phone and discovered what was going on.
They originally filed my claim wrong. And kicked it back not because of the online registry I had with online banking. But because a clerk filed my original claim that someone had stolen my information only and not my card. Nothing was sent or stated to me that I had online banking so good luck. Nothing about this.
I disputed this with the management at the XXXX location. The manager said it was filed wrong and called the agency that deals with this. She said she was going to put through all transactions not just the ones I could prove on camera. Despite what I told her about what the XXXX county investigator said to stick to what he could see. Although he knows all were fraudulent transactions. I listened to the advice of my banking institution. As I have been banking with them since I was 16 years old and I am now XXXX.
This claim was now denied because of how long it had been. Covid 19 and duration is not my fault when the original claim was denied due to a data entry error by their staff at the XXXX, IL location.
I called and tried to resolve this. Was told there was nothing they could or would do for me. That the theft was for too long a period and time should have known. Despite being away and not having internet other than my phone and no updated app on my current device. Despite having two bank accounts and trusting my account was safe in my residence while I was away. Despite coming to them and having them say nothing about online banking and duration of time until the end of this claim just to come up with any reason to not give my money back.
I can prove without a reasonable doubt this was theft, and the perp is in jail. During Covid 19 we are all suffering. I had to suffer through this theft with no help and correct direction from my banking Institution I should be able to trust when things like this happen to help me through to the correct resolution. Accounts have protection against theft.
This was a major theft over a duration of time that resulted in over 6,000 of funds being drained from me between XXXX of XXXX and XXXX of XXXX. And then Covid happened and I lost multiple lines of work.
Why did no one say to me at the start of all of this that I should be help liable because I have online banking? Why was my original claim entered incorrectly by staff? Why did management give me poor advice, and not again say anything to me about online banking? Why is online banking a cop out to blame me for someone coming in and taking my card to drain my account of all of my savings?
I have never had any instance like this, and the theft had been proven. I am behind on my mortgage and life due to this issue and have come to TCF BANK time and time again on this issue, only to be turned away.
Then they stated this person knew my pin. No. He guessed my pin. How can I control an independent? Other than to turn to all the legal outlets I can, and where the theft happened. How can they acknowledge this happened and refund transactions after the fact ( time and date in question ) from the same stealing person .... but not the Instances prior that were committed by the same individual!
It is disgusting to do this to people that have been nothing but loyal to a business almost their entire lives! I will have to bank with another institution I can trust once this pandemic is over and I can stop my direct deposits.
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| 06/04/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Fee problem
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Web |
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TCF has charged me over {$2300.00} in fees in the past two months for overdraft charges.
The branch manager that I spoke to, said that TCF would have covered the overdrafts without all of those fees if the savings account money would have still been in there. We had an unexpectedly large tax bill this year and in order to pay it we had to basically clear out our savings and checking accounts. The savings account went from a little over {$12000.00} to {$52.00}. The following list show all of the bank fees and the days they were taken from out account for the two months involved.
XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$37.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$110.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$110.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$37.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$48.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$37.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$180.00} The total for all of the fees was : {$2300.00}.
I went in to the bank on Saturday, XX/XX/2019 to try to work this out. We have been TCF customers for about 25 years. I explained to her that I have a XXXX condition and I have a major XXXX scheduled in the next week. I told her I have been on pain medication and sick with XXXX. The branch manager briefly looked at my account on her computer and then told me that " for PR '', they could give me {$100.00} back. She explained that the charges for overdrafts changed when our savings account no longer had money in it. When she told me that she could offer the {$100.00} I laughed and then started crying so hard that I had to leave. I feel completely taken advantage of. When I got home, there was an email from the bank saying that they deposited {$100.00} in my account.
I did not agree to take the {$100.00}. I certainly didn't sign anything.
I went back to the bank when they opened again on Monday, XX/XX/XXXX. I again asked for help and the branch manager said again that there was nothing she could do. I asked her what is the next step for me to remedy this and she said I could file a verbal complaint. I said I wanted to do that. I asked for the regional manager 's contact information before I left and I was given a sticky note with his contact information. I told the branch manager that I felt like she tried to take advantage of me by saying I had agreed to take the {$100.00} return for compensation for this.
When I got home I received a call from the regional manager. The branch manager must have called him after I had left the bank. He basically said the same thing she did. They couldn't do anything about it. He said he would be happy to send me some instructions on how to better monitor my bank account. I know how to manage my bank account, but I have been sick and on medication. This is an incredibly difficult time in my life. I was insulted and still not getting any help.
The regional manager also asked me if I would like to put in a formal verbal complaint and I again said that I did. He was not able to tell me what, if anything would happen next. When I asked him for the name of his supervisor he said he would not give it to me. I asked him several times and he refused to tell me the name of his supervisor.
I am more than happy to pay a reasonable fee for the overages. I use this service every so often and understand that there are fees but I had NO IDEA that I would be charged {$35.00} per transaction and up to {$180.00} on any one day - which happened multiple times during this period. I view at my statements online and there were no alerts to this issue. I received no emails, no calls, nothing. The fees were buried within the lines of the transaction page which you have to go through multiple pages to see - you can only see about ten transactions on each page at a time. Looking at my transactions, I can't even figure out specifically which transactions were being covered.
I want to pay a fair fee for using the banks ' services. This is NOT a fair fee. It is equivalent to three weeks of our family 's income. It was a mistake on my part - yes, but all things considered {$2300.00} is not a fair bank fee. This is taking advantage of me when I am down and making things harder for my family during this already hard time.
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| 09/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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On or around the end of XX/XX/2018 or early XX/XX/2018, I contacted my local bank TCF located at XXXX XXXX XXXX XXXX XXXX XXXX, Co about overdraft fees on my account only to find out that the vendor was not authorized to charge my account and the Bank stated that I should come in and get a new check card and that they would also waive the overdraft fees. Unbeknownst to me at the same time I had cancelled a subscription with XXXX XXXX XXXX XXXX XXXX XXXX in late XX/XX/2018, I would have never known until XX/XX/2018 that TCF Bank had allowed my account to be charged recurring charges from XXXX XXXX XXXX even though I had cancelled the services with them { XXXX } back in XX/XX/2018. Because TCF allowed my old debit checking cards whether they were deactivated or active to stay on my personal checking account without deactivating them it propelled me to go to my local branch and file a complaint with my Branch Manager XXXX on XX/XX/18 demanding my money back from TCF not XXXX XXXX XXXX XXXX XXXX even though TCF Bank acknowledged that it was 2 bank check cards associated with my personal checking account they immediately cancelled the card that XXXX had been billing for on a recurring basis on XX/XX/18 and stated that it should have never happened and that I should be getting a refund within 3 to 5 Business days only to be told that it's my fault that I didn't request for my cards o be cancelled after I gave them back to the bank. I was also told that several complaints had been filed for me regarding my complaint and was told by several Team Leads, that I would be refunded {$44.00} and that TCF 's Dispute Department would also be going after XXXX XXXX XXXX XXXX XXXX XXXX for the balance of money that had originally been drafted from my account since XX/XX/2018 when I previously cancelled my subscription with XXXX a service I purchased I believe in early XX/XX/2018. I stated to TCF Bank that his is not a XXXX issue it's a Bank error on their behalf because they should have protected my account against theft if the company knew that a customer shouldn't have multiple bank check cards associated with only 1 checking account, but according to TCF Bank and their reps a poor XXXX person as myself with a fixed income can have how many cards on their or vendors or whatever to get money from without your knowledge because that's what happened to me. I've been in touch with several customer service reps, team leads as well as my Branch Manager who originally filed my complaint. After 17 business days awaiting a refund from TCF 's Dispute Department because that's what I was told every since XX/XX/18 until as recently as XX/XX/18- XX/XX/18-XX/XX/18 I was told by rep 's in the Dispute Dept. that my account would be positive by XXXX. This morning I contacted TCF Bank only to be told that they thought I had a Fraud case and being that I don't they will not be giving me any money back on my account but will continue to try and get the funds from XXXX XX/XX/XXXX. I would like to know how is it that I only had 1 bank check card in my possession and it wasn't the one that XXXX was charging and being told by TCF that customers don't have 2 bank check cards associated with 1 account but can have 2 checking accounts with 2 check bank cards which I didn't have with TCF but yet it's okay for you to have active bank cards on your 1 and only bank account for anybody to charge because they were never deactivated. In closing I would also like to know when has it ever been up to the consumer to make sure that our Financial Institutions cancel personal information off of your bank account or credit cards, bank check cards etc, so that companies or scammers, hackers can't continue to abuse or utilize your information for self gain or interest, it's to sad to know that although TCF calls me one of their most valuable customers who have been with the Company for years and always strive to return surveys to the Company to show my appreciation for a job well done with any Rep, or Manager as well as complain when it's not to my satisfaction. Today is a day I would like all consumers to know that because of your Agency the CFPB people like me the less fortunate have someone who can show these flawed companies that little things count the most and to stop misleading or misrepresenting what the Company 's true dedication is to their customers because it's not fair to feel as though you can't trust your bank when the company is truly at fault and not willing to admit let alone take care of their consumer
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| 07/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My husband and I owned a catamaran that was in a charter fleet in the XXXX XXXX XXXX. Our boat was destroyed during Hurricane Irma last XXXX. Because of our boats location after the storm, it took several months for it to be surveyed. Finally, in early XXXX, it was declared a total constructive loss by our insurance company, XXXX USA. XXXX specializes in yacht insurance.
In XXXX, XXXX sent me a check for the hull value of the boat minus our storm deductible. The amount of the check was roughly {$310000.00}. When I received the check, I immediately contacted XXXX XXXX, who carried the mortgage on the boat. At the time of my phone call, we owed approximately {$200000.00} on our loan. XXXX XXXX instructed me to do a wire transfer of the funds as sending a check for that full amount was not ideal, and they provided me with their routing info.
The next day, I deposited the check into my account at TCF Bank. I told them I needed to do a wire transfer but they told me Id have to wait until the funds cleared which could take up to a week.
I contacted XXXX XXXX again to tell them the wire transfer would be slightly delayed. At the time, they encouraged me to make my next scheduled payment ( which was in a couple of days ) so I wouldnt accrue additional interest for non-payment.
A week later, someone from TCF Bank contacted me and said there was a problem with the deposit. I didnt have correct endorsement so they couldnt release the funds. It turns out that the check XXXX sent to me was written out to both me, and XXXX XXXX because they held the loan. TCF Bank gave me an affidavit and instructed me to have someone at XXXX XXXX sign and send back so they could clear the check.
I went to my locaXXXX XXXX XXXX branch with the affidavit. They refused to sign but contacted someone in their loan department and sent the paperwork to him/her.
I contacted my insurance agent at XXXX to explain the situation. They told me it would be easier to get the original check back from TCF Bank and send it back to them. Then they would reissue the check to either me or XXXX XXXX but not both. I went back to TCF Bank and was told that the original check had been destroyed. There was nothing to give me.
Meanwhile, the affidavit floated around XXXX XXXX until mid-XXXX before I finally found out that they refused to sign it. Apparently, they were worried that I would run off with their money and not pay back the loan. Even though the first thing I did when I received the check was to contact them about paying it off.
At this point, I contacted my insurance agent at XXXX again and asked if they could stop payment on the check. XXXX contacted their bank, XXXX XXXX, to explain the situation. On XX/XX/XXXX, someone at XXXX XXXX contacted my bank, TCF, and told them to release the funds.
During this entire time, none of the parties involved in this issue could clearly explain the situation to me, despite repeated attempts to get some information. Finally, my insurance agent at Pantaenius contacted me and said that TCF Bank had still not released the funds. During the first week of XXXX, I contacted my branch manager directly and asked for an update. On XX/XX/XXXX, I received an email saying that TCF Bank was cutting a check to XXXX XXXX. They would not accept a wire transfer.
At that point, TCF Bank had access to {$310000.00} of my money for over four months. Meanwhile, I have spent countless hours dealing with this situation when I should have been working. In addition, we had plans for our portion of the insurance money. We put a down payment on a cottage on XXXX XXXX, XXXX, back in XXXX when we received the check. Fortunately, we had a contingency written in the offer about this or we would be in a worse situation.
Clearly, there were many people at fault in this story. XXXX should not have written the check to both me and XXXX XXXX. I should have realized the check was written out to both me and XXXX XXXX before I tried to deposit it. TCF Bank should have realized the check didnt have proper endorsement. But, the biggest issue is that TCF had access to these funds for almost five months, they have caused me countless hours of time, they caused me to lose out on an investment opportunity, I lost out on the interest I wouldve made on that money had I not purchased property. Meanwhile, I have continued to be responsible for the original loan amount and have spent thousands of dollars in interest over the past six months.
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| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our primary mortgage was marked " delinquent '' from Chemical Bank on XX/XX/XXXX due to a supposed escrow increase which caused our " on time '' payment to be incorrect by the escrow increase of {$170.00}. The escrow increase was due to a change in property taxes which came into effect in XXXX according to the bank. However, we had been in constant contact with the bank about how much our payments needed to be and how they were going to be paid since XXXX when our relocation company XXXX XXXX took over the payments and needed to know who and how to make them to Chemical Bank. Our relocation sent payments and wired payments in order to make sure the loan was in good standing from XX/XX/XXXX to the closing on XX/XX/XXXX. We received communication from Chemical Bank through written documents via email and phone calls from their customer service on XX/XX/XXXX thru XX/XX/XXXX that the payments were all being correctly made through our relocation company and Chemical Bank. Through this communication, we were of the understanding that our loan was in good standing and current. In addition, the communication started constantly and regularly in XXXX between all three parties ( ourselves, the relocation company, and Chemical Bank ) due to our relocation company taking over the payments and Chemical Bank sending statements to the previous address. We had worked through all of this confusion and payments were being sent ontime and regularly to make sure everything was up to date and satisfied. Then without notification from Chemical Bank, they marked our credit " delinquent '' on XX/XX/XXXX. Chemical bank knew that the house was sold and closing on XX/XX/XXXX, they sent us their last communication to us on XX/XX/XXXX that they knew the relocation company was making the correct adjustments in payments, and then they didn't reach out to us until after XX/XX/XXXX to tell us that we had been reported as " delinquent '' on our credit.
Our credit dropped 80 points on my report and 100 points on my husbands which caused us to not be able to close 2 loans that we were pursuing for a house purchase.
This has been devastating to our credit and our future. We have spent days, and many many hours contacting Chemical Bank and they refuse to help. They also claim that they reached out to us on XX/XX/XXXX by phone with a message but we pulled our phone records and show no calls from them. Also they claim that they send a statement showing we were late but we did not get it but did get 2 letters after XX/XX/XXXX still sent to our previous address in NY. ( eventhough we had it corrected in XXXX at the very latest and even believe that we called and had it corrected months earlier but we can't prove that ) It is tragic that a bank can ruin a family 's credit when they were in constant contact with us. We were making all of our payments on time, even wiring them when the relocation company took over in order to make them on time. Also, we have never been " delinquent '' on any loan or credit balance with them or any others. In addition, they knew that the house had been sold and were talking with us about the closing statements. And the " icing on the cake '' is that on XX/XX/XXXX they sent us a check of {$6400.00} because they said that we " overpaid '' our loan???? what??? How can they make those types of errors AND ding our credit which will affect us for 7 years!!! How can this be fair? In a few of our phone conversations after XX/XX/XXXX there were multiple people telling us that they were too busy to look into this because they were in the middle of a bank conversion to from Chemical Bank to TCF National Bank. Also, we are in disbelief that they are able to do this all during this COVID timeframe. They even admitted on multiple conversations that they were not able to reach people within their own bank due to them working from home because of COVID. Why is it one sided that a bank can completely destroy our credit during this uncertain crazy time when WE were doing everything possible to make sure everything was being done correctly and on time?
I believe that this has happened to others also in reviewing their customer ratings and would like others to know about this bank and how this might happen to other customers if they choose to bank with Chemical Bank which is now TCF National Bank.
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| 05/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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What a nightmare situation. On the last week of XXXX I accepted a subscription for {$120000.00}. Paperwork prepared by our company attorney. I received a series of personal checks from the investor from different accounts equaling the {$120000.00}. On XXXX , XXXX I made the deposit at a branch TCF bank. Prior to the deposit I had a positive balance, money that cleared a year ago, in the thousands. On XXXX , XXXX my account had been put in the negative the {$120000.00} plus my available balance. I called and spoke to a rep who was very helpful in explaining this was not normal and that my original balance would be made available again the morning of XXXX , XXXX and the deposit of {$120000.00} should be available the morning of Friday the XXXX , XXXX . On XXXX , XXXX the deposit of {$120000.00} was not made available so I called to see what the status was. I was told by a rep that I would need to ask my investor to get verification of the checks from his banks in order to release the funds. Meanwhile TCF had already contacted the issuer themselves to verify he had issued the checks. My investor stated he did issue the checks and those funds had already been taken out of his account on XXXX , XXXX . On XXXX , XXXX I received a letter from TCF stating it had the deposit of {$120000.00}, they released {$5000.00} of it and the rest would be made available on XXXX , XXXX . On Saturday the XXXX of XXXX I noticed the deposit and my original balance had been released. Keep in mind I own an upstart and these funds were what we needed to green light our project. Ive been working on my company for over 750 days to get to this point. In the morning of Monday XXXX , XXXX I gave my vendors the go ahead to move forward. At around XXXX pm Monday XXXX , XXXX I check my balance to find out TCF put a hold on my entire balance again, the {$120000.00} deposit along with my already cleared funds. I called TCF only to get a run around and the only information anyone would give me was it was In Review On Wednesday XXXX XXXX I went to a branch location to see if I could get some help figuring out whats going on. I met with the Assistant Manager of that branch and she was trying to be very helpful. I explained the situation and she confirmed something wasnt right. She made a phone call and was told the account was In Review and that it would all clear by XXXX XXXX . She had no clue why the bank would hold funds already cleared so she recommended she talk to he r manager and see if they could release some of those funds. I stated I didnt need the funds as much as I needed to get the situation resolved. She went and spoke to her manager and her manager came to speak to me. The manager of that branch was cold, calculated and lacked the empathy one would expect given the situation. Kept giving me the standard theres nothing we can do and I understand your frustration She then contradicted the information given to the assistant manager and s aid they didnt know when the account would clear and that is was In Review On XXXX XXXX I visited the same location to drop of bank statements given to me by my investor showing all of the funds had been released to TCF on XXXX XXXX . I spoke to the same assistant manager and she faxed and called to check the status. She said all she can tell me was the account is In Review Since then I cant get any answers and my attorney has sent a letter via email and mail. We still cant get any answers and today is 22 days since the deposit. I get TCF has The Right but does having the Right make this right? How is it I get no answers, no correspondence and no path to resolution? Now, Ive green lighted my projects, vendors are getting antsy and my credibility is on the line all because TCF doesnt extend a professional courtesy. Also, I started this account over a year ago with a deposit of several personal checks equally {$64000.00} and that was cleared within two bu siness days. To date, XXXX XXXX , XXXX no one from TCF has attempted to contact me given this situation and our company attorney has attempted to make contact with TCF 's Lead counsel with no avail. XXXX XXXX has made no attempt to help resolve this issue or has offered any explanation.
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| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received yet another letter denying my reimbursement for my disputed charges from XXXX. Today is XX/XX/XXXX and the letter is dated XX/XX/XXXX.
Here is my last emailed attempt to resolve this matter before further legal action. I was again not contacted by anyone in the Dispute Services Department. And to further confirm my dispute is and was fraudulent, I will be contacting the municipality of XXXX to confirm if the Dispute Department even bothered contacting them. I will include the report on here as well.
-email To TFC Bank Dispute Department , The 3 charges Im disputing were taken place in XXXX XXXX XXXX I have included my hostel/resort/Airbnb and flight receipt to show I was never in XXXX XXXX ( XXXXXXXX XXXX XXXX, XXXX ). I my flight was direct to and from.
I used my TCF Bank Debit Card at the following locations ATM on XXXX XXXX on XX/XX/XXXX between XXXXXXXX XXXX XXXXXX/XX/XXXX between XXXX ATM in XXXX XXXX afternoon on XX/XX/XXXX XX/XX/XXXX store in Central XXXX on XX/XX/XXXX I have social media post, and many pictures with digital time stamp and Geo tag to prove I was not in XXXX XXXX.
The transactions below were not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} In my travels I try not to use my debit card because of international fees. These charges were more than I had in my account.
I will be filing a complaint with Federal Reserve, XXXX Consumer Financial Protection Bureau, and have sufficient evidence to take this matter to small claims court. I did not do the charges Im disputing and I did not give authorization for the charges Im disputing.
Regards, XXXX XXXX end of email- For whom it may concern, and anyone whom can help me and rectify this wrong!
Back in XXXX while traveling in XXXX, XXXX XXXX, XXXX, my TCF Bank debit card was compromised. I used my TCF Bank debit card at 4 locations. 2 ATMs, restaurant ( XXXX XXXX and XXXX XXXX. I try not to use my TCF Bank debit card because they have an international fee, and my credit card does not. I have never given permission or authorization for my TFC bank debit Card to be used by anyone else.
On XX/XX/XXXX, my TCF Bank Debit card was used without my knowledge or authorization for the following : {$1500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The three transactions occurred and posted on XX/XX/XXXX this was a Sunday.
When I noticed the charges on my TCF Bank checking account, I immediately called to disable my debit card and dispute the charges. TFC Bank like most are closed on Sunday, I contacted Visa to stop my TCF Bank Debit card from further use. I sent a message within the TCF Bank App about the charges and how they were not authorized. The following day Monday XX/XX/XXXX I called to create the first dispute and find out the next steps to resolve the unauthorized charges. TCF Bank needed a police report : I headed back down to XXXX from XXXX XXXX, I went to the police station only to be told I had to go to the municipality building. Once at the municipality building in XXXX they told me to come back in the morning to speak to the person in charge of getting reports in the system and copy of report. The report was made, and sent to TCF Bank. The first dispute was rejected, and I called TFC Bank to reopen the dispute. On XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) TCF Bank has informed me that and I quote We are unable to reimburse you for the transaction ( s ) in this dispute case for the following reason ( s ) : We have confirmed based on the microchip technology contained inside your card that it was used to make the disputed transaction ( s ) to have been authorized by you.
1 ) no I did not make or give authorization to these transactions 2 ) I was not in XXXX XXXX at all, my fight was direct to XXXX, XXXX XXXX. And social media can show my activities.
3 ) why would I use my TFC Bank Debit card when there wasnt enough money to cover these unauthorized transactions 4 ) not once did TCF Bank reach out to me, even after multiple monthly calls to them
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| 12/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXX, our booking company received an email from a famous manager of XXXX based rap artists and label XXXX for a large independent label. He was pitching a touring package for XXXX XXXX that included artists our company has previously worked directly with. Everything our company checked into appeared to check out through further investigation into the legitimacy of the event. Our company received a contract for an engagement on XXXX XXXX XXXX, which was red lined/revised by our company, executed and returned to this individual. On XXXX XXXX, our company processed a {$32000.00} wire ( 25 % deposit for the event ) to this label located in XXXX, GA by TCF Bank National in XXXX, MN to the XXXX XXXX XXXX Account provided with the agreement. Our company went live with ticketing the same day ( later in the afternoon ) and within 2 hours of tickets being live and the event being public, the concert venue was contacted by an Agency out of XXXX XXXX, which is the agency representing the top billed XXXX, inquiring into why there was an event with their clients listed as performing on. The agency stated to the venue that there was no date agreed to and no event. The XXXX and XXXX of our company, contacted the direct " real '' manager of the top XXXX who we had previously set up the other two bookings through to confirm this information. During that call, this manager informed the XXXX and XXXX that the information we were given was inaccurate. We then provided the email address and phone number to the manager from which we were contacted and she confirmed that it was not the real person 's email address or phone number. We contacted the individual claiming to be this famous manager, addressing the new information we were just given and that this was not a real event and that he was impersonating another individual. He still claimed to be this person but would not take part in any conference calls with the head XXXX 's MGMT. We then reached out to TCF Bank on XXXX to see if there was any chance we could put a stop on the wire and we were informed on a conference call the account had a stop withdrawal placed on it and that the wire ( since it was still pending ) would not be sent and to expect our money back on Tuesday XXXX XXXX. On XXXX XXXX, we called back to TCF to confirm everything we were previously told and we were informed TCF did not place a hold on the wire and did allow it to be sent. We went to a local XXXX XXXX XXXX branch with all of the information for the account we had and inquired into the name of the account holder and were informed the name on account was in fact NOT the person we were under the impression we were dealing with. The XXXX XXXX XXXX branch manager advised us to file a police report which was done and that number is : XXXX which was completed at the XXXX XXXX XXXX Police Department in Minnesota. After completing that report we called the local FBI office to report this same information, as well as filing an XXXX complaint form as we were instructed by the FBI to do.
Since all of this has taken place, we had reached out to XXXX XXXX XXXX on XXXX to inform them again this was a fraudulent account and was told XXXX XXXX XXXX could not do anything to assist us directly. TCF Bank did a wire recall on the wire on XXXX and received a message back on XXXX stating that XXXX XXXX XXXX had released the funds to the other individual. How is it possible that an account under 30 days old is able to receive and process out {$32000.00} in capital in under a business day without the bank placing any temp holds on it even without knowing it 's a fraud account?
We were able to pull the Articles of Organization of the company name listed on the wire instructions ( attached ) and it shows the name on the company is NOT the person we were dealing with. It also shows that the organization started on XXXX/XXXX/XXXX. Since the money was processed and taking out on XXXX, the bank allowed this to happen in under a 30 day window of the account being opened.
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| 07/08/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I first made a complaint against TCF Bank on X/XX/17. That complaint, which has not been resolved, is at the bottom of this. I complained that they opened up my account under the wrong name. I have tried to work this out with them via their phone number, the website and the local office. When I went in to the local office in XXXX, MI, they had me do a " name change '' form, when they are the ones who screwed up my name to begin with. I opened the account under my name of " XXXX XXXX XXXX '', they opened the account under " XXXX XXXX XXXX ''. This is not my name and I have never heard of this, TCF screwed it up. This was in late XXXX 2017, I made a complaint in XXXX 2017, they replied with it was a complete mystery to them how this happened and it was not their fault. They had the bank account and the debit card with the wrong name. They never fixed it. My account now in XXXX XXXX 2017 still has the WRONG NAME of " XXXX XXXX XXXX '', they claimed that they did n't do this, but they sure have not ever fixed it. I told them to close this account. I have asked them in person, on the phone and in writing to Close My Account since they can not manage the simple task of having a customer 's name correct. It is still open. And under the wrong name. I want this account closed. The employees at this company are completely irresponsible, unprofessional, morons. I want this account closed. Original Complaint : " I opened up a personal checking account with TCF Bank online on X/XX/17. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. On X/XX/17 TCF Bank said via email that my account was opened, I received nothing.
On X/XX/17 they told me via email that my debit card was in the mail. I received this debit card on X/X/17, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX XXXX XXXX, but instead is XXXX XXXX XXXX! Who is that? I have no idea. On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. I went into the TCF Bank located at : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on this same date, which again was X/X/17. I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on X/XX/17, she calls the local bank in XXXX, MI. The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently X/XX/17 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX XXXX XXXX. This is direct deposit from Social Security. This is a lump sum for XXXX XXXX XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX XXXX XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong. ''
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| 10/14/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I banked exclusively at TCF Bank since about XX/XX/XXXX. All of my bank accounts at TCF bank were contributed to living trust in XX/XX/XXXX. Having estate planning in place and money deposited at TCF bank, I envisioned my entire liquid asset would be secured and worry free. It was shocking to find out in XX/XX/XXXX that my direct XXXX payroll deposit account at TCF ( XXXX ) could not cover my {$18.00} hair cut check. The payroll deposit account should have received more than $ XXXX deposits from XX/XX/XXXX to XX/XX/XXXX. My other trust accounts at TCF, which received pension, investment and other incomes during the same period, were with a few dollars left in the account balance as well. It indicated that my entire living trust fund at TCF bank had vanished under TCF bank management. When inquired about account status, TCF branch manager would not reveal what had happened to my cash at various trust accounts except they were stolen by my spouse. He would n't tell me where the money was because I was not authorized to know without having my social security number in the accounts. TCF bank was aware of something but was not willing to reveal. He encouraged me to close all living trust accounts asap to stop bleeding which I did immediately. I obtained XX/XX/XXXX to XX/XX/XXXX bank statements of my asset accounts XXXX, XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX ( exhibitions XXXX, XXXX ). I also obtained XX/XX/XXXX to XX/XX/XXXX statements of one of my spouse 's private accounts ( XXXX ) via divorce lawyer ( exhibit XXXX 's ). I obtained XX/XX/XXXX to XX/XX/XXXX bank statements of accounts XXXX & XXXX through subpoena. After careful studies, it was apparent that TCF may have been negligence for allowing systematic money laundering schemes to occur in my living trust accounts until all cash were totally depleted. TCF not only did not stop the frequent transfers of the trust fund to her private and controlled accounts but also did not question the sudden changes of monthly payroll deposits to wire transfer deposit and visa versa. TCF was happy to collect the {$10.00} monthly wire deposit fees instead. TCF also made long term recurring transfer arrangement with my spouse with $ XXXX monthly recurring transfer fees to accounts XXXX and XXXX for years which apparently assisted the execution of money laundering schemes ( exhibit XXXX & XXXX ). Exhibit XXXX, XXXX & XXXX are the spread sheet records of bank statements for the respective accounts. Exhibits XXXX, XXXX and XXXX are the flow charts which summarized the money laundering schemes to deplete the living trust accounts. Exhibit XXXX summarized the bank statement records and the estimated income generating funds that were responsible for the deposits of dividend and interest incomes to account XXXX. My spouse did not have a real job and had minimal income in 40 years of marriage. The estimated income generating fund appeared to indicate the location of the depleted living trust fund. Exhibit XXXX, XXXX, and XXXX indicated that TCF also had some questionable practice to allow an individual to create an account linked to a joint account ( XXXX ) in XX/XX/XXXX 's without my knowledge and signature / agreement. Exhibit XXXX showed the original check of XXXX which is different from exhibit XXXX. This linked account was not known to me until recent court discovery. The financial impacted to me in the XX/XX/XXXX 's was unknown but it will impact my potential loss of the XXXX equity to her false claim in the divorce settlement. My spouse had used the unauthorized linked account to XXXX to forge a court evidence ( exhibit XXXX 's ) to cheat non marital claim to the house which she never contributed any to it. The negligence of TCF bank management in the XXXX year span has resulted in total loss of my entire trust fund at TCF accounts. For more than a year of divorce proceedings, neither TCF nor my spouse is willing to provide any relevant account information to the divorce court for fair settlement.
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| 12/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I had a balance of XXXX in my TCF checking account ending in XXXX as of XXXX/XXXX/2015. I made XXXX transactions on XXXX. The last of these was dinner at XXXX XXXX XXXX for XXXX at XXXX in the evening. When I got home, I checked my balance online and saw that all the XXXX transactions were pending, but I had miscalculated and the last XXXX would overdraw the account by {$18.00}. Wanting to avoid an overdraft fee, I called the bank to attempt to transfer funds into the account, this service was not available, I attempted to find a way to transfer funds into the account online from another bank account, this was not available, finally I drove to the TCF ATM machine that stands in the place they used to have our branch, and found that the TCF ATM does not take deposits. The nearest branch is XXXX miles from my home, by that point it is XXXX at night. The next morning on XXXX I drove to the bank branch XXXX miles away, and gave the teller {$20.00} to deposit into the account and asked the teller to close the account. She stated that she was unable to close the account due to a negative balance. She explained that there were overdraft fees on the account for transactions that were pending. We both agreed that it did n't make sense, but she said she was unable to reverse the charges without manager approval and that the manager was not there and would not be returning that day. Today ( XXXX ) I received a letter in the mail from TCF Bank stating that my account now overdrawn in the amount of {$250.00} as of XXXX/XXXX/15. I have not used the account since and after speaking to the customer service department, I have learned from them that there have been no transactions since those XXXX on XXXX/XXXX/15. They explained to me that each XXXX of those transactions has incurred an overdraft fee. They explained that at XXXX each day, the deposits made before XXXX are added to the account, then any transactions that are posted ( collected by the merchant ) before XXXX are subtracted from the balance and then any transactions that are pending which would be overdrafts are assessed the fee. When I asked them to explain to me specifically how each of my transactions incurred a fee, the customer service team lead named XXXX said " Ok, let me give you an example. If on Monday morning you had {$100.00} in your account and you make XXXX transactions of {$50.00} each and they are still pending on tuesday morning you make a transaction of {$100.00} your account will have a balance of - {$100.00}. '' When I asked XXXX how many overdraft fees would be assessed on the account, he answered, " XXXX. '' This is not how I interpret the policy of the bank. Perhaps I am not interpreting it correctly, however, even if it is the policy does allow TCF to charge me XXXX overdraft fees between business days ( after XXXX and before XXXX the next day ) on an {$18.00} overdraft, that spells fraud. Because of a previous complaint I made to the bank, they had explained to me that when a transaction is marked " pending '' it means that there was a request for authorization to withdraw funds. The explained to me that the transaction is n't marked " posted '' until the merchant makes request for payment, which sometimes takes days. Additionally, TCF customer service was unable to describe for me how exactly each transaction incurred an overdraft fee. Furthermore, my call was disconnected twice conveniently when it seemed they could not explain something important, like how they get away with charging me a fee when they have not even received a demand for payment from the merchant and why two weeks ago they held my transactions in a pending state for days without charging a fee and only charged a fee after they conveniently posted several transactions on the same day as another transaction came through that would cause all transactions to overdraw, but not those same type transactions incur a fee within hours of authorization.
|
| 07/17/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My name is XXXX XXXX and I would like to relay an unfortunate story of my experience with TCF National Bank. It is my contention that TCF is conducting fraudulent, misleading, and deceptive practices, in transactions regarding the processing and posting of checks, and subsequent overdraft fees charged by the bank.
I had only been a customer at TCF for about XXXX months when I decided to write my first check to a business for tree services, for {$170.00}. I was watching several times daily for the check to come thru on my online account register, as my TCF account was used on a daily basis.
On Tuesday, XXXX XXXX, at the end of the business day ( XXXX XXXX ), I checked my account balance, and saw a positive balance of {$180.00}, indicating that the check had NOT posted to my account, by the end of the business day, on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I saw that the check had posted to my balance ( both available balance and total balance ), and had brought my available balance into the negative. Seeing this, I deposited {$100.00} into the account prior to the end of the business day, and brought the balance back into the positive. In other words ; I had a positive available balance at the end of the business day on XX/XX/XXXX, and then again on XX/XX/XXXX. There was not any one day that my account was in the negative, at the end of the business day, while banking at TCF bank. Not ever.
However, TCF apparently was desperate for their {$37.00} overdraft fee, so they decided to get creative. Even though TCF did not process the {$170.00} check until XX/XX/XXXX, they changed their records to reflect that it posted to my account on XX/XX/XXXX, even though it had not. When I went into the bank the day the check posted on the XX/XX/XXXX to deposit money so the check would not overdraft, the teller told me that the check had posted that day ( not the previous day ). But by XX/XX/XXXX my online account register showed that the check posted on XX/XX/XXXX, which it had not!! This is Fraud!!! My available account balance was {$180.00} at the end of the business day on XX/XX/XXXX according to TCF 's online register and the check had not posted, but the bank fraudulently changed the date on their records, to show that the check posted to my account the day prior!!
The transaction information report that I printed off the TCF web site, showed the " Date/Time Initiated '' as XXXX XXXX on XX/XX/XXXX ( curiously 1 minute before the next day ), yet it also showed the " Date/Time Posted '' as XXXX XXXX on XX/XX/XXXX, earlier in the day!! This was blatantly false, and what I consider fraud! How could the check be initiated a minute before midnight, yet posted earlier in the day? The check did not post to my account until XX/XX/XXXX, yet they cookedtheir records to show that it posted the previous day, so that they could swindle {$37.00} from me.
On Thursday XX/XX/XXXX, I went to my local TCF branch ( XXXX location ), and spoke to a rude and indifferent branch manager named XXXX. XXXX told me that even though my available balance showed a balance of {$180.00} at the end of the business day on XX/XX/XXXX, and that the check was processed on XX/XX/XXXX, it was ok for them to back date the check to the prior day, because the check was processed through the federal reserve bank, and that may not have shown up on my available balance until the next day ; thus they get to charge their overdraft fee. When I explained that I had never had an overdraft of any kind while a customer at their bank, XXXX early rolled his eyes. XXXX was rude, indifferent and extremely condescending towards me during our conversation. Needless to say, XXXX refused to waive the one and only overdraft fee that I had received while banking at TCF. This practice of backdating checks to the prior day, even though it had not posted until the following day, is straight-up fraud. At the very least, I am owed my {$37.00} back.
|
| 05/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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My job relocated me ov er 3 ho urs away from where my house with t he TCF ba nk mortgage was and I continued to make my payments however I was paying for XXXX mortgages plus went through a divorce and times were hard. I went to the bank to see if they could help me out. They said I qualified for doing a short sale however they set the price so high that my realtor said it would never sell based on the market and what houses were going for. I relayed this to TCF but they would n't lower the price. Paperwork was signed in XX/XX/XXXX . I asked if there was a time span in which it had to sell by or if they would lower the price, I couldnt seem to get a straight answer out of anyon e from TCF. At one point a round XX/XX/XXXX I was contacted by them saying I had to make a decision and either continue as is as the short sale was no longer an option and may not be again in the future depending on my circumstances or else they would start foreclosure action. I had no offers on it. I was also current with my payments and told them they couldnt start foreclosure as I was making my monthly payments on time. I had simply gone to my bank to see what they could help me out with without going through a foreclosure process if I were to stop paying. I was not treated as a very valuable customer. The only option I was left with then was doing a deed in lieu of foreclosure as I thought it was a win win situation for both the bank and me without either side having to incur high expenses of retaining an attorney and I wouldnt have to affect my great credit and they would have the house free and clear. Well that didnt happen. They would only do it by holding me responsible for another {$10000.00} saying I had to come up with which I am paying them back each month. They wanted {$15000.00} so I had to hire an attorney to tell them I had no money to pay them and they reduced it to {$10000.00}. I was in this predicament due to all of the mortgages I had and them not reducing the amount of the house when it was put up for sale as a short sale for the amount the realtor suggested. I was also told that they had to report the deed in lieu of foreclosure to the credit bureaus however it would show my loans as being satisfied with them. Well come to find out they reported it to the credit bureaus inaccurately as an involuntary repossession and I didnt know this for well over a year when I tried to refinance the house I was living in which is with a different lender. The new lender I was working with showed I still owed {$45000.00} to TCF. I then re-contacted TCF in XX/XX/XXXX and t hen was told that they had reported it inaccurately and they would correct it. They apparently submitted something to the credit bureaus. So now this affected my credit for well over a year and to what extent I will never know but enough that I couldnt take advantage of the lower rates to lock into a new loan with the house I am currently living in. My application was denied due to the delinquent past credit obligations that were showing up on the credit bureau reports which ended up being the amounts that TCF took as a loss when they sold the property. This shouldnt have appeared on my credit report ever. I then had to wait for 8-10 months to pass before attempting to try for another loan again. They wouldnt reduce the short sale price when I asked them to and come to find out they sold that property for {$85000.00}. If they had allowe d me to lower the price in doing the short sale it would have sold and they wouldnt have held me responsible for any additional money. I believe they did the higher price knowing it wouldnt sell so they could stick me with a new loan having to pay them back on a property I no longer own. I think they prey on people that are between a rock and a hard place and they dont care if you are a long term customer ( which I was for many y ears ) and tha t they affect your credit.
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| 07/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Older American |
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From XX/XX/XXXX - XX/XX/XXXX, I had a personal checking account with TCF National Bank. During this time, I suffered the loss of {$19000.00} in overdraft fees due to the following profiteering Bank practices : Reordering of Transactions : Instead of posting items based on date received, TCF Bank manipulated the sequence of customers ' transactions to generate more overdraft income. The Bank was very sophisticated in squeezing as much as possible from customers like me, frequently pushing what had once been a single overdraft fee of {$35.00} to XXXX or XXXX overdraft fees ( {$100.00} or {$170.00} ) or even more. This practice has been widely condemned and many Banks have been fined for it ; TCF Bank is acknowledged as XXXX of the worst offenders.
NSF Placement : The Bank essentially charged " fees for fees '', deducting any overdraft fee BEFORE other charges, enabling them to charge multiple fees. When the Bank changed overdraft fee calculation, my fees doubled/tripled. Most heinous of all, this process was virtually impossible to stop, because you could not tell when and how the Bank was going to manipulate the process and charge more fees. As a Judge in another Bank case said, " Under this system, a bone-crushing multiplication of additional overdraft penalties is categorically assured. " Applying Deposits Last : Over time, TCF Bank became more and more adept at making sure that deposits were processed after debits. In one very obvious instance, I deposited cash into my account, which should have been immediately applied to my balance. I then went to a store and made a purchase, which went through. But later the Bank charged me an overdraft fee, claiming that I had made the purchase before the deposit. In this case I had the time stamps from both transactions, but the Bank unbelievably refused to consider a refund. This was just XXXX example of how TCF Bank " gamed the system '' to steal my money.
Misinformation : I regularly used the online account information to check on the status of my account. But I soon realized it was designed to mislead and misinform the customer. For instance, it always indicated that your balance " included all pending transactions ''. But when I was charged an overdraft fee for an item, I was told it " was pending but not included in the calculation of the balance ''. Supervisors were never immediately available and almost never called back. The more I questioned, the more the Bank refused to give answers or consider refunds. In XXXX letter to me, the Bank actually stated that if I did not like their policies I should just leave. I realized that the pattern of deception was deliberate, and anyone who asked too many questions was definitely NOT welcome.
Transfers : For a number of years with TCF, I was either able to complete a transfer or it was declined ; I was never charged an overdraft fee. Then I noticed that the Bank would approve transfers ( and my balance would show adequate funds online ) and then after the fact I would be charged an overdraft fee. Upon my inquiry, I would always be told that I had taken the transfer out AFTER a charge had been processed in my account ; but online my account had shown adequate funds ( including pending transactions ) and regardless the Bank had approved the transfer. I could not have been aware of a negative situation but the Bank surely would have been and could have declined my transfer. Instead, they approved it and charged me an overdraft fee.
The predatory practices of this Bank deprived me for years of a huge part of my income ( I believe at least 75 % of the charges were deceptive ) and cost me enormous stress and lost time trying to find remedies. I live with the understanding that I should have changed banks years earlier ; but still, everyone has a right to be protected from this outright theft. I am therefore seeking the assistance of CFPB in recovering these fees.
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| 04/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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In late XX/XX/XXXX or Early XX/XX/XXXX, TCF was contacted in regards to needing to temporarily needing to freeze my account due to undergoing a home mortgage in which I needed to consolidate funds into a single account for closing.
I requested no transactions be allowed to post so that I could ensure no overdraft fees were incurred. What occurred without my knowledge is that although the account was update to not allow overdrafts, I would still be charged 'non-sufficient funds ' for items which attempted to go through, even though the funds were not being paid by the bank.
I closed on my new home on XX/XX/XXXX, and did mail servicing through USPS. I did not receive notice of my account being charged these fees and falling into the negative until the evening of XX/XX/XXXX ( being told of the amount being - {$180.00} ). Due to this, the next day, Tuesday, XX/XX/XXXX, I visited my local TCF branch in XXXX, MN. At this time the lady who helped me was kind and understanding, and when I explained the situation, she encouraged me to contact the customer service line versus paying the fees as she agreed that they were excessive, I was not overdrawn, and most should be refunded.
I was provided the customer service number that evening in which I immediate called and was unable to connect through their customer service line due to excessive wait periods ( at one point it told me my estimated wait time was 60 minutes ).
Due to work obligations, I could not remain on hold for such extensive periods of time and called every morning, lunch period, and evening trying to get through to the customer service line, each time waiting at least 15-30 minutes.
On Monday, XX/XX/XXXX, after remaining on hold for 30 minutes, again, I finally connected through to a customer service representative who promptly told me that unfortunately I could not settle my fees as they sent it to collections on Friday the XX/XX/XXXX and was told further information was not available on the terms of the transfer, I was only given a contact number and was told that they'd contact me as well and I could await their inquiry.
Today, I received communication from the collection company advising me that onXX/XX/XXXX ( not the XX/XX/XXXX ), they received notice of my debt and I could settle with them in the owed amount of {$210.00}.
I am filing this complaint, not against the collection company, but to the bank. I have been an upstanding account holder since at least XX/XX/XXXX-XX/XX/XXXXand was not given ample notice of the situation, was misled on what an account freeze consisted of, never agreed to the non-sufficient funds charges, which were also raised to {$37.00} for each occurrence, without my notice.
Additionally, when I did try to reconcile, I was pursued not to by a bank employee, who never notated my file to advise that I was making an effort in good-faith to resolve the situation. When I tried resolving the situation, the banks lack of adequate employee staffing on their customer service phone line and the practice of not allowing dispute in-person, led to additional days and efforts in trying to resolve the matter. I was misinformed on the transfer date of the debt to a collections agency, and was not given notice of it being sent in advance either.
Finally, due to what appears to be a very limited time for an outstanding debt to be sent to collections, I feel that not only was I quickly taken advantage of by what I believe to be a unfair banking practice, but I am quite sure countless other individuals may be getting taken advantage of as well.
Not allowing ample time to resolve and quickly pushing any bank-imposed debts to collection agency appears to be a banking scheme to drive-up profits and to not have to deal with the repercussions or dissatisfied customers and leaves individuals out in the cold, even when they want to amicably resolve the situation.
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| 04/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On XXXX XXXX I was contacted by a woman via text message who found me on XXXX, a babysitting site, saying that she wants me as a nanny for her son, XXXX. She said that she would like me to work Saturdays and Sundays only and was willing to pay me $ XXXX/hour for up to 7 hours each of these days because she wanted quality care for her son. In total, I would be making {$420.00} per weekend. XXXX said that she is an XXXX and is currently living in Texas as a single mother with her son XXXX and would be relocating to XXXX XXXX, Minnesota for 8 months for a project that she was assigned to for work. XXXX said XXXX specialist advised her to get him a powered wheelchair and she asked me to help her with this process. She said that she would be sending me a cashier 's check for {$2800.00}. {$2400.00} of that check would be going to the wheelchair business and {$420.00} I was to keep for myself and would be used as my first week pay in advance. On XXXX XXXX, 2016 I received the cashier 's check for {$2800.00} in the mail via XXXX. XXXX asked me to go the bank and deposit the check. After depositing the cashier 's check into my TCF bank account, XXXX asked me to withdraw the {$2400.00} and take that cash and deposit it into the wheelchair person 's bank account, which is an account at XXXX XXXX. After making this deposit and with the new {$420.00}, I now had {$1700.00}. The man at the XXXX counter that cashed my check said that the check right away went through and he cashed it for me. I also went online later that day to check my balance and it said the same thing, that I had {$1700.00}. For the next couple days, I use my debit card for a total of 5 times and on the sixth time that I try to use it, my card got declined. Not understanding why my card got declined, I go online to check my balance and it said I have $ -XXXX The reason why my balance was negative was because I finally found out that the check that the woman sent me was fake. Instead of contacting me immediately saying that this check was fake and that I have a negative balance, TCF decides to mail me a letter which I do not receive until a week later. They also decide to charge me {$37.00} for each time that I used my card when I had a negative balance. In total, they are charging me {$180.00} in overdraft fees. I filed a report at my local police station about the check fraud and they told me to contact my bank ( TCF Bank ) and the bank of the scam artist ( XXXX XXXX ). When I talked to XXXX XXXX, they told me to file a fraud report with my bank and to have them immediately contact XXXX XXXX so that they can put a block on the scammer 's bank account. I then go to my bank, filed a check fraud report, and asked them to contact XXXX XXXX so that they can investigate the scammer 's bank account. A week and a half later I receive XXXX letters in the mail from TCF. The first letter says that they are unable to consider this a check fraud, the second letter says that they are sending my $ -XXXX to a collection agency. When I called the TCF Bank Fraud department to discuss their decision, the lady was very rude to me and told me that she is not going to contact XXXX XXXX. Here are my formal complaints : 1 ) I found out later that TCF Bank was not supposed to cash my check in the first place because I did not have matching funds. The check I was cashing was worth {$2800.00} and I had far less in my bank account originally. Had the banker followed the rules and not cashed it from the start, it would have saved me a lot of trouble. 2 ) TCF Bank NEVER contacted XXXX XXXX or made a report to them in an attempt to catch the scammer or help me get my money back. 3 ) They charged me {$180.00} in fees when I was using my card without being aware that I had a negative balance. 4 ) Instead of helping me at all, they hurt me further by sending the $ -XXXX to a collection agency.
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| 05/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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TCF Bank had been my bank for both Business and Personal accounts with all my accounts in good standing. In XXXX 2012 TCF Bank just decided to close all my accounts Personal accounts with no explanations. I went to several branch locations asking for an explanation but all I was told was that the bank does not want do any business with me and I was given like a week to withdraw all the funds that were in my account and leave the bank. Different branch branch managers could not explain to me what was going on except that the bank has a right to choose whom it wants to work with and that its exercising its rights by doing so. I continued asking for an explanation because the actions taken by TCF did hurt me a lot, as checks were returned unpaid, operating a small business without an account created problems for me, also opening accounts, borrowing money etc. was a problem after that incident. The more I continued seeking for answers the less TCF Bank managers did not want to talk to me anymore. TCF Bank made me feel different unwanted, a criminal or someone not worthy to do business with even though I had a good track record with the bank. Then one of the managers told me that TCF Bank does that to some people from XXXX because they had a lot of problems with them and that I could be a victim of mistaken identity. I never stopped asking TCF Bank hoping that they will clear my name or at least tell me what is going on with my accounts but all they keep on telling me is that I will get a written response that never came. Then I was given a general statement by one manager that states that I could be a on the government sanction list or something bad. I have no criminal background or any records to support that. I have spent all my years in school working hard to improve my life. I come from a XXXX background and I am a law abiding citizen. It is scary to think that TCF Bank branded me a criminal or something bad that I am not. If they had questions it would have been better to ask me. It 's been years since this incident happened and today TCF Bank continue to label me what I am not and has never been. This level of discrimination should never be allowed, I could be of XXXX descent but I am a law abiding American citizen and deserve the right to be treated the same way as other Americans. Since TCF Bank branded me this way, its been painful and also to think that i could be on the government watch list is disturbing and frightening as I have committed no crime except what TCF Bank think. I do need an explanation from TCF Bank why they are discriminating against me, this is not right. I do have some names of some of the people who know about this case and my effort to get answers from TCF Bank. If TCF Bank is still investigating at least by now they should have something to support their decisions, it should be more than 10 years now considering when they decided to close my accounts to compile a report that I was promised. I am asking for your assistance to help me resolve this case and also get answers from TCF Bank why they are discriminating me from all the other Africans they continue to do business with. Why do I have to be treated in such a painful way for so long its torture, to be told by a Banker that the government may have ordered your accounts closed and are watching you because I could be a victim of mistaken identity on " the government sanction list ''. I do have names of some people who know this case Branch Manager at XXXX XXXX, XXXX XXXX TCF Branch Managers/Supervisors at XXXX XXXX and Uptown. I find this treatment wrong and TCF Bank should not be allowed to discriminate based on color, national origin, or any forms of discriminating even if they had a bad experience from such groups. I also ask the department to investigate other accounts that were closed by TCF Bank as I 'm not the only victim.
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| 09/04/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I deposited a check for {$28000.00} into my business checking account at XXXX. The check was made out to my business and a former tenant named XXXX. I signed the check. XXXX did not. The teller XXXX told me he was n't sure if the check might be subjected to " a hold. '' I said that did n't surprise me because of the amount, and I said I was fine with a delay of a week or two. XXXX is helpful teller who tries to please, and he did not indicate that there would be any other problems in getting my money other than a longer than usual wait.
I am in the bank regularly depositing rent checks for my property management business. After a couple weeks I asked XXXX if she had any news on my {$28000.00} that was still listed as " unavailable '' in my account. She said that the bank was waiting to see if XXXX XXXX would pay the check because it only had my signature on it. I called my adjustor, and he said XXXX XXXX would pay it.
I got a letter in the mail asking for me to get XXXX 's signature on an affidavit. I discussed the letter with XXXX the next time I was in the bank and told her I could not get XXXX 's signature. He had abandoned the property and sent a signed cancellation of the XXXX for Deed. She told me she would check into the issue.
XXXX called me and told me that if I could not get XXXX 's signature, then I would get the check back. I said that was fine. She said " a copy of the check will be sent to you. '' I asked if that " copy '' would be a legal check that could be deposited elsewhere. She said yes. I talked to another bank that said they would take the check and deposit the money in my account without XXXX 's signature.
The check was never sent back.
I called my adjustor, and he said he would put a stop payment on the check and issue a new XXXX.
My adjustor called me and said he tried to put a stop payment on the check but could n't because XXXX XXXX had already paid XXXX. I thought this was good news. I called XXXX and told her that TCF had the money from XXXX XXXX, so they could release the hold and make the money available in my account. She said she would check into that.
I got a call back from XXXX saying that they would not release the money to my account, but would send it back to XXXX XXXX. She said they would only do this if XXXX XXXX sent a letter requesting this.
I called my adjustor. He said he would not send a letter requesting TCF to refund the payment. He said I should work with my bank to get the payment that XXXX XXXX sent. He said XXXX XXXX did as promised -- examined the vandalism at my property, offered a claim payout, sent a claim check, and paid the claim funds. XXXX XXXX was done processing this claim.
I called XXXX and told her that XXXX XXXX would not send a letter. She told me the only XXXX options were to get a letter from XXXX XXXX or a signature from XXXX. I told her neither of those options were viable. I told her I had the letter XXXX signed releasing his interest in the property. XXXX referred me to XXXX XXXX and asked me to send her that letter.
I sent the letter to XXXX. I got a call from XXXX saying I was not supposed to contact XXXX. I told her I would wait for a response from XXXX.
The last time I was in the bank I asked to talk to XXXX 's boss.
I talked to XXXX, the branch manager. He told me that the signature from XXXX or the letter from XXXX XXXX were the only XXXX options. I told him those options were n't viable. He referred me to the regional XXXX XXXX.
I called XXXX, and he said I only had XXXX options and he could not help me.
XXXX emailed me back and told me the same thing.
TCF has had my money for more than 6 weeks, though they told me they were waiting for XXXX XXXX to pay them.
All TCF 's employees say they can hold my money indefinitely if I do not satisfy XXXX of their XXXX options. To me, that seems like theft or fraud or both.
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| 12/31/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Banking errors
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Web |
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Tcf bank has been giving same problem. I opted out of overdraft but they will charge a fee then claim to waive it only for me to find it on my statement.
The account was set up for my XXXX XXXX son benefits.
I have been suspicious as when i opened the account the rep took a duplicate colored picture of my social security card and drivers ' license.
I noticed and caught on to something finally when there was a lump amount of back pya released from us treasury onto my sons ' account.
So i finally see that the regular payment that was deposited later seemed to be missing and the amounts did not add up.
The printout from branch to branch should match up right? Wrong.
My mailed statement does not have the same transaction as what the teller gave me after typing in some sort of word excel document then printing out a statement for me.
I called customer service and when i questioned fraud was hung up on. the rep said they only saw 1 transaction of 150 dollar transfer yet my statement is showing two and one for 100 that i do n't recognize and the ones i do n't recognize seem to total to the amount of the regular issued check that i wasnt aware of. The rep acknowledged that if my statements are different from what they see there would be an investigation. I have not had any correspondence yet and they are refusing to dispute the transaction that i show them is not adding up to the regular mailed bank statement and nor are the online transactions adding up. The online looks like a powerpoint or excel document where it can be easily edited amount and merchant?!
The transfers normally would show the customer what account money is being transferred to so when i call i question but on their end they claiming its going to my checking on my statements it lists the account if and when i make a transfer to what account its going to. The transactions in question are not listing the accounts being transferred to yet they say they see it on their end but my bank statements show the transaction with the account that im familiar with. The ones that do n't have the account number are the transactions i do n't recognize.
My son has XXXX and i opened this account thinking i could trust tcf but something obviously fishy is going on here. They also today claimed there was a call in transfer from savings to checking when i said it wasnt me they changed the story and said it was an online reoccuring transfer that i did not do because i was always locked out of online until today i have not had access to my online account. The representatives kept making different excuses everytime i presented evidence that the transactions do n't match. i have statements from 2 different branches assuming they have the same information yet they do not match up. How long has this been happening?! They get upset as well and threaten to close the account when i said i suspect some kind of fraud! I do n't know how they are able to generate false statements but i feel they have been deceiving me and taking advantage of my situation assuming i wouldnt pay attention but i do n't understand. Please help as it is clear that somehow money is being stolen from my XXXX XXXX childs ' account and or possible mixup.
Also the account keeps being changed so they charged maintenance fees yet when i signed up it said no maintenance fees. He the representative waived them for this month that they charged but i do n't know how long they have been charging these random fees. The account was supposed to be free checking and free savings power savings with no fees.
i can be reached XXXXXXXXXXXX attached you will see they told me today there was a transfer of 300. dollars but they statement is showing that transaction happened yesterday which was not me. They changed the story everytime i let them know i was looking at my transactions.
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| 03/17/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Hi, My name is XXXX XXXX. I have a Checking Account with the TCF Bank in Wisconsin. I have Overdraft Protection. My XXXX complaints are 1. The TCF bank has a " SELECTIVE OVERDRAFT PROTECTION '' and after that the computer pays the bill, then takes the money back, credits it back into your account and the then charges you a " RETURNED ITEM NSF FEE ''. The computer knows what your limit is. I have been reimbursed a certain amount of those fees, but I should be reimbursed all of the fees and all OVERDRAFT FEES as a penalty.
2. Up until last week, before I called them and filed a complaint and told them that I was going to file a complaint with the CFPB, the limit they let me " OVERDRAFT '' was approximately {$1100.00}. After I filed the complaint, I noticed that they lowered my " OVERDRAFT LIMIT '' to about {$500.00}. THIS IS VERY OBVIOUS " RETALIATION ''. This will lower my CREDIT SCORE AGAIN.
Their overdraft protection is to pay bills that come into your account even though the money is not in the account on a " IF THEY FEEL LIKE IT BASIS ''. They KNOW that I get paid from XXXX different accounts monthly : {$3600.00} - Workmans ' Comp, {$900.00} - Social Security XXXX, {$380.00} - XXXX XXXX.
This is something that the XXXX XXXX, which I would think, is programmed by a XXXX XXXX, does NOT REMEMBER. The computer " TCF BANK '' knows how to lower your CREDIT SCORE.
Below is the OVERDRAFT PROTECTION POLICY of the TCF BANK. Look SPECIFICALLY AT THE LAST PARAGRAPH - THE " MAY '' that I CAPITALIZED. In other words, they 'll pay the overdraft if they feel like it. I was using the Overdraft Protection, but they let me Overdraft to a certain point, and up to last week, it was about {$1100.00}.
What the Bank does, or should I say what the computer does, after you reach that limit, is pay the bill, then unpays the bill, then charges me a fee for the TRANSACTION OF NOT PAYING THE BILL. This past week, IN RETALIATION BECAUSE I TOLD THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB, they lowered the " OVERDRAFT PAY LIIMIT '' to approximately {$500.00}. In their commercials they 're the bank that will always help you, but what it 's done, when they do n't pay the OVERDRAFTS AND CHARGE ME FOR NOT PAYING MY BILL, IS IT BRINGS DOWN MY CREDIT SCORE, WHICH HAS SUNK UNDER XXXX. They offer an OVERDRAFT LINE OF CREDIT PROTECTION, BUT YOU 'RE CREDIT SCORE HAS TO BE XXXX OR XXXX.
Option D : Overdraft Fee : {$37.00} for each item we pay that exceeds your available account balance. We also offer the option for an overdraft fee charged daily rather than per item. See Explanatory Note below.
Maximum Number of Overdraft Fees per Day : XXXX - You will only be charged this number of overdraft fees per day, even if we elect to cover additional overdrafts. Returned Item NSF fees also count towards this limit.
Minimum Amount Required to Trigger an Overdraft Fee - {$5.00} If you are overdrawn by this amount or less, you will not incur an overdraft fee. - {$1.00} If we pay an item that overdraws your account and the item is less than this amount, you willnot incur an overdraft fee. Extended Overdraft Fee {$0.00} Explanatory Note : We will decline one-time debit card and ATM transactions at no cost to you if they exceed your available account balance at the time you use your card unless you ask for ( opt-in to ) overdraft service for these transactions.
" If you opt-in, we MAY, in our discretion, approve these transactions. We MAY pay overdrafts due to other transactions unless you opt-out of overdraft service for these transactions. If you opt-out, we will decline any transaction that exceeds your available balance. '' They are playing with the " FINANCIAL WELL BEING '' of their CUSTOMERS. I 'm sure they earm ILLEGAL MILLIONS on the back of their customers.
VERY RESPECTFULLY, XXXX XXXX
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| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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In XX/XX/XXXX, Gateway One Lending & Finance ( XXXX ) XXXX called me to discuss my loan. I thought it was a scam because I do n't have any loans so I blocked the phone number. This is n't the end to the story ... XX/XX/XXXX I received notice this blocked call tried again, so I looked it up and called the main number to Gateway One Lending & Finance. I was able to confirm my name, my address and my phone number. I got the dealer name of XXXX XXXX. The birthdate did n't match and I refused to provide my social security number. I told them his was n't my account and wanted to speak to the Fraud Dept. I had to wait until the next day. That evening, I received a letter with my personal information, and some loan information to account ending in XXXX for a XXXX XXXX. I was able to hunt down someone with the name XXXX XXXX to an addresses in XXXX, CA ; which is coincidentally, in close proximity to XXXX XXXX. XXXX mapping the address showed that very truck in the driveway. XX/XX/XXXX XXXX XXXX. I called Gateway again and this time, I was able to use the full account number to gain access to the account ; the last time a payment was made, how much was owed on the truck, and the payment due date because I received the letter. I spoke to customer service and I provided an address from the internet, that I found tied to our name. I was forwarded to the fraud department. Had I not done any of this, the company refused to speak to me at all and were harassing me. XXXX, in Fraud said he did n't know the source of the incorrect personal information, but it was changed sometime in XX/XX/XXXX. He was escalating this to his supervisor to find the source. I was just getting ready to file a police report in XXXX, CA against XXXX XXXX in XXXX, CA for identity theft and fraud, when ... XX/XX/XXXX XXXX. XXXX from Gateway One Loss Mitigation called me and told me that the source of the issue was through fault of their own. In an attempt to collect on the debt and failed communications, an employee did what is called skip-tracing. What 's suppose to happen is that skip-tracing is used to search through various means to match information up to identify location and point of contact of a consumer delinquent on their account. Some employee did n't bother to cross-reference information or confirm they had the right XXXX, so they went and changed the account information to reflect my personal information, in Arizona. I ran a credit check and do n't believe my credit or personal information was compromised beyond this event but I spent hours in researching, calling people and fighting to mitigated this issue to have my name cleared. Here 's my concern, and I told XXXX this and it was probably recorded. Based on what little information I could get from the lender about the dealer, the other XXXX XXXX 's address, and our name ; I was able to identify the person by looks and where she is currently working. I 'm better at skip-tracing than the lender is. The lender 's poor application of policy and procedure caused quite a mess. I panicked about my identity being stolen and was planning to go to extreme measures to deal with the issue. The other thing that concerns me about this is the safety and security of the consumer. What if the ID theft victim just happened to be crazy or was having a really bad day and this set them off? A crazy person could have went to that state, stalked and caused harm. Fortunately, I 'm not that crazy but there are people in the world who are. This whole situation was just unacceptable. I asked them for a letter in writing, absolving me of an responsibility, but XXXX said she 'd have to get with the legal department. Update XX/XX/XXXX I never received a letter or an apology for what they did. I 'm betting they never notified the consumer of their mistake, but I did.
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| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I was told I would be charged one amount by a company and the merchant charged me XXXX of dollars more. The bank failed to record my choice to not pay checks that overdraft my account and allowed the transaction to overdraft my account by XXXX.
At this time the bank is claiming my account records are archived and require a time consuming search to access the records from opening the account in XX/XX/2016. I entered a dispute for the transaction and the bank failed to request any supporting documents before closing and denying the claim without proper investigation. The bank employees advised me while filing the dispute over the phone that I would need to wait until the merchant responded to see what documents they submitted or if they adjusted the charge to determine what supporting documentation I should submit.
After collecting my dispute details and misinforming me on what the process would consist of, I was told three business days after filing the dispute that the claim was closed and the bank " did not need any supporting documentation from me '' to complete my dispute. I am a former employee of this bank and worked in the same department and building as the employees who filed the claim, misinformed me on the process to present my dispute, and denied my claim.
This is the corporate headquarters office in XXXX MN and most senior staff have all been employed and working together for 3 or more years thus my relationship with that company is why I believe I am being discriminated against/treated unfairly as the department supervisors and employees are all very " close '' and are aware that I left the company on negative terms with the bank / & same department supervisors who failed to address this dispute fairly according to the terms and conditions on my account and the federal regulations regarding transactions where the consumer used a debit card and was charged incorrectly. I was not given an opportunity to submit documents supporting my dispute during the 3 business day investigation yet when I called customer service to complain I was told I could fax whatever I have to prove the dispute over. In less than 45 minutes after faxing the documents I had immediately available, the reps in the call center where I worked and am alleging that the employees ( supervisors/department leads who are also former co-workers ) intentionally misinformed me and, with foul intent, denied my claim and appeal in 3 business days without ever requesting a statement or documentation from me.
Again, I believe this is a personal attack of retaliation against me for ending my work and personal relationships with the staff at the Bank 's location where this incident took place. I was told that I would need to request & submit documentation from the merchant after the merchant responded to my dispute yet I was never given a date for when the documents would be needed and the bank accepted a receipt from the merchant showing an incorrect credit made to my account as sufficient grounds to deny my claim without ever receiving or requesting the documents/proof I have that the transaction is incorrect. I also disputed the credit the merchant made on a second dispute after the first was denied and the appeal denied and at this time, with no request for documentation made, the bank employees who all work in the department in which i believe I am being personally discriminated against has already begun informing me that they intend to deny that claim as well ; with no investigation, essentially.
At this time, the bank has not provided me with any written documentation on the Reg E complaint being filed or the outcome. I have only been given verbal updates from the call center in which I used to work and know that the staff may be intentionally acting discriminatory.
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| 01/08/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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Starting in about XXXX 2015 I started wondering why my account had not gone down in 10 years. It had only gone down {$800.00} in 9 years. I had made extra payment amounts from the beginning. I made {$450.00} payments for almost 2 years. None of the extra {$40.00} made it to my Principal. ( Attached doc ) They were used just for interest. For many years I was under the impression that this loan was like any other loan - it 's a set amount and it does n't matter when you pay it as long as you are not late. I was making XXXX payments at XXXX time sometimes - little did I know that this loan does n't work that way. You have to make a payment every 30 days on the dot - or you will be charged interest since you were over 30 days. So making payments early and then making double payments actually cost me money because the next payment was not due for 45 days. So I would be charged XXXX more days of interest. I have since figured this out. I also noticed that when I would pay extra that the extra amount would be taken off of my next payment amount. ( EX. XXXX would go down to XXXX ) Eventually my monthly payment would be {$0.00} - and they would say I do n't need to make a payment. So I did n't. What they were doing was taking my extra payment amounts and showing I was prepaying interest. ( They should have gone to reduce principal ) Then if I did n't make the payment they would then charge me another 30 days interest.
Most of my concern is that I am trying to pay this loan off in 3 years. I want to make big payments to get my principal down. So since XXXX 2015 - I have been working on this and " testing '' the system to make sure payments are being applied correctly. I would make {$500.00} payments and those payments would all go to interest or just be applied wrong. I have attached information so you can see how they posted the payments. You will see that I had to call back and have them re-do the payment allocations - every month - they were applying my extra payments to prepaid interest. I have a script that I have to say to them each time. ( See below ) I talk to someone different every time. They do not apply the payments correctly. And this week they lost XXXX of my extra payments. I made the payment over the phone on XXXX/XXXX/2015 and the lady said it was good to go. I had to use my script near the bottom of this document to make sure she does it right. Many people have said to me " you need to do this exactly. '' And I have done everything they have said. I got an account with them to make sure the payments were coming out on time. I also say exactly what they want me to say. I then have to go into the account the next day to see if they applied the payments correctly. Why am I working so hard to make sure they do this right? Should n't they have this? I was told multiple times from the people on the phone that they have to '' make these changes all day long. These loans are bad and the system can not handle the loans. '' They also told me to do the payments using the new Online Payment application. That system also takes my payments and then prepays the interest. This is not working either. So I went back to calling the loan servicing number. And that is when they screwed up my payment for {$280.00}. It has now been 8 days and that amount is not showing on my loan. They did take the money out of my account - but I have not seen it. They said it went into another account. Not sure if it was my account or someone else 's. I have talked to multiple people and they could not find the {$280.00}. See below the events by day.
I did involve the XXXX. I am working with XXXXXXXXXXXand he suggested that I contact your office.
XXXX did get me in contact with a XXXX Retail Lending, XXXXXXXXXXX- See attachments for more info that comes after this.
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| 02/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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This complaint is a follow up to a previous complaint filed against Gateway One Lending. As stated previouslyXXXX and XXXX XXXX had the odometer rolled back on the vehicle I purchased 14 days before I bought the car. XXXX XXXX XXXX has numerous complaints and Gateway One has multiple complaints from other victims as well. In Gateway One 's partial response to my previous CFPB complaint, they stated that the account is currently in dispute. Today, XXXX/XXXX/2016 at aproximately XXXX, I witnessed a tow truck pull in front of my home from my patio. I quickly ran out barefoot and stood in between the tow truck and my car. I asked him why is he trying to take my car. He did not say anything to me. He then began pulling out his vehicle lift underneath me and my vehicle. I asked him repeatedly what this was about as he lifted me and my vehicled up. XXXX and I began to yell for him to stop. He didnt. My children were watching and screaming in terror as he pulled off with me and my vehicle suspended inot traffic. As the tow driver pulled off ran into a parked vehicle on the other side of the street. As numerous bystanders watched, I yelled at him to stop and that he is going to kill me. As he pulled off into a busy intersection with me stuck on the back. He then stopped as police saw the situation and intervened. The XXXX officers that showed up on scene initially asked the driver to present documents of the reposession. I told the officers that the driver iterallly took my car right under my feet. XXXX the officers never asked me if I needed medical attention. The only thing they said was for me and my kids and wife to stay away from my car. I informed the officers that this account was currently in dispute and he had no viable means to take my car. I asked if I can get at leat my children 's backpacks with all of their schoolwork out my car. The officers left it up to the tow driver. He said that if I gave up the keys he would let me inside to take out my children 's schoollwork and if I dont, Gateway will charge me {$200.00} for another key. My family then watched screaming and crying as the officers stood by and let a entity hired by gateway one strong arm us out of our only family car. I have not only lost thousands of dollars due to being a victim of a predetory loan and odometer fraud, I have at this point been financially, emotionally and physically abused. I will have to now seek medical attention from the XXXX I sustained which is going to be another financial hit that I will have to take due to my dealings with this scam artist dealer Gateway One. and My kids have no way to get to school and I now have no means to get to work. XXXX1.Lender put in writing their plans for resolution but didnt say taking my work vehicle was part of that resolution. 2. I a victim of lender fraud initiated by dealer and a predatory loan. lender not offering any assistance whatsoever instead trying to increase my burden and victimization by creating xtra hardship. 3. I had to make repairs to car constantly and informed lender true mileage issue and mechanical problens due to odometer fraud. Still no resolve and they took the truck with no intentions of consumer protection or loan adjustment. 4. At repo police offered XXXX assistance to my rights to my personal possessions and repo man threatened me in front of police that he would make sure ur possessions would be taken and u wont get anything out of my car. 5. lender has been informed by XXXX regulatory authorities of complaint and have admitted in writing that their has been proven fraud that they saw themselves and had no reason to seek anymore causes to heavy the burden of victimization to the consumer due to lack of due diligence of lender in lending on extremely under valued collateral.
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| 10/02/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
Older American |
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On XXXX XXXX, 2015 I went to my local TCF Bank ( where I had been banking for over 4 years ) in XXXX, Illinois to have the bank oversee my purchase of a mobile home. I had pre-arranged thismeeting with XXXX XXXX XXXX a banker that I had known since I first started doing businessthere ). I explained to her that I would need a bill of sale notarized ( which she said she could do ) and told her about the mobile home and the realtor 's contract and since I had recently opened an account specifically to deposit money for this purchase, I feltthat I would be safe finalizing the purchase there. I was so wrong about that. I would findout. The Realtor and Seller were there before I got there. The process of getting the checkfrom the account was endless. They ( XXXX XXXX and XXXX men I did not know from thebank ) took well over an hour to present a check for {$15000.00} drawn from my account unlike any check I had ever seen before. The XXXX male bankers signed it, I did not. It was made out to the seller with no acknowledgement about the mobile home, my name was printed in the memo section. The check made me uncomfortable but, It had taken so long for them to produce the check that my questions about it were given short shrift. To continue, first, a few hours later I found out I was not given a clear Title. The Seller and Realtor had given me a Title that still listed the Sellers dead husband on it. That was taken care of but, a few hours later I discovered that there was No working air conditioning. I was told it just did not work very well and the weather was still cool until I bought it and so I offered less money for it. There had been a slight odor that seemed to come and go but, it now reeked horribly in the heat of the mobile home. The next morning I called customer service at TCF Bank and said I had to stop payment on the check if at all possible Immediately! I was told to go to the branch because yes, the check had not cleared and I could Absolutely Stop Payment. I raced to the bank only to be told by XXXX XXXX that NO I could not stop payment. She refused to stop payment no matter what I told her about the condition of the mobile home, the awful smell smell it had etc.
Instead she produced a letter stating if I stopped payment I would be guilty of perjury. This letter was from their XXXX XXXX XXXX, ready and waiting when I got there. XXXX XXXX was not alerted by me that I was coming. I called an attorney out of the phone book who told me I should certainly be able to stop payment ( it was my money ) and It was within a couple of days of the purchase etc. etc. XXXX was rude, threatening and nasty. I told her she was responsible for my losing {$15000.00}. She did not care. Customer service said she should have stopped payment and then told me I now would have to wait 90 days for any further action to be taken. I closed my savings account and left. I have since learned therewere numerous wrongs on the contract and that would have been ample reason to stop payment. I believe now that they would not do it because of the way they cut the check.
They did not allow me to sign it. The XXXX bankers said they XXXX had to sign it - not me which made no sense. Now, I have never been able to live in the trailer because of the disgusting smell problems. I have been living in a motel causing me to spend all my money because I ca n't even sell the mobile home. The terrible smell which makes it uninhabitable will not go away and I 've spent so much money trying to get rid of it.
I am divorced and alone and that 's why I felt I would have some protection by transactingthe purchase at TCF XXXX where they knew me. I am in an extended stay motel with no ability to attach a copy of this so called Official Check which has ruined my life.
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| 01/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX, a transaction began pending on my account from XXXX in the amount of {$47.00}. At that time, the total available funds in the account were {$63.00}. The transaction posted successfully on XXXX leaving a balance of {$15.00} ; the same day, a transaction from XXXX XXXX began pending on the account for {$26.00}. I checked my account that day and saw 2 transactions pending on the account, one for {$26.00}, and an overdraft fee for {$37.00}.
At that time, I assumed that the overdraft fee was for the pending transaction for {$26.00} from XXXX XXXX. I called TCF with the intention of transferring funds into the account to cover the {$11.00} that the account was overdrawn hoping that the overdraft fee would be removed. Upon speaking to the TCF agent, I was informed that the overdraft fee was for the XXXX transaction that had posted that day, and that a second overdraft fee would be assessed for the XXXX XXXX transaction.
When I asked how they could possibly charge an overdraft fee for a transaction that had posted with sufficient funds to cover the amount and leave an available balance, the TCF agent told me that, even though the transaction posted leaving an available balance, the bank had re-directed funds away from the posted transaction to cover the pending transaction because the transaction for {$26.00} from XXXX XXXX began pending on the account the same day.
Later, on XXXX, I called TCF again to inform them that the transaction from XXXX XXXX had actually posted in error. The first agent I spoke with told me that I could dispute the transaction after it posted, and that if the merchant agreed to credit the account, the associated overdraft fees would also be credited back to the account.
I called the merchant ( XXXX XXXX ) to let them know about the error, and that per the bank agents instructions I would dispute the transaction. The merchants representative said that they would make a note on the account and they would be happy to work with me to resolve the issue.
On XXXX, 2 transactions posted to the account - the {$37.00} overdraft charge for the XXXX transaction, and the transaction for {$26.00} from XXXX XXXX leaving the account overdrawn by {$48.00}. ( Please refer to screenshot TCF1 ) I called TCF to dispute the XXXX XXXX transaction. The agent transferred me to a team leader who was extremely rude and refused to help me with the dispute. I asked her if the overdraft fees would be credited to the account if the merchant agreed to credit the account without filing a dispute and she stated that the overdraft fees would be reversed.
After the difficulty dealing with TCF agents, I was able to rectify the error with the merchant. The Customer Service Manager at XXXX XXXX agreed to credit my account for {$26.00}.
On XXXX, another {$37.00} overdraft fee posted to the account, leaving the account overdrawn by {$85.00}, then, on XXXX, a credit for {$26.00} from XXXX XXXX posted to the account which left the account overdrawn by {$58.00}. This amount clearly reflects that there was an available balance due on the account when the overdraft fees were charged ( $ XXXX $ XXXX {$74.00}, {$74.00} - $ XXXX {$58.00} ). ( Please refer to screenshot TCF2 ) Firstly, TCF bank had no right to charge an overdraft fee for the XXXX transaction on XXXX ; I believe that they should credit my account {$37.00} for this fee. Secondly, TCF has not credited my account for the overdraft fee for the XXXX XXXX transaction as multiple agents stated that they would ; they should credit my account {$37.00} for this fee as well. The total credits to which I am entitled total {$74.00} and should bring my account balance back to {$15.00}. ( Please refer to screenshot TCF3 )
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| 07/03/2018 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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My dad is a XXXX XXXX XXXX who has been managing a XXXX XXXX representative payee account with TCF. We are completing this form together. A specific branch employee has shown a consecutive pattern of defaming, discriminating against my dad, & refusing funds to his account. My dad sometimes wears a XXXX, & is being hated based on his religious beliefs by this branch manager. For over 5 years, monthly he withdraws funds, without any complications. Several months ago he wore XXXX, he forgot to write the amount on the withdrawal slip, & in turn the manager told him " get out, & come back when you learned how to fill out forms. '' Customer is over 70, XXXX. Old gentleman who forgot to enter in amount. How can he speak to him that way? From that day, he has been refused access to his funds by the same manager anytime manager is present. It all escalated today, XX/XX/XXXX, when he first came to cash his check, manager said " You only have {$1.00} in your account. Come back Thursday. Why are you bothering me with {$1.00}? Get out of here ''. My dad politely returned home, we checked the balance, & {$850.00} was available. He returned to hear " XXXX, or not, I won't serve you. I'm not cashing your money. ". He came back home empty handed for the second time. I'm on this account too, we both spoke to a TCF phone representative. She spoke to the manager, & he told her that my dad is being loud in the past, & that's why he doesn't want to give him his money. It was an invoked response to a rude refusal of funds. My dad is aging, does n't drive. He didn't want to walk miles to a different branch. So I agreed with representative that I will accompany my dad to make sure all forms are filled, & he has everything needed. As soon as I approached the manager in question, he had a very hateful look looking at my dad. Manager froze, looked at my dad with mouth open. I never spoke to this person, but he immediately started yelling at me that he feels that my dad is disgruntled because " he slams ID onto counter ''. I didn't know there was proper way of putting down ID. He said that my dad raises his voice when he is told they won't help him. I responded that I'd be offended too. He has money, someone says " I won't serve you. '' Of course my elderly father found that offensive. He is feeling like not a citizen of this Country by this person. All he had was accent, & XXXX to get this attitude. All manager said didn't explain why he told customer a lie that he has {$1.00}, to come back Thursday. Why to begin with, he is discriminating against him at every step. I know they have cameras, & they will show that my father was lied to, then refused access to his available balance. Just on this date alone. XX/XX/XXXX. So I felt like the manager was being abusive, & took out camera phone to document the behavior. Manager reached through the teller station & tried to forcefully take the phone from my hands. I called the police, who told him that I'm in the public place, if I feel something abusive is happening I have the right to record the incident. I have video footage of this person trying to take the phone out of my hands. The point is that he is abusive. I can handle it, my dad is more fragile. Of course if he refuses access to available funds, after lying they aren't available, my dad did raise his voice " What's happening? Why are you doing this to me? ", but as cameras can show, that's a response. Invoked by pure XXXX. Invoked by antisemitism, & phobia of XXXX. This manager now refuses for my dad to get his money from this branch. The corporate said they will investigate, but it seemed to me they wanted to listen more to the XXXX than checking the video & audio footage.
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| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I bought a XXXX XXXX from a local dealership and financed the vehicle through Gateway One Lending. On XX/XX/XXXX of the same year, I was involved in a collision which resulted in my vehicle being declared a total loss by XXXX , which is my insurance carrier. At the time, I was 3 months delinquent on my car payments due to unforeseen hardships.
On XX/XX/XXXX my XXXX insurance adjuster called Gateway One and reached a representative in collections who was assigned to my account. For now, I will now release her name. She gave my insurance a ten-day payoff quote of {$15000.00} to pay off the vehicle. Just a few days prior, I had checked my ten-day payoff amount online and obtained a quote exceeding {$16000.00} ( approximate, ) so the moment my insurance adjuster discussed the total he was quoted I became suspicious. He proceeded to issue a check for the amount he was given over the phone, which by the way, was processed by Gateway One just before they surrendered the title to XXXX .
A couple days went by and I was still having an unsettled feeling about the different payoff quotes so I called Gateway One and reached this same agent. She confirmed that {$15000.00} was the amount she quoted, but maintained that I still had a remaining balance. Obviously disagreeing, I argued that in the finance world and insurance world, a ten-day payoff means you are paying off the entire balance of the loan, so I could n't understand how she could quote anything other than that. The exact verbage on Gateway One 's website regarding the calculation of ten-day payoffs states " The payoff on a simple interest account equals the principal balance, plus any finance charges accrued and any other outstanding fees. '' With this said, I do n't see how there was any confusion or gray area. This agent was very nasty toward me -- making threats and scolding me for being irresponsible in my payments on the vehicle. She talked badly about my insurance adjuster, claiming he should have sent the check electronically and not by postal mail and requesting his contact information from me. The depth of her unprofessional behavior and condescending remarks toward me gave me the impression that for some strange reason, she took it personally that I would not be making payments out of pocket, but that the insurance was paying off this vehicle.
I called my XXXX adjuster back to report this information and double-check my facts. He assured me this was the amount quoted and at the time of their conversation no other fees or balance were discussed. To date, Gateway One can not provide me with any justification for a remaining balance, yet around the first of XXXX they reported I owe them {$1300.00}, which was 90 days delinquent and reported the full balance of the loan of over {$15000.00} as an active debt, which is inaccurate, and as of XX/XX/XXXX , still remains on my credit report. As luck would have it, I was monitoring my credit report actively after my conversation with the agent. The information was updated at least twice after the check from XXXX cleared. There is NO REASON the correct information should not be there. I have been denied credit multiple times, including having not one bank accept my application in my current car search because they all take this credit report entry seriously and believe Gateway One 's word over mine.
I want Gateway One 's entry removed from my credit report at once! It is manipulative, erroneous and detrimental to my status as a consumer. I will not accept that I have to wait while an investigation is conducted when I am providing ample proof that this was not a simple mistake, nor is a valid debt.
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| 12/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Servicemember |
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On XX/XX/2016 between the time of XXXX and XXXX my apt was broken into and some personal documents of mine were stolen. Including one of my debit cards, check books, and other banking info, my social security card, birth certificate and state i.d . When i returned home later that day i noticed a few things out of place but I did not think much of it because that is normal with my XXXX son. However when i woke up the next morning I checked my bank account online and noticed several unauthorized transactions. I then checked my curio cabinet where my personal documents were kept and quickly called my bank to report the items stolen and my made a police report right after. Based on other break ins on the exact same block that I live on the officer determined that someone could have picked the lock off of my door. I recently moved into my apartment so the officer encouraged that i change the locks on my door which i did. While working on getting my new documents is going well, my bank closed my claim and it did not turn out in my favor. Already having to wait for my bank to solve the dispute this crisis has gotten worst because as the holidays approach I dont have access to my funds nor was i reimbursed the funds that was taken from me. On top of that the bank put a consumer hold on my name and now i can not open a new bank account with any bank for up to 5 years. This is bad because I serve for the XXXX and I can not get paid unless I have a direct deposit set up with a bank. Also, it has taken an ugly toll on my reputation. The most frustrating issue I am having is that I was told that i could not talk directly to the dispute department of my bank so I can not speak to the person who handled my claim and determined why the claim was not solved in my favor. When I spoke to a bank representative over the phone he contacted the dispute department, and initially he was told that my claim was closed because " the person who was at the branch performing the unauthorized transactions was identified as me '' when i explained that i could provide proof that the person at the branch could not be me I was then told that the claim was closed because " I was aware that someone had my pin and I did not inform them in a timely manner '' That is also false '' I did not know that my pin ( which was kept on a folded piece of paper in a folder, inside my curio cabinet ) was stolen until XXXX on the day of XX/XX/2016 and i called the bank immidietely. At this point I requested any records the bank has which led them to make such an allegation and asked for the claim to be re-investigated but when i call the bank to check the status to see if they have any new information I dont get anywhere with the agents they tell me to wait until XX/XX/2016 to see how the investigation turns out. Also, I still have not received the records I requested that led to my claim being initially closed nor when I call on the phone they wont tell me when I already submitted in writing that i would like that information. The false allegations make me feel that I am being discriminated against. Maybe because I am young? However it is not fair. I have been a loyal and honest banker with my bank since I started banking 3 years ago and the fact that the claim was not turned in my favor and that a consumer hold was put on my name makes me feel disrespected because i would never do anything to ruin my career as an U.S Veteran. The consumer hold makes me look like a criminal of fraudulent activity and that I am not. I make my living honestly fighting for the freedom of this country.
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| 04/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To Whom it may concern, I am filing this complaint on TCF BANK due to failing to process a deposit of {$5000.00}. I called TCF bank corporate and informed that of said problem on XX/XX/XXXX, as I become aware of missing deposit upon receiving my bank statement. I was instructed to call on XX/XX/XXXX as the tcf branches were already closed. I called on XX/XX/XXXX and spoke with several tcf representatives from cooperate requesting to investigate said matter. Both branches were called at about XXXX, Branch in XXXX and Branch in XXXX ( located at XXXX XXXX XXXX ). I had made several personal/business transactions on XX/XX/XXXX and XX/XX/XXXX ( between XXXX XXXX-XXXX, which include deposits, withdrawals and cashier checks. During my initial conversation with TCF cooperate, TCFs XXXX informed in less than 10mins that they had no overages. furthermore, the TCF representative informed me that TCF XXXX would reach out later to inform on their review. TCF @ XXXX informed me at about XXXX, XXXX XXXX- Manger, that they had reviewed all transaction tapes and found all in order. I called TCF cooperate and informed that I wanted to escalate matter to an investigation. I had also question as why TCF BANK @ XXXX had made such a quick assessment in less than ten minutes regarding my matter. The representative called TCF @ XXXX as I am requesting an investigation. I then Learned that the manager was the teller that process my transactions on XX/XX/XXXX and questioned the process being a conflict of interest and addressing an investigation at the branch that will not be bias. The representative transferred me to tcf bank manger XXXX XXXX, who asked question, reiterated matter, and question how I would be speaking to the teller who processed my account on said date and if her response was the same as earlier that I would be very very upset. at this point, I am stating that the money has been stolen by their employee ( s ). XXXX XXXX also questioned me about having a copy of receipt and I informed him that I have the tellers shred paper transactions as I don't like the multi print with high balance being reported ) Also, asked when the other manager, XXXX XXXX, who oversee the teller would be available and asked that I go and check. I then informed that I was not in the vicinity and could be verify that information. I was then placed on hold and then informed by XXXX XXXX that XXXX will return from her vacation until XX/XX/XXXX. I questioned the issue and having to wait a week to peruse the investigation. XXXX XXXX informed that I would need to wait until XXXX XXXX came back. I received a call from XXXX XXXX from TCF Branch @ XXXX at about XXXX, ( was also the teller that process my transactions ), questioning me with the transactions that took place and I reiterated to her that she knows the transactions that took place as she was the teller and by now she should be cleared on the status of the {$5000.00}. cash deposit. She reported not having said information and needing to review the " tape ''. I then stated that she should have already done so, as I have being calling since yesterday and to call me back with the correct information. I have attached documentation that attest that I was at TCF bank making several personal/business transactions on XX/XX/XXXX and XX/XX/XXXX. please see attachments that verify some of my banking transactions that took place on said dates, I am very limited because I don't have a copy of my deposit receipt due to asking the teller to shred it.
Sincerely, XXXX XXXX and XXXX XXXX
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| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XX/XX/XXXX I first noticed a fraudulent account appearing on my XXXX credit report. This fraudulent account originated with TCF Bank and had already been sent to XXXX XXXX XXXX XXXX for debt collection for {$250.00}. I disputed this through XXXX on or before XX/XX/XXXX and was unsuccessful in having anything changed and received no useful feedback other than the fact that nothing changed. I contacted TCF Bank directly and was informed I could only work with XXXX XXXX XXXX. I contacted Merchants in XX/XX/XXXX, received their fraud paperwork on XX/XX/XXXX, and mailed this information back to them on XX/XX/XXXX. I received their follow-up dated XX/XX/XXXX stating they can not verify that this is fraud. Their follow-up included the original TCF account agreement which appeared to have a multitude of problems : An address in XXXX which does not appear to exist, a signature that does not match mine, a handwritten date next to the signature that anyone who knows me would know is not my writing ( I make an 8 with two circle for some odd reason ), a different handwritten date on the second page that also does not match my writing ( I never use cursive except for my signature, so I would never have written a cursive XXXX ). I had no recourse other than going back directly to TCF. In XX/XX/XXXX I mailed a notarized letter to TCF explaining the fraudulent account, asked a series of questions intended to help me prove my lack of involvement with this account, and also included a police report. I assumed that this letter had not been acted upon based on COVID closures, and did not follow up until XX/XX/XXXX. I contacted TCF on XX/XX/XXXX, explained the situation again, and was told I would be mailed fraud paperwork that I should receive in two weeks. I explicitly asked if my letter had been received and TCF declined to answer that question. I called TCF again on XX/XX/XXXX after having not received their fraud paperwork. They again told me I would received fraud paperwork in a few weeks, and again refused to confirm or deny that my letter and paperwork had been received. I tried asking detailed questions about this account in order to help myself, but was now being told they couldn't tell me anything since it wasn't really my account. So now I'm stuck with a fraudulent debt collection on my credit report and absolutely no recourse and no ability to help TCF connect the dots because they can't ( or don't want to ) answer any of my questions regarding the account that was opened with my SS #. On XX/XX/XXXX I called TCF yet again after still not receiving any paperwork. This time I asked how I was supposed to help clear this up if TCF refused to cooperate. I questioned if I should simply contact the CFPB, and I was quickly disconnected. I will be submitting the letter that I sent to TCF back in XX/XX/XXXX. As this letter indicates, I live nowhere near any TCF location, assuming this account was opened in person I can have my employer attest to my presence at work in Ohio on the day the account was opened, and most importantly, this debt is simply not consistent with any other activity in the full history of my credit report. I don't know where else to turn. XXXX simply wants paid and has no incentive to investigate, TCF is clearly not interested in helping, and the XXXX " investigation '' took less time than I'm taking submitting this complaint. Please help.
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| 03/22/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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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.
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| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2019 I realized my checking and savings account had been emptied and immediately called my bank (TCF)At which time I was made aware that someone called in on the XXXX of XXXX claiming to be me, asked for all of my account balances and transferred all the money from my savings to my checking account. They then reported my card ending in XXXX as stolen and went to a TCF location to pick up a new card. They then used this card to remove all the money from my checking account totaling an amount of $XXXX.This same day I made my fraud claim letting them know that it was likely the theives used an I.D and social security number that was stolen with my purse sometime early in XX/XX/XXXX and committed Identity theft. It should be noted that tcf was aware of this theft because I gave them this information when I cancelled my card ending in XXXX in early XX/XX/XXXX (when my purse was stolen). for them to send me the card which I had in my possession at the time of this incident ending in XXXX (which the thieves cancelled to enact these fraudulent transaction). I made them aware of this again on XX/XX/XXXX, let the representative know that it was not me that called in on the XXXX, and gave them the reference number for the police report which details that my purse along with my I.D, S.S card, and tcf card ending in XXXX was stolen after a theif busted out my car window to take my property. The reference number to that police report is XXXX. I also assured them that no where in my stolen possessions was there any documentation detailing my security pin because I have never written it down and have never given it to another party.On XX/XX/XXXX I called TCF to check the status of my claim and was told that on XX/XX/XXXX my claim was denied because they believed I was the person who canceled my card ending in XXXX on the XXXX, picked up the new card, and withdrew the money from my account.On this day I requested a reevaluation requesting, if possible, that they check their camera footage from the bank where the card that was issued fraudulently was claimed to verify this was not me. I also reiterated to them that I was not the person who called in on the XXXX to cancel my card ending in XXXX which is the last card I had in my possession. In addition I pointed out that typically whenever I contact TCF about my account they would verify my current address and phone number which is information that was not stolen with my purse ( they had an old I.D with an address that was 2 years old)which caused me to suspect these security checks were bypassed when the theives called in and when they picked up a new card at a branch. Other information I gave them which I thought might be helpful included the facts that I have not called in to get my balance in years because I use their app (which is how I found out my account had been cleared out) and also that I have only ever called them from my current phone number which would have been different from the number the thieves called from.Since XX/XX/XXXX they have refunded money that was taken with the fraudulently achieved card that was spent at some gas stations and a dunken donuts but have not acknowledged the $XXXX that was stolen from me via atm. To this date (XX/XX/2019) my reeavulation has been pending eventhough I was given the expectation that my case would be resolved in 5-7 business days.
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| 08/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Well, it all started with the first time I filed a complaint with the company. ( I got behind on a few payments because I had close to 1,000 dollars taken from my account with out my knowledge or my consent. And because of that happening 5 of my bills did n't get paid. ) I was hoping that things were going to get better, but clearly they did n't. After the first complaint i was told I would be contacted through email and that when I called in I would only speak to one individual only, and her name was XXXX. I had set up payments for every 2 weeks and when those payments were made I called in again and set up more payments. Back in XXXX I noticed that a payment that I knew I had set up has n't been made I called in to see what was going on and she told me that the payment came back with non sufficient funds. Well, that was a lie, because there was PLENTY of money in the account and I never got a fee from my bank for a return check fee. But i just ignored it and set up more payments. When I called the last few times to set up my payments I was un able to get ahold of XXXX. The person that took my call could n't tell me her extension or even had a clue who she was. I guess with my account being locked to regular associates ( because I 've been told it has been locked and I had to be trandfered ) they assumed who to send my call to being as they had to transfer me in the past. Anyways, I had looked at my online account 2 weeks ago to see how things were going i noticed it said I was behind nearly 2,000 dollars. Right there I knew something was wrong so I called in, the first girl that I spoke to said I would be transferred to the right department but she could n't tell me, she just transferred me. I left a message tell them it 's urgent they called me back. The next day I called again and the guy said he needed to transfer me. First he said that I was in the repossession department, then he said no, that is wrong that was flagged and i was in the cease and desist department. I called and left a message there. I never got a call back from anyone. I waited a day to see if they would call back and all of a sudden I get a knock at my door and my vehicle is being repossed. I never got a letter or email regarding this. Now my vehicle is in some lot I do n't know where with my belongings in it. The gentlemen says by law I have 10 days to get it back I just need to call the company to see what I have to do. Then he mentions I need to do it quick because a transport may be in the area and could take my vehicle and I 'm left with this loan with no vehicle to show for. I am very disappointed. This company is very unprofessional. They have 2 offices, one in Florida and one in California. The individual I 'm trying to get intouch with to see what 's next was gone for the day, but that seems to be the answer I get every time I called. If they say they are open to a certain time Pacific time they should still be open. So I feel like I 'm being docked around and treated very poorly. When I 've been trying to call and keep in touch and get this handled. And with me paying every two weeks of XXXX dollars I do n't understand how in the world I am XXXX dollars behind. Where is my money going?? I 've been trying to get answers but no one will answer me, they just go and take my vehicle.
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| 08/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I was laid off from my job of 18 years several months ago. Prior to being laid off, my fiance had his hours cut at work when I was on XXXX leave with our XXXX child. I was unpaid for the majority of the XXXX leave. We fell behind on our car loan payments, however, we were able to get caught up. We were only 1 payment behind. I called XXXX XXXX XXXX to schedule 2 payments, the past due and the current. I instructed the CSR to schedule the past due payment for that coming Friday and the current month 's payment for 2 weeks later. One week after scheduling the payments I was shocked to see my account was overdrawn. The CSR had submitted both payments to my bank the day I called which was 2 days prior to the 1st scheduled payment. My account did not overdraft at that time, but since the CSR submitted both payments instead of one and not on the date I specified her negligence caused other scheduled payments to overdraft which I was charged fees from my bank and the other creditors. Two weeks later on the date I had scheduled the second payment to be submitted another 2 car loan payments were taken from my bank account. I was not expecting anything to be deducted as XXXX XXXX had already posted both payments 2 weeks prior. Now they have taken four loan payments in a matter of 9 days. This brought my loan balance status to two months prepaid. At this time we were struggling to make ends meet with a new baby and loss of income as mentioned above. Having 2 unauthorized loan payments deducted and the deduction of overdraft fees caused by two errors on XXXX XXXX 's part caused us added stress financially and emotionally. It took several months to get any type of resolution and was never reimbursed for fees. The impact of their negligence had a lasting effect and we never fully recovered. About 4 months after that incident I was laid off from my job of 18 years. I decided to go back to school so that I could find another job that would pay the same amount or better than what I had been making. During this time we once again fell behind on the car loan payments. Back in XXXX I paid XXXX XXXX for the past due balance and made an advance payment for the following month. We fell behind again. I have started a new career and we are getting back on our feet. I explained this to XXXX XXXX and they wanted me to schedule payments with them. I told them I would wire money but due to the previous situation with them taking unauthorized payments I do not feel comfortable trusting them to post the information correctly. The person I spoke with said he understood and would take note. The day I scheduled the wire of all past due payments plus an additional two months payments they repossessed my vehicle. I need to travel for my job. I can't work if I don't have a vehicle. That is our only car. How do I get my car back after it is gone and I have already wired them everything that is due plus prepaid two months? There are many factors involved with how we fell into our debt situation. All are beyond our control. We are finally in a position where we are digging our way out again and able to breathe. Now this happens and we currently owe them nothing until XX/XX/2018. Please help us.
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| 10/16/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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RE : TCF Bank Debit Card Fraud file number XXXXMy experience with TCF Bank has been plagued with issues, and the latest includes MY ACCOUNT WAS DRAINED BY A DEBIT CARD I DID NOT REQUEST OR HAVE! ( XXXX, I intended to close a checking account at the TCF Bank located in XXXX, XXXX XXXX, IL because I was being assessed a fee for not maintaining an account balance I was not told about. ) I was convinced to try another product - no interest with no minimum or fees. I agreed to keep my money at TCF, but specifically requested to not have checks or a debit cards issued. I wanted to withdraw cash directly. TCF Bank proceeded to assess a fee for checks I did not order ( they reversed the fees after I complained ) and apparently issued a debit card for the account which I do not remember ever receiving.
Flash forward, I receive a Notice of Overdraft or Adjustment letter dated XX/XX/XXXX stating my account with TCF was overdrawn by {$410.00}. I knew that was impossible because I had not withdrawn cash from the account since XX/XX/XXXX. I immediately called their customer service and was instructed to go to the branch the next day and file a Regulation E/Electronic Transaction Unauthorized Use Claim, which I did. I receive several other Overdraft letters dated XX/XX/XXXX ( {$1200.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX. ) After calling very upset that TCF 1 ) PERMITTED DEBIT CARD TRANSACTIONS ON MY ACCOUNT WHEN I HAD NOT REQUESTED A DEBIT CARD AND IT WAS NOT NORMAL OR CUSTOMARY FOR THE ACCOUNT, 2 ) CONTINUED TO PROCESS TRANSACTIONS AND ASSESS OVERDRAFT FEES AFTER THE ACCOUNT WAS ALREADY OVERDRAWN, and 3 ) DOES NOT HAVE A QUICK REMEDY OR INVESTIGATION PROCESS WHEN AN ACCOUNT IS COMPLETELY DEPLETED. On XX/XX/XXXX TCF bank notified me a provisional credit of {$4500.00} for disputed transactions, and {$140.00} Service fee reversal would be given.
I THINK TCF IS HOLDING MY MONEY WITHOUT CAUSE. I want to transfer my account to another bank, but am told the balance is provisional and the investigation can take until XX/XX/XXXX. TCF knows I filed a police report and made calls to venders on XX/XX/XXXX and XX/XX/XXXX, and THE VENDORS AGREE THE TRANSACTIONS WERE NOT MADE BY ME. XXXX vender, XXXX XXXX Floor in XXXX, WI XXXX charge of {$3700.00} ) said they have an employee that remembers the transaction and carrier ( a man with XXXX XXXX XXXX ) that picked up the order, and has a receipt but signature is illegible. XXXX XXXX, Building Manager at XXXX XXXX XXXX said the debit card had been called in, and acknowledged the transaction was not made by me. I spoke with another vender, XXXX in XXXX, IL ( charge of {$580.00} ). Per XXXX, the debit card was called in, they have surveillance, and an employee that remembers the man and car who picked up the order. He also acknowledged the transaction was not made by me. With just a few phone calls, TCF could easily determine the transactions were made fraudulently and fully release my money. I think it is wrong that TCF has not fully released my money, so I can close the account and move to another bank that has better systems in place to prevent fraud and track record of releasing funds in a timely manner.
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| 03/20/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I would like to file a complaint against TCF Bank. On XXXX XXXX XXXX I discovered that {$600.00} dollars was missing from my checking account account and tried to stop the money from posting but because it was on a Sunday the teller said that she could not do anything other than stop my atm card until Monday. The next morning I went back to the tcf branch to file an investigation on my account because someone had used my atm card at a Tcf atm in XXXX Michigan but was informed by the branch manager that the bank could do anything unless I filed a police report with the XXXX police department because thats where the crime occurred. The next day I got a copy of my bank statement a filed a report with police. I went back to the branch to file the investigation with Tcf bank. The bank said that it would be easy to identify the person because they used tcf bank 's atm and they good camera systems. Next they ask me if i gave my pin # to anyone and I told them no! That I did not give my pin to anyone. Next they ask me if I suspected anyone told them no I do n't and that I had not used my atm card in a while since about XX/XX/XXXX but I had just went through a divorce back in XX/XX/XXXX its possible my ex wife could have got a hold of my card when she moved out and I did not authorized her to do anything with my card if in fact she was the person who stole my money. I told them that I have only XXXX card and no one else is on my account. The person who stole my money done a balance inquiry that cost me {$2.00} then according to my bank account statement and started pulling money out. The money that was taken made me short on my apartment 's rent so I had to move out. I continued to work with the bank asking if there was anything else that I could do the manager said no they have their own investigation department and they would be sending me a credit. I got a credit about 10 days later and a few days later I received a response from the investigation department asking for my account as to what happened and it had to be notarized and faxed back. I made another trip back to the bank and filled out the the investigation later and gave them the police report number and had the bank fax it back. Since faxing letter back I had no response from the bank. On XX/XX/XXXX I discovered that the bank had taken the {$600.00} back from my account with no explanation as to why so I asked the manager and she that my claim was denied because I benefited from the theft out of my checking account. At this point I was at a loss because I just loss my apartment and had not heard anything from the bank. The manager said that the investigation was sending me a letter as to their findings but I have not received any letter from them. Then she told me to file an appeal which I done. I do not think that it is fair to accuse me of benefitting from this matter. I followed every instruction from the bank to help with their investigation in a timely manner and ask to be kept in the loop and I heard nothing from them. The branch managers said everything was okay you going to a credit. This the number to the XXXX police department XXXX where i filed the report.
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| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Some time ago I overdrafted my account because of a check that posted that I 'd forgotten about. I learned in that call to TCF Bank that physical checks will not show pending. They simply post to the account once they are processed.
I overdrafted my account another time and in my call to TCF Bank I learned that they post physical checks between 10pm and Midnight. 10pm is the cutoff for deposits and transfers, even internal bank transfers, so if you do n't have enough money in your account to cover checks posting after 10pm, you can expect an overdraft fee. Not an ideal policy in my mind, but I have a choice to bank or not to bank with TCF. Keep in mind however, not everyone has this choice. TCF Bank is one of a few banks that does not reference ChexSystems. ( More than 80 % of banks and credit unions use consumer reports from ChexSystems and other agencies to help them decide about bank account applicants. Banks and credit unions share information about these individuals and whether the institution closed their accounts. ) The reason I am writing this complaint is because of my most recent overdraft. I have been working to complete the trust accounting to solidify the balance of a transfer from XXXX to XXXX, and as of XXXX XXXX XXXX, my operating account had a balance of {$460.00}.
I went to bed relieved that I had at least 1 more day to finish and make the complete transfer before any recent checks posted. To my disbelief, I woke up this morning to see 5 checks posting to my operating account dated XXXX XXXX, overdrawing my account to the tune of {$1800.00}. I transferred {$2000.00} of monies free and clear from trust, when I was planning on just finalizing the exact number today, and I promptly called TCF for an explanation.
The explanations are confusing, but in a nutshel, I was advised by the first rep that checks began processing on the XXXX and post between midnight and 6am today XXXX XXXX. She explained that they are dated for the XXXX because that is when they began processing??? I was processing my trust accounting yesterday to transfer today, does that mean I get to defy the laws of time and space and backdate my transfer as if it occurred yesterday? But I digress ...
The next rep I spoke to explained again the XXXX cutoff for deposits, and the fact that processing checks begins after XXXX but could n't explain why there were no checks posted by the end of XXXX XXXX according to the online banking. She told me that online banking is not delayed, she stated that she could not tell me the actual time the checks posted, but she did state that if they are showing that they posted on the XXXX, then they most of posted on the XXXX, contrary to what the previous rep stated when she explained checks processed yesterday can post between midnight and XXXX.
I have a recording of the conversation attached to this complaint. I simply want to understand TCF policy on debits and credits, and I want to know if there is any regulation supporting their policy which in my opinion is clearly in direct conflict with what would be in the best interest of the consumer.
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| 07/27/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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When i check my account the running balance the posted and pending transactions are deducted from what is shown as available. But once the pending charge posts that money is again deducted from my balance. Also the records for my account show that I opened the account with a negative balance. And every transaction that has gone through is then calculated wrong. For example $ -XXXX was my opening balance and I deposit $ +XXXX it would show my balance as $ -XXXX. Or $ -XXXX and I spend XXXX it shows as $ -XXXX - $ -XXXX = $ -XXXX. This is only one of the errors my bank makes that has caused my wife and I to lose an apartment we were supposed to move into and caused us to become homeless and lose our jobs. Another thing they have done is not allowing me to stop or charge back any unauthorized charges made to my account. They make me wait until the charge posts then I have to dispute it and they " investigate '' which takes 6 weeks and the outcome is always, and this is a direct quote, " not in favor of the customer '' even when i presented the paperwork showing that my card number had been entered manually and proof that the bank requested that I was not even in the same city at the times these transactions occurred. The bank had shut down my card then called me to alert me the transactions had happened without my authorization. I never received the money that was stolen because the banks investigation results were " not in favor of the customer ''. When I went into the branch to show the branch manager her response was it's different because you're not on a computer. Also I noticed that at least a month of transactions is missing between XX/XX/XXXX and XX/XX/XXXX which you will see in my attachment. She completely ignored me when I pointed out that it shouldn't matter if I'm on the mobile application, mobile site, computer site or the branch, the information should be the same. And to dismiss me, She printed out the statements from XX/XX/XXXX present and gave me a highlighter to go over. There was no attempt at explaining, apologizing or rectifying the situation. My concern is that the consumer side websites and apllications are intentionally wrong so that money can be skimmed off without anyone knowing. The branch computer then becomes the only place to get account details which forces the customer to accept that information as fact which then takes away the customers ability to manage their own finances. On XX/XX/XXXX our running balance was XXXX $ and some change then after my wifes paycheck was deposited on XX/XX/XXXX, which was XXXX $ the running balance went to XXXX . The bank claims there was only XXXX $ in at the time of deposit but the mobile app and website both say XXXX . We are missing an immense amount of money due to the bank branch having what must be a completely separate ledger than the one I have access to online. The branch withheld several months of statements from XXXX after i requested all statements from XX/XX/XXXX - present and several months are missing from XXXX online. The nearest i can calculate missing is {$13000.00}.
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American, Servicemember |
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In XXXX, I refinanced with TCF XXXX and my home in XXXX was valued at {$400000.00}. I was laid of from my job in XXXX of XXXX at the age of XXXX and could not find another job until one was offered in XXXX at a 60 % reduction in previous pay. I had asked TCF for assistance and they said I was not late on payments. I used my severance and XXXX money to continue to pay the mortgage until I took the job in XXXX. Since I was trying to pay for two residences, TCF told me I could use the XXXX XXXX XXXX which put all the interest payments into the principal thus increasing the balance a total over {$24000.00}. My husband of 40 years and I had to live separately for a year until the house sold so he could take care of it while it was on the market. We were forced to do a short sale and the home sold three times all of which fell through for various reasons out of our control. The fouth buyer offered {$250000.00} which was {$5000.00} more than the previous contracts but TCF would not reduce the deficiency. TCF would not approve the short sale unless I signed a note for a {$48000.00} deficiency. I was treated terribly by TCF when I told them I could not afford a household move and another payment. I did not receive statements for this account. I paid every month by phone. They claim I was up to 120 days late which I disputed. Their collector asked if I could make a payment every month which I did until I got laid off in XXXX of XXXX at age XXXX. At that point since I had paid over {$10000.00} they wrote off the loan. We have downsized our housing expenses twice and are about to do so again as we are now going to live on social security. I did not want to file for bankruptcy during this ordeal or walk away from that house because I worked in the mortgage industry and wanted to do the right thing. I had to live with the consequences of the short sale on my credit for seven years and now I am dealing with the consequenses of the deficiency loan that was only resolved in XXXX. In general, I was talked to and treated terribly by TCF during a time that I was doing my best to make payments and sell the house. The deficiency loan was UNSECURED as you can see on attached document. TCF continues to report it as a Real Estate loan and lenders consider this a big problem when we apply for a home loan. We are about to do this again and downsize again. I have tried to resolve this through the credit bureaus three times and the TYPE of loan has not been changed. I am wondering how many years we have to suffer the consequences of a loan I told TCF I could not afford to repay in the first place. I believe this is a XXXX XXXX XXXX and needs to be cleaned up and reported like any other UNSECURED loan. We tried as hard as we could to sell that house and get the most money possible to pay the bank but TCF did not care. I realize that CFPB can not do anything about the way I was treated but I would respectfully request that the deficiency loan be reported correctly on my credit reports since it is NOT and never was secured by real estate. Thank you.XXXX XXXX
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| 03/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2020, TCF withdrew {$1000.00} from my checking account. The transaction showed up as a transfer to account XXXX. I contacted customer service immediately upon seeing this on XX/XX/2020 ( call made at XXXX ). The customer service rep told me that it was a transfer to another account that had a negative balance. I knew that my sister, XXXX XXXX, had a negative account due to fraudulent charges through XXXX and asked if it was her account. The rep said she couldnt disclose this information as I am not on the other account. I asked how they were able to take my money without ANY any type of notice. The customer service rep told that XXXX XXXX is on both accounts and thus, they could do that. I stated that there was an ongoing investigation with the local police department and they were made aware that there were fraudulent charges. My sister XXXX XXXX lives with my parents, has only SSD as her income, has never had XXXX XXXX and would not be able to manage setting it up on her own. TCF was put on notice within 24 hours of the hack/fraudulent charges when these were discovered by my mom XXXX XXXX.
I requested to speak to manager after no resolution with the customer service rep. I was transferred to XXXX and she was extremely rude and sarcastic. She told me that they have a right to take money any way they can to bring a negative account positive. I told her that I would be unable to make my mortgage payment, car payment and other payments with the money they stole from me. Her response was to ask your mother for that money back. I asked for a call back number to reach out after seeking legal advice and she said I dont have a direct line.
On the same day, I went to my local TCF bank branch in XXXX MI on XXXX and spoke with the branch manager, XXXX XXXX. I explained the endures situation and requested to close my accounts to avoid them taking any additional money from me. I was told I could not close my accounts due to pending automatic payments. They said I could come back once all my payments were no longer pending.
1-2 weeks later ( exact date unknown ), I received a letter ( only addressed to XXXX XXXX ) stating that I was previously notified that my account ending in XXXX was overdrawn. The notice then said that they transferred {$1000.00} to my account ending in XXXX. The account ending in XXXX is NOT associated with my name and never has been. That account is my sister XXXX XXXX account, and my mother XXXX XXXX is secondary.
Since XXXX, TCF bank has taken XXXX SSD to cover her negative balance as well as {$1000.00} from my account. This still wasnt enough money taken to bring XXXX account balance to {$0.00}, so TCF sent her collection letters, and theyve now turned her over to a collection agency. The police investigation concluded recently and determined that her information was hacked and stolen and then sold on the dark web. Despite these findings, TCF is still refusing to reimburse her the funds that that were fraudulently stolen. TCF has been nothing but rude and unhelpful.
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| 03/23/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have been a customer of TCF Bank for over 20 years since their operation as XXXX in my area. Since on line banking was introduced, I have been irritated by the 'order of posting ' the bank uses. I admit I do have issues with a balance and finances are not my strong point, but I count on what I see on my view of my statement that TCF Bank 's website provides customers to see my balance and know if I can spend anything, and yes I know there might be checks that have not come thru yet. My concern is the view I, as the customer, see as far as order of posting and the guidelines the bank/bank employees get to see for the same transactions. I have learned they are two different programs and items are shown posted differently on both programs. I have read the terms and how things are posted, which seems to be the view the bank employees see and from my research does not seem to follow a set rule system in some postings. I am concerned they are not following their rules when posting items and sending transactions thru to processed status. I run a very tight account as I am not rich and often when i know what my balance is I do another transaction knowing I will have the money and somehow the order of processing changes from their end ( from what I have already seen on my view of the account condition ) and then they end up returning an item and charging their fee ( of {$37.00} per transaction that goes wrong ) or an item that goes over balance all of a sudden according to their view and then they pay the item but still charge the fee ( {$37.00} ). I have several times printed my current screen of postings that they show me, only to come back later in the day to see a different order of postings. I have asked various tellers ( at different branches ) numerous times to explain to me why i see one thing and it looks a certain way ( ok and balanced ) and why they see another view. Some of them have gotten so confused over what is going on that I get a half baked answer once they think they figured out what happened. I understand running my account so tight and forgetting about a check that has n't cleared has XXXX up my account a few times, but not to the extent that their view of book keeping has affected my finances. This has been going on longer than customer access to a daily balance statement online, and seriously I could pay off numerous other bills with the money that has been charged by these nefarious posting 'rules ' that seem to favor the bank 's account more often than the customer 's account balance. I have even written the TCF Bank head quarters ( email ) twice and have received no promise to look into anything nor a satisfactory explanation other than suggesting I reread the posting guidelines and/or keep more money in my account. I have also written a ( now forgotten ) national elected official in charge of finance stuff and received no answer. I am constantly irritated by the seemingly sneaky non-transparent practices that TCF Bank uses to maintain balances.
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| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I got a mortgage in XX/XX/XXXX from TCF Bank, I signed up for the " Command Protection '' which was explained to me as a job loss protection insurance policy. My mortgage person explained to me that in case of job loss TCF would make payments until I had obtained other employment. Of course to an extent, but it was some assurance that if something did happen and I did lose my job TCF would work with me. The charge for this was {$32.00} per month. Well in XX/XX/XXXX the unthinkable happened. I was a XXXX XXXX for ten years with a local Michigan department. I was unlawfully terminated by a corrupt police administration. If you doubt me there is a current court case against the department brought on by 3 XXXX XXXX who were unlawfully terminated by our department. I applied for unemployment however myself and other officers were denied by my XXXX XXXX department. My family was in a tough spot, however we still made our mortgage payments. In XX/XX/XXXX I called to ask if TCF could help us with making one mortgage payment and to see if some of our late fees could be waived. At first the customer service rep said not to worry that we were covered by the command protection. She said I could get some fees waived and I could get back on track no problem. She gave me a number to call, however I left repeated messages and never got a call back. After a week I called back the original person I had talked to. She now said I didn't qualify because I wasn't on unemployment. Well I explained to her that I was denied. Luckily around the same time, someone made an offer on our house and we sold it otherwise we probably would have gone into foreclosure. I complained to TCF about why I was paying {$32.00} per month for something sold to me as job loss mortgage payment protection, and then when I need it I did not qualify! I asked for my money back since XX/XX/XXXX because since it seemed like a scam and I couldn't use it anyways, they said no way would they give me any money back and in fact charged me {$32.00} one more time before my house sold! I want all my money back for this useless " Command Protection '' product and the public should know that it's almost impossible to get any help from TCF Bank if you run into problems paying your mortgage. If they would have helped us out on just one payment, it would have meant the world to me and my family, but they couldn't even help us one bit. I want all my money back. Over the course of my mortgage, I counted up {$6100.00} in " Command Protection '' fees that I paid for a service / protection policy I could not use. TCF will lie and say it's not " insurance ''. My mortgage rep called it insurance and sometimes on my statement it was described as insurance. This " Command Protection '' was explained to me as a protection for me and my family NOT an extra income stream for TCF Bank. I have my statements to show the charges that I can email. The statement was too big of a file to upload here on this page.
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| 08/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I had a checking account with TCF. On XXXX I noticed on my account there was a {$40.00} charge that should not have been made cause i had changed my mind and did not take the merchandise i was contemplating buying but i do not know my card was charged. I received nothing so I tried notifying the merchant at the XXXX XXXX XXXX XXXX. They wouldn't help so I called the bank. They did not initiate a dispute nor credit my account. I called a couple more times as well to find out when this would be fixed. Nothing was fixed. It resulted in a snowball effect of NSF {$330.00} in fees plus the {$40.00} that the merchant took from me putting my account negative to which my account was then closed cause i refused to pay what they said i owed cause they owed me. I Contacted CFPB received a notice I would finally have this resolved and they sent my check to an old address. I contacted them to have a new check issued and they are making it really difficult to have it reissued to my new address. Then they are telling me I need verification of my ID when the Branches were closed due to covid19 I had no way to go to a branch i have no vehicle it was drive up only. And was told after it was updated that it would still be months before i would receive money they have due to their negligence in the first place. They are a bank can they not see that a check issued from one of their accounts was not cashed. They can stop payment on my check and i could write another but they can not do the same? They agreed they owe me {$140.00} I have the letter stating this and it was the resolution complaint number XXXX i filed with CFPD. It has been a year since the transaction and why its not as easy as stopping into a branch and geting the money they owe me on an account that should have never been closed in the first place after I tried to explain a situation where i was ripped off and having them join in on it admitting they are wrong to make it very difficult to get my money back {$140.00} a lot to me but a drop in the bucket for them that they were about to also ruin my cred it over is unacceptable. TCF net assets on XX/XX/XXXX is estimated to be at XXXX XXXX dollars. And I have nothing unemployed and struggling to pay bills and they create this bureaucratic mess for me to jump through hoops over their mistake in the first place in XXXX they had a XXXX XXXX dollar class action over NSF fees. I seems nothing much is changing. I wonder how much of the XXXX XXXX dollars is from TCF ignoring the needs of their customers? Then manipulation of those customers into submission with having to jump through hoops to get what they trusted them to hold of theirs. I have heard very nasty stories about this bank that are frankly disturbing and the fact this is occurring still is even more disturbing. I am sick of being pushed around by banks like this that are definitely not out for the good of anyone other than their own gain. So are a lot of others.
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| 04/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Disputed charges to my debit account : {$39.00} from XXXX on XX/XX/XXXX {$39.00} from XXXX on XX/XX/XXXX The merchant XXXX XXXX XXXX is supposed to send three XXXX records every month as part of a subscription, however, after XX/XX/XXXX, they stopped sending me anything at all. I tried to reach out to customer service and was unable to, initially to ask why I had not received anything and subsequently to request a refund and tell them to cancel my account. This all took place in XXXX prior to the XX/XX/XXXX charge.
After that charge, some basic internet searching revealed that the company is basically a scam in that they will not send you products, their customer service team is impossible to reach or does not exist, and it's impossible to cancel your account outside of putting a stop charge on them through your bank/credit company.
Some of the modes I used to attempt to reach XXXX to request a refund/cancelation : - Via telephone, as their website lists they can only cancel an account is via phone. However, I have called over 200 times within the hours listed on their website and have never had anyone answer. The call sends you to a voicemail box requesting that you leave a name and number but they do not call back.
- Several emails, only twice received a response that was not helpful and did not respond to my questions or requests. Since them have received no response to any of my emails.
- Private messaging on both XXXX and XXXX.
Despite telling TCF bank all of this several times, over two so-called investigations after I submitted a dispute and the above info they have responded that they are " unable to recover your funds. If you wish to continue recovery efforts, you must work directly with the merchant who charged your account. '' I can not " work with '' a merchant who is scamming customers and has purposely made itself unreachable.
Attached below please find the documents I sent to TCF in my dispute request, namely : 1. Email chain requesting refund and cancelation of subscription ; 2. Screenshot of XXXX direct messages requesting same ; 3. Screenshot of XXXX direct messages requesting same ; 4. XXXX XXXXerms of Services, including billing and cancelation policy ; 5. Screenshot of my XXXX account showing that the only shipment they ever sent me was one paid for by someone else as a gift, prior to the XXXX and XXXX charges to my account ( so no shipment of a product on either of the charges to my account ) ; 6. Screenshot of XXXX site indicating that subscription can only be canceled by phone ; 7. XXXX XXXX XXXX business profile for XXXX ; including XXXX investigation results detailing numerous complaints of customers not receiving products purchased and being unable to get in contact with XXXX to cancel or request refunds, as well as notation that XXXX has an " F '' grade ; and 8. Numerous reviews on XXXX ( third party review platform ) indicating above detailed behavior.
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| 10/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My current situation started in XX/XX/XXXX when I was layed off from XXXX XXXX XXXX ; a job of 2 years. I approached TCF the following XX/XX/XXXX and discussed possible options for a mortgage modification. At the time my monthly payments were {$1000.00} per month and TCF agreed to a year long temporary modification of {$650.00} a month. In XX/XX/XXXX, after my monthly payments had returned to the original {$1000.00} per month that I again approached TCF on the possibilities of a permanent modification. TCF requested that I submit the required forms which I did the next month. I did not hear back from TCF all XXXX and into XX/XX/XXXX despite numerous attempts on my part during this time. It was at this time ( XX/XX/XXXX ) that I decided to cease monthly payments to TCF in the hopes of " lighting a fire under their feet '' I was contacted by TCF in XX/XX/XXXX and offered a " trial '' modification of {$950.00} per month ( with a 3 month phase in period ) which I accepted due to my desire to work with TCF. I made the XX/XX/XXXX and the XX/XX/XXXX payments but due to my employment situation at that time I was not able to make the XX/XX/XXXX payment. I resumed employment XX/XX/XXXX and contacted TCF the following month seeking to address this issue. At this time ( XXXX XX/XX/XXXX ) I was informed that TCF would resume accepting payment if I would remit 2 payments of {$1000.00} for XX/XX/XXXX and then {$1000.00} a month there after. I agreed to this because, once again I want to stress that I wanted to work with TCF. The 2 payments of {$1000.00} in XX/XX/XXXX and {$1000.00} singular monthly payments were electronically withdrawn via phone call voice authorization from my Mother 's TCF account due to the fact that my TCF account of 26 years had been shut down due to identity theft in XX/XX/XXXX. I had made payments for XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I attempted to make my XXXX XX/XX/XXXX payment I was informed that XXXX was no longer accepting payment from me and had begun the foreclosure process. I made one last attempt at modifying my mortgage starting in XXXX XXXX. After supplying again requested paperwork my " hardship modification '' was denied in XXXX XX/XX/XXXX. The following month XXXX XXXX XXXX ) I received in the mail a solicitation from a company that had agreed to assume my mortgage and modify my monthly payment down to {$550.00}. per month. This company needed TCF 's permission to proceed with the assumption process but after providing the new company with several phone number contacts to TCF 's mortgage office and numerous attempts by myself and the new mortgage company to establish a dialog. These efforts proved utterly futile and lead me to my honest belief that TCF was " stonewalling '' any attempts to rectify my situation to save my home and that TCF had most definitely developed a hostile and aggressive attitude and posture towards me
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| 05/18/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX. At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXX XXXX XXXXXXXX in particular ) have searched my XXXX account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, XXXX XXXX 's collection agency has not been any better. They recently somehow found out I was working as a XXXX at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. On my most recent conversation with XXXX XXXX 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to XXXX school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
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| 11/03/2020 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I started a XXXX and opened a checking account with TCF bank in XXXX. As condition with my XXXX, I opened also a gym membership early in XXXX to mitigate a disease process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XXXX for an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my XXXX has been severely damaged. A {$6.00} XXXX dollar investment into my XXXX has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this Force Majeure event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. The address for the above account at TCF is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address known by the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Since originally filed have been contacted by " XXXX '' a General Manager for the gym who indicated that the prior GM or co-GM failed to freeze the account which caused the recurrent charges and bank fees. As a settlement he offered {$170.00} which is not sufficient. The total is {$310.00} ( more than {$200.00} ) are bank fees to which none of it had been caused by myself and should be either absorbed or forgiven and not paid by me.
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| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On the night of XX/XX/XXXX while I was vacationing in XXXX I became a victim of Hackers using my business checking account making unauthorized purchases while I was receiving phone calls from TCF Bank representative making me aware of this fraudulent purchases, I attempted numerous times to call them back at the number provided XXXX extension XXXX without any response and it was until the next day when I was able to communicate with a representative who immediately said it will cancel my debit card these Hackers were apparently using, at the time they asked me if I lost my card and I responded that I wasnt sure but that I did not have the card with me but it was in my home in XXXX Colorado. I was vacationing in XXXX from XX/XX/XXXX thru XX/XX/XXXX, so I was told and investigation was been in place and that I should receive a response from someone from my bank, all of the sudden no one ever contacted me and I received my 1st notice dated XX/XX/XXXX stating that based on the microchip technology they believe this transactions were authorized because whoever filed the complaint over the phone stated that I had the debit card in my possession which was wrong so I went back to the bank and reenter another claim on XX/XX/XXXX and then again I was told someone will be in touch with me since no one at the bank would be able to help me, until now no one ever call me in the phone and so then I received my second notice stating the same exact response from the first notice and I went back to the branch and the representative called some number where he was told to tell me to write a letter as I fully disagree with their decision they were taking for the simple reason that they are not making any investigation because every time I use my debit card with or without a microchip I either have to insert my PIN or sign as credit and because I do not have any details of this fraudulent purchases nor I have received any new debit card they said they will send me, By this means, I do ask the Bank to perform a deep investigation and if they believe I made those transactions to proof to me and to give me full details of every transaction that was made fraudulently and that someone communicates with me or if they believe I made those transaction to proof with my signature or PIN with date and time of every transaction until this case is fully clear, the same happens with other business account I have with XXXX XXXX who immediately filed and investigation and reimbursed all of my money from an unauthorized purchases. Thank you very much for your attention in this matter as I expect to clear this matter by receiving full reimbursement of all the fraudulent transactions in the amount of {$2200.00} should you need any further information please call me direct line XXXX to answer any question you may have, thanks Sincerely ; XXXX XXXX
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| 05/20/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello CFPB, Thank you for reviewing my case. I sent the below description to TCF Bank 's loan servicing email ( XXXX ) as directed by a customer service rep, but since sending that message on XX/XX/XXXX, I have not received confirmation in writing that their disputes team was working on my case. I called in to ask if they would confirm in writing and they denied my request, stating this process usually takes 30 days. The below description of events and attachments will illustrate how TCF made the mistake ( s ) and 30 days is not acceptable for processing as my family needs to refinance our mortgage now, not later.
Dear TCF Bank, I am unable to move forward with the refinancing of my current mortgage with XXXX XXXX XXXX because TCF filed two erroneous late payments with all three credit bureaus after I had received formal notice of my TCF account being successfully closed and paid in full. Please see attached Credit Report ( first two pages only and I have blacked out my SSN to protect my PII ). The purpose of this email is to have TCF remove these late payments from my record with all three credit bureaus and respond to me in writing that these late payments were reported in error. My loan was paid off in its entirety in XX/XX/XXXX, and I have attached two notices ( email from XX/XX/XXXX with XXXX XXXX 's signature and mail from XX/XX/XXXX with XXXX XXXX 's signature ) indicating the loan was paid off in full and closed, yet TCF reported late payments in late XX/XX/XXXX and in XX/XX/XXXX. I have attached all the evidence that will be required to move this forward quickly and easily. I know this is a simple mistake by TCF and it shouldn't be a big deal, but it's having a large impact on my household financially. I hope we can remedy this situation very quickly without my having to file complaint with the consumer finance protection bureau ( obviously that's what I'm now forced to do ).
Attached email notice from XX/XX/XXXX of closed account Attached mail notice from XX/XX/XXXX of closed account Authorization to close line of credit on XX/XX/XXXX when I started the process of making final payments and closure of the account.
Please note that I copied all individuals on the above email that had either signed off on the closure of my account or reached out to me in XXXX and XXXX about this mistake but neglected to ever mention that I was in threat of having late payments reported to the credit bureaus.
Again, I am trying to refinance my mortgage immediately to take advantage of the low interest rates, which could really help my family during COVID. Immediate attention to this issue would be greatly appreciated.
Please send back receipt of this email, contact information for individual that will investigate this case and stay in touch with me, and an estimated time for completion.
Thank you, XXXX
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| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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THIS IS AN RV LOAN : Here is an example of what I have been going through. I have emailed them through their website and through regular email. The wait times on calling is about an hour or more ( this is why I emailed XXXX. I also messaged them through XXXX messenger and this issue is still not resolved.
First message from XXXX : My issue is this My loan payment is XXXX. I pay XXXX each month. I sent a document that shows I want XXXX paid on the loan ( this includes interest ). I want XXXX applied directly to the principal. In theory, I should be paying less interest each month, this has not been the case. The XXXX was applied to the loan and it shows next month I owe less than XXXX. This tells me the XXXX wasnt applied to the principal. I called and was on hold for 45 minutes. I did speak to a rep and was told It does not need to be broken out like it was in the past ( like the document I submitted ). Your systems automatically applies the XXXX to the principal. I have not seen that happen yet. My phone number is XXXX. If what was told is true, you can respond to this message. However, I still have a hard time believing it is being accounted for correctly at this rate your system will show that I wont owe any payments in two months and beyond.
Second message in an email directly in XXXX : I am having a hard time understanding how I can be paying more interest in XXXX than I did in XXXX. I am paying XXXX more per month on the principal. It would seem like the interest would NEVER increase. I have asked that the XXXX gets applied to the principal ( not as a lump sum with the payment ), if the interest increases than that amount isn't being applied to the principal. I am LIVID. I keep trying to get this straightened out and can't get an answer. The interest should NOT increase, I am paying XXXX more per month to get this paid off. If you could give me a direct number that might help too. I want this to go back to the document I signed. XXXX for principal and interest and XXXX to the principal. I am so frustrated and I want someone to look at this account and explain how the interest can EVER go up when I am paying XXXX more each month on the principal. I do not want next months payment amount reduced, I want the payment of XXXX ( principal and interest ) and XXXX applied directly to the principal. I would understand if I was just paying the normal payment because 30 days in XXXX versus 31 in XXXX, however, I paid XXXX more! My interest payment should not increase because I am paying more than required on the principal. If you look at XXXX and XXXX was done correctly, then I increased the amount to the XXXX additional. I have been paying more in interest than I did last year when I was paying XXXX more per month. I want this fixed and applied to the loan. This is fraud. I want it fixed.
|
| 03/22/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.
|
| 08/31/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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On both XX/XX/XXXX and XX/XX/2020 XXXX at XXXX of Ohio requested a payoff from TCF Bank. Our closing date was on XX/XX/XXXX. There was NO response to her requests. I tried several times as well and there was no answers on any of the numbers leaving me on hold as long as 8 hours until I finally hung up the phone. Not just once but several times different days.
I sent emails to all of the bank committee members including the president with no response.
Finally I called the collections dept and did reach XXXX XXXX who tried several times over several days to try to get someone to respond regarding the pay off with NOTHING as well.
I drove to the local branch and was told there was nothing they could do.
On Thursday XX/XX/XXXX driving back home from XXXX from signing our paperwork a XXXX or XXXX called me and in a nasty tone said " Can i help you with something? '' acting as though I did something wrong and she was aggravated she had to pick up a phone and talk to me. DISPICABLE CUSTOMER SERVICE!
I explained the situation and also explained how XXXX was the only one who I was able to reach on the phone, how he tried to help even though it wasn't his dept. and she chuckled ... .SERIOUSLY? She then said she could see my file and that the payoff would be sent in 1-2 days as it needed another set of eyes, they were short staffed, having to hire people, can't keep up, blah blah, blah. Still no payoff and Barristers finally got through to someone after 3 hour hold time on Friday, XX/XX/XXXX, who told them it would be another 5-7 days before someone could get to it. I am wracking up interest on this loan that could have been paid off last week. i have sent out more emails this morning and again the only one responding is this XXXX XXXX who said he has done all he can do as no one is responding to him either and that he would try resending his emails he sent last week. XXXX XXXX in the Collections Dept I was also told by XXXX XXXX has been trying to reach someone in regards to my payoff with no response.
I went onto TCF XXXX XXXX to see if anyone else is having issues and OH MY GOODNESS there are hundreds of complaints!
I feel as though my hands are tied. My money is being held up because of TCF and interest is building not only on the home loan but the loans that were to be paid off in XXXX ... which is obviously not happening. I have several emails that I have sent out. XXXX at XXXX of Ohio also can provide her emails sent.
This bank is poor at best and honestly a bit scary according to other dissatisfied customers on their site.
I need a payoff immediately. the n
ew owners paid in cash and TCF is holding everyone up for title transfer, my proceeds, realtor commissions, etc. I would like to file a formal complaint against TCF Ba
nk.
|
| 09/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ).
I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch.
I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail.
After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything.
By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent.
XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.
|
| 01/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX TCF- charging over draft fees XXXX and sending a " notice of overdraft XX/XX/XXXX '' same day 'supposedly '' over drawn- When on this day XX/XX/XXXX I have receipts of XXXX {$6.00} at XXXX and a USPO {$10.00} united states post office ( book stamps ) @ XXXX Question here " How does a XXXX transaction electronic ( bank card ) end up on ( Same day XX/XX/XXXX TCF Notice of overdraft being sent out that day?
On XX/XX/XXXX I had a mortgage payment XXXX and online shows I was XXXX short/negative on " running balance '' to this date running balance did not change, I called customer service about this overdraft fee and response is ( different amounts of ' account balances- after mortgage payment went through - I said " It's obvious here that you see on your screen- completely Different amounts from what I see online-and I asked to have fees waived- response from bank representative is " No we can not waive the fee_ I then asked ( why not ) response ' Because ( you ) have a history of over drafts '' I said because I filed complaints in the past ' she then Hangs up the phone. I have seen complaints from other TCF customers who also have stated " Seeing Different Amounts on customers online banking compared to Bank reps on the phone- I feel discriminated by bank teller " my history '' I have a Right to file complaints '' and here again- I have enclosed copies of my retail purchases along with TWO Notices of overdrafts another XX/XX/XXXX **By Comparing these Two Notices- Proof Stands Out -as Duplicates of XXXX and USPO charges with " Balances- BEING- Totally Different " Showing FRAUD Deceiving Misrepresentations/Abusive Conduct/Practices*** Most recent Court case against TCF in UNITED STATES DISTRICT COURT OF MINNESOTA CASE XXXX ( XXXX ) filed XX/XX/XXXX Judgment entered- *This is Substantially Same Facts /Same Conduct '' Continually Happening '' ( HERE is Proof- of Mishandlings- Intentional Acts ).
It's obvious that TCF Deceptive/Abusive/Manipulations of Dates Amounts Transactions Notices Are All IN TCF CONTROL- Regardless of " Following Court Orders '' To Prevent '' any REOCCURANCES of Same Issues-Plus I have OPT-OUT On Overdrafts Fees '' There are No Justifications for Overdraft Fees- my " online banking " shows '' Differently and Bank Teller on Phone `` States again different amount and the Notices are Completely Different * So what is " ACTUAL PROOF ''? Notices are DUPLICATED CHARGES FOR SAME ITEM ( INTENTIONAL ) and MANIPULATED by TCF/Bank - WHAT IS A CUSTOMER TO TRUST? Notices-Online Banking-My Transactions Print out online " Does Not even show a " DATE_TIME_OR THE TCF LOGO- Same as Deposits date- BUT-No TIME. XXXX receipts prints date AND time for electronic payments " bank card '' same USPO receipts
|
| 08/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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|
On XX/XX/XXXX, XXXX XXXX located in XXXX, MI repossessed my vehicle for owed payments to Gateway Lending & Finance for a XXXX XXXX XXXX. I attempted to contact Gateway One that same day but never was able to speak with an actual representative live. I finally got a hold of someone at Gateway XX/XX/XXXX. The person I spoke with directed me to the repossession collection agency XXXX XXXX to obtain my items from my vehicle as permitted by Michigan law. I contacted XXXX XXXX on XX/XX/XXXX XXXX XXXX and spoke with a person claiming to work off of appointments. Since the vehicle was repossessed from XXXX XXXX, MI to XXXX, MI there is at least a 30 minute drive for me to get my items back. I told the person I would have to contact XXXX XXXX back again after I arrange for a ride to pick my items up. I was under the impression that I would have time to actually go through the vehicle, the person at XXXX XXXX claimed it was a 30 minute appointment. I contacted XXXX XXXX on XX/XX/XXXX after arranging transportation at XXXX XXXX and leave a message. The person contacts me back at XXXX XXXX on XX/XX/XXXX. We agree to an appointment at XXXX XXXX on XX/XX/XXXX for me to be able to remove my items. I ended up being late for my appointment since my elderly, XXXX mother let me drive her car there but got lost on the way to pick me up. I contacted XXXX XXXX at XXXX XXXX on XX/XX/XXXX to confirm our appointment at XXXX XXXX, the person I spoke with stated ok. I contacted them again at XXXX XXXX on XX/XX/XXXX to let her know I was running late, there was no answer nor any answering machine when I called. I called again at XXXX XXXX on XX/XX/XXXX and left a message stating I was running late. Once I arrive at XXXX XXXX the person claimed our appointment was at XXXX XXXX very rudely instead of XXXX XXXX as if wanting some kind of argument despite our phone call confirming the latter time earlier on XX/XX/XXXX. The person claimed the paper I signed was to waive any fees associated with removing my items from my vehicle that may be imposed by XXXX XXXX. She then told me to stand outside of the office. Seconds later she threw a trash bag with holes in it and full of my items onto the ground but did not say another word to me. Once I was able to go through the items in detail in the trash bag I realized that there are at least 2 items missing that were in my inner console of my vehicle which belong to me. I contacted XXXX XXXX to notify them of the missing items at XXXX XXXX on XX/XX/XXXX and left a message. XXXX XXXX lied about our confirmed appointment time and stole at least 2 items from my vehicle. I have my cell phone call listings to show when I contacted XXXX XXXX to obtain my items from my vehicle as proof.
|
| 05/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I had a checking accout at TCF Bank in XXXX, AZ. When I initially opened the account I was given the option to have " overdraft protection '' which I declined not once but several times.
The reason why I declined the overdraft protection was in the recession in XXXX ' one of the banks that I had a checking account allowed me to overdraft my account via my debit card over 1000.00. I was under the impression that 1 ) the debit card would be denied, 2 ) with that amount of ovedraft how come no one called me. I ended up with several hundred dollars in overdraft fees and cost. This was the reason why I declined the overdraft.
I had the account for several years. I went on a trip to XXXX XXXX and knew that my account balance was low on my TCF debit card and still used it since as in the past when the debit went down to " XXXX '' no overdraft would be added. In XXXX I used the card and never was stopped from using it so quite naturally I figured I had funds in account since the card wasn't being denied.
I travel alot and sometimes when the balance was low I would place more funds in the account. On one occasion when I was back in AZ I went to the TCF bank in XXXX where I was told that my account was closed for lack of funds and saw then that I owed again several hundred dollars in overdraft fees.
When I contacted TCF bank in MN the lady told me that at the time I opened the account that I had requested the overdraft which naturally I declined which was a lie, and then the lady said that later on I asked for the overdraft protection which of course I denied.
I asked for documentation such as a copy of my bank application when I opened up the account and also for any other request from me to have the " overdraft '' protection which naturally I haven't received.
If you go over the history of my account you will see that for three years there were not overdrafts and then on this " XXXX '' all XXXX broke loose. I contact the Department of Consurer Affairs and the Attorney General in AZ and was told to contact the Department of Financial Institutions. I have volumes of letters from TCF Bank and the State agences that I requested help.
TCF then went to a collection agency which of course has " Killed '' my credit and I don't deserve this false action. Because of this credit negative report on my credit report I now have to pay higher auto insurance and have declined to rent homes because of my negative credit report. I don't buy anything on credit mostly cash. So I did not have that much actions on my credit report in the first place. I will be more than happy to send you a complete file of the geneology of my letters and frustration with TCF Bank.
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I am currently in the stages of disputing 2 ATM transactions- third party ATM. The 1at incident the ATM machine went into collaboration a phase and no monies dispensed i waited and tried it again I received my money. Yet my account showed 2 withdrawals when in actuality I only received money from one transaction. I called TCFs customer service number and was told the transaction should fall of as it is in pending status. The transaction did not fall of and I called back opened a dispute. I received a provisional credit a few days later and a letter from TCF about a week after they which stated TCF is investigating this dispute and you will hear from us by XX/XX/XXXX. A few weeks after opening the dispute I had the same issue. I called TCF and this time even while the transaction was in Pending status the representative opened a dispute. FIRST fact 2 identical issues 2 different processes.
On XX/XX/XXXX I called for an update on my 2nd dispute. I have not received any communication nor have I received a credit. I am not rich and depend on my money to survive. On XX/XX/XXXX around XXXX central I spoke to a representative in the customer service department who called the dispute team and told me on a recorded line ( TCF pulled the actual call and confirmed their own representative said that ) you will receive your provisional credit today and if you do not call us back. I have not received the credit and called at around XXXX central time and was told that I will not be receiving anything and the prior representative provided me inaccurate information. Not one team lead would escalate not one had any compassion nor any remorse for the actions of their own wrong doing. I could not find a corporate phone number or a corporate email for an escalation / office of the president. Please tell me which honorable, customer based, loyal, company would not provide this information to the public or have it listed on the web?
What made me write this review is that today the initial provisional credit has been deducted making my account negative that exact amount. I called the customer service number and was informed that a letter was mailed on XX/XX/XXXX but wait I was on the phone with several representatives XX/XX/XXXX no one advised me of any such finding. Letter from TCF dated XX/XX/XXXX, envelope stamped XX/XX/XXXX, and received at the USPS XX/XX/XXXX. I have the proof in my hands.
I forewarn other hardworking individuals to avoid TCF at all costs- this is not a legit financial institution. This bank discriminates against customers and has no skills to work with the public or be trusted with money. You have been warned- watch out!
|
| 11/14/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.
|
| 04/21/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank.
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX.
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
|
| 07/10/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
I have/had a Home Equity line from Chemical Bank loan number XXXX. I received my Statement from Chemical Bank for XXXX and it showed the total balance due. The loan is current. I called the number on the Statement on XX/XX/XXXX and was told that a letter was sent to me in XXXX informing me that they were closing the loan in XXXX and I should seek alternate financing. I called a mortgage broker I know and he ran a credit report. I had some late payments on my primary mortgage and he told me that until I make 12 consecutive on-time payments no other bank would consider refinancing.
So I called Chemical Bank back and they referred me to the loan department. I was informed that had I called earlier they could have done something but the loan is closed. I explained that had I gotten their letter I would have contacted them immediately. Furthermore, there was nothing indicating timeout on my monthly statements, no one called me and I did not receive a registered or certified notice. They told me there was nothing they could do and referred me to collections. I called collections and spoke to XXXX XXXX Option 1. XXXX checked to see if there were any options. She called the next day and told me there were none. I could refinance or sell my house. I explained why I couldn't refinance. I told her I am perfectly capable of paying principal and interest for a year until I was eligible to refinance. She told me I couldn't do that and I should sell my house. I said I am a senior citizen recovering from XXXX, on XXXX, and you want me to sell my house because you sent a letter and I didn't get it? She said how could you not have gotten the letter?
I said I have spoken to three departments, none of which can help me, and I obviously need to speak to someone higher up in the bank. She tried to get her supervisor on the phone but he was not available. She asked if I wanted to file a complaint and I said yes. She told me someone would call me back. It is XX/XX/XXXX and no one has.
I called collections back the following day, spoke to XXXX and asked for a copy of the letter they claim they sent back in XXXX. I still have not received it.
I am concerned that they will put my loan in default, ruin my credit, and ensure that I can't refinance, which is what I need to do to solve the problem. I could understand if I wasn't current on my payments, or couldn't pay principal and interest but I am current and offered to pay principal and interest. I can't believe all this grief because I didn't receive a snail mail letter. And finally I am concerned they could foreclose on my house.
|
| 09/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I am filing an grievance regarding funds that where stolen from my account. On XX/XX/2018 I have left USA and went to XXXX ( please see attached ticket ) and I came back on XX/XX/2018. Because I have 3 cellphones I took two with me to XXXX thinking that one XXXXXXXX XXXX was left at home. I was not aware that I have lost my phone and because I was thinking that my phone was in my home in Michigan. Upon my return to the US I did not look for my phone or logged in my bank account right away, I was able to use my debit card without any issue. All of sudden I have noticed that my account was negative and upon logging in Ive found out that I was a victim of a fraud and Ive contacted TCF Bank and started dispute. TCF representative told me that possibly someone made copy of my debit card and was using it. Before my next trip to XXXX Ive found out that my cellphone is stolen and Ive filled claim with XXXX and new phone was sent to me as replacement.
I had TCF Debit card connected to the XXXX XXXX on my old phone ( one that is stolen ) and I had XXXX MasterCard connected to that phone too. My MasterCard was used without any approval and I have filled fraud claim with them and they told me that my MasterCard was used on that stolen phone and I assume that same thing happened with TCF Debit card.
Because I did not authorized charges for almost {$10000.00} and when those charges happened I was out of country and I could not make those purchases please refund me my founds under fraud guarantee.
Please look at claim number XXXX and in that claim you can find proof of claim with XXXX and Police report with XXXX XXXX PD, also I am sending you my ticket showing that during that time when fraudulent charges happened I was in XXXX. You can also see that during that time I was using my Debit Card in XXXX and that way I was not able to use it in USA.
I had filled two fraud cases number XXXX and number XXXX but bank did not give me my money back or provided explanation why my founds are not given back to me. Also TCF National Bank and/or VISA did not provide me with any proof how I could authorize those purchases when at that time I was 5000 miles away in XXXX.
Since I am again in XXXX thank you for accepting this Appeal over the email. If you need to contact me you can do it by calling XXXX or by email.
Please give me my founds back as soon as possible because I can not m are payments to my bills in USA and my credit score is being hurt!
I am giving this statement under penalty of perjury and if any not this information is not correct I am ready to be criminal charged!
|
| 12/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I deposited a check, via mobile deposit, for {$120.00}. The deposit was accepted, no issues. The amount was later posted successfully to the account. I retained the check for two months before shredding. The TCF Digital Banking Agreement states that you must retain the check for either thirty days ( which I did ) OR until the funds post to your account ( which I did ). I met both criteria.
Three months after the deposit date I received a letter in the mail from TCF, stating that there was an issue with the check image and therefore the {$120.00} had been removed from the account. This was the first and only communication from TCF regarding this issue. I have called TCF multiple times and visited a branch in-person multiple times, and no one has resolved this. I had a TCF branch employee submit a formal complaint via TCF 's internal system, and was told that TCF would be required to call me regarding the complaint. TCF never called. The only " solution '' that TCF proposes, is to " redeposit the check. '' As I no longer have the check to redeposit, my not-for-profit volunteer organization is simply out the {$120.00}.
As outlined above, I followed the TCF Digital Banking Agreement regarding how long to retain the check. TCF is in violation of their own Agreement, and accordingly this incident is properly characterized as theft.
-- -- Separate Incident/Complaint -- -- I received a new debit card in the mail from TCF, at my home address. However, the debit card was issued to a different person ( " XXXX '' ). XXXX was the previous treasurer of said not-for-profit volunteer, and I am the current treasurer. Over two years ago, XXXX, myself, and the club 's president went in-person to TCF bank ( the XXXX, WI location ), filled out the necessary paperwork to have XXXX removed from the two TCF bank accounts, and were told by the TCF banker that XXXX would be properly removed. When I brought in the newly-issued debit card to a TCF location, I was informed that XXXX was still on both of the club accounts. I was also read a list, by the banker, of people on the TCF accounts : myself ( XXXX ), XXXX, and XXXX.
On XX/XX/2019 I was told by a different TCF banker that one of the accounts had yet ANOTHER person listed as an authorized user : XXXX. Again, we were not aware until that moment, that TWO individuals were improperly listed as authorized users. It is completely unacceptable to have a bank unreliably remove users from accounts. What happened to the paperwork we filled out and submitted? What employee failed to do their job? What process went wrong?
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| 03/16/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened up a personal checking account with TCF Bank online on XX/XX/2017. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check.
On XX/XX/2017 TCF Bank said via email that my account was opened, I received nothing.
On XX/XX/2017 they told me via email that my debit card was in the mail.
I received this debit card on XX/XX/2017, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX, but instead is XXXX! Who is that? I have no idea.
On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could.
I went into the TCF Bank located at : XXXX, XXXX, MI XXXX on this same date, which again was XX/XX/2017.
I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name!
So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days.
Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on XX/XX/2017, she calls the local bank in XXXX, MI.
The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots?
The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently XX/XX/2017 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX.
This is direct deposit from Social Security. This is a lump sum for Social Security XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong.
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| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I am currently unemployed as of XXXX XXXX , XXXX , and am working very hard to find employment, in fact I have several job interviews lined up for next week. I am a single mother of XXXX children, XXXX with XXXX XXXX and we live in the lower of my duplex so that I have help with the mortgage payments. I have my first mortgage wit h TCF Bank as well as a line of credit and 2nd mortgage. I have been working with the loss mitigation team with TCF t o refinance my first mortgage since last XXXX as this mortgage had a balloon payment due in XXXX XXXX . I contacted a mortgage broker who put me in touch with a mortgage company, XXXX XXXX XXXX , specifically XXXX XXXX . XXXX XXXX has had previous experience dealing with TCF. At this time the automatic payments on my mortgages ceased, please note that previous to this point I NEVER missed a payment on any of the three mortgages for the years I had them. XXXX XXXX contacted everyone she could at TCF and found that no one would accept my payments on the mortgages to make them current so that I could qualify for a new mortgage with her company.. I have emails from XXXX XXXX as well as XXXX XXXX at TCF. XXXX XXXX was no longer able to help me at this point because she could never TCF to take my payments to make me current. As of XXXX I began again with working with TCF Loss Mitigation a nd XXXX XXXX . I sent all the information again including proof of payment in full of unpaid property taxes. I didnt hear from them at all until I received a call at the end of XXXX . They were going to work with me until I told them I had lost my job. Also, at this time is when I was informed that I had never reaffirmed the first mortgage after my bankruptcy in XXXX . I contacted the law firm that did my bankruptcy, XXXX XXXX XXXX , and they said they never received the reaffirmation paperwork from TCF. The attorney said that he would contact their attorney but hasnt heard from TCF. Why had t hey been accepting my monthly payments if I had not reaffirmed the original loan. At this time, the beginning of XXXX , I contacted XXXX . I turned in all the paperwork and sent the paperwork to TCF. XXXX XXXX from TCF loss mitigation admitted to receiving all the paperwork XXXX and I sent to TCF. Now I have received a foreclosure summons dated XXXX XXXX , XXXX . This is dual tracking. I need to be able to either refinance through TCF or be able to find another mortgage company. I do not want to lose my house.
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| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Sunday night, XX/XX/XXXX, I tried to put a stop payment on my check, for {$500.00}, on the TCF App. It did not work. I got a system error message.
On XX/XX/XXXX, at XXXX XXXX, I talked to an agent, XXXX, and we discussed putting a stop payment on my {$500.00} check. She told me that the stop payment was complete, while I was on the phone. That was the end of our conversation. I believed and trusted her.
That day, my check for {$500.00} was cashed. After speaking with many agents, each agent told me something different.
One agent told me that it takes 24 hours for the stop payment to be completed. One agent told me that they could not refund my {$500.00}, because they didnt have it. Another agent told me it was because the stop payment was not stopped in a timely manner. Another agent told me that it has to be initiated three days prior. A manager, then, told me that they do not put stop payments on checks. Therefore, my {$500.00} wouldnt be refunded.
I found a copy of the TCF corporate rules and read them, then found that they were old rules and not the current rules for the merger.
I did not know how to find the stop payment process in the Terms and Conditions online or anywhere else, as XXXX never told me. That information was sent to me, three weeks and two days, after my phone call with XXXX, from the corporate office, in a letter dated, XX/XX/XXXX, explaining the Terms and Conditions for the stop payment process that I could only read at that time.
Huntington Bank stated, in an email, dated XX/XX/XXXX, that the Welcome Package would arrive in the mail, introducing me to Huntington accounts and services, important transaction details and steps I need to take. I received the Welcome Package in the mail, XX/XX/XXXX, one month and twelve days after my phone conversation with XXXX. Therefore, I had no way of knowing about any stop payment process before the check was cashed.
Not only did XXXX make a mistake by telling me my stop payment was completed when it was not, she also failed to tell me anything about a stop payment process. Had XXXX explained any of this to me, I would not have attempted to put a stop payment on my check, as I would have realized I would lose my money. Instead, I would have immediately closed my account to keep my {$500.00}.
I received inaccurate and inconsistent information from all of the agents that I talked to, including Corporate. They are backing up their negligent agent and took my {$500.00}. I have no recourse. I can not trust Huntington Bank.
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| 04/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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TCF bank has refused to process or honor dispute requests. I have had several hundreds of dollars loss in a game through XXXX play that loss all my game investment data so I was left with a dispute request after XXXX and the developers failed to resolve the matter. TCF told me they would not dispute the matter because I used my debit card for purchases in which I did not receive and that I would have to handle the dispute directly with the merchant. TCF has also denied a dispute claim from XXXX XXXX in which I was not informed of all the fees associated with joining. The gym failed to honor the 30 day cancellation period I was quoted by on site management and the fees were continuously charged even after trying to cancel with the gym. TCF charged me so hundreds of dollars in fees for insufficient funds and stop payment fees. When I first opened my account I was with a representative that seemed new to the branch because she had to keep asking her manager about how to open my account and so forth. The bank rep was supposed to open my account so that if I did not have funds in the account to cover a transaction they would be reversed and cancelled or not able to go through. This was not the case the overdraft and stop payment fees were never explained to me or honored as when the account was opened and even going into conversations with customer service. I would also like to add that the account originally was mistakenly overdrawn for appx 250 dollars which I had no problem putting back in with some sort of arrangement but now having I believe two to three hundred dollars worth of bank fees is ridiculous. The corporate office has refused to address or respond to letters and phone calls. The bank has failed to honor my dispute right with my accounts also once claiming it was denied because I had tried to continue to resolve the matter after filing my dispute in which the case was that TCF did not initiate or resolve the matter. The dialogues was started prior to the dispute and continued on as the developers of that game ran me around for months trying to resolve the matter. The disputes that have gone unresolved as well as the hundreds of dollars of fees is why I am filing this complaint. I have consulted with counsel and if the bank still does not pose any interests in resolving this matter I will proceed accordingly. This is unlawful and unethical financial actions and behaviors that have caused me undue stress and financial burden ongoing.
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| 02/08/2018 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.
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| 05/29/2020 |
Yes |
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- Trouble during payment process
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Web |
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Our homeowners insurance policy is to be paid through our escrow account with TCF bank- our current mortgage company. We received notice at the end of XXXX that our insurance had not received payment of {$900.00}. A call was made in which my insurance agent spoke to a representative named XXXX who indicated that the check was sent XX/XX/XXXX to XXXX XXXX. It was never cashed ( or received by XXXX XXXX our insurance company ) so she was supposed to reissue the check and re send it to state auto. I verified with her the XXXX XXXX address and our policy number. We were told it would take 7 days.
By XX/XX/20 no check had been received. On XX/XX/20 I called and got disconnected twice that day and no one called me back. So I called on XX/XX/20 again and talked to a representative named XXXX. She said she would send the check to our local insurance broker so someone could sign for it to make sure we would receive it. No one could give me a confirmation # after the phone call except for XXXX, but no tracking number was provided.
On XX/XX/20 we had still not received a check. I called and spoke to a supervisor named XXXX who indicated he did not know why we hadn't received it, but would initiate the process for an overnight check and would call me back to provide me with a tracking number and confirmation number. He called me back to say he could not provide a tracking number but it would be available the next day.
I called again on XX/XX/20 to get a tracking or conformation number for the check and spoke to supervisor XXXX. She indicated that she started the process and would email me with a tracking and confirmation number by XX/XX/20.
On XX/XX/20 I had not received a tracking or confirmation number and called back. I spoke to a third supervisor. She indicated that the request had been closed because they received a refund for a previously written check. She said she could initiate the process again, but would be unable to provide the tracking number at that time.
Without prompt payment our homeowners insurance policy would be cancelled and without guarantee that a check was sent via tracking number, I was forced to pay our homeowners policy myself. I was informed on my phone call that our escrow account would not have an overage equivalent to the full XXXX and that I would need to provide a declaration of payment to them and make a request for a check in the amount of the overage ( less than I had to pay personally ).
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| 01/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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TCF Bank, is unjustly withholding, for me, legally and legitimately deposited funds totaling {$35000.00} : - officially, advised in the form of a letter, {$19000.00} - unofficially/verbally, {$15000.00} On XX/XX/2020, I received 2 ACH deposits in the amounts of {$4200.00} and {$15000.00}. These funds come to my TCF personal account, as they have for almost 2 years, from my XXXX ( credit card merchant ) account.
I went into the branch to wire the available funds to my investment brokerage account. After an hour of them fumbling around, they got everything processed. 2 hours later I get a phone call from the branch saying the wire department did not complete the wire, because the available funds were made unavailable due to a hold.
When I began to probe about the " hold '', I was told that the incoming ACH indicated the name of XXXX XXXX XXXX XXXX XXXX XXXX '' and because the name on my account is " XXXX XXXX '', this deposit was deemed questionable because of a " name mismatch ''. Conceptually, I understand this. But logically, I do not, as this has been going on for years.
When I asked what's next, they said they needed to contact XXXX 's internal department and " verify the deposit ''. When I asked what does that mean, I never really received a straight answer. But what I gathered is that they wanted to make sure that this deposit wasn't fraudulent, nor a mistake, and that the deposit was intended for THIS account. Again, conceptually, I understand, but logically I do not because all they had to do was look at the last 6 months of records.
In the meantime, I contact XXXX and updated the name to reflect " XXXX XXXX '' from " XXXX XXXX XXXX XXXX XXXX '' XXXX is a online e-commerce based merchant. Everything they do is by email basically. TCF is asking for a callback or a letter and XXXX is telling me, " No, we don't do that. Provide them this 'Whitelist Code ' and they should be fine. '' TCF has threatened to hold $ XXXX of my money for up to 12 months. That's asinine, not to mention impractical. I can't make XXXX call TCF and I cant force TCF to take the documentation and proof that XXXX has given me. So I'm stuck in the middle of 2 stubborn institutions while my revenue is hanging in the balance and I'm missing income opportunities as well as the fact that I have 2 real estate deals that I'm closing on XX/XX/XXXX that will be delayed or possibly even lost if I don't have these funds I needed to wire.
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| 07/02/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.
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| 06/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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As of XX/XX/XXXX, my car loan with XXXX XXXX XXXX XXXX XXXX has been paid in full. I requested a copy of my title, from the XXXX XXXX XXXX XXXX XXXX Title Department, and although they have the correct address on file, and I have been receiving correspondence from them at the correct address for nearly 3 years, they have the incorrect address on file. When I asked them to update it in the system so that : ( 1 ) The title can go to the correct address.
( 2 ) You already have the correct information in your system, and have been sending correspondence to the correct address for nearly 3 years.
The customer service representative repeatedly made excuses, and tried to send me to other departments to resolve the address change issue. I had already reached out to XXXX XXXX XXXX 's customer service, multiple times over the course of days and all of the customer service representatives prompted me to reach out to the Title Department. The XXXX XXXX XXXX Title Department representative continued to be combative, argumentative, and rude and downright refused to make the change. When I also refused to continue to be sent to another department, she again changed her story and said the DMV would have to change the address, then she changed her story and said although the address on the title is incorrect, XXXX XXXX will indeed provide the title to the current address when it is sent out on XX/XX/XXXX. I asked her to provide that information in writing so I can notify my car insurance & attorney and she also refused. She then created yet ANOTHER story saying " The DMV will have to update it ''. Well the DMV has had the correct address on file for the past 2 1/2 years with no problem so why is it not reflecting on the title? She then placed me on hold claiming to have talked to her supervisor and " there is nothing they can do ''. If I did not pay for my loan, there would be something you can do? If I missed a payment, there is something you can do. Why not now that the loan is paid in full? I did my part. I paid my car loan in full, and all that I am asking is for them to update the address on file, just as I did nearly 3 years ago. With the XXXX XXXX Title Department 's office hours differing from that of customer service, and their refusal to do anything to help customers, it is certainly no surprise I am having to deal with this. It is unnecessary and a horrible display of customer care.
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| 12/07/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I reported my debit card stolen approx XXXX on XX/XX/2018 over the phone with a TCF customer support agent. Later that evening, I was contacted via automated phone call by TCF fraud protection services, asking for confirmation on purchases and ATM withdrawals that I did not make. There were charges for XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. As well as ATM transfers and withdrawals from both checking and savings accounts at two separate downtown ATMs. The following day I went into a branch location to figure out what happened. I was informed that the thief called and requested the card be re-activated ( pretending to be me ) and that the bank complied with this. It took going to a branch to file fraud reports four times throughout the week until everything was finally accounted for. Staff has been consistently in-comprehensive and the computer system has caused multiple problems, including ; the disappearance of the card in question, not being able to file a fraud claim until days after the offense, and obfuscating account notes. One claim has been refunded, but there are still five pending charge claims that have been rejected multiple times over the course of the last month on the basis that I " was aware that someone had access to my account/PIN and did not notify the bank in a timely manner to prevent the fraud '' I notified them before any fraud occurred, and then again nearly every day for weeks. The bank is at fault for re-opening the card, and my money should have been insured and reimbursed weeks ago. The investigation has not been transparent and they have made it exceedingly difficult to get straight answers or make any attempt at streamlining the process. The outstanding loss is {$2100.00} I have spoken with XXXX XXXX XXXX, Assistant Vice-President and branch manager, branch supervisors XXXX XXXX, and XXXX XXXX, multiple tellers and Customer service operators, Vice President and regional Manager XXXX XXXX, and most recently XXXX XXXX XXXX. I have filed each induvidual fraud claim, and filed appeals for each claim 3-4 times and provided a detailed narrative and financial breakdown of the offenses as well as filing a police report with the XXXX XXXX Precinct. Due to the egregious amount of time and effort to fix this problem on my own with no success, I have filed complaints with the XXXX, OCC, CFPB, Federal Reserve, and At tourney General of Minnesota.
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| 10/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2019 several automated withdrawals were taken from an unauthorized company in XXXX, XXXX. from my checking account. As well as a second company called XXXX.
XXXX amount was {$1900.00}. XXXX had 4 transactions totaling {$36.00}. All transactions were still pending when I discovered them and immediately went to the bank to file a fraud dispute and to the police department to file a police report.
Dispute numbers with TCF Bank : XXXX XXXX XXXX Michigan police department case reference number XXXX The bank did not flag my account or these two companies for further fraudulent activity and advised me against closing the account as I still had a handful of outstanding checks to be cleared and they said they would not reversed fees or honor payment through a secondary savings account. I was also told this dispute would be resolved within 3 to 5 business days.
On Friday XX/XX/XXXX, I received two letters from the bank asking for more information. Really the letters just asked for the same information I had already filed and needed to be returned to their dispute center. I immediately responded via email with both documents and screenshots of the account activity.
I also returned to my local bank to close both of my savings accounts as well as the checking account in question and was told again not to completely close out the checking account until the dispute was closed or they would not be able to refund my money.
On Monday XX/XX/XXXX another attempt from XXXX to withdraw {$1500.00} was made. The bank had not flagged this or the company and luckily I found it while still in pending status. after 30 minutes on the phone trying to get to a supervisor at TCF Bank headquarters I was able to have those charges reversed and my account frozen.
I've now been told that this dispute will still be worked on for up to another 5 business days before they will then send me a letter with their determination VIA u.s. mail and that latter will let me know how long it will take for them to refund my money.
As a 25-year customer of TCF Bank, I am appalled that there has been no attempt at assisting me in alleviating further fraudulent activity but I have instead been treated as the guilty party and threatened with late fees and charges due to this illegal activity. I have also been refused access to talk with anyone in their fraud department on numerous occasions.
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| 11/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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This complaint is against gateway One Lending and Finance. I am submitting this complaint because I have been trying to work with this company for quite some time. To make matters short, they have been very troublesome to work with.
In the end I had an agreement with an individual named XXXX XXXX who stated that if I paid off the remainder of a balance that was owed for a vehicle loan I had with them then they would report it on my credit report as paid in full and they would release the pink slip. Besides the fact that I still disagree that i owed money as I made more than 5 years worth of payments on a 5 year loan, I still paid them to get them off my back and get the pink slip.
I check my credit report and the account is not showing up as paid. Furthermore, an individual named XXXX XXXX was treating us disrespectfully. he stated that the pink slip was never sent because they did not have my address on file. I do n't see how they didn ; t have my address since the settlement letter that was given to me had my address on it .... I will forward it to you. Then, when I presented that fact to him, he kept talking over my husband and made some pitiful excuse as to why the pink slip was n't sent and why the address was on the letter and not in their system. I feel like I was lied to in order to get me to pay them. That is coercion. Unfortunately for them I am familiar with the law. XXXX Fair Debt Collection Practices Act states that no one engaged in collection activities which includes original creditors can lie to you in order to collect a debt. If they do not deliver what was promised I will sue them.
That was n't the end of it. He also started insulting us by stating that the account had n't been paid and that our concern seemed petty to him. it is not his place to question his companies policies. It is also not his place to try and belittle us, which he did. They should not treat customers especially ones who paid them this way. He even seemed arrogant when my husband told him he would be filing a complaint against him and said that his manager was unavailable when we asked for him. How convenient.
Again his name is XXXX XXXX and this complaint is as much against him as it is against Gateway One Financing. Please assist me in getting them to do what was promised before I have to sue. They are now holding me hostage with the XXXX.
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| 04/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.
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| 07/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.
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| 11/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file.
I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well.
I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated!
I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.
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| 07/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American, Servicemember |
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All dates, amounts, and actions are included in the attached documents.
I received a phone call from a person claiming to be from XXXX. I was told there was an issue with my computer and before I knew it, this person took control of my computer. At no time did I give this person any of my banking information, the name of my bank, my account number or any of my login IDs or passwords. I suspected this may be a scam and terminated the call. I contacted XXXX directly and was informed that they did not contact me. At this time, I realized it was a scam and contacted TCF Bank right away.
Unfortunately, TCF did not secure my accounts by restricting access or suspend my on-line banking access. These steps would have prevented the fraudulent withdrawals, including fulfilling a fraudulent XXXX XXXX request for {$2000.00} and processing an electronic check for {$8400.00}. Both withdrawals were sent to the same person. Both withdrawals were completely irregular for my account. I have written about 3 checks in the last 6 months. The scammers check looked nothing like mine.
TCF failed to contact me as to the suspicious transactions and failed to close the account upon my request. On the phone call, TCF told me that no strange activity had occurred on my account and that I should not worry. {$10000.00} later, TCF takes
no responsibility for the loss. They went back to listen to the notes of my phone call and there were none.
To this date, five months later, we have submitted everything TCF has asked for. We have filed a police report. Over those five months, we have called TCF numerous times and get some
one different who needs to catch up on the activity. A typical call is a half-hour to an hour on hold to only be told to call back in a few days. One customer service representative recognized that the case had gone on too long and opened an expedited case. Two days later, the expedited case was officially closed and the non-responsiveness continued.
I am XXXX and on social security. My husband is a XXXX veteran with XXXX XXXX XXXX XXXX XXXX XXXX. We have a limited income and need this money. We need TCF to be accountable now since they were not when I contacted them before the money was taken. I realize that fraud is a prominent issue in recent times, but this one could have been avoided had TCF closed my account when asked.
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| 05/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated XX/XX/XXXX . Signed by XXXX XXXX XXXX and Forgery Investigator, TCF National Bank. A little over a year ago, on XX/XX/XXXX , I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on two c hecks. A report was filed with the XXXX Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut XX/XX/XXXX , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day, XX/XX/XXXX , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.
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| 10/07/2020 |
Yes |
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Web |
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Today marks day 84 since the offer we put for the house was accepted and was sent to the bank to be processed. Since then, we had signed five extensions for the closure. Last month I was told at the beginning of the month that we were supposed to close in XXXX, and I was assured that it was not going to go into XXXX. Everything that has been requested, we have provided in a timely manner. We have been patient and understanding during these unpresidential times the nation is going through.
After consulting with other professionals in the field, I have been notified that there have been some discrepancies in the process. Additional documentation has been requested from our part that is not asked to provide from a traditional consumer. For instance, having to contact the IRS, place a Fraud Alert, and request the 2017 tax return. ( The standard documentation that is asked for is from the past 2 years ). The explanation for this request of the tax return given was to make sure we havent bought a house in the past three years, even though that information can be obtained from the credit report.
I was advised by the lender that all information requested was verified for accuracy and missing information. Once all information is collected then it is submitted to the underwriters. So, it led me to believe that the information was not verified to make sure it was accurate which has caused delays and constant requests for additional information from the underwriters. Or the possibility of prejudice from the underwriters ' part, consequently requesting redundant documentation.
My realtor and the broker had contact the lenders ' corporation and the supervisors of the lender, and after 3 weeks we are still been told we " we are waiting for the clear to close at any time '' every single time we asked for an update.
Due to the delays we have been forced to pay {$900.00} in additional spences. Because of the delays we have reach a point were the seller will not accept another extension and we may loose the house. The lender seem not to be concerned with that. After leaving several message and sent emails advising of this, the lender has not contacted me to provide update.
All the information mentioned leads us to conclude there is a possible bias from lenders end or the underwriters.
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| 09/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment.
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX.
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal.
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX.
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.
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| 03/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?
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| 02/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible
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| 04/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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All correspondence is saved emails, vmail, and texts which can be uploaded when requested.
XX/XX/2021, TCF rep offered competitive terms. I asked to lock rate. We discontinued working with two other home mortgage lenders whose terms were close, but not as good.
XX/XX/2021, my wife and I signed rate lock form, and uploaded all supporting materials required.
XX/XX/2021, TCF retroactively unchecked the rate lock box on the DocuSign document, lost supporting documents, and repeatedly asked us to resubmit, which we did.
XX/XX/2021, TCF filed an exemption on our behalf to retrieve their prior terms.
XX/XX/2021, TCF approved exemption, but at a higher rate with altered/worse terms.
XX/XX/2021, we relented to the new agreement, signed the DocuSign to finalize loan approval, pending appraisal alone.
XX/XX/2021, we resent appraisal billing information for approval because TCF lost it again.
XX/XX/2021, I called and verbally submitted appraisal billing information again, because TCF lost it a third time.
XX/XX/2021, payment ran.
XX/XX/2021-XX/XX/2021, fraudulent transactions occurred on same card ( the card was never previously compromised ).
XX/XX/2021, appraisal completed.
XX/XX/2021, appraisal finalized and submitted.
XX/XX/2021, we received appraisal, and it landed in excess of loan requirements.
XX/XX/2021, XXXX, TCF rep emailed us a communication stating that underwriters have changed our agreement, and added after-the-fact requirements, asking for additional redundant documentation along with a hand-written, signed, and dated letter of need.
XX/XX/2021, XXXX, we completed their new list of demands.
XX/XX/2021, TCF rep will not respond to call, email, text.
To date, no explanation or apologies have been offered by any TCF representatives. No offer for the opportunity cost and time-cost damages have been offered or mentioned. No timelines or estimates on closing dates have been communicated. Obviously, we have no assurance that our sensitive information has been kept secure, no evidence that TCF honors their good faith contracts, and no clear communication whatsoever. The expiration date for the second rate lock DocuSign is approaching in about two weeks.
What is our recourse?
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| 05/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Beginning in XX/XX/XXXX, I received our escrow analysis sent to me by our mortgage company TCF. Seeing two months with a reported {$0.00} paid into our escrow account, I called and explained that was an error and asked for a new report to be run.
A few months later, I had not heard back and called in and chatted with XXXX. He sent me my payment history which shows I did in fact pay my escrow. He said he would look into it and get back to me.
Two weeks later and no return call, I called again and talked to XXXX. She repeated what XXXX had said. I received a call back from her on XXXX but when I called back I was unable to be connected to her or XXXX. I talked to XXXX at XXXX XXXX who gave me a new number to call XXXX. I left a message at that number for a Mr XXXX. I have never heard back from him.
I sent a certified letter as my Notice of Error ( attached below as TCF Bank ). It was delivered on XXXX at XXXX XXXX. I have not heard back from anyone in response to the letter.
on XXXX I was fortunate to talk to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they agreed there were zeros for those months on our escrow statement but there was a payment made. I was given an ID # of XXXX and was told this would be labeled a high priority. To date ( XX/XX/XXXX ) I have not heard back We have been making extra payments to our account in good faith but I do not want to continue to do so. We do not believe there is an escrow shortage. The months of XX/XX/XXXX and XX/XX/XXXX did in fact have payments sent by us for our escrow account. I can not explain why the escrow department did not credit us those amounts. As an added unexplained item, in XX/XX/XXXX there is an unapplied {$800.00} on our account that can not be explained. We did not send in any additional payments and according to many TCF employees, there is not a check or explanation as to where it came from.
Until XX/XX/XXXX ; we were sending in paper checks for our mortgage.However, TCF does agree we sent them in. How those monies are not showing up in our escrow account I can not explain. I have no idea if this has any bearing on the the disputed escrow amounts. We are now paying electronically and hopefully this will not happen again.
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| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.
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| 01/30/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/2021, we received notification by letter from TCF Bank, dated XX/XX/2021, that a temporary freeze had been placed on our existing HELOC line of credit, allegedly for the following reason : " The value of your dwelling has declined significantly below its appraised value. '' This determination and decision is alleged to have arisen due to the bank obtaining an " AVM '' of our home 's estimated value.
We have made multiple good faith inquiries, beginning XX/XX/2021, and continuing, including requests to provide the underlying documentation for this decision, as well as our request to immediately reinstate our line of credit. We included in these contact submissions of estimations of our home 's value from public independent third-party vendors, which serve to refute TCF 's claims. Their allegation of decreased value is simply not supported by the facts available to us. Any facts in their possession, if any, are inexplicably being withheld - perhaps unlawfully.
Our account has been in good standing since inception of our loan with TCF Bank, and continuing. We did receive a response from XXXX XXXX, AVP, Underwriting Manager on XX/XX/2021. However, his request for additional irrelevant documentation concerning our senior mortgage principal balance and reference to an alleged ongoing " investigation '' is illogical, intrusive and confusing, entirely missing the point of TCF 's assertion that our home value allegedly decreased significantly, which is the only subject at issue in this matter. We have significant concerns with respect to TCF 's apparent unethical business practices.
It is our position that TCF is not acting in accordance with the principles of good faith and fair dealing, as required by virtue of our loan agreement with them. Further, we are of the opinion that both their determination and decision are incorrect and unsupported by the facts. The manner in which TCF is negligently or intentionally handling this entire matter from its decision to suspend our line of credit to its complete lack of meaningful response to our valid concerns and well-founded objections leads us to a reasonable conclusion that their actions are both arbitrary and capricious.
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| 12/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms.
The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior.
I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.
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| 08/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought.
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX.
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now.
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought.
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication.
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan.
Very disappointed and unhappy consumer
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| 08/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/2020, following a merger with Chemical Bank, TCF Bank updated mortgage loan information for customers including new loan numbers and the need to reestablish online profiles. XXXX A letter from TCF Bank to customers dated XX/XX/2020 was ambiguous & contradictory about the steps customers were to take next : noting both " if you have authorized automatic direct payments from a savings or checking account from TCF bank or another bank, there is no need to do anything. We will continue to process your payments without interruption ; '' as well as " Any payments you previously scheduled to be paid on or after XX/XX/XXXX will no longer be paid. You need to reschedule the payments after enrolling in the new service. '' To confirm, despite the contradictory information provided by TCF, all customers with recurring/automatic payments were required to reenroll. // Upon reenrolling, customers have two payment schedule options : pay the statement/invoice amount on pay date ( TCF does not offer another date option ) or pay a fixed amount at a fixed interval. After enrolling to pay the invoice amount on each due date and having the subsequent automatic payment fail, I contacted TCF customer service on XX/XX/2020 to determine the cause of the issue. // After a 1 hour 40 minute hold time, I was informed by TCF that their automatic payment functionality did not support invoice amount payments and that the relevant section of the website was not functional. When asked if XXXX had plans to make this clear to their customers, they made no such disclosures available. // When asked how TCF planned to rectify late charges for customers who thought their payments would be made on time due to automatic payment enrollment, TCF noted that customers had an 11 day grace period to rectify their issue on their own but that the failed automatic payments were not TCFs responsibility. // Finally, when questioned about why TCF statements do not reference the 11 day grace period, the customer service representative responded that TCF intentionally omitted those details, " because otherwise people won't pay their mortgages on time. ''
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| 08/28/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American |
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We took out an equity line of credit with TCF bank in XX/XX/2020. The terms were to pay off an IRS lien and a check was issued for {$57000.00} to our home made out to the IRS to pay off this lien. We received via overnight mail as promised and had an appointment the next day to meet with the IRS as planned. When we arrived at the IRS, the building had closed due to COVID-19. After months of waiting to see if they would re-open we called and the IRS said we would either need to send in the check or pay online. The amount had changed on the lien and was now lower in the collections department. So we contacted TCF bank XX/XX/2020 and asked what our options were to try to move forward. The customer service rep said he spoke to a supervisor that said we should sign the check and write not for purposes intended and overnight back to them. It would take them 3-5 days to reconcile the account and then we could use the card we were issued to pay online. On XX/XX/XXXX we sent via USPS overnight mail and I called on XX/XX/XXXX and confirmed they had received. From that first contact I have been told something different every time I call. I have been told they don't have my check, my check is lost and to be patient. The last conversation has now been over two weeks ago when they said the only resolution they had was to re issue the check back to me again made out to the IRS for the same amount. I agreed to this and they said to allow up to a week for it to be issued and mailed to me. At this point I can't reach anyone and have been on hold for hours. This company merged with another bank and I was not issued any information about an updated loan number or how to pay on my loan. So now, when I call they tell me I should have received a new account and they cant talk to me. Currently I am making payments and have not paid the IRS and have not received my check back. This bank is completely incompetent. I tried on several occasions to escalate this to a supervisor but that seems impossible also. I feel they have absconded with my money. The customer service is the worst I have ever experienced.
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| 10/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I initially filed a complaint with consumerfinance.govXXXX and following this TCF/Chemical Bank did close my loan on XX/XX/XXXX, but did not refund the overpayment or reach out to me with any type of communication. I sent a follow up email to customer service at TCF Bank : '' I am writing to bring your attention to an outstanding credit on this account that is still due. This property was sold on XX/XX/2020 and the payoff check was cashed by TCF bank on XX/XX/2020.
I have reached out to TCF customer service multiple times and although no formal response was ever provided, the loan was finally closed with posting of at least a portion of the payoff check on XX/XX/2020.
After the loan was closed, my TCF account shows a reversal of the previous mortgage payment + extra principal payment from XX/XX/2020, however, to date this reversal has not been credited to my bank account.
As the attached ledger of my account and posted ledger of both my TCF account and bank account clearly show, TCF Bank still owes me {$1400.00} Im not sure if it is still possible to credit the {$700.00} to my XXXX account but as it has been over a month since the sale of the property and over 10 days since TCF Bank closed my loan, I am asking for your immediate attention to this matter. Please send a check for the outstanding balance {$1400.00}. If I dont receive clear evidence that the credit due has been sent to me by XX/XX/2020, I will follow up with a new complaint to the Consumer Financial Protection Bureau. Thank you in advance for your immediate attention to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Cell : XXXX '' I also attached both my TCF loan status and my own checking account status showing that my last payment had not been credited back as indicated on the TCF status. It has been a long time since I paid off this loan and at this point I am asking for your help in reaching out to TCF/Chemical bank to immediately send me a refund for {$1400.00}, the amount I have overpayed to close this loan. Thank you in advance for your help.
XXXX XXXX
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| 01/24/2020 |
No |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I deposited an escrow refund check from XXXX XXXX XXXX XXXX into my TCF checking account.
The teller deposited my check, I withdrew {$300.00} from the {$2000.00} total and left the bank.
Within an hour, my bank account dropped to - {$810.00}. I called the bank asking for an update about what could possibly be going on with the funds? They said that there was a " double hold '' on the account and that by the next day the remaining funds should clear as my available balance was {$1700.00}.
Later in the evening, my account we down to - {$2100.00}. ( More than what was even deposited. ) My account was then frozen for the week. I was sent 3 different pieces of mail. One piece said that my account had been overdrawn by $ XXXX and that I would be facing overdraft fees.
The next piece of mail said that the bank has placed a hold on the deposit because " it had confidential information saying that the check would not be cleared for deposit. '' But, that the funds would be available on XX/XX/2020.
The last piece of mail was a " stop payment '' slip from TCF in the amount of {$2000.00}.
I went to XXXX XXXX XXXX XXXX and asked them if they stopped payment on the check. They did not. I did not stop payment on my check and TCF claims they did not stop payment, but to go back to the issue to ask. I did. They didn't stop it.
I received a bank statement showing that {$2000.00} went into my account and {$2000.00} went out of my account.
My account isn't shut down. I haven't been flagged for fraud. No one reported the check as fraudulent.
I have had to go into TCF every month for at least 6 months to complain about overdrafts/unauthorized charges/miscalculations/money being deposited but taken out of my account for services I already canceled, etc.
Everytime, I received a placated answer from bank employees that literally turned my issues with the bank around on me ; ultimately making it look and sound like I just couldn't manage my finances or add correctly.
I'm done, TCF. Where did the funds from my deposited check go?
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| 07/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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This again is another problem with TCF Banking on my checking account- I have recently submitted practically- same problem and issues few month ago ).
Being charged Overdraft fees on XX/XX/2018 {$37.00} for XXXX XXXX when online banking shows nothing negative see pg 3of16 printout with Running Balance yet I am being charged overdraft fee, And Again on XX/XX/2018 Twice overdraft fee $ XXXX I made purchases in XXXX and checked balance ( my log in tells when electronically permanent record - I did a transfer into my checking account on XX/XX/2018 from my computer which credit my account $ XXXX TCF states that " Before XXXX to credit/adjust account is the " Cut off time '' ... this did Not happen. I printed my banking info from a library The print out shows my Account username on bottom of page! '' This is Private/Confidential Information '' and a persons Username " Should Never be Printed ''! This is Careless/wreck less- exposure of my Private information that's not being securely contained. I made a Cash deposit on XX/XX/2018 the receipt shows XXXX I asked Teller why does this show XX/XX/2018 when today is XX/XX/2018? her response is that's when it will credit your account- So why is it that when a Cash deposit doesn't get immediate credit and why when I deposit into account receipt does not show " TIME DATE Current- Stamp? Wrongfully stating account transactions-Different dates varies when transactions Actually Occurred-Fraudulently charging overdrafts to Purposely Causing '' a Dominos Affect on banking account adding more fees- what is online showing account activities is not Corresponding with what TCF " so called states '' TCF should be paying me Harm and Distress of exploding my Private confidential information not securing and to show me verify the Times that Transactions Transpire BETTER REGULATIONS and PREVENTIONS ARE GREATLY NEEDED HERE.TCF IS CHARGING OVER DRAFT FEES WHEN : TRANSACTIONS SHOW RUNNING BALANCE NOT NEGATIVE BALANCE AND THEN CHARGING OVERDRAFT FEES BEFORE CUT OFF TIME MAKING ANY OTHER TRANSACTION BE NEGATIVE.
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| 02/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine.
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation.
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota.
I began to get alerts of a NEW device accessing my online banking..
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card.
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus.
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov
|
| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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|
Web |
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On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work.
I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge.
At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done.
I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent.
TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made.
3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred.
I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.
|
| 11/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains.
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account.
Acct -- -- -Dates XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.
|
| 10/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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My son, had a loan with XXXX XXXX XXXX XXXX, I am a co-signer. I was making payments on this account. My son, filed bankruptcy, and this company was made aware of the process, however, they did not show up and no one was there to represent this company during the process. I continue, to make payments. They added more money onto the account after the bankruptcy, I filed a complaint informing them that they were overcharging, why is there more fees, being added to this account for the car, the representative, reviewed the account and agreed, that there are extra fees, and stated that she needed to send the account for review. There are fees that should have been written off because of the bankruptcy, was added instead of being subtracted. In XXXX of 2018, we received an letter stating that there was a balance of XXXX still owed, on the car after the review.
I contacted XXXX, and the representative, confirmed in order to closed the account, I needed to pay XXXX dollars. I paid the amount and was informed that the account was paid in full, and someone will contact me as to where the title should be mailed. After three weeks, I didn't hear from anyone I contacted them inquiring as to the process of receiving the title for the car.
I was informed that I should allow another week. In XXXX, they reported on the credit report that this account was closed, then I received an late on the credit from this same company, I immediately, contacted this company in XXXX, 2018, I was informed that there was a balance left on the account.
I explained that I called and also received a letter stating what was needed to pay this account off, I called and paid that amount. They also, reported on the credit this month another late, and the account is still showing closed on the credit.
I still have not received the title. Every time I call, I am now getting the run around with this company. but the are placing a negative impact on my credit and my son 's credit. Yet, the car loan is still reported as closed.
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020 I deposited {$1000.00} check from my wifes checking account from another bank.
Normally when I do this, {$100.00} is available immediately, and the other {$900.00} is available the next day.
The next day, all {$1000.00} was showing as credit, and my mortgage payment showed as paid with a remaining balance of {$33.00}.
All seemed fine, then at XXXX I tried to use my debit card and it was declined.
I logged into my online bank and see that my balance is - {$860.00}.
The bank is closed, so I have to deal with it the next day.
The first thing I do is call the XXXX # because the branch isnt open yet. They say there was a hold on the check because my wifes bank refused the withdrawal, and they would need release documents from them to reverse the hold.
My wife and I get the document from her bank, along with additional information that they NEVER refused payment on the check.
We brought this information to a TCF branch location and spoke with a Bank Supervisor.
She looks into the situation while we wait at the teller station.
She returns, saying her Loss Prevention Supervisor said that my wifes bank reported insufficient funds.
We showed her the paperwork proving that wasnt true, along with contact information for my wifes bank to confirm that the Loss Prevention Supervisor made a mistake.
We were there over an hour- they wouldnt even TRY calling the other bank. Just said over and over they refused it.
We left after they said they would continue to work on it and call us.
In the meantime, we called my wifes bank AGAIN just to confirm AGAIN that they never refused the check, and they have no record of ever giving TCF insufficient fund information.
When TCF called me later and continued to state that the other bank refused to pay the check and it is on a HARD HOLD until XX/XX/XXXX.
Meanwhile, they sent my mortgage payment back and I had to go pay that in person.
It was never resolved, and one year later I am still trying to get help with this.
|
| 02/28/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
Older American |
|
In summary, on XX/XX/2018, XXXX XXXX received a telephone call from an individual who claimed to work for XXXX. The caller convinced XXXX to grant shared access to the computer screen. The caller then convinced XXXX to log into her online bank account so that XXXX could compensate for computer issues. The caller told XXXX he accidentally deposited too much money into her account. The caller instructed XXXX to send a {$12000.00} money order/ cashiers check to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX , CA XXXX in order to return the excess amount. XXXX went to her local TCF Bank Branch and obtained a {$12000.00} cashiers check, but before this check was placed in the mail stream XXXX received another telephone call from the XXXX impersonator instructing her to send the check directly to XXXX XXXX XXXX XXXX Account # XXXX / Routing # XXXX instead. The said cashiers check was deposited into XXXX account at approximately XXXX XXXX on XX/XX/2018 at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The transaction receipt indicated funds would be delayed until XX/XX/2018.
> > Shortly after the deposit, XXXX was made aware of the fraud scheme by neighbor/ friend/ authorized account user XXXX XXXX . XXXX revisited both XXXX and TCF Bank Branches with XXXX. XXXX requested a stop payment on the cashiers check at TCF to ensure the funds would not become available in the XXXX Account ; however, the TCF bank teller informed XXXX this could not be completed on XX/XX/2018 because the amount was greater than {$5000.00} and required approval from a manager who was already gone for the day. On XX/XX/2018, XXXX helped XXXX file XXXX Police Report # XXXX. The {$12000.00} was returned to XXXX TCF Bank Account for only a few days. XXXX is currently at a loss of {$12000.00} as a result of the fraud scheme.
XXXX XXXX spoke with the district attorney XXXX XXXX in California XXXX. She personally reach out to XXXX XXXX and found she also was a person of identity fraud.
|
| 05/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request.
Regards
|
| 10/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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Paid off an Installment Loan for a Boat with TCF on XX/XX/2020, at TCF Bank, XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, and received a receipt for this payoff with the accounts ending 4 digits of the account. This loan was formally through Chemical Bank which was absorbed by TCF Bank of recent. TCF is a very difficult bank to get through to, long waits and it is difficult to get to the right person when attempting to make contact with them. Even the bank personnel complain of the same issues of waiting up to one ( 1 ) hour online. I am now receiving Statements saying I have monthly payments due aloing with late fees/assessments stating that I have missed a payment ( s ). Along with receiving statements from TCF, I am also receiving Late Fee Notices from their collections department. They do not know where my payment went to? When attempting to call I get different answers from different people, but no real solution to the problem. I would like my payment in full made to the bank recognized by the Bank. My concern is this matter will unnecessarily be reported to a credit bureau and then I will have to waste my time to unravel that as well and I don't want I or my wifes excellent credit to be placed in jepordy. We should not be receiving continual Statements or notices from TCF Bank. What I am looking for TCF to do is to properly credit this loan account with the monies provided to them on XX/XX/2020, provide me with a letter stating this loan has been paid in full as of XX/XX/2020, provide a written apology advising me of the bank 's error and ensuring me that nothing will mistakenly be passed on to or recorded with any or all credit bureaus or agencies causing any detrimental harm in any way against our excellent credit and providing me with a full release/payoff document that can be recorded with the title of this vessel so the same can be filed and revised on the title of the vessel with the State of MI, Secretary of State.
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations.
Sincerely XXXX XXXX
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| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I noticed my my balance not reflecting what I believed should be in the account. I went over my online bank statements provided by TCF Bank. I noticed a total of 8 overdraft fees spanning over 4 days ( XX/XX/XXXX, XXXX, XXXX ) that I could not understand. I contacted my local branch on XX/XX/XXXX. I made contact again on XX/XX/XXXX and received a call back from XXXX later that day. Over the next 2 days I spoke with XXXX and he refunded 3 overdraft fees and I conceded to 1 ( XXXX XXXX, XXXX ). I inquired about the 4 additional fees ( XXXX XXXX, XXXX ) and he stated he could not do any additional refunding. I asked to speak with his superior. XXXX contacted me back and I met with her on XX/XX/XXXX. She explained to me about authorization, which I was already aware. She also stated, more than once, maybe I should keep better records. I found that to be a disrespectful dig as they ( TCF ) would NEVER go by my personal accounting and only their own statements that they provided. I asked her to show me. She turned her computer screen and showed me what she said was some accounting that proved what she was saying. I asked her to print it out for me, so that Iay review the information. She refused. XXXX stated that it was an internal system that attempted to recreate the charges on account. I explained to her that if she couldn't provide me with a copy, I was unable to go by that information. I was going by the information that was provided to me, by them, i.e the online statements. And those statements DO NOT reflect what she is saying. She put a dispute in the system ( only after being threatened with contact to your company ) on XX/XX/XXXX and told me I would be contacted. I called XXXX again on XX/XX/XXXX letting her know I had still not been contacted. She told me they have so many days to call me, still not telling me what that timeline looked like. What TCF is telling me and what they have provided me in statements do not match.
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| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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We sold our property XXXX XXXX XXXX, XXXX KY XXXX with the closing on XX/XX/XXXX. The Title company sent the payoff amount to TCF Bank and the check was cashed by TCF Bank on XX/XX/XXXX, however, the funds have never been credited to our account. I called customer service on XX/XX/XXXX and was told that they had no record of the payment but this could just be because for such large amounts, it is common to place a 5-7 day hold on funds and I was given an email : XXXX to follow up in case the issue was not resolved. I used the secure messaging option in the TCF app to initiate an inquiry on XX/XX/XXXX and included the check number, amount and my loan number but again no resolution was forthcoming. I then sent a detailed demand notice on XX/XX/XXXX to XXXX as instructed earlier and included my account number : Loan XXXX, property address, and amount of the check : {$120000.00}.
Additionally, I attached a copy of the file check from the title company forwarded to my by the title agent : XXXX XXXX XXXX I asked for a clear resolution and response to the matter by XX/XX/XXXX. On XX/XX/XXXX, another loan payment was deducted from my bank account towards the loan and I received no further response. I followed up with a second email to TCF loan servicing on XX/XX/XXXX, noting that instead of closing the loan and refunding the overpayment I was continuing to have regular payments withdrawn. I also included an actual copy of the check that was cashed by TCF Bank on XX/XX/XXXX providing them with more than ample paper trail to appropriately credit the payment to my account and close the loan plus refund my overpayments. Unfortunately, we have had no response or demonstration of concern or customer service. I am asking for your assistance to appropriately credit the amounts paid to close this loan and refund the overpayments in a prompt fashion. I am very disappointed with the lack of customer service from TCF Bank as well.
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| 01/24/2020 |
No |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2019, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.
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| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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case # XXXX Lender made a direct false statement and committed and action against the statement they made as below " quoted from Gateway 1 '' please see below in quotes ; " Please note that Gateway has already submitted a request to the consumer reporting agencies that your account be reflected as in dispute. In addition, Gateway has ceased all collection activity associated with your account as we attempt to resolve the situation with the dealership in question. '' Gateway 1 has made the " claim '' that in addition to reporting my case to credit bureaus as in dispute, that Gateway 1 would, " in addition cease " all '' collection activity associated with my account. '' Well, that 's proven to be a blatant lie, and false statement, as they have not only not ceased collection activity, they 've acted on collection activity by physically " repossessing '' my vehicle on private property and allowing extortion activities to commence by the company that repossessed my vehicle. Company name that repossessed my vehicle is XXXX XXXX XXXX. I had to call the policing authorities to stop the extortion activity of XXXX XXXX XXXX.
My case in point is, this Lender continues to make false claims, continues to deny my resolution to return my money and losses due to a Predatory Loan initiated by them, the lender continues to neglect sending me written notices via mail of any proceedings, actions, resolutions, resolved, findings of investigations of my victimization, cooperation of any kind. Gateway 1 has done nothing but continue to purposefully lay a heavy burden on me as a victim of a crime and they continue to deny assistance in a loan they initiated, undertook in their discretion without doing their due diligence on the collateral they issued payment for in form a loan, and are now putting 110 % of their " mistake '' and " incompetence '' as a lender licensed, on a Victimized consumer, myself, XXXX XXXX.
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| 03/14/2018 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a loan.
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| 08/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name.
I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly.
Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me.
Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit.
This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}.
I need help!!
Ps I have filed a police report as well. It is still pending investigation
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| 12/19/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX.
I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.
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| 12/28/2020 |
Yes |
- Checking or savings account
- Savings account
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- Problem caused by your funds being low
- Late or other fees
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Web |
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I have a complaint against TCF Bank. On XX/XX/2020 I visited a TCF Bank branch and upgraded my savings account to a better account in order to avoid coin deposit fees. The new account has a {$100.00} minimum. In the same visit to the bank branch I upgraded my savings account to the new account type and had the branch representative transfer {$100.00} to the account.
On XX/XX/2020 a {$4.00} " monthly maintenance fee '' was charged. This was likely due to the branch representative transferring the {$100.00} sequentially after upgrading the account. The fee was due to representative error.
I received a fee reversal for that {$4.00} subsequently during a branch visit.
A second {$4.00} maintenance fee was charged at the end of XXXX, which was triggered by the prior maintenance fee. It's like this : XX/XX/XXXX balance : {$100.00} XX/XX/XXXX balance : {$100.00} - {$4.00} maintenance fee ( caused by sequential error when account was upgraded and {$100.00} minimum transfer in the wrong order, bank branch rep error ) XX/XX/XXXX balance : {$96.00} ( triggered additional maintenance fee for month of XXXX ).
Today, on XX/XX/XXXX I called TCF customer service and requested the second " monthly maintenance fee '' be reversed. The first monthly maintenance fee had already been reversed via a branch visit. After spending over a half hour on the phone with the call center representative explaining the issue, the representative finally admitted that she only has access to 6 months of transactions. The representative said I would need to visit a bank branch in order to receive the fee reversal. I find this to be completely unreasonable. It is a long distance to any bank branch and I know that branches have very limited service. The bank representatives don't have access to transactions older than six months. The bank can not help customers over the phone with issues older than six months.
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| 02/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I am a user of TCF bank which is a small bank located in Illinois. I already close the overdraft function in my account.
On XX/XX/XXXX, I made two transactions to pay my electricity bill and credit card by using TCF, which is overdraft and TCF charged me {$74.00} fee twice overdraft.
On XX/XX/XXXX, I am using the TCF bank to make a payment which is {$8.00} and they charged me a {$37.00} overdraft fee.
On XX/XX/XXXX, I made a payment to my friend which is {$570.00}, and {$570.00} was not successfully transferred to my friend, then they still charged me {$37.00}.
Then on the afternoon of XX/XX/XXXX, I received two letters from TCF bank and stated that I have three overdraft fees ( XXXX ), which means the last one they have not send it yet.
I already close the overdraft function when I open this account, how can they still overdraft.
They are located in Illinois, they spent about 12 days ( XX/XX/XXXX to XX/XX/XXXX ) sending the first letter to me. However, when I activate the Apply pay in my account, I can receive the letter notification sent by TCF bank within two days. Spending 12 days to receive the overdraft letter, rather than call me immediately.
I have registered my email account for online banking. But I have not received any emails telling me that I have overdraft. However, I have changed the online banking email account to a new one. My old account still can receive their advertisement frequently. Even my old email account can receive your advertisement emails, why you are not able to send me the overdraft information.
I also installed their mobile banking app, I have not received any notifications about my overdraft transactions.
Transaction failed even charged over draft fees.
After I received the letters and contact immediately, they insisted that they can reverse {$65.00}.
Then I agreed because I am worried about they will charge me more fees.
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| 04/08/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Beginning Balance {$320.00} on XXXX XXXX a online payment to credit card {$78.00} and a Check # XXXX {$240.00} Total {$310.00} Both on XXXX XXXX Funds {$320.00} is Enough to cover.
On XXXX XXXX in Branch/Lobby personal visit to Deposit with Cash withdrawal of Government Stimulus check receipt enclosed. Bank teller Did not inform me that a cash withdrawal from deposit of stimulus check " could not happen/able only a deposit '' at this time '' Teller responsibility/job duties when " depositing check '' and/or in Customer account/management.
On XX/XX/XXXX Same day ( deposit and cash withdrawal ) FEE '' S 4x happened : " Force post Debit - {$37.00} times Three ( 3 ) and another FEE for " return check '' {$37.00} TOTAL {$140.00}.
On XXXX XXXX *Over Draft fee refund " {$74.00} see email dated XXXX XXXX @ XXXX after speaking to Customer service XXXX XXXX she said ( recorded message/phone call that she is only able to credit TWO Fee 's -other TWO fee's- would have to be done by personal visit to Branch Visit assist manager XXXX could only do /access one credit of Two/ '' tools not able computer '' - I asked to have XXXX XXXX phoned XXXX about issue- again only access credit one- I called my XXXX to TCF customer service unable to reach XXXX and phone call hung up upon, Next day called again customer service " chat with XXXX '' with employee says again credit and Nothing happened to credit my account of the Two remaining charges of Fee 's to my account- this/was a Recorded phone calls and TCF/XXXX bank are Denying '' what was said and refuse to correct the remaining fee 's.
I have XXXX out of " overdraft fee 's and " returning a Check # XXXX and credit card payment ( overdraft charges *Are Not my mistakes nor are they " non sufficient funds available issue- These Fee 's Non allowable/fraudulent and misleading. I want other TWO Fee 's returned to my account.
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| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
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| 06/15/2020 |
No |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been trying to pay off my mortgage with Chemical Bank ( XXXX MI ) since XX/XX/XXXX. The mortgage servicer did not provide payoff statement, as repeatedly promised during my more than one dozen attempts to get them to send me a payoff statement. They kept sending me encrypted emails linked to their website that directed me to another individual 's phone number for security password, and repeatedly sent me loan transaction statement instead of payoff summary. I made two payments, one on XX/XX/XXXX representing majority of the payoff, which was " misplaced '' for two weeks when I talked to the same rep who I informed of the payoff payment 's coming. No one contacted me back after they committed to have the payoff dept contact me, about 10 times, XXXX minutes later, I still don't have a payoff statement that ties to the correct payment date and interests. I made another payment XX/XX/XXXX after waiting for two weeks with no avail, which they haven't applied still. Fees were added at various amounts for " recording fee '' yet no accounting statement of final interests, fees, and principle with correct dates and interests. I was told only one person from the payoff dept is able to get me a payoff statement yet she absolutely would not talk to me to answer any question. The reason I wanted to close and payoff this mortgage was exactly because during the servicing period since the mortgage started in XXXX, they repeatedly made mistakes, escrow insurance when I had my own coverage, then placed a fee, three years in a row same practice. Such bank is very scary to handle this type of transaction of this size. I have sent a large payoff amount then contacted them the very next morning, how could you " misplaced '' it? I hope other consumers will learn about my experience and do not do business with such a bank
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| 07/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **.
_________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX
XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}
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| 01/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a vehicle from a small car dealership in XXXX Arizona. I had the vehicle for a little over a year now. I went to go trade the vehicle in at a big dealership and when the sales manager pull the XXXX and XXXX on the vehicle to find the vehicle 's odometer has been rolled back. I signed for a vehicle with XXXX miles. It really has XXXX miles. Earlier last year the dealer filed a restraining order on me because he stole my wifes car and he wanted to keep me away from it while he was ripped everything that we own out of the vehicle along the sums of about {$1500.00} worth of items. The police would not file a stolen items chatge on the dealers owner. I had no way of contacting him and getting to the bottom of the situation through the dealers owner. I contacted the bank and the bank told me that I 'm still responsible to pay for the vehicle which is {$15000.00} more than what is actually worth. I finance the vehicle for {$19000.00} and the owner of the dealership knew that the vehicle 's odometer has been rolled back and still sold it to me for {$19000.00} even though the vehicle is only worth {$5000.00} trade value. I have all documents to show that this vehicle was at XXXX miles when I sign for it. The dmv has documentaion thatvthe vehicle is signed for has almost XXXX miles on it.This dealer has been doing a lot of scamming to the public people of Arizona and the state of Arizona is not doing anything to prosecute him or recover anyone 's damages, I still have to pay for the murchandise that the owner stile out of my famikystuff car. I ca n't afford a lawyer. I know I am part of a struggling working family and I ca n't afford legal representation because they are very expensive. The dealers owner has numerous law suits against him so recovering losses may be out of the question.
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Continuous withdrawals from one of my checking accounts from an online travel company names XXXX, whom Ive never heard of til now were taking money from my account starting from XX/XX/2019 thru XX/XX/2019. My daughter left my XXXX computer at her friends home in which may have led to someone having access to my personal information. I had XXXX XXXX attached to my account from my other XXXX products all being synced together and I believe this is how they ( he or she ) were able to make purchases and or set up online accounts. My bank was informed as soon as I noticed the withdrawals.They issued a refund then soon after reversed the issued amount of credit with no response given as to why. This led to overdrafts as of now from my account. My only part in this situation is not paying enough attention to my balance and transactions at the time of this illegal activity. When the bank submitted my request of fraudulent activity upon investigation and refunded my money I was told to get police documents or any paperwork of proof of anything I could if I can. But of course how could that be possible if everyone is clueless of the incident and not admitting guilt? I have no proof as to who did these transactions. I just know they were unauthorized and no product was exchanged for the money taken. This company has taken my money and I have nothing to show for it, no travel information, tickets, vouchers or anything leading to a trip in exchange for my money.
Please assist me in re-reversing the money owed to me that I earned and the banks accountability of protection amongst their customers assets as promised. I have never had this happen to me from my own established bank. Ive now been robbed twice and treated unfairly. Your assistance is attentively needed.
Thank your for your time!
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| 03/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word " recurring '', the person on the phone said that they do not even have my checking account information on file.
On XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording.
I contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.
|
| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I spoke with a TCF Bank ( TCF National Bank ) MN representative on XXXX XXXX and to close my checking account as it was now being charged $ XXXX for paper statement fees. After having to call back as I was using XXXX XXXX as I live in XXXX XXXX and this was showing as a blocked number ( my brothers receive a phone number when I call ).
I called back went through all the steps and was told to expect the check in a few days. Due to the current issues with the postal service it wasn't noticed that it hadn't been received until receiving an XXXX statement, which was a surprise.
I called back to TCF on the XXXX XXXX and requested a refund to the account and then to close the account. I was told that the account could not be refunded {$4.00} and that I would have to close the account in person. I stated that as I live in XXXX XXXX this was not a possibility and that I would be raising a compliant as I was told the account was closed.
Prior to writing this compliant, I called back one more time and asked for the complaints department, hoping that they may be able to resolve this. They said customer services and complaints were the same department and I could not be transferred. On this call I was told that due to my account being dormant ( this was the first reference to this ) I could not close the account over the phone and there was nothing they could do for me.
This process seems very predatory, as I would assume most people that have dormant account are in a situation where going to a bank branch is no longer possible, part of the reason for the account being dormant. Also, it is unreasonable that they can still charge my account {$4.00} but can not reverse the account or stop sending paper statements ( I cwas told to change this setting I would have to go in person ).
|
| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
A refund from XXXX XXXX in the amount of {$170.00} has been sitting with visa and TCF bank for over a month, this has been confirmed by the XXXX and the letter sent to them from XXXX XXXX ( SEE THE ATTACHED ) and as of today the original complaint to TCF Bank was made OVER 1 MONTH AGO. I was told the money is being put back into my account yet another 8 business days have gone by to no avail. The debit card used was closed out, TCF bank can see the money yet has not called or communicated with visa to tell them that the debit card was closed out and this is the account that the {$170.00} refund is supposed to go into, therefore for over 1 month the money has been sitting in limbo. I have talked with XXXX XXXX several times ; he has called the necessary department several times to no avail. the original case number is XXXX. TCF bank denied the refund on their part, ( which means they were not going to refund the money from the bank ) based on the above case number but XXXX XXXX decided to give me the refund and did so over a month ago, that is the money that is sitting in limbo because it was put back onto a closed-out debit card. TCF is not communicating with Visa to give them the correct account to put the money back into. TCF bank has done nothing to complete this transaction for several weeks now. I can not give that information to Visa, TCF Bank needs to, and needs to do this NOW AS MY MONEY IS STILL IN LIMBO AND HAS BEEN FOR OVER 1 MONTH!!! XXXX in CS TCF Management has confirmed that she can see the refund and does not know why this is not being taking care of by the TCF correct department. Had TCF done their job correctly and completely, they would have seen the refund and applied it accordingly instead of just leaving it in limbo, THIS IS NO LONGER ACCEPTABLE!
|
| 04/20/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I filed a previous complain with consumer financial regarding Gateway One Lending and Finance, case number XXXX. Gateway One has sent representatives to MY HOME, contacted my sister ( as stated in my previous complaint ), however, now they have reached out to my best friend, informing her of my debt. In the company 's response to Consumer financial they insisted they would no longer contact family members, friends, or make harassing phone calls to me. They have not honored that agreement. The company has called me at least 10x '' s per day ( which I can prove with voice messages ). My husband has reached out to a representative named XXXX @ ext. XXXX informing him a payment would be made to satisfy the outstanding balance on XXXX XXXX, 2016 once we are in receipt of my husband 's monies withdrawn from his 401k. In addition to coming to my home and disclosing my personal information without my consent to my sister and friend, the company continues to make harassing phone calls, and came to my phone. I have had a car loan before and never have I experienced such harassing and aggressive action by a lender. Gateway one has also gone into my bank account without my consent or authorization, I was told representatives can hear me give consent for the lender to access my account for payment when a payment was made 2 days prior ( paid my XXXX and called representatives the same day to provide confirmation number ) to them attempting to withdraw monies. I have asked repeatedly to hear this recording, however I was told I needed to obtain a court order. I will have to take legal action if these issues are not resolved, this does not feel by their words or interactions with me, to be a legitimate lender as they often convey themselves in such an inappropriate, aggressive manner.
|
| 08/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Hello, On or about XX/XX/2020 an automatic/recurring payment triggered, transferring {$500.00} from our joint checking account directly to TCF Bank. At the time, we only owed a small amount of interest in the amount of {$34.00}. This resulted in an over-payment of {$460.00}, which is owed back to us, the borrowers.
I called TCF and explained the issue and was told that a check was being issued to us for the overage. The check never arrived and upon calling a second time, I was told that we had to wait 90 days to receive a newly issued check due to " company policy. '' I explained how this was unfair and that the bank would not similarly allow us the borrowers to miss a payment obligation for three months without charging interest or fees. I asked that the issue be escalated and I was told that I would receive a call back ( I never did ).
Yesterday ( XX/XX/2020 ), I called back to yet again inquire about the funds owed to us. After waiting on hold for 42 minutes, the customer service rep could not locate any of these prior discussions in their system and had to connect with a back office function ( I assume Accounts Payable ). I was told that I would receive a call back within 24 hours once they accessed an old system. I have not received a call as of the time of this CFPB complaint.
I will soon be closing out this HELOC entirely, in large part due to this experience. I want to make sure that I receive the money owed before that happens. It's been over three months since this occurred and it's particularly egregious to withhold close to {$500.00} given world events and the economy.
The attached statement shows that we had no principal balance and a " principal adjustment '' of + {$460.00}.
Thanks for your consideration and assistance in resolving this matter.
|
| 05/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Parties involved in this dispute : MrXXXX and Mrs. XXXX VS TCF Bank On XXXX XXXX my husband came to me and said we have an XXXX XXXX on our account, Can you find out what this is. So I logged on XXXX XXXX and talked to an agent Who said you have logged on to unsecure site and said he could fix it for me. He said to be able to access XXXX XXXX we need to do a few things. One being a picture of my credit card and face. Let me tell you honestly he had me put in some long numbers By the time I realized it he had had drained our checking account. I called the bank immediately by the time I got through all the prompts there was 3 transactions. The bank assured me not to worry we already flagged the 3 transactions. At the same time my husbanded dropped everything and headed to the bank. He sat down with the bank manager she pulled up our account, she showed him the screen with 3 items where flagged and not to worry. Than a quick visit on Monday morning the bank said we let 2 charges go through and flagged one. so this meant NO your not getting your money back On that same day XX/XX/XXXX I filed a report with the XXXX XXXX police department. I gave the wed site and who I called case # XXXX Since than we have spent hour after hour fighting with the bank, As you will see in the paper work the bank will not return our money because they said we benefitted from the transaction. The whole thing is a nightmare We lost {$5500.00} They said we bought crypto currency. WHAT??? I admit I was very irresponsible and down right stupid. However my complaint is why did they return one and not the other 2. Please help us as we have called every week to get answers, they keep sending letters why they are not working with us This has left us in a very dire situation Please Please help us
|
| 12/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I took out a HELOC loan with TCF bank in XXXX of 2020 for {$100000.00}. The account number is : XXXX. I have subsequently decided to re-finance my primary and HELOC mortgages into a new re-finance with only one payment going to the new mortgage company. When a credit report was run by my broke, two accounts were showing as liens. The aforementioned account in the amount of {$87000.00} and a second account number XXXX XXXX XXXX in the amount of {$34000.00}. The total of these two accounts equals {$120000.00} which is NOT the amount I borrowed. I just called TCF and finally spoke to an associate ( XXXX ) who informed me that only one account was open, the original XXXX. When I inquired as to why there were two account, he abruptly replied, " Because we merged '' ( TCF merged with Chemical Bank after my loan was finalized ). I then inquired how to remove this second account from my credit report and he said to contact the credit bureau. I knew this was absurd as they have no control over what is put on the report. They only report what is there. I informed him that this is not the credit bureau 's responsibility and that TCF is responsible for this. I did not receive an answer from him.
I immediately called my mortgage broker ( XXXX XXXX ) and told her the situation. She indicated they would request a payoff to see if both accounts would be removed from my credit report. I am extremely concerned about the {$21000.00} overage due to TCF 's poor account measures and do not want this affecting my credit score which I'm sure it already has. Moreover, I need to re-finance this mortgage if for no other reason, to remove myself as a TCF customer. I have had several problems attempting to contact them and establishing myself on their website since the merger.
|
| 06/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant.
there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.
|
| 09/24/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
I am a victim of fraud on the part of XXXX XXXX. I believe they targeted me because of my age. On XX/XX/XXXX at XXXX eastern time I called XXXX XXXX as a CD had just come due. I relocated to Delaware, and so I can no longer visit a local branch in XXXX. I spoke with a woman in customer service in Illinois. Mail I get from XXXX XXXX has a return address of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. As my holdings are nearing the limit of FDIC insurance, I asked that {$10000.00} be removed from my CD and forwarded by check to my address of record. I asked for the remainder of funds to be renewed as a CD. I am XXXX years old and my son helped me read my account number, and was witness to the transaction. During the week that followed I received a letter dated XX/XX/XXXX thanking me for contacting them and noting that the CD had been renewed for the full amount. My son helped me call at XXXX eastern time on XX/XX/XXXX to notify them of the error and we were told the CD had been renewed and no record of our earlier call existed, and a fine of about {$600.00} would be required to withdraw funds at that time. They noted they had no record of my call on XX/XX/XXXX even though the letter was dated XX/XX/XXXX, thanked me for contacting them, and XX/XX/XXXX ( the date of the letter ), was long before the time limit for altering the account before automatic renewal. I was told that nothing could be done, that the bank would file a complaint on my behalf, but would not necessarily confirm that a complaint had been received. This is fraud - theft through the renewal of an investment instrument contrary to my instructions with a claim that instructions had not been received, when in fact they were acknowledged on the mail I received.
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My husband left me and our XXXX children, all under the age of XXXX, in XXXX. Im a single mother supporting them on my own with zero help from him. In XXXX, I requested a deferment for two payments XXXX XXXX and XX/XX/2019 XXXX to help me catch up and be able to make the XXXX payment on time. I was told by a representative that once I make the XXXX payment, which was behind, that they would send me the deferment paperwork and the two payments would be deferred with no fees to be paid up front since this was a hardship. I paid and never received the paperwork. I called in XXXX and they told me it had to be in before the end of XXXX. I explained I had never received it. I was then told that I had to qualify again. They told me once more that I was approved and no fees would be added. I received the paperwork, signed and emailed back the same day. Last week, I noticed that the due date online still showed as XXXX. I called and was told the extension couldnt be processed because I had to pay {$180.00} in fees up front. I told them that I was told I didnt have to pay that and that it would be waived by management due to the circumstances. The representative I spoke with said she did see those notes on my account and that she would let the deferment department know to go ahead and process the extension. I then get an email today from a XXXX XXXX with the lender and the email is stating again that the extension cant be processed without a {$50.00} fee. Clearly, I can not pay this as the whole point of the extension was because I was behind and needed to get caught up. I was told by multiple representatives, including a manager, XXXX XXXX, that it was approved for two months with no fees. I keep getting the runaround with this company.
|
| 08/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I noticed on the XXXX that i was negative in my account. I have until XXXX through tcf to fix it.so i deposited XXXX dollars to fix my negative balance at XXXX that night.which left me at XXXX.The next day XX/XX/XXXX i noticed i was negative again.So i deposited XXXX at XXXX that morning which left me at XXXX. On XX/XX/XXXX i woke up, checked my account and noticed i had an XXXX over draft fee. When i called to ask why, the lady told me my negative balance was from the day prior.which is impossible considering i fixed my account the day prior.luckily she agreed to help and take off -XXXX to make it -XXXX.i called back again that day still not understanding and they then told me its possible my fees came out at noon on the XXXX.which still doesnt make sense.they charged me 5 over draft fees total. One which i shouldnt have even gotten considering im allowed to have up to negative XXXX bucks before being charged.when breaking down the over draft fees, they charged me one for -XXXX. I went into the bank today for them to tell me that my funds on the XXXX must have came out after i fixed my account with the XXXX dollars that day.so basically what they are trying to say is they must have taken the funds out at after XXXX on the XXXX.when i asked if they could tell me what time kwik trip took out those fees he told me there isnt a way of knowing because they dont have the times when kwik trip ran it through ( which makes no sense ) however, they showed me what times the other funds came out but when they showed me they told me they could not give me that form to leave with because its the banks. How am i not able to take a copy of that home?! Please look into my account and please help me.i feel as though they are stealing from me.
|
| 03/22/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I received a letter on behalf of TCF national bank from an attorneys office XXXX XXXX regarding Loan Number XXXX for property address XXXX XXXX XXXX XXXX IL. XXXX. They are stating that if I do not pay the alleged amount of XXXX. this includes their attorney fees that they will begin foreclosure proceedings on my home.I am disputing TCF Banks claim that I owe them XXXX for a credit line I never was aware of or used. I never authorized this credit line, I believe the representative at TCF bank fraudulently took this credit line out in my name. The first time I became aware of this fraud was when I went to do a reversal mortgage and the attorney I saw for the reverse mortgage brought it to my attention. In between my health issues, I have gone to TCF on countless occasions over the past couple of years asking them to provide me with an explanation of where this money came from as I never took this money out, I never spent this money. TCF can not provide me with any documentation of where this credit line was in fact used who used it or how it was spent. I have complained to TCF many times and reported this fraud to the branch managers at several locations and each time they could provide me with no proof. They have also sent me to other branch locations per their direction to try and find out a solution or documentation about this matter. I have followed TCFS instructions to go to each branch they asked me to and documented who I spoke to all they did was give me the run around. They can not provide me with a signature on the back of the check they say they gave to me which they did not. I am asking that you help me they committed fraud against me and took advantage of my health conditions at the time and now I may lose my home
|
| 04/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do.
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me.
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand.
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees.
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX
|
| 10/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
On XX/XX/2020 I received an automated call from TCF Bank warning my account is at risk of, or had already gone dormant. I logged into the the account and saw four dormant account charges for {$10.00} each : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I initiated a transfer from another bank to move money into TCF to remedy this situation.
Additionally, I called TCF and asked why I am receiving a call about this only now and why not months ago when this first occurred. My phone number hadn't changed in years so there's no issue with that. The phone rep said she couldn't see three of the four charges and therefore couldn't submit a request to refund them. She suggested I visit a branch about it. I visited a TCF branch near my home on XX/XX/XXXX ( Branch address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) The teller there couldn't find 3 of the 4 charges either. He showed me the charge from XXXX, and said there were no others. They told me they couldn't refund these, and the likely cause of the other three charges not appearing was due to their merger with Chemical Bank.
On XX/XX/XXXX, I received another similar automated call despite my account now being " open '' status. I called customer service again at XXXX. She also couldn't find the three of the four charges, and couldn't explain why I'm only getting these calls now. She also told me I should have received a letter about this, but upon checking there was no record of one ever being sent. She told me she couldn't submit a request to refund these since only one is visible, which is understandable from her point of view. But that leaves me with no recourse. She suggested I go back to the branch but that seems pointless considering I had already did this.
|
| 01/22/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am writing to continue a complaint XXXX. I am attaching several documents which present my case and my situation. First, I was foreclosed by TCF. They never gave me the opportunity to make things right and NEVER considered a short sale offer I has for {$960000.00}. In the most recent letter letter ( attached ) from TCF, XXXX XXXX, he stated that he made many offers, offers I specifically asked for in my XX/XX/XXXX letter ( attached ) and that he did not hear from me. This is incomprehensible -- all I wanted was to keep my son in school -- and not have a deficiency judgment. He says they offered that, which must have only been a year ago, and that I did not respond. However when I asked for a copy of the offer, they have none. I am asking you to look into this situation. I also attach an offer I received for the property XX/XX/XXXX for {$960000.00} which TCF did not entertain, but yet they sold the home for {$800000.00} less than 6 months later. This is a choice of theirs to accept such a low offer for the home. They are pursuing a deficiency judgment of {$340000.00} against me and will not negotiate, Attached letter of XX/XX/XXXX. It should not be allowed that TCF took the home I lived in for 18 years, without any negotiation or offers of assistance. When I first approached TCF there were government programs offering 1 % and 2 % mortgages, and yet TCF would not consider lowering my rate, and then sold the home at such a steep discount. This should not be allowed. They purposely accepted {$160000.00} less for the home and are coming after me for an amount they know I can not pay. Please assist in getting TCF to withdraw their deficiency judgment and letting me put back the pieces of my life.
|
| 09/01/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have been a customer of TCF Bank for over two years. I have a home line of credit. I enrolled in online banking to accommodate payment.
Over the course of two years the bank has changed my online banking user name and password, at different times without letting me know. I try and call and have spent more than 2 hours on the phone waiting. I have been able to perform a one time payment, but as of late, that window is gone from their website. Over the past 2 years, the bank continuously has gotten worse, and now I am completely locked out!
I have been attempting to communicate with this bank for over 2 months to make a payment. Their only response was a generic return email with the online link and no other contact information other than the 1800 umber that places one on hold for days ... literally. Now The online system is not even taking my account number and no one is answering the phone, so I am only left with an automated email that sends me back to the website, and then we start all over again.
As I write this, I am on my 4th hour waiting and I now, since we are in different time zones, their office is closed. I have a job, I have a XXXX mother and kids in full shelter in place who need my attention - I can not stay on the phone for eternity. But I mean, who can stay on for days really? I am starting to doubt there is anyone really there.
The main issue I have is that this will now affect my credit and I have learned from the past just how hard it is for a consumer to challenge that claim. This is completely unfair and I am at the end of my rope! I am tired of this professionalism and if I could, move my loan from this institution as it is gone from bad to extremely horrible.
|
| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On Monday XX/XX/2021 my husband used his debit card to purchase gas. There must have been a skimmer on the pump and someone took it upon themselves to use his card for a bunch of bogus charges. We were at our local water park that day with family and did NOT have our phones with us. When my husband checked his phone later in the day he had received a fraud text alert from TCF bank, our current financial institution, he replied " N '' for no stating it wasn't a transaction made by him. The fraud department contacted him and asked questions and declined the charge. I jumped on to our account and noticed multiple other fraudulent charges and immediately called TCF back, because it was a holiday the wait time was over 30 min. The first representative my husband spoke with failed to cancel the debit card and charges kept going through. There were 31 {$50.00} charges and 8 {$25.00} charges for a total of {$1700.00}, all made with the same company XXXX XXXX XXXX XXXX XXXX. From my research this is a clothing store geared toward young men. We reported the fraudulent charges within 6 hours of the first text notification and TCF fraud investigation is denying that they were fraudulent. Stating that we benefitted from the charges and are refusing to return the lost funds. It's very clear that these charges were fraud, they don't align with any of our previous or current spending habits. Why would anyone run {$1700.00} in {$50.00} and {$25.00} incriments? When I contacted TCF customer service on Tuesday XX/XX/2021 the rep I spoke with agreed that they were suspicious and looked to be fraudulent. I have appealed their decision twice and they keep refusing to return our money.
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )
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| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I had applied for unemployment benefits in Minnesota and had been in a long standing battle to get approved for a long time. At the beginning of XXXX I was finally approved and granted backpay for months which resulted in a handful of deposits amounting to almost {$10000.00}. I was having my social worker help me fill out the direct deposit forms on my unemployment account at the time and unfortunately he somehow managed to mix up mine and other clients banking information. This resulted in almost $ XXXX being deposited into an account at TCF bank that was not mine, after contacting TCF I was told that if the account holders name did not match the name on the direct deposit that they would return the payment to the sender. I waited and waited but it has been 5 months and still the state has not received that money back yet. For some reason TCF is still holding these funds and because Im not the account holder of the account where the funds were deposited TCF will not even speak to me about this matter.
I wasn't given the exact payment amounts but I know it was maybe 5 or 6 payments totaling almost {$10000.00} a lot of them were sent on XX/XX/XXXX, but not all of them some were on a few days before the XXXX or a few days after.
The last 4 digits of the account where the funds were deposited were XXXX I dont have the full account number because we are not given access to that information directly on the state website. If you need the full account number to find the payment let me know and i will have to contact the state. But I think it should be more than possible to track the payment with those last 4 ending digits.
|
| 09/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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There are two parties on the loan account for a XXXX XXXX XXXX financed through Gateway. We have tried to be refinanced, but the bank refuses to do refinancing and we are now subject soon to repo. The primary person is not the owner of the actual vehicle, but the co signer is. The way the car dealership got us approved was by placing XXXX XXXX as the cosigner, instead of the primary.
XXXX XXXX is currently and has been actively on SSI XXXX. Due to the high monthly note, we have had to already extend our contract by two months. We have also received numerous calls. We have been told that if we don't secure payments, we would be subject again to repo prior to even the dates of when a repo can actually start to take place. We tried the other day to cancel a secure payment ( which we were forced to do as they said we have no other option, and would be up for repo if we didn't " secure '' a pre planned payment ) because of health issues that just came up, and in fact we almost couldn't afford to pay rent this month. But, they have once again refused.
We can't afford to have no vehicle as well as a repo. Please help. We have tried trades, selling privately, refinances, etc. We have even tried to apply to transfer debt to credit card and got denied.
Also, ever since we got the vehicle we have had concerns on the loan due to the numbers seeming to not be correct, but the dealership and bank said they are ... but .... please see.The loan even includes a XXXX trade POSITIVE equity.
The dealership said the bank and them were fine with us heading out after the deal and we could just show insurance proof later on, also.
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| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I had my mortgage with chemical bank which recently made the official conversion to TCF Bank. This complaint is in regards to TCF. I tried logging in online to make my payment at the end of XX/XX/2020 for my XXXX payment. I couldn't log in to anything. I tried again a few days into XXXX thinking maybe there was an issue with my conversion and it couldn't locate me.
XX/XX/XXXX I called TCF and was waiting for just over an hour. They had a message that they were experiencing high call volume. I couldn't wait any longer on hold at work and decided to try again.
XX/XX/XXXX my coworker stated that they bank with TCF and the account numbers never changed. They did have to reset their online banking. I tried unsuccessfully for 30 minutes to log in with my mortgage loan number, and my old checking account number. But despite my attempts, nothing worked.
I called on XX/XX/XXXX and XXXX, both almost an hour and a half. I had to return to work. No one picked up and there's no way to leave a message either.
I repeatedly tried to log in to my account online. I tried logging into my old way to make a payment as well. I'm currently on hold XX/XX/XXXX, and I've been on hold for over two hours with no way to leave a message and no one to respond.
I work from XXXX XXXX to XXXX XXXX every day. I don't know how to get ahold of someone. I want to pay and I have the money, but there's no way to set something up. I'm afraid to mail in my check with an old account number because what if they don't apply it to the correct account? I just want to pay my bills. I can't go to a branch because I work during the hours they're open.
|
| 02/05/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
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Web |
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TCF Bank Charged me several overdraft fees on my account. The problem is that multiple transactions had been fraudulent. I attempted to call and file fraud alerts on my account on several occasions. Each occasion TCF refused to work with me or co-operate. I filed a XXXX case against TCF. In this case I requested that TCF provide proof that i authorized, signed for, initiated and or requested the transactions that caused the account overdraft.
XXXX {$9.00} XX/XX/2018.
XXXX {$9.00} XX/XX/2018.
TCF refused to provide proof. They provided no supporting documentation, validation, or verification that said transactions were done by me and not fraud. I again requested proof as i had on multiple occasions advised TCF these transactions were fraud and TCF refused to act and expected me to be responsible for paying the fees directly resulting from the fraud accounts. TCF again refused to provide any proof other than a flimsy written statement that the transactions were valid. I called TCF yet again and spoke with a manager advising them this was FRAUD and that I DID NOT AUTHORIZE the transactions and that i demanded proof since they at this point sent the balance to collections, harming my credit over a fraud transactions i should not have to pay. TCF again refused. According to law if they can not provide sufficient evidence or proof validating ownership of debt and or authorization of transactions then they must comply and remove the debt. TCF has refused, going so far as to say that i have to prove it was fraud. Which isn't possible because i have no access to whoever initiated these transactions without my consent.
|
| 08/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
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Web |
|
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I am extremely and utterly furious in the way TCF Bank has been handling my case! I was trying to work out a plan in order to help me get back on track with my missed payments and they stated they would n't review my file unless it was 37 days prior to the sale date. My sale date was for XXXX XXXX, 2016, and I filed for Bankruptcy Chapter XXXX on XXXX XXXX, 2016 at XXXX XXXX. I submitted the documents to TCF Bank Bankruptcy department and confirmed the sale date was postponed. I then get contacted by a real estate agent that has an offer from a buyer willing to pay cash and he explained the short-sale process and the benefits of it. I was then told on XXXX XXXX, 2016 that I had a new sale date for XXXX XXXX, 2016! At that point I have no other options, but to let my house sell. XXXX XXXX from TCF Bank stated there 's no loss mitigation process that can get started because its less than 37 days that is required. THAT IS SO INFURIATING, because I just found out about this offer and now I cant even get that review because they put up another sale date right after I had filed for Bankruptcy! This is a perfect example of how unjust and lack of faith there is in our banking system. This is the vicious style TCF Bank enjoys to perform in order to keep my home and still make more money at the end. It 's banks like these the reason this country is considered greedy and malice! I had tremendous faith in our banking system and in TCF Bank. I thought these government programs were created to help distressed homeowners, but TCF Bank is only interest in how much more money they can get out of my property!
|
| 10/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
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Web |
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Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.
|
| 09/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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TCF Bank announced earlier in XXXX that they would begin charging a {$4.00} fee for paper statements in XX/XX/XXXX. This fee would not be charged if signed up for online statements. On XX/XX/XXXX, I contacted TCF Bank to ensure that my account was signed up for online statements. XXXX responded via secure message on the TCF Bank website stating I was indeed signed up for online statements.
On XX/XX/XXXX, I was charged {$4.00} by TCF Bank. When I realized this on XX/XX/XXXX, I immediately called and spoke with a female ( she did not provide her name ) who said she would reverse the charge and make sure that I was signed up for online statements. I questioned multiple times for assurance that I was signed up and would not be charged this fee again. She assured me and said she wrote it in her note about the call that I would not be charged this fee again. This fee was never returned, despite her saying it would be.
On XX/XX/XXXX, I was again charged {$4.00} by TCF Bank. So now I have been charged {$8.00} by TCF Bank despite being assured multiple times that I would not be charged.
They have a link on their phone app that says " sign up for online statements. '' After clicking this, nothing happens - their link is either broken or purposely made to not work. Once clicked, it goes to a " website thinking '' webpage and never leaves. Their internet website has no link to this what-so-ever. I feel TCF Banks actions are ILLEGAL and PREDATORY in order to steal money from their consumers.
I have attached the initial response from XXXX I received in the TCF Bank Secured messages.
|
| 07/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
There are actually a few issues here, one the illegal practices this company uses to collect a payment i.e spamming me outside of legal hours and more than the legal amount and using threats as well as aggressive behavior to try to collect a debt which is illegal in the state of Texas.
The company has also added a mass of fees onto my account which isn't correct, the original loan agreement was around XXXX including tags title and interest that was on everything I originally signed for the car. The debtor now states the whole amount was XXXX which isn't right at all.
Debtor has hung up on me, doesn't answer customer support calls or have voice mail service or respond or have valid email contact adding to late fee 's and issues. Extra fee 's were never voiced to me nor did I agree to any additional fee 's outside of the base of what I owe.
online login doesn't work, advised this to debtor several times however they never fixed the issue, there is also no option to split payments through the site if you are 1 day late or 2 it would make it 2 car payments rather than just being able to pay one off and paying the 2nd off when you are able to.
Debtor has made comments about my medical condition and fianc 's that was not at all legal or appropriate. If you review all of the review pages for debtor you will find many complaints about debtor adding fee 's to other people as well as customer reports against them through the XXXX and other sources.
As this company is exhibiting illegal collection practices and illegal billing practices this needs to be looked into further.
|
| 08/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account.
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}.
I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship.
This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.
|
| 12/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I was a victim of identity theft in XXXX of XXXX. On XX/XX/XXXX a Checking Account was fraudulently opened in my name with TCF Bank and a deposit of {$750.00} was made. I had already set up XXXX at the time, so they notified me of the account being opened and we called TCF Bank together. We spoke with Customer Service and I requested they close this account as fraud. We were told that the account was marked as fraud and would be sent to their fraud department for follow up and there should be nothing else I need to do. I continued to receive mail from TCF Bank, so I called again ( not sure of exact date ) and was again told that they would close the account as fraud. In XXXX of XXXX I received a notice that my account was assessed a fee for being dormant and the account was now overdrawn by {$4.00}. I called Customer Service again and was told that they would close the account and waive the fee, however the representative was having trouble waiving the fee in the system, so he said he would call me back when the issue was resolved. I didn't hear anything for a week, so I called again on XX/XX/XXXX and was told that the only way they can close my account is for me to send a notarized letter to TCF Bank requesting for the account to be closed. The explanation for this was that their fraud department ( they call it something else, but I can't remember ) froze the account, but did not close it. The freeze prevents them from closing it in their system and, since there is no branch in my home state, the only recourse for account closure is the notarized letter.
|
| 04/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me.
I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.
|
| 10/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
We received a delivery of crushed rock for our driveway in XX/XX/XXXX. We received a bill from the company, XXXX XXXX XXXX XXXX, and entered that company and it's address into the 'bill pay ' part of TCF XXXX online banking. The bill totaled {$1200.00} and we entered that amount into to be paid online ; meaning, TCF would issue a check. This transaction cleared our bank on XX/XX/XXXX. We were informed on XX/XX/XXXX that the check never reached the intended. XXXX at XXXX XXXX was very angry and threatening and although I sent him screen shots and copies of our statement, showing the cleared transaction, he claims he did not receive the payment. His bank verified this. When I tried to talk to TCF about this, I received a myriad of responses from TCF from this being an ACH transaction, ( which it could not have been as I did not have that banking information for XXXX XXXX ), XXXX XXXX is lying, there is no check to get a copy of the front and back from, and so on. TCF also told me to go to a branch to get more detailed information. I did this, but there was nothing the teller could do. By this time, we had closed our accounts with TCF due to poor customer service. I truly spent in excess of eight to nine hours on hold with them trying to resolve this. I have been transferred to more departments than I care to mention. I was told that I could not have a stop payment issued as the accounts were closed. When I told TCF that the accounts were closed due to poor customer service, I was hung up on. I want to know what the disposition of this payment is.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I went into TCF bank in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX on XX/XX/XXXX. I did not see those fraudulent charges on XXXX or XXXX, but I was able to locate it on XXXX. On my XXXX report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX report, I noticed that they had an alias that was associated with my name. I have never had an alias.
|
| 01/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
TCF Bank stole XXXX me. They took money out of my account with the promise they would send a check to XXXX XXXX. They didn't send the check to XXXX XXXX. They took my money, then farmed out the check writing to a 3rd party named XXXX. When I complained on XX/XX/XXXX that they never sent the check to XXXX XXXX, an employee named XXXX told me she would not accept my complaint and would do nothing to help me. She told me to call next week and complain to somebody else because she was not willing to take any responsibility to send my complaint to the appropriate person. This is the 2nd time in the past 6 months they did this to me. They also stole XXXX on XX/XX/XXXX when they took money out of my account but did not send the check to XXXX XXXX. They said they refuse to notify customers when they have an error/trouble processing a check, and they refuse to balance their books, so any time they fail to mail a check to a recipient, they just keep the money and never tell the sender ( me ) that they didn't write the check or it wasn't cashed or whatever. Employee XXXX told me it was my job to call TCF during hours when it was convenient to TCF ; if it's not convenient for the employee, the employee just washes his/her hands and does nothing about the theft of my funds. I won't beg them to write the check I paid them to write. I won't waste my time begging them not to steal from me. I will let them pay {$400.00} per hour to an attorney to answer this complaint from the government. Maybe then, XXXX won't be such a XXXX about my complaint of theft.
|
| 11/29/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
Older American, Servicemember |
|
This is an update and clarification to Complaint XXXX-XXXX which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX.
Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %.
A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received.
He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}.
But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be.
It seems they should be required to make that disclosure. Especially when dealing with the elderly.
|
| 07/10/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
This complaint is for TCF, Identical complaint filed for XXXX XXXX XXXX There are two lenders involved in my complaint. I had a HELOC loan with TCF bank that sold my loan to XXXX XXXX XXXX back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.
|
| 10/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
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On XX/XX/XXXX, my recently deceased father was gifted an individual IRA Retirement Certificate of {$2000.00} from XXXX Wisconsin. This bank was purchased XX/XX/XXXX by TCF Bank. For the last two weeks, I have been speaking with TCF Bank whom can not locate the account ; even though I have provided all the requested account numbers, social security information, and even pictures of the IRA Certificate ( attached ). TCF can not locate the account/nor can not tell me what happen to the funds. They have also not offered to honor the Certificate with interest. Myself and XXXX siblings are the beneficiaries of this IRA, which we can produce. TCF Bank has failed to provide any information about what happened with this account, as it was not cashed. They can not just keep our money, which was saved in an IRA for over 30 years, so to accumulate interest. I have contacted the FDIC and also the Unclaimed Property Division ; whom confirm that TCF did take over XX/XX/XXXX ; and unclaimed property indicates they do not have these funds - and usually do not get IRA 's. I have also reached all to the Controller of the Currency on this matter. TCF is acting in bad faith for no honoring the IRA that can be produced by my family, giving the excuse they lost or can not locate the account. The failure of them to locate the certificate/account is not my family 's fault. This has caused undue duress on our family, whom has already lost a father and utilized too much of our time trying to claim funds that TCF Bank continues to provide us.
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| 07/21/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ).
2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.
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| 02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
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| 01/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX : Deposited {$560.00} into TCF ATM machine at their XXXX XXXX location ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ). ATM machine asked if I can confirm amount of {$100.00} is correct. I rejected amount and asked teller at bank to investigate why the machine is incorrectly reading amount deposited. Teller opens machine and pulls out three crumpled {$100.00} bill notes that were jammed in machine. I deposit remaining cash I did not deposit in machine and crumpled {$100.00} bills into checking account with teller and submit claim for remaining {$260.00} missing.
XX/XX/XXXX : Call TCF customer service as no update for claim was received and was subsequently told claim was rejected. I visit same branch and inquire the same teller from before why claim was rejected. Teller says the machine gets balanced weekly and only {$100.00} in surplus was found so claim of {$260.00} was rejected. I submit another claim asking teller to add a note to investigate through the bank 's cameras both for the time when I deposited funds and when the employee ( s ) who balanced the ATM had withdrawn the machine 's funds.
XX/XX/XXXX : Call TCF customer service and was told claim was rejected again. Visit TCF branch and same teller who now claims that the machine showed a {$0.00} balance for that week and the previously mentioned {$100.00} surplus was from another customer 's deposit. Bank refuses to show footage and in the claim 's notes, there was no investigation into the employee ( s ) who balanced the ATM.
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| 03/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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TCF bank authorized my account to withdraw {$3000.00} to XXXX XXXX in 4 different transactions even though doing the first {$500.00} caused my account to be overdrawn and then proceeded another {$1000.00} withdrawal, another {$500.00} withdrawal and then another {$1000.00} withdrawal all within minutes of each other. I reported it within 48 hours and was told to file a police report. The police detective working my case deemed this identity theft and I proved this to TCF. They still refuse to refund my money saying XXXX XXXX says I approved these amounts and benefited from this! My daughter, who is the primary person on this account, is handicapped and deaf. Her phone was hacked and all her information had been stolen. She in no way approved this nor had she ever used XXXX XXXX prior to this and our history proved this! TCF has been horrible to work with and refuse to help or let you speak to their dispute dept. They closed the account out and sent us to a collection agency for their fees. They took back the {$3000.00} from my daughters direct deposit from her XXXX XXXX check and the rest from her sisters account because I, the mother to both girls, am the secondary person on both accounts and shorted her for her monthly bills. When she called to question it she was told to get the money back from her mother!!! TCF have been nothing but rude to deal with. I am going to need an attorney to get this {$3000.00} back because they are ignoring a police report saying this is identity theft. Please help us!!!
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| 05/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete.
Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed.
XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong!
They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!
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| 03/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Im gon na do my best w/dates. Memory issues. I complained through your company and received a refund somewhere in the area of {$3000.00}. Thank You. But after more investigation I found one year that TCF charged me in the area of {$13000.00}!!!!! In overdraft fees that not only did I not authorize I actually went into the XXXX XXXX branch where Im sure they have copies of the exact date and times I was inside which is only a hand full.That day inside the he I was speaking with a rep from your company on this and even sent original Tcf statements showing the dates ( approx ) a year, the massive amount of TCF unlawful charges they charged my account in 12 month period. I specially went there that day to specifically to demand if there is no money in my account I do not want you to be nice and let it slide along with {$37.00}, $ XXXX. If the money aint in the account DO NOT LET IT GO THROUGH, PERIOD!!! XXXX XXXX XXXX. I know There is settlement in place for victims of this greedy with willful and won ton evil intent took our hard earned money! And the CEO OF TCF Yacht has the name OVERDRAFT on it??? The arrogance of this man. Basically said to me XXXX I got your money .Thank you keep banking with me and Ill keep treating you just like everyone else, my word Anyway about the settlement. Im in one of the 5 states Illinios. And mine is a rather large amount. Please let me know what to do to get involved in that settlement over XXXX?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX
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| 05/04/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.
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| 05/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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On XX/XX/XXXX I requested distribution ( roll over ) of an Roth IRA account from TCF Bank to XXXX on the amount of {$6100.00}. My TCF account number XXXX.
On XX/XX/XXXX I noticed that my money from this account wasn't transferred. I called TCF representative, she apologized for not transferring money as requested and she told me she will send the check to XXXX the same day, and the XXXX should received them within XXXX business days.
On XX/XX/XXXX I called XXXX representative and the check didn't arrived. We had a conversation with TCF and XXXX at the same time and TCF representative told us the check will be send today on XX/XX/XXXX and I have to wait 2 weeks.
On XX/XX/XXXX I had another conversation with XXXX and TCF and we have been told that TCF didn't send any check on XX/XX/XXXX. The said it was just one check send on XX/XX/XXXX. The XXXX representative ask about the address the check was send and TCF was unable to provide this information. We were informed we have to wait 90 days to start to investigate.
On XX/XX/XXXX I spoke with XXXX - TCF manager and asked why the transfer didn't go through and why I have been dis informed that check was send on XX/XX/XXXX. She couldn't answer those questions and unfortunately I lost connection with her during my conversation.
As of today it has been 39 days of waiting and I am very positive that the check won't arrived to XXXX withing those 90 days period.
I hope someone will be able to help me to solve the problem.
Thank you, XXXX XXXX
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| 02/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.
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| 10/16/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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last XX/XX/XXXX, my debt card and pin # was stolen, at this time, people had been stealing card numbers and pin numbers extremely bad that it had caught the news attention. I filed a police report, fraud report with the bank. I was told that they would put a freeze on my account and stop my direct deposits from my employer. If they could n't catch the deposit from entering the account, I could come up to the branch once it cleared and receive my payroll deposit until the investigation was cleared. I came to the branch and was told that it was put toward the negative balance. I received a letter about a week later that because I was negligent in losing my card, I was responsible for the debt. TCF allowed 2 fraudulent checks to be cashed against my account, mind you, I did n't even have the money to cover the checks that was cashed to my account. That 's where I 'm still lost, how do you allow a check to be cashed with the money in the account and not allowing an out of state check to clear to make sure that it is a legit check?
Also, through the police investigation, they have photos of the criminals and the bank knows that it is not me or my son, we had to submit photos. not only was my name on the account, I had a son in college that was on the account as well, so I could send him money throughout the month for his expenses. I have fought this for almost a year.
I 'm so upset about this because not only ca n't I or my son get accepted in a credit union because of this.
|
| 09/03/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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TCF Bank has recently overhauled their servicing infrastructure which includes how a customer makes payments. During this process the customer is forced to re-enroll in their website and set up their payments again. I was able to successfully able to re-enroll with their system and set up automatic payments. However, when the date of payment I selected arrived ( 9 days before due ), no payment went through. Assuming that this would instead go through on the payment date, I waited to see when that would happen. ( On a side note, a customer must enroll into two different systems, one to see balance and statement details for your account AND another to merely make a payment ) The payment did not go on the due date and therefore I made a manual payment that day. Additionally, I made an extra payment XXXX {$30000.00} XXXX a day later, but neither of those payments went through and were subsequently reversed days later. I received no notification of the reversal, I only noticed when the payment was not taken out of my checking account ( thankfully not TCF Bank ).
I have made several attempts to contact TCF Bank, but was disconnected after 2.5 hours each time. Apparently their system does not allow a customer to hold longer than that.
Finally, I have made multiple attempts to contact them via their " Secure Message '' and through regular email, with no semblance of a resolution from either mechanism. Logging into their website also appears problematic now ...
|
| 05/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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My name is XXXX XXXX. During the year XX/XX/XXXX, an account was opened with TCF bank in Florida reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency XXXX XXXX. In XX/XX/XXXX, I, XXXX XXXX, opened an account with TCF bank in XXXX Wisconsin from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XX/XX/XXXX, a payment was made by my bankruptcy trustee to TCF bank for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, XXXX is double reporting the TCF accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with TCF and currently have an open account with them. TCF has updated their accounting, however, XXXX refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
|
| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We are currently trying to refinance with a lender ; however, per our Title pull, we have an existing outstanding mortgage on our home from XX/XX/XXXX from TCF Bank, ( which was a first mortgage from the purchase ) that was never recorded as being satisfied / paid off ( even though it we refinanced with another company in XXXX and our first mortgage was paid off via that refinance ). We faxed a loan satisfaction / release request on XX/XX/XXXX to TCF Bank, and since then this has not been satisfied. We have called TCF Bank every week since then ( sometimes several times a week ) to find out why this document hasn't been recorded yet with our County, and they give a different story every time ( it's still processing, it's delayed, it's been satisfied / processed, it was sent to the County, it wasn't sent to the county yet, etc. ). Also, we can never speak with anyone but customer service, as they will never connect us to anyone in the loan / lien department there. We have been given the runaround for over 2 months now, and since then we have not only lost our loan rate lock ( which we paid over {$2500.00} for ), but also months of lost savings from not being able to refinance ( over {$500.00} a month for several months now ). TCF Bank refuses to send us the document directly so that we can bring it to the County for recording ourselves, and will not give us a straight answer as to why this has never been recorded with our county.
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
On XXXX my debit card was declined. I called TCF bank and they informed me there was suspicious activity on my account. I received a new debit card XX/XX/20 and again noticed suspicious activity on my card. I called TCF to report it. I decided to close my entire account to protect my funds. That same day I went to the XXXX, mn TCF location and closed my account and withdrew my funds. I signed off that I wished to close my account and was handed a slip stating my account was closed. My balance at that time was {$0.00} My direct deposit from my employer went through on the account after it was closed. When I previously closed my act on XX/XX/20 the teller told me and direct deposits would be rejected. On XX/XX/20 I again went to withdraw these funds. The teller told me my account was never closed but had a debit hold. On XX/XX/20 I completed the same paperwork to close my account and again was given a receipt stating my account was closed. My balance at that time was {$0.00}.
XX/XX/20 I received mail from TCF stating my account was over drafted by {$130.00}. The letter states they will submit to collections.
Both times I have tried to close my account my balance was {$0.00}, after withdrawing my funds. There was no reason for TCF to refuse to close my account and verbally and in writing tell me it was closed. I would like to close my TCF bank account and would like them to stop allowing transactions in/out of my close account.
|
| 01/05/2017 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}.
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.
|
| 02/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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On XX/XX/XXXX I requested a refund of a duplicate payment I made to XXXX XXXX XXXX XXXX XXXX XXXX I had submitted two payment on my vehicle auto loan on accident in the amount of XXXX I requested a refund on one of the payments I was not late on my auto loan I submitted all the paper work they requested and the representative told me I should not have any problem getting my money back On XX/XX/XXXX the representative contacted me back and informed me i should be able to receive my money back into my back account as an update well today XX/XX/XXXX I received a phone call from XXXX XXXX and he was very very unpleasant he denied me my money back after I was told several times I could receive it back I explained to him due to the government shut down I was having a hard time paying my bills and supporting my children he did not care he told me I had to leave the money on the car not and he was not going to refund my money back to my account I ask to speak with a supervisor he claim he was but he was not this was the worse customer service ever this company from the dealer to them got over on me I payed double for a car that is only worth a small price blue book value I been having problem since I purchased the vehicle and for them to not want to give me my money back after I told him I needed to support my children is wrong please help me take action on this company and this employee so he want treat another customer this way
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have a second mortgage with TCF bank. For the past 11 years we have been paying {$440.00} per month. We used to get a once yearly statement. Recently we have getting a monthly statement. I realized that the amount of principal credited each month was questionable. It should more principal credited each month.. From the enclosed statement you can see that was not the case. In fact almost 2 years of payments show no principal reduction at all. As you go over the statement you find many inconsistencies. Such as we have made the XX/XX/XXXX payment on XX/XX/XXXX. The principal on the statement said {$250.00}, yet we were credited {$120.00}. We were credited {$170.00} on XX/XX/XXXX and then {$140.00} on XX/XX/XXXX. Why would it be less? Why would it be less again on the next payment? I called TCF on Tuesday XX/XX/XXXX at XXXX my time.I spoke with XXXX and she had no explanation. The called last 26 minutes and she acted like I did n't know what I was talking about. She said she would send out a statement and call me in a week. I received the statement which have enclosed. Today is XX/XX/2017 and no call back The money is automatically withdrawn by TCF from another TCF account on the XXXX of each month. Due to circumstances at the time we had to accept a loan that was not very good. We have lived up to our part of the agreement all these years. Due to a first mortgage that is almost paid off TCF would not refinance this loan.
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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In XX/XX/2017 I made two loan payments on my vehicle which should have been applied toXX/XX/XXXXr andXX/XX/XXXX. InXX/XX/XXXX I made a payment which would have accounted to XX/XX/XXXX.XX/XX/XXXX we had a thin month so I did not make a payment since that month 's payment was already made. In XX/XX/XXXX, I made my XX/XX/XXXX payment 8 days late for which a late fee was added. On XX/XX/XXXX I made another payment which would have been for XX/XX/XXXX. My next statement with the company still indicated my XX/XX/XXXX payment was due and a late fee was charged on my late fee that was assessed on myXX/XX/XXXX payment. I made myXX/XX/XXXX payment on theXX/XX/XXXX, one day before the due date of theXX/XX/XXXX. As of today, company still shows that I owe for myXX/XX/XXXXpayment. I contacted the company on XX/XX/XXXX to discuss this. After reviewing my payments with the CSR, he agreed that there appeared to be an error on the part of the company and attempted to transfer me to the department best suited to handle this. The transfer could not be made so he sent a message and advised me to call back on Friday XX/XX/XXXX. I called on XX/XX/XXXX, the CSR saw the note on my account and attempted to transfer me without success. She assured me she would email the department and I would be contacted within 24 hours. As of XX/XX/XXXX I have not received a response and my account has now been assessed another late fee on the late fee.
|
| 07/29/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
My parents are in the process of organizing their estate and this spring they found 6 CDs that they forgot about. One was for my brother, sister and me and the last three were for them. They have matured and are quite old. I realize the bank ( TCF Bank ) is supposed to keep them for 7 years all the while trying to contact the owners of the CDs. Not one of us was ever contacted. I have been with the bank just about my entire life and my name has not changed, so there is no way they couldn't find me.
My siblings and I have been to different TCF branches and have all hit walls. They say they have no record and there's nothing they can do about it. Clearly, we need to change banks. I asked TCF if they could tell me who escheated these or who is a part of that department and they continually transferred me to the wrong departments, even sending me to a collection agency. I have looked into the state ( Minnesota ) to see if they have it, but there's no record of any of these 6 CDs. I've looked at Missing Money and unclaimed property. I do this every two years for the past 20 years. Our last name never comes up with either of these sites.
CD # 1 : {$500.00}, 12 % interest, matured XXXX CD # 2 : {$500.00}, 12 % interest, matured XXXX CD # 3 : {$500.00}, 12 % interest, matured XXXX CD # 4 : {$17000.00}, 15.319 %, matured XXXX CD # 5 : {$16000.00}, 11.767 %, matured XXXX XXXX # 6 : {$17000.00}, 8.665 %, matured XXXX
|
| 07/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
From Friday the XX/XX/XXXX to Saturday the XX/XX/XXXX. ( TCF Bank ) I have noticed has continually been slow ( seems intentional ) to update banking transactions. ATM, debits and credits. It takes them up to 5 days to update and post all transactions " even if they occurred on the same day ''. Not only that! But the posting on my cell app and on PC website access have shown different dates for the update and postings of transactions. They smile when I seriously question their practice and they say that all banks do this. This I do not agree with. What I do see is this. " If I was not paying attention '', to a budget or what financial transactions I undertake. The TCF Bank would be charging me " fees '', that should not be occurring. What my experience has said to me is this, " once I don't look '', I will get hit with bouncing fees of {$37.00} or more depending on how many transactions bounce. The current frustration is that on the XX/XX/XXXX my insurance payment posted and was confirmed by my XXXX XXXX that it was collected. But the TCF Bank today on the XX/XX/XXXX told me they did not get paid because it doesn't show on the posted accounts. Mind you last night on the XX/XX/XXXX on the PC and cell app it showed that it was posted. But this morning as of XXXX it has disappeared from the transactions all together. I believe that I am not the only one going thru this erroneous practice from TCF Bank.
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
TCF repeatedly sent me promotions like this that said I was going to be given XXXX for opening an account. This happened to me once with a XXXX promotion and once with a XXXX promotion. Can you please beg them to give me the promotions that I am owed for XXXX with compensation for the discrimination linked to my Aunt and Mom's XXXX.
----- Forwarded Message -----
From: TCF New Accounts
To: "XXXX"
Sent: Sunday, XX/XX/XXXX, 2012, XXXX XXXX CDT
Subject: Don't miss out: Your $XXXX cash is waiting
Open an Account
Don't miss out:
Your $XXXX cash is waiting
Hi XXXX,
We know how busy life can get but we hope you haven't forgotten us. Did you know that when you apply for a TCF account online your information is completely protected and it only takes eight short minutes to get approval?
Time is Running Out:
We'll put $XXXX cash in your account.
Come back today and we'll give you $XXXX cash when you open an eligible TCF checking account and make 15 qualifying transactions1. What's a qualifying transaction you ask? It's simple, really. See below for all the details.
Plus, opening your account online is not only faster than going to a branch, it's just as safe and secure. So rest easy and come back to see us today.
Sign up in 8 short minutes
We keep your private information completely safe
Hundreds of branches, open 7 days a week with extended hours
Open an Account
|
| 04/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I applied for an extension on XXXX XXXX . The company emailed me back and stated they received paperwork. They kept calling me every day up to 5 times a day until I picked up on XXXX XXXX . They stated they needed my payment in order to avoid repossession. I told them I had sent in paperwork for an extension, the agent stated they never received anything and asked me to send again. So, I did. Payment rolls around and I am unable to make a payment over the phone or the website. At this point, they have refused to accept my forms of payment unless I make it through XXXX XXXX which does not exist in XXXX , CA and they will not take payment over the web. They called for 18 days when they were not supposed to and now I am the irresponsible client because I refuse to go out of my way to make a payment. I also have all these late fees that I have been paying and when I ask them where my money is going they do not have a straight answer. My payment is XXXX and I pay XXXX which covers my late fee, but for some reason, I have unpaid late fees. This does n't make any sense to me. I asked them to have a VP or are a manager c all back and I keep getting calls from the agents who say I can speak to their supervisor. They have refused to get me in contact with someone higher up in the company and I even got into an argument with an agent today XX/XX/2017 at XXXX XXXX .
|
| 09/19/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card?
I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.
|
| 01/02/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters.
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car.
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report.
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.
|
| 04/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.
|
| 09/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I'm requesting payoff of my mortgage. This payoff needs to be good through the end of the month ( XX/XX/2020 ). tfcBank request attempts below : Three loan processor requests faxed to XXXX since XX/XX/2020.
Request made by me via TCFLoanServicing@tcfbank.com on XX/XX/2020 which resulted in automated email reply from tcfBank requesting I fax request to this number, XXXX.
Two phone call request attempts by me to tcfBank XXXX loan servicing department. The phone was answered and then the call was ended with no one speaking ( I was hung-up on ).
First request attempted by me at Chemical Bank to tcfBank transition information line XXXX resulted in no one picking up after XXXX minute hold.
Second request attempted by me at Chemical Bank to tcfBank transition information line XXXX, spoke to XXXX, she transferred me back to the tcfBank loan servicing department despite me conveying my inability to get through to this number. I requested she stay on the line with me, she agreed, I was then put on hold, she came back on the line and said she was unsuccessful at reaching tcfBank and suggested I email them. I told her I had, she then tried tcfBank again and I am presently on hold waiting for them to answer her ( this call has reached 61 minutes and counting ) I am sending this payoff request from fax number XXXX, as this is the only fax number available to me during COVID.
|
| 06/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank.
|
| 01/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.
|
| 05/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I've been banking with XXXX Bank for about 4 years now. I've been a small business XXXX for about 20 years and due to Covid-19 my business has suffered. I decided to apply for a PPP loan and was approved and funds deposited into my account on XX/XX/XXXX. The deposit was in the amount of {$14000.00}. On Tuesday, XX/XX/XXXX, I checked the balance of my account and discovered that XXXX Bank had put a hold on my deposit. I contacted the bank to ask what the problem was and was given a ridiculous excuse that because the funds was deposited into an account that was not a business account, I had to provide documentation that I'm entitled to the deposit. I provided the bank with a copy of my XXXX Schedule C-tax return, a copy of my EIN number that I had faxed from the IRS, and a notarized copy of the loan application and signed documents for the loan. I submitted the documents on XX/XX/XXXX at XXXX CST. I contacted the bank 3 different times today only to be stonewalled and told that my documents are being reviewed, my business has to be verified with the XXXX of XXXX, someone will give me a call back. Excuse after excuse is what I've been given. I reviewed the bank 's policy when it comes to ACH deposits and no where does it state that deposits can be withheld from the customer without proof of wrongdoing. My account right now shows a balance of XXXX. Please help me.
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.
|
| 09/23/2017 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail.
In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made.
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine.
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.
|
| 05/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
I WAS NOTIFIED BY A COUPLE OF CREDIT AGENCIES THAT TWO INQUIRIES WERE POSTED TO MY CREDIT REPORT. I CONTACTED THE FINANCE COMPANIES, XXXX XXXX XXXX XXXX/XXXX XXXX AND WAS TOLD THERE WERE OPEN ACCOUNTS. I'VE NEVER HEARD OF THESE COMPANIES OR APPLIED FOR CREDIT. ON XX/XX/2019 I RECEIVED A CALL FROM A XXXX XXXX FROM XXXX, PHONE NUMBER XXXX, EXTENSION XXXX. SHE INFORMED ME THAT A CLAIM WOULD BE FILED AGAINST ME REGARDING A LOAN THAT I RECEIVED FROM XXXX XXXX FOR {$2400.00}. I TOLD HER I'VE NEVER HEARD OF XXXX OR RECEIVED ANY MONIES FROM SUCH COMPANY. I TOLD XXXX I WAS A VICTIM OF IDENTITY FRAUD. SOME ONE USED MY NAME AND INFORMATION TO OBTAIN A LOAN. SHE STATED THAT SOMEONE KNOWS ME VERY WELL. I INFORMED HER THAT I HAD FILED A COMPLAINT WITH MY LOCAL POLICE DEPARTMENT REGARDING FRAUDULENT LOANS OBTAINED FROM PREVIOUS COMPANIES. I HAD SENT A COPY OF THE POLICE REPORT TO XXXX.
PER XXXX XXXX THE SUSPECT WAS ABLE TO CASH THE CHECK AT TCF BANK WITH THE ACCOUNT NUMBER OF XXXX. I SPOKE WITH SEVERAL CLERKS AT TCF BANK REGARDING THIS ACCOUNT, XXXX, XXXX, XXXX AND XXXX AT XXXX. I TOLD THEM I WAS A VICTIM OF IDENTITY FRAUD AND TCF BANK ALLOWED THIS CHECK TO BE CASHED AT THE BANK. I WAS TOLD THAT I WOULD RECEIVED FORMS IN THE MAIL TO FILE WITH TCF BANK. AS OF TODAY, I HAVE NOT RECEIVED ANY DOCUMENTS. THE FRAUD TOOK PLACE WHILE RESIDING IN XXXX, WISCONSIN.
|
| 02/26/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
As soon as we were impacted from the COVID-19 Pandemic, we reached out to the banks of our loans for COVID relief.
TCF Bank in Minnesota refused, reported negative marks on my credit and harasses us with calls and emails, including former employers. They even updated their payment website in the middle of the pandemic forcing its customers to re-submit their account information. TCF Bank charged late fees when we were unable to make a payment using their previous system and their new system was down for 2 months ... claiming due to COVID19!!
We requested in voice mail ( they are not available when you call in ), email and fax ; including providing documentation that is not required by Federal, our State or any other Forbearance plan that can be found.
In XX/XX/XXXX, we were able to resume payments. However, we are still in an email battle with XXXX XXXX ( Retail Loan Supervisor ) without any relief. They claim " you have to call us and we fill out a form on our end, you can not submit the form yourself ''. This form asks for documentation not required by CARES or other Forbearance. We provided without the call as we can not connect on the phone.
This is clearly a method to extort late fees from customers.
Also note, this same bank received almost {$400.00} XXXX in us tax dollars from a government bailout back in XXXX!
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
Today is XX/XX/21. I am a military member currently serving XXXX in XXXX. I deactivated my debit card and ask to get sent a new one. The bank refuses to sent me a new card XXXX, forcing me to create a new bank account here in XXXX. After doing that and start a transfer of money over to my new bank account, the money transfer process got suspended because they thought it was fraud. I called and found out that they froze my bank account. I can not do anything, transfer the money anywhere unless I come into the bank. Which I told them I can not do that, and then they told me I have to write them a notarized letter saying it was me. I could've easily verify it is me over the phone like any other bank, and even offered to sent them an email with a picture of my IDs using the email that was on file. They would not accept. Their forcing me to go to a US Embassy to get my letter notarized or Im not gon na be able to spend and use my money. Now I am stuck with no money to even buy food and have to wait for a letter to be sent and get it notarized. The service is incredibly rude and unhelpful and the bank will not do anything to help an active-duty service member. It would be easy if I was at home but I left in order to serve this country and risk my life. And now they are making things more difficult and I cant even pay for my own food.
|
| 05/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX of this year, I received a new debit card in the mail from TCF Bank. I activated the new card promptly. I live in XXXX , and most days I commute to XXXX XXXX using XXXX XXXX XXXX 's XXXX XXXX XXXX " XXXX XXXX XXXX or buses, which use a fare system operated by XXXX . Through school and paid for with my tuition, I have a U-Pass with unlimited rides with XXXX . To get on a bus or train, I wave my U-Pass over a card reader, and a screen lights up green informing me I have provided acceptable fare. Like many people, I do not remove my U-Pass and individually scan it over the card reader ; rather, I wave my money clip containing several cards and cash over the reader to save time. Since XXXX XXXX , this has never been a problem, but that changed with my new XXXX XXXX debit card. Unbeknownst to me, between XXXX XXXX and XXXX XXXX , XXXX charged my TCF debit card instead of the U-Pass for a total of {$120.00}. TCF Bank and XXXX never informed me that their debit card could charge at transit card readers, and I was unaware a checking account could even possibly be charged in such a way. TCF Bank refused on multiple occasions to refund me the {$120.00}. XXXX refused to even look into my case, flatly stating " no refunds '' despite me having a U-Pass with unlimited rides.
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX.
I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything.
I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer.
The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.
|
| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opened an account with TCF called premier 50 in XX/XX/XXXX-XX/XX/XXXX. My account number ends in # XXXX I was not aware that they were going to charge these accelerated fees for nsf checks which they did me in XX/XX/XXXX, for over {$500.00} dollars. My account was only due a charge of {$35.00} or {$70.00} when I learned that I had an overdraft balance.
I contacted the bank regarding this ruling asking for a reversal of this amount because I was not aware of this change. There were never any signs posted, nothing in the newspapers, etc that these accelerated charges were about to happen. Since most of the time, I used internet banking, nothing was listed to refer me to this change in policy.
Also, there was no information regarding this change at the teller windows. It was almost as if it was hidden since I had opted for statements on line. During the same time I was complaining the television stations carried the story of the upset customers and claims were made to the XXXX controller and Senator XXXX XXXX 's office. TCF still did not reverse these fees. I would have never agreed these fees or services.
I was required to pay this {$500.00} before I could close this account. I am requesting a reimbursement of my fees that I paid for this change in policy that was unfair to me in accordance to the recent ruling.
|
| 04/19/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
I received a letter from TCF National Bank and a questionnaire to be completed in regard to money transferred to another bank. The amount of the funds transferred totaled {$900.00}. They requested from me : " What is the purpose of the transactions? '' " Who are the beneficiaries/originators of the funds? '' " Provide name, physical address, DOB, occupation, and nature of your relationship for the originator/beneficiary of the above mentioned transaction. '' I called TCF to get more info and was told they wanted to get to know their customers better ( I 've been a customer since around XXXX ), t hey want to know where the funds went ( they transferred them to XXXX XXXX at my request ). If I do n't comply, they 'll close my accounts. Told them this is intrusive, that I 'm not doing anything illegal and that I 'm not willing to provide the information. I was told that they have a right to obtain this information due to the Patriot Act. This Act was not mentioned in the letter, or the questionnaire, and was only brought up by TCF at least 10 or 15 mi nutes into the conversation. The person had no section number or any other info regardin g the Patriot Act. TCF state d more than once to me that my accounts would be closed if I do not comply.There also was a deadline to return the completed questionnaire.
|
| 03/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX I requested XXXX bank remove my PMI because upon request I received a letter from Chemical Bank telling me I can request it be canceled when I reach 80 % of the original ltv. XXXX told me I was at 81.6 %, the principal reduction amount Id need to be at 80 %, and that I would need to submit another form. In XXXX I made sure I was at 80 % before I submitted the form.
Two calls and one month later I am being told I need to pay {$150.00} for an internal and external BPO to cancel the PMI because of the type of Fannie Mae loan I have. I was not even aware that my loan was with XXXX, and XXXX who is the servicer never disclosed this requirement to me. Neither did XXXX the original lender who was acquired by chemical bank and then XXXX. I am looking to sell and have a comparative market analysis statement from a realtor showing how the value of my property has increased as most properties in this market have. If I was told I would have to pay {$150.00} at 80 % ltv, I could have paid {$350.00} a couple years ago and got an appraisal showing the value went up and that I was at 80 % of the increased value. Additionally, Im now at 78 % of the original ltv and was told they will not cancel the pmi until XX/XX/XXXX.
I feel I am being discriminated against and these predatory lending practices should not be allowed.
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight.
Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees.
I would appreciate your attention to this matter.
Sincerely, XXXX XXXX
|
| 06/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}.
I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees.
I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.
|
| 02/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The vehicle was purchased on XX/XX/XXXX. On XX/XX/XXXX i received a call in regards to the late payment and after discussion with the agent, I decided to voluntarily surrender the car. I was given instruction on what steps to follow to do so. On XX/XX/XXXX, I forwarded the email as instructed to the loan representative. I continued to receive harassing phone calls and email from XXXX XXXX. On XX/XX/XXXX, i was informed I could not send a typed email and the request would need to written, in which I then wrote and attached a letter asking that the vehicle be picked up. I continued to receive harassing phone calls and emails during the month of XX/XX/XXXX into XX/XX/XXXX. The vehicle was picked up on XX/XX/XXXX. On XX/XX/XXXX, I received a certified letter stating the car was picked up due to the agreement being broken and it would be sold withing 21 days in which I would receive a letter regarding the balance. This has not happened. I filed a complaint with XXXX on XX/XX/XXXX in which the XXXX XXXX acknowledges it was a XXXX and that the credit agencies have not been notified, but as of XX/XX/XXXX, the credit bureaus still was not notified of the XXXX and the account currently reflects 180 days late. I also have not received any notification regarding the sell of the vehicle and corrected balance owed.
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/20, I logged in to my son 's account to send him money for his text books & saw a large check amt deposit of {$15000.00}. I immediately contacted TCF to alert a fraudulent transaction and was told the account will be frozen & an investigation started right away. However it was never frozen & the hackers ended up withdrawing over {$10000.00}.
I called the bank for a consecutive 3 weeks straight and every time it's 2 hours on the phone being transfer from one dept to the next. I finally received a letter stating the the hack was my son 's fault bcuz his device was used to access his ATM card & XXXX. The bank then started moving money from all my family 's account to cover the fraudulent check that was deposited & how they came to this conclusion. I asked for proof of the check to see where it originated but never received it. They kept sending me the same info about how they can't reimburse me on the disputed acct.
If an investigation was done, why haven't the docs i've been requesting provided. On top of withdrawing all my hard earn money, over {$8000.00} of all my savings, they also took over {$2000.00} from my oldest account & then froze all accounts & disabled our ATM cards. I've been with TCF bank for over 24 years & this is what it all boils down to.. I need my money refunded.
|
| 07/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On Friday, XXXX XXXX, TCF Bank of Minnesota changed over its procedures for online account access ; that is, the previous access page was no longer operational and customers were directed to a new page on which they could create new logins, passwords, and security questions. ( There was no option offered to " '' remind me later. '' ) I erred in creating the new information. This meant I needed to call for help. I was placed on hold for approximately 20 minutes, listening to the loop of ads for the bank. When I was connected to a person I was helped -- more or less -- but found that while I could now access the account from the computer on which I 'd been helped, I could not do so from my other computer. I needed to call the next day and experienced the same long wait and loop of ads. This time the CSR could not resolve the problem ; I was offered a callback from the bank 's IT staff in " two or three days. '' We 'll see. My complaint is not that TCF was in any way crooked or conniving, but stingy or just XXXX. An instant changeover means many customers with problems ; in turn, this requires a large staff. It was evident that there were not enough staff and that the staff was not sufficiently well-trained. As a result, I -- and I 'm sure a huge number of others -- were poorly served by TCF.
|
| 08/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate.
I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical.
I demand a referral to the FBI.
|
| 03/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.
|
| 12/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/XXXX I deposit XXXX. I was told the funds would be available the next day. I went the next day XXXX. And withdrawal the money. I noticed a few days later my account was in the negative, I called the asked why and they said the check hasn't cleared. I asked them why did I get the money and they said it just may take longer. Than on Tuesday XX/XX/XXXX I went to deposit a check and I found out my accounts was frozen. Said the check I deposited was fraud which I had no idea. But I never received notification, the gave me the money and my account doesn't show anything wrong. It even shows the running balance. If there was a problem the bank should have never given me the money. Please help me unlock so I can take care of my family.
TCF CLASSIC SAVINGS {$0.00} XXXX Manage my account Enroll and view online documents Export Transactions Search Search Advanced Search Options Running Balance Pending You have no pending transactions.
2020 Posted XX/XX/XXXX FORCE POST DEBIT MONTH MAINTENANCE Utilities/Gas/Electric - {$1.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$4000.00} {$1.00} XX/XX/XXXX DEPOSIT Income {$4000.00} {$4000.00} XX/XX/XXXX WITHDRAWAL Financial Services/ATM - {$350.00} {$1.00} XX/XX/XXXX ACH CREDIT STATE OF ARIZONA Uncategorized Income {$350.00} {$350.00} XXXX
|
| 08/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The co-owner of an auto loan with Gateway One Lending & Finance filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that Gateway incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
|
| 08/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.
|
| 12/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have my auto loan of 4 years with Gateway One Lending and Finance. My account number is XXXX. I pay through direct pay from my credit union checking account. When my account went into arrears, I was locked out of my online account for not answering representatives phone calls. I have notified the account supervisor XXXX XXXX in response to e-mails she and the credit department sends letting me know they are trying to reach me via telephone. I told Ms. XXXX I do not have access to my online account and NEVER get paper statements so I have no idea how much I owe, ever. Ms. XXXX has stated she has updated my account to allow me access but I still can not get in. She also replied they send statements to my address, which they never do. I have even updated my account until my recent move XX/XX/XXXX.
How am I to keep up on an account I have no idea how much I owe? Ms. XXXX told me I owe {$730.00} on XX/XX/XXXX after I told her I just sent a payment of {$300.00} and have no idea how much I owe for the reasons stated. My payments are {$440.00} per month, so although she told me I owe two months, I owe less than two months and actually less than 1 after my {$300.00} payment.
I need statements and I should not be locked out of my online account because I do not take their calls.
|
| 01/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.
|
| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired.
On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it.
I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My husband and I had a business line of credit with XXXX XXXX, secured with equity from our house and commercial building. This line of credit was paid in full and closed in XXXX. In XXXX, when we sold our commercial building a lean from this line of credit showed up making it difficult to close on our sale. After much hassle we were told the documentation had not been filed by XXXX XXXX correctly. Chemical Bank had purchased XXXX XXXX and we provided proof of payment in full. Chemical Bank then gave a written release of the mortgage for the commercial sale of the building. We have recently accepted an offer for the sale of our house. Again, this line of credit shows up as a lean making it difficult to close on the house. TCF Bank has purchased Chemical Bank. I have talked to the local bank manager who states it could take awhile to resolve as it goes to a regional loan officer. They were unsure as to when this could be resolved, which could affect the sale of our home. This problem should have been taken care of in XXXX, then again in XXXX. I want this to be resolved. I am glad my husband and I did not die and leave this mess for our children. I would appreciate a prompt resolution of this problem as it not only causes undue stress but may affect the sale of our home.
|
| 10/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account.
I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.
All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions.
The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.
|
| 01/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
|
| 06/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We were behind in our house payments by about {$9400.00}. We took advantage of the XXXX program in the fall of XXXX, that President Obama had just started. The XXXX program assists in getting you caught up to current. Then they assist you with a monthly amount for 3 years. After that you are to stay current with your payments for 5 years, and then the loan is forgiven and you get the lien release. Because of unemployment, in the summer of XXXX, we got behind by 3 months. The XXXX allows for a 2 month skip. HUD wants us to pay back the full amount of {$32000.00}. The break down assessment that HUD sent us showed the 3 years of monthly assistance, and the amount that our lender, TCF Bank charged. I do not have an issue with paying back the monthly amounts of assistance, but there is a {$22000.00} amount form the lender that does not have break down. I have been in contact with HUD, but they have bot been able to get any answers fro TCF. I also have tried contacting TCF and their response to me was that their records have been deleted because of the length of time since we started the XXXX program. I am not sure why HUD does not have that {$22000.00} break down. We would like to take advantage of the current low rates, but can not until this is resolved.
|
| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}
|
| 06/03/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I utilize TCF Bank 's online bill pay.
TCF allows you to set a " deliver by '' date, which is great, except it rarely actually happens. Historically, my rent check is often delivered XXXX3 days AFTER the deliver by date.
I time my payments to correspond with my payroll deposits, to make sure that I am timely with my payments. I have payments going out biweekly. The payee in this case is my Chapter XXXX Trustee, for Bankruptcy repayment.
The payment that was to be delivered by XXXX XXXX, was sent on XXXX XXXX, and actually received on XXXX XXXX and then deposited on XXXX XXXX. Meaning that the check was processed two days prior to my direct deposit from my employer.
TCF then assessed an over draft fee for the {$500.00} Check, as well as an automated transfer to a small investing firm ( XXXX ). As my direct deposit would not be delivered to the account until roughly XXXX, XXXX XXXX there were no funds to cover the {$500.00} check.
Historically, all checks to this recipient have cleared the day AFTER the " Deliver by '' date.
It is my belief that this practice leaves open a potential for fraud, by processing mailed payment runs early, collecting overdraft fees and then hiding behind some disclaimer ( That I can no longer view on their site ).
|
| 10/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I filed a dispute with TCF National Bank on XX/XX/2019 due to fraudulent charges on my account. Someone had hacked into my checking account and stole {$600.00}. They accessed the money via XXXX and charged my account {$20.00}, 30 separate times in total transactions. I filed a police report with the fraudulent charges as well. TCF National bank advised that the dispute was closed in my favor, and that they would credit my account the balance that was withdrawn from my account without consent. First, they advised that the funds would be restored to my account. Then they indicated that they had a new policy put in place and needed to send out an official bank check for the amount. I was advised on XX/XX/XXXX that a check was processed and sent and that I should receive it within 7-10 business days. I called on XX/XX/XXXX because I hadn't received a check as of that day, and then was advised that it was cut on XX/XX/2019 and it would take an additional 7-10 business days to be delivered. I called TCF customer today, XX/XX/2019, as I still have not received the check, and they advised that they do not have a date in which the check will be cut because they are being pushed back. I just want my money back that they advised they were going to send to me.
|
| 01/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX, 2016, I applied for a mortgage, at XXXX XXXX, for a condo in XXXX XXXX Michigan. I wanted a fixed rate loan, but the loan officer told me that she could only offer me an ARM. I told her that I didn't want the ARM - I'd rather back out. She told me that once I had been working a few more months at my job, she would refinance my ARM into a fixed rate loan, with no closing costs. She also signed a formal letter stating that she intended to refinance my ARM to a " standard 15 year fixed rate not to exceed 2.875 % with no closing cost paid be you ''. So, I agreed to the ARM. I have an electronic copy of the letter.
The first time I called her to honor her promise, she told me to wait a little longer until the national interest rates went back down. I called her every couple of months. Either she wouldn't answer, or say that she would she would get to it right away. She has never honored the promise. The last time I called her was a couple of months ago.
She has since moved to XXXX XXXX. XXXX XXXX has been bought by Chemical Bank, which is now TCF Bank. I called TCF, and they refuse to honor the promise because it was made by a bank that no longer exists.
Interest rates are currently low, but I still can't get her to honor her promise.
|
| 11/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I was helping a friend who had lost his debit card, by cashing a {$200.00} check he wrote me so I could give it back to him. I deposited the check into my account because my friend told me it should be available the same day, but it was not, so he then wrote me another {$200.00} check and I cashed it inside a TCF Bank. A few days later, my account is now negative by {$230.00}. On XX/XX/XXXX, {$200.00} was deposited to another account. On XX/XX/XXXX, I received a {$20.00} deposit fee. On XX/XX/XXXX, {$200.00} was deposited to another account. OnXX/XX/XXXX, I received a {$20.00} deposit fee. I did not deposit any money and I am yet to be told how my account being negative makes sense. I called my bank and the lady who was assisting me told me multiple times ( after being asked multiple times ) that the only way to fix my account is by depositing {$230.00}. When I created my account I said I did not want my account to be able to go negative so I do n't see how this is so. I was told that the money was sent back to the check-owners account because he did not have sufficient funds, so I do not see how this is so. And if neither of our accounts had the funds to cover a {$200.00} check, then why TCF Bank allowed me to cash it, I would like to know.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
TCF Bank has placed all my accounts as Dormant. Since I moved to East Coast, I have not been able to visit any branch as they don't have any branches anywhere on the East Coast. They arbitrarily started charging " month maintenance '' and " dormant account '' fees in the past, and I placed a complaint ( # XXXX ) for my dormant checking account. Fortunately, TCF Bank decided to reverse these fees after my previous complaint. Now TCF Bank started to arbitrarily charge similar fees to my other two dormant savings accounts.
I called again TCF Bank today ( around XXXX XXXX EST on XX/XX/2021 ) hoping they will resolve this issue, but the person who was helping me was not providing accurate information, stating that " no fees were being applied to any of my accounts ''. When I further inquired on the balance, the person ackowledged there were fees, but sated did not have the ability to remove any fees or explain why they started charging these fees. After asking to escalate and talke with a supervisor, they stated that the only way to remove any fees would be by visiting a branch in person, which would be expensive and time consuming for me as I moved to a different state. No electronic access is possible because the accounts are " dormant ''.
|
| 09/27/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
- We opened a home equity loan with TCF in XXXX.
- We have never missed an on time payment.
- TCF has been taking the monthly payment of {$630.00} automatically out of my account for years.
- TCF cancelled that automatic monthly payment with the XX/XX/XXXX payment due without my knowledge or consent, causing TCF to default.
- We've received a recent loan statement with an amount due of {$7400.00} XX/XX/XXXX.
- There is no basis for this bill.
- I've repeatedly tried to contact TCF at the phone number provided of XXXX.
- You are left on hold for more than an hour. I've tried multiple times to get through.
- This loan has been in place since XXXX, the initial amount approximately {$86000.00}.
- After 13 years, the outstanding principle is showing {$81000.00}.
- We've made {$94000.00} of payments on time, never a late payment.
- This amount doesn't include the additional {$32.00} insurance that we've paid for the 156 months as well.
- In this 13 years, only approximately {$5000.00} has been applied toward the principle.
- Now we are seeing on this loan statement that the maturity date of the loan is XX/XX/XXXX.
- We are seniors. The length of this loan is ludicrous ; 41 years. We wouldn't even be alive that long to pay it.
|
| 05/30/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.
|
| 01/01/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is to previous complaint # XXXX closed cuz I didn't reply in time. TCF bank never paid my 2019 winter taxes I had too, They keep sending payment to local city instead of county. So I Iet them know they owed me {$84.00} for tax payment. I received a call from a rep named XXXX that they were only going to reimburse the interest not full payment cuz it came out of error acct not my escrow. I said how was that since my escrow acct was short almost same amount as the tax owed they didn't pay and to show me where its still in the mortgage escrow. She told me she would get back with me. Its been 3 weeks and no phone calls no reimbursement nothing. Now I know this isn't a huge some of money thank goodness but I expect my money returned to me. This bank is handling my mortgage and money and have no problem taking it. I expect some respect of being called and issue taken care of. This has been going on for over six months. There is no real way I have found to contact upper management because unfortunately no other employee has resolved this is. I feel they should be fined and I should not only be reimbursed but restitution made to me for the anguish of dealing with poor banking dealings. Looking to talk to someone in company higher up
|
| 12/02/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account.
|
| 10/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.
|
| 12/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.
|
| 09/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TCF Bank charged my account an overdraft fee totaling {$180.00} dollars. How can they charge an overdraft fee for each small purchase around {$5.00}. Is it not more reasonable to charge an overdraft fee to your account at midnight if you account is overdraft rather than charging {$35.00} on every small transaction that happened in the day.
While it is a good idea to keep track of your current balance, TCF does not have a customer friendly services online and on their app. For instance, their website is so confusing and asks for multiple secret questions everytime I try to log on.
I have checking accounts with other banks and when I go overdraft in the day, they send a notification to my email, and regardless of how many transactions I charge to my card they do n't charge the overdraft fee of {$35.00} to my account if I make sure I deposit cash into my checking account before the daily deadline around XXXX.
I have to say that TCF Bank representatives were totally eager and indifferent about charging their customer {$84.00} dollars for going overdraft by {$10.00}. I was dismayed by their customer service and how they treat their customers with contempt. I have since closed my checking account with TCF Bank.
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I had my mortgage with Chemical Bank. This past XXXX I was informed that TCF Bank merged with or acquired Chemical Bank and my mortgage was to be paid to them. I received my XXXX Loan Statement from TCF Bank. I made my loan payment online like I always did and received a confirmation from TCF. That was XXXX XXXX. A week later I received a notice from TCF Bank that my payment ( automatic transfer ) was returned because because they were unable to locate my account even though the loan number was correct. I called immediately and was on hold for over an hour never able to reach anyone. I made numerous attempts to call them over the next couple of days just to experience the same wait time. On XXXX XXXX I went on their website to pay again. Once again I got a confirmation. I check my bank account from which the payment will be processed but there is no indication that funds were withdrawn by TCF Bank. I have made numerous attempts to get through to TCF Bank only to be put on hold for way, way, way to long. There is no explanation on their website or by letter that they have problems. This is no way to treat a customer. As soon as I am able I will be moving my mortgage to another company. Very terrible service!!!
|
| 08/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX I got notification that my loan servicing got transferred from " XXXX XXXX XXXX '' ( XXXX XXXX XXXX ) to TCF Bank ( XXXXXXXX XXXX XXXX ) Up until today - XX/XX/2021 - I haven't received any communication from TCF Bank about my new servicing account XXXX
I've called TCF bank 2 times, on around XX/XX/2021 and on XXXX of XX/XX/2021. TCF bank representative mentioned that they have nothing on my name, ssn or account.
Then, on XXXX of XX/XX/2021 I've called to XXXX customer service.
They told me that my loan was transferred not to TCF bank, but to XXXX XXXX ( XXXX XXXX XXXX ) Due to some sort of error, XXXX did not send me any information on this new transfer. Over the phone they gave me a phone number to call XXXX XXXX company - which I've attempted to use but no-one answered.
I also haven't gotten any mail, phone or email correspondence from XXXX XXXX. XXXX also did not send me any correspondence regarding new service being XXXX XXXX and I found that information on XX/XX/2021 when I called XXXX and escalated my issue.
At this time, I don't know who is servicing my loan. XXXX also refused to confirm if my information was actually transferred to either of the new servicing companies.
|
| 09/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello - I had an original mortgage loan through XXXX bank. They merged with Chemical bank. When the merger was complete they deleted my login information. We had to create a new username. When I tried to create the username it asked for my loan # which they did not provide. My old loan number was changed. Getting through to their customer service is impossible. It took me 3 days and several hours. You wait on hold for over an hour and then you get disconnected or the representative puts you on hold and you get disconnected.
Once I finally was able to login all I can do is pay my minimum payment. They will not give me information on what my loan balance is or what the interest rate is ( It's a variable rate ). I had visibility to all of this previously. When I called to ask why I could not access this information they put me on hold and then hung up on me. This is after waiting to get through for 2 hours on the phone.
I have no idea if they are applying my payments, if they are changing my interest rate, etc. And it's impossible to get through to anyone. They don't respond to emails either. This is such a problem I'm looking into refinancing with another bank. Overall this is a very unethical bank.
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''
|
| 03/15/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
This is not a typical mortgage loan. Each month, a different amount is applied to the principal depending on the date I make the payment. The loan started at about {$220000.00}. I have been paying it for 15 years and my loan is XXXX. I am never late. My loan is due on the XXXX. If I pay on the XXXX, they apply about XXXX to my principal. If I pay on the XXXX, they apply about XXXX to the principal. On the XXXX it is even less. My payment is not late until the XXXX, but over the years I paid it around the XXXX and almost nothing was applied to the principal. Other mortgages I have had apply the same amount to the principal each month as long as it is paid before the deadline. Also, as the years go on, with a conventional mortgage, more of the payment goes to principal and less to interest. To only pay off {$20000.00} in 15 years is unreasonable. I have tried several times to get a loan modification or to refinance. This is XXXX XXXX I was told they don't do modification and I could not refinance because the appraiser they sent told them my house was were less than what I owed. I was charged {$450.00} for the appraiser. I also can not take advantage of HARP because this loan is not from XXXX XXXX.
|
| 04/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I applied for a ppp loan and got just over XXXX XXXX dollars. I got accepted right away and all was well. I used my debit card to spend a few thousand dollars of the funds that had been deposited via ACH and had cleared within one business day, per usual. Then i went to TCF on XX/XX/2021 to request to cash withdrawal of {$4000.00}. They randomly felt the need to call and verify to make sure the funds were mine due to the ACH referencing sole proprietor and not my name - even though I that is the type of entity I use for my business. They verified that the funds were mine but then felt the need to lock my funds for no reason, whatsoever. Ive been asked over and over to provide an EIN number, to which I keep explaining that Im a sole proprietor and that my EIN is legally my social security number but they insist that wont work when I know for a fact thats the correct way to do it. I feel like Ive been robbed and profiled against, as I am a young XXXX entrepreneur and now I am unable to use the funds that are rightly mine. My account is now negative over {$4000.00} and they wont help at all to release the hold on my funds. The branches address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.
|
| 02/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.
|
| 07/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
XXXX XXXX here ... I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX
|
| 01/12/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed.
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.
|
| 08/17/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I started receiving numerous phone calls in XXXX. They left voicemails asking me to call them back but never said why they were calling. When I called them back they told me my payment was missed. I informed them that I had paid my most recent payment. The calls still continued. It got to the point where I started saving their phone numbers into my phone as Spam. Again, they never said WHY they were calling when the left messages. I spoke with a handful of different people and had 4 different names and numbers saved as spam in my phone. In XXXX I received a call again and returned it so that I could put a stop to their phone calls. At this point the representative pulled up my history and explained there was a missed payment from way back in XXXX. ( None of the previous reps had stated this ). At this point I secured a payment date and paid on time. I still received another phone call the very next day from the same rep. Again he left a message without the reason for his call. This is ridiculous, time consuming and quite a headache and I do not understand why they call so much, were uneducated as to why they were calling me, and nobody could explain the back-dated late payment.
|
| 02/09/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
TCF Bank has been taking my additional payments on my mortgage and applying them as " future payments '' and holding them under the escrow account instead of paying down the principal of my mortgage. As of my statement dated XX/XX/XXXX I have {$17000.00} in my escrow account. This ammount is far and above what is necessary to pay for taxes and insurance. I have tried to get this resolved multiple times through the company. Here are the request numbers : # XXXX, # XXXX, # XXXX. After 3 attempts to correct this issue I get a letter from the tax and escrow department at TCF Bank stating they think they received funds in error and enclosed a check for {$6600.00}. There was no explanation or calculations provided as to how they arrived at this number. Also they have deducted this ammount from my escrow account on my XX/XX/XXXX statement from my escrow account. I have not cashed this check.
I would like a full escrow analysis completed on my account. I would like all additional payments for the life of the loan to be applied to the pricipal of my loan and to have any interest charges I have paid as a result of this error to be reimbursed and put towards the principal of my loan.
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Opened a checking account on XX/XX/2020 through TCF Bank online. XX/XX/2020 I deposited a cashiers check for {$14000.00} at my local TCF branch. The branch manager also opened a savings account and transferred {$100.00} from check into new savings account and provided me with a atm/debit card. I was told my check would have a 2 day hold placed on it. On XX/XX/2020 I sent email via tcf mobile banking app to inquire when my funds would be available and received a responded shortly after on sat XX/XX/XXXX. That Sunday the XXXX I attempted to use debit card and it was declined. After multiple attempts to call customer service and ask what is going on I received an email via app banking status g my account was closed. Between tcf customer service and branch manager I have only been told my account was closed on the XXXX. I have received email and mail regarding my account or memebership still after the XXXX. I was not told why my account was closed nor have I received my funds of a total of {$13000.00} and have not been told how long until I receive them or when they will be mailed out by tcf. I have copies of email communication between myself and TCF, deposit slip, etc ... ..
|
| 09/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
A bank account with TCF Bank had a hold placed upon it on XXXX XXXX, a hold that was placed as a request to " close '' the account was processed.
Subsequently two more checks were deposited into the account because the close never went through, on XXXX XXXX and XXXX XXXX.
TCF instructed the complainant to submit a notarized, overnight-ed letter with account information where the funds should be deposited. That letter was sent, and the funds were never transferred.
The complainant then called TCF again on XXXX XXXX, and was told that they had mailed the check sending the funds for the XXXX XXXX deposit. That check arrived on XXXX XXXX. During the same conversation, was told they would cut and mail a new check immediately to transfer the funds from XXXX XXXX deposit.
As of today ( XXXX XXXX ) that check was not received. XXXX ( XXXX XXXX ) TCF was called again, and said they were unsure whether or not a check had been mailed ( although more than 10 business days had passed ). Was told to pay for another notarized letter to be sent to TCF, at which point they can cut him a check for the remaining funds.
It has now been 28 days since TCF has held onto complainant 's funds.
|
| 07/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report.
I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable.
Thanks
|
| 08/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.
Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
|
| 06/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever.
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card..
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed.
I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states.
I said no way i need my money now. XXXX and complained is all i could do.
Knowing theres bank tellers dont know what to do either.
I want and need my money now. Not one person in tcf corp office will return my call or call me back.
I did file a police report because tcf stold my money I
|
| 12/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.
|
| 12/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On or around XX/XX/2019, TCF Bank ( Wisconsin ) conducted an administrative closing of my primary checking account. They intercepted my direct deposit funds from my employer, with a balance of {$330.00}, and they are refusing to relinquish the balance of my personal money property, and are attempting to steal my funds, by extortionate means.
I was told to send a notarized letter to TCF Bank, requesting for my mailing address to be updated, in order to have my funds returned.
I have made several attempts to find out when my funds will be returned, but to no avail. The bank keeps telling me that they are processing the cashier 's check that was promised to be sent to me, in a timely manner.
On XX/XX/2019, TCF Bank received a " notarized '' certified letter in regards to my request, and they still refuse to return my personal money property, by way of theft.
TCF Bank has closed my checking account, and refuse to return my balance. I would like for my funds to be immediately returned to me, as I do not authorize TCF Bank to take control over my personal money property funds from this point forward.
Respectfully submitted, XXXX XXXX ( XXXX ) XXXX
|
| 03/23/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
We filed a complaint with you in the past and you threw us under the bus. Now I see you have sued TCF bank and won. You helped numerous people with similar experiences with Tcf bank. This is our newest complaint as we are victims of a predatory loan and have been charged over XXXX in late fees. We alerted you many years ago when the housing crisis first broke. Tcf uses late fees to their advantage when we Apply for a new long with another institution try to move our loan to another institution. Tcf call the bank BMO only to say we were 30 day late which was a lie it stopped us from getting refinanced and we were told they sent our payment to the wrong department and only to remove it later They report it to the creditors to stop us from getting a loan then remove it once our loan don't go through with the other institutions. Our loan is not serviceable and tcf is holding us hostage by adding on late fees that cant be proven.we never heard back please update us on what you found out and what action you took XXXX and XXXX XXXX filed against TCFBank never heard back. We do believe that we have been distriminate against Because of our race please help us.
|
| 09/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016, I was informed that TCF National Bank had closed my checking account. This decision was made because, in the words of the branch supervisor and managers, that I forgot to send in a requested Questionnaire that would update my current information. They also claimed that that the questionnaire had nothing to do with the bank, but was requested by the " XXXX. '' Yet the letter that accompanied the form mention nothing about a federal agency, but only TCF policy. I sought help from your agency and from the best of their knowledge they told me that they could n't find any law on file that stated that the federal government would send a questionnaire and suspend my checking account because it was not returned. Furthermore, what I find most offensive is the fact that my assets are now frozen. My funds have not been returned to me, they denied automatic transactions between my creditors, and I ca n't withdraw my money. However, they are allowing deposits into my account despite the account being officially closed. I have been misled by bank managers, been cheated out of my finances, and caused great distress over this incident.
|
| 10/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with TCF bank, I enrolled with 2 deposits. The only correspondence I received from them was an email stating my new debit card was on the way.
Today I went in to make another deposit, and they told me my account was frozen. Apparently I need an in-state ID to open an account, something I wasn't told when I initially opened my account and they took my deposits and information.
Because I'm visiting family, I don't have utility bills in my name, even though the check I wanted to deposit ( and the check I deposited earlier ) have my EXACT name and address. I guess that doesn't count.
I was treated extremely rudely by the teller at this bank, and also told I won't be able to withdraw my funds for almost 2 weeks, even though the bank decided to close my account!
There are no other flags with my name, or previous fraud or problems that would account for this behavior.
This has been a complete waste of my time and it seems unethical and illegal to keep my funds when TCF made the decision to close my account. Why was I allowed to open an account when these are your practices and you didn't disclose them from the beginning?
|
| 09/21/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account.
In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds.
On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.
|
| 04/21/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
TCF Bank case number :XXXX. On XX/XX/XXXX XXXX My checking account.I made a purchase on line for a money back guarantee fo XXXX XXXX as seen on XXXX XXXX. The diet pills had a clear ad to purchase at a cost of {$29.00}. Soon after I made this purchase .l seen my checking account was charged {$80.00} + again for {$190.00}. I then talked with my bank and they said : the company was XXXX. I asked the bank to file a dispute as that amount was not authorized by me .The bank said I have to deal with that company myself .So I called that company XXXX XXXX XXXX to put a stop on this order ( next day ). They said it's already shipped. 2 weeks later I got it .I called them for a return address .I then shipped this to : returns and receiving XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX XXXXtheir RMA NOXXXX. Since then I've been dealing with their O.L customer support people by E mail I got confirmation from USPS that it was delivered to them on XX/XX/XXXX. Tracking number is available .Have no Idea why this bank I've been with for a long time won't file the dispute .XXXX XXXX dispute services TCF XXXX XXXX XXXX. Waiting for your reply Thanks
|
| 09/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Hi my name is XXXX XXXX with phone number XXXX XXXX XXXX..i was custumer of tcf bank illinois i wasn't happy about their services and illegal fees..so i decided to close my account but they charged me amount of aver 200 $ just illegal over draft fees..i refused to pay it..but they reported me and put me in checklist so i can't open checking account with any bank..it 's has been around 4 years ago ... i try to solve problem but with no results..few months ago i received check of refund from federal trade commission because they catch my tcf bank charging me illegal fees.from my checking account so federal found me paying other illegal fees between XX/XX/XXXX and XX/XX/XXXX..shame on them..now i need my right to let tcf bank to remove. Me from checklists so i can be free to open checking account with another banks ..also i need to be reimbursed me XXXX $ for this problem and the big issues they make it for me for years so i still as American citizen can open any bank account because of illegal overdraft fees i have been charged ..i need your and i believe in American justice i believe in your guts i believe on land of uncle sam thanks
|
| 07/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I was applying for a car loan in XX/XX/2017, and the dealership rate shopped me. One particular financing company, Gateway One, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted Gateway One directly already, and they were extremely rude.
I also contacted XXXX, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center.
Additionally, XXXX only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.
|
| 09/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have requested copies of any and all contracts with the company and none have been produced to evidence that I have an account with the company and I never executed a contract with the company. The mail sent to the address listed on two bureaus is returned as undeliverable. The company reports on my credit report ALL of the following as the status of the alleged account : Closed - charge off but continues to report FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}.
On another Bureau - the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt placed for collection & Skip as well as FP ( Failure to Pay ) EVERY month as well as a current balance of {$10000.00}.
On the third bureau the address listed for the company has all the mail returned as unable to forward addressee unknown and reports the account charged off, bad debt These actions are all inconsistent with one another. I have attempted to investigate this company and it appears that it went out of business therefore the reporting can not be accurate.
|
| 04/18/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.
|
| 08/10/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is a XXXX homecare services based in Minnesota. We issued a payroll check to a staff. The staff deposited the check with TCF online into her account number and the check posted as paid by XXXX on XX/XX/18. TCF refused to credit the staff account on the ground that they were investigating the check, despite the fact that it had posted. A manager from healingtorch and the staff went to the TCF bank on XXXX XXXX XXXX XXXX in XXXX XXXX MN XXXX, and met with the Assistant Branch Manager on XX/XX/18 to clarify the authenticity of the check and payment. Evidence detailing the withdrawal from the business account and the check image received from XXXX that payment has been effected from XXXX were shown to them including the company 's online business account. Despite all effort, TCF refused to credit the staff account with the money posted to them from the XXXX business account of XXXX. This Bank 's action jeopardise our action to provide effective client service, diminishes our organization 's obligation integrity and put our staff in financial difficulty, and is unacceptable. See attached files for evidences.
|
| 08/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
XXXX XXXX somebody stole my ATM INFORMATION, in XXXX, Michigan. XXXX {$100.00}. I live in XXXX XXXX, Michigan 9 hours south. I used my debit card for dinner in lake XXXX the same time my stolen ATM was being used. I contacted TCF bank, filled out the fraud questions, there would check into it. Well,10 days later I received a letter refusing to return my stolen money, they said the chip was designed for me only, and no one could access it but me. I argued with them about the fraud, basically they called me a liar.
I called back and told them that I want their proof, again never received it. Called a 3rd time, told them about their so called ZERO FRAUD LIABILITY, told them again I live 9 hours away and used my card the same day plus I told them chips can be cloned. Of course nothing again, and being accused of lying. Im so mad at TCF, Im closing out my savings account tomorrow Ill keep the checking until my bills cleared. Oh, the first call they shut my card off, big deal whos to stop it from happening again? Next time they could have wiped out my checking account and they would do nothing about it. What a joke of a bank.
|
| 12/20/2019 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I had a checking account in XXXX where I grew up. I didn't even remember it existed. I now live in Florida. 16 months ago I started getting monthly statements. Every month they take {$3.00}. When I called to close the account and have the funds sent to me, they won't let me. They said if I come in I can close account and get ending balance. Because I live in Florida I need a notarized letter stating that I want the account closed. That's fine. BUT. in order to actually close out the account and have the funds sent I need to go in and make a deposit of at least XXXX XXXX to reactivate the account so it can then be closed and the check sent.I asked can I mail a money order? A check? Wire transfer from another bank? No. No. And no. Can I send someone else to make a deposit? NO.
BUT I LIVE IN FLORIDA NOW. They told me next time I'm visiting to stop in.
This account in over 20 years old and I have no idea how much money in fees they have taken I want TCF bank to close my account, refund the 12 months of " monthly fees '' and send me a check to my address in Florida ( where they send my monthly statement minus their fees )
|
| 06/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.
|
| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Reference Complaint ID XXXX. Lender started calling again from a local phone number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX ( Arizona time ). Gateway One Lending and Finance called me again on XX/XX/XXXX. The representative 's name was XXXX and they wanted to discuss payment for an XXXX. I have already informed this company back on XX/XX/XXXX and XX/XX/XXXX that I was n't the XXXX XXXX they were looking for. They apologized and said that the person doing the investigations was new and in training. They said they would n't call me anymore. Well, it 's 3 months later and they 've started calling me again. I told XXXX, it was n't me and he asked me, did n't you just say your name was XXXX XXXX? '' I said it was but I 'm not the XXXX XXXX from XXXX, CA who bought an XXXX. I told him I 've already gone round and round with their staff back in XX/XX/XXXX. I asked for a letter resolving this issue and I never received anything. I requested to speak with a supervisor. Will put me on hold and then came back and said his supervisor was n't available at the moment. I asked for that supervisor to contact me to have this resolved.
|
| 02/28/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.
|
| 09/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}
|
| 01/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My hardship started when my monthly payment increased from {$1400.00} to now {$1700.00}. I requested mortgage assistance and was denied on XX/XX/2019. At that point I was told I was behind 1 monthly payment. Now the representatives at TCF bank tells me I am behind 2 mortgage payments and they won't send me a transaction history for the past year, 2019. I have had unsuccessful communication with TCF Bank in the past when I requested the mortgage assistance application. It took more than 3 months. Myself and the Housing Counselor contacted them numerous times. The other concern is that during this process on XX/XX/2019, I received a visit from XXXX XXXX he identified himself as the Vice President of TCF Bank, he said he wanted to help me and came to collect the mortgage payment. In hindsight, I probably should not have given him the check but I did because he was so aggressive. He convinced me that I would otherwise be put in foreclosure so I wrote him the check. The current representative that calls me is XXXX XXXX he will not send me the transaction history he just insists I send in 2 months payments.
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.
|
| 08/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/XXXX, a letter was sent to me to advise that eff XX/XX/XXXX, TCF National Bank and Chemical Bank were merging, my line of credit account would be given a new loan number, and there would be a different way to submit payment online. I followed the instructions and set up a new user profile and once logged in, found I had no information regarding my account. No payment due date, amount due, or balance information is present anywhere on their website. I can submit a payment, but am weary about sending money through this new site when I can't confirm if it's even going to my account. The only contact information provided is a phone number, XXXX. I have called this number every day since XX/XX/XXXX and have yet to get through to a live person. I usually spend an hour on hold before giving up, today I'm at XXXX and said enough is enough, time to file a complaint. How a legitimate financial institution can not provide simple information like payment due and due date, and the outstanding balance is beyond me. And then to not provide a means to speak to someone about their account is inexcusable.
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2021, I went shopping and my debit card got declined. Checked my account and realized from XX/XX/XXXX XXXX XXXX over {$4000.00} was stolen from my account. I notified TCF bank that day. They assured me they would go through my bank statements and dispute all fraudulent charges. On XX/XX/2021 I received a letter in the mail from TCF Bank dated from XX/XX/XXXX, stating they would refund {$150.00} of the XXXX}. The other charges were considered normal account behavior and were denied. All of these charges are from the same place. They are all fraudulent and can not only refund some but not all. On XX/XX/2021 I tried calling TCF dispute services. Their automated services hung up on me and transferred me to many different departments and branches, none of which were dispute services. Everyone I talked to told me they cant help with my situation. I then called TCF Bank in my hometown to hopefully find a correct number. The manager of the bank couldnt find the correct number in their OWN system. All of these charges are from XXXX XXXX and XXXX trip. Where I live doesnt even have XXXX at all.
|
| 09/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
In XXXX of this year TCF closed its local branch in XXXX, AZ and transferred its busness to XXXX XXXX XXXX XXXX ( XXXX ). At that time I tried to move an IRA account from TCF in XXXX to XXXX but was one day late to do so. I called TCF and was told I needed to fill out an IRA Distribution Form. TCF said it would mail me the form. Two weeks later I received a Change of Address Form. I completed the form and mailed it to TCF after calling TCF again asking for the rollover form. Several days later I received and completed the form and mailed it to TCF. A few days later I recleived an emaill from TCF asking for my personal information which I sent to an email address requested by TCF. Several days passed. I called customer service several times and got no answer. Finally, on XX/XX/XXXX I sent a certified letter to TCF and noted that it was delivered. I finally reached customer service on XX/XX/XXXX. told them my problem and they took all my information and said they would get back to me that day. Today is XX/XX/XXXX, and I have not heard back. I don't believe that TCF intends to send me my money.
|
| 12/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.
|
| 08/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TCF National Bank allowed an account to be opened by an individual who stole my identity. TCF National Banks address is XXXX XXXX XXXX, XXXX, Michigan XXXX & their phone number is ( XXXX ) XXXX. TCF has sent the account to collections. I received no notifications about the fraudulent account being past due because the individual who stole my identity used an incorrect address to open the account. I attempted to notify TCF of this fraudulent account multiple times via phone & e-mail, dating back to XX/XX/2020. The employees Ive spoken to on the phone have provided no resolution. I have provided several documents via certified mail to prove I am the victim of identity theft & that I had no awareness of an account being opened in my name, but TCF refuses to acknowledge my claim & the provided documentation. Documentation includes a police report filed XX/XX/2020 & a report filed with the Federal Trade Commission on XX/XX/2020. TCF is still actively looking to collect on this fraudulent account & has done nothing to hold the individual responsible for stealing my identity accountable.
|
| 04/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title.
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.
|
| 09/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You
|
| 10/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This happened to me with TCF. I was in possession of my ATM/Debit card at the time of both incidents. On XXXX, a ATM withdrawal for {$200.00} was taken from my account. The next day, WHILE I was at the branch filing a fraud report, another {$200.00} was taken from my account, while the Assistant manager was looking at my account. It seemed like it was obvious that there is fraud involved. She filed the second claim. Today, I was notified that both claims were denied because " I let someone have my card and PIN ''. In the branch today, I was told that they were " re-filing '' the claim and that the decision is not up the branch. In short, the thief has my {$400.00}, I am out {$400.00} ( the two withdrawals plus two ATM fees ). The thefts happened on XX/XX/2019 at XXXX XXXX and XXXX XXXX XXXX. I reported this to the TCF Branch at XXXX XXXX XXXX inside of the XXXX XXXX to the Asst. Manager XXXX XXXX ph. XXXX I also filed a police report. I've been to the branch, as of today, on three separate occasions to deal with this issue to no avail. I've also contacted the fraud department.
|
| 03/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.
|
| 05/01/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I got fraud by a group of XXXX XXXX with XXXX , an account holder of TCF National Bank with Account Number XXXX , XXXX XXXX in Texas, XXXX XXXX and XXXX XXXX XXXX to wire money out on a mistery shopper job. I received a package from XXXX XXXX XXXX with the instruction and a check {$1900.00} issued by TCF National bank XXXX Account Number XXXX . The instruction said to make deposit to my bank and the money send out by XXXX . I also received a lot of Email and text as name on XXXX XXXX and asked me to do it. I wired out {$820.00} to XXXX XXXX in Texas on XXXX / XXXX / 17 and {$810.00} to XXXX XXXX in Texas on XXXX / XXXX / 17 . After I wired them out, the check deposit was returned and no able to use the check. I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}. I have already called and send Email, but I w o n't be able to contact them. Please find them and get money {$1600.00} back from them. I attach all copy 's of the proofs.
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX XXXX online credit card payment {$78.00} XXXX XXXX XXXX charge {$37.00} return item fee charged online banking print out shows 3 overdraft fee times {$37.00} each and a return Check fee Total 4 fee 's {$140.00} TCF return {$74.00} of the fee 's still owe {$74.00}.
The {$78.00} online payment should of been posted and paid on XXXX XXXX not. Enclosed is copy of date and confirmation number.
Now credit card posted my account a " Return payment {$78.00} and a Past Due fee {$25.00} Making/Resulting in- a NEGATIVE MARK on my credit report Dated XXXX XXXX Enclosed copy statement, TCF XXXX XXXX posted " Backdated credit '' to my account for the online payment $ XXXX This is Not credit in time for me to make *Another* payment BACK to my credit card account along with the Past Due charge- I was then charged for and the Negative {$78.00} payment I had originally made.
TCF owes me {$78.00} plus {$25.00} past due charge Total {$100.00} NOTE : this is a " Continuance from this Issue/from Complaint # XXXX making this Complaint an- Addition to- of the Further Harm.
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I reported couple of unauthorized charges on my account ; XX/XX/XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$8.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$40.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$47.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$11.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$7.00} XX/XX/XXXX XXXX XXXX - XXXX TCF Free Checking ( XXXX ) {$5.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$9.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$24.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$2000.00} XX/XX/XXXX XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$19.00} XX/XX/XXXX XXXX XXXX TCF Free Checking ( XXXX ) {$32.00} and TCF rejected my unauthorized charge claim because they said that there were other charges on the card that were not disputed after the unauthorized charges. I don't understand I reported the card lost and the unauthorized charges as well.
|
| 02/02/2017 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
I had my credit report ran from my preferred lender for my first time home purchase. There is an account with TCF National Bank that is showing up on my credit report. Due to this error on TCF National Bank 's wrong doing, I was denied the loan. I have been going through the process of getting them to remove this other consumers mortgage account off of my credit report, but have been unsuccessful. I keep getting the " run around '' from them. I signed a power of attorney to have a mortgage professional help me with this but they are getting the " run around '' as well. I have called, faxed, emailed my social security card, my drivers license, copies of utility bills and even my credit report showing proof of their error ( s ). I do not know what else to do because i am going to lose my earnest funds and ca n't get TCF National Bank to write a letter explaining that this is their error, with an XXXX confirmation number/code to help underwriting understand that his is not my fault, and to ultimately get this account that is not mine, off of my credit reprot.
|
| 08/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.
|
| 05/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX, I attempted to report fraudulent charges on my checking account. I went into one of TCF 's branches to report 4 fraudulent charges that had been made by the same company. I declined receiving a new debit card as I intended to close the account after reporting the fraudulent charges. I was informed by the manager that if I chose to close the account, it would void any fraud report and I would not be able to recuperate lost money.
Upon hearing this, I asked to speak with the branch manager. She repeated this same information. I asked for a corporate contact number. The branch manager refused to give me any contact information for anyone beyond that internal branch.
I have since called into TCF 's customer service line. I have repeatedly been told I would receive a callback within 24 hours of the call. I have yet to receive a call back 10 days later. I have repeatedly asked their customer service contact people for a corporate contact number. As of this filing, I have made this request verbally 176 times. I have been denied all 176 times.
|
| 01/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Based on the information contained in this complaint I feel that XXXX XXXX is not acting in good faith with its current customers regarding the above referenced settlement.
My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account.
But we still have an account and XXXX XXXX made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft.
XXXX XXXX letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services.
Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.
|
| 11/13/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I recently became a XXXX XXXX leader along with another woman, and went to TCF bank XXXX XXXX XXXX # XXXX on XX/XX/2019 to have the existing XXXX XXXX XXXX account transferred to myself and the other new leader and to have the former leaders removed from the account. We answered questions, showed ID, and filled out paperwork and were told at the branch that the retiring leaders had been removed and that myself and the other new leader were now the holders of the account.
On XX/XX/XXXX and again on XX/XX/XXXX the former holder of the account, who is no longer an authorized user, received mail regarding the account. On XX/XX/XXXX XXXX called TCF at XXXX to advise them that they were sending mail to someone who is no longer an authorized user on the account. I spoke with " XXXX '' ( teller # XXXX ) who refused to update the address over the phone even after I stressed that by failing to do so they would be sending my financial information to an unauthorized third party. Because I work full time I will be unable to visit a branch in the near future.
|
| 05/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when in 2008 I was unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.
|
| 04/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a XXXX XXXX XXXX XXXX XXXX. I was approved for a {$10000.00} grant by the SBA since my business took a dramatic loss because of the corona virus. The {$10000.00} was credited to my account on Monday XX/XX/2020. I used my account for two days with no problems. Then Wednesday, XX/XX/2020, my account was put in the negatives {$2000.00}. TCF took the money back and put my funds on hold. I called to settle the problem, they then told me I had to go up to my nearest branch with proof of business. I went up to the branch on XXXX XXXX in XXXX XXXX, Illinois with a business card, a flyer that I had for deals on my XXXX from XXXX, my social security card, my ID, and a print out of my SBA application with the application number and my XXXX on there. TCF then called me later and requested more information, and still refused to move the hold. It is now XX/XX/2020, 10 business days after the funds were deposited and TCF has yet to remove the hold off of my grant. Can someone please contact TCF on my behalf and get this hold removed.
|
| 12/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
|
| 11/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I've had my personal and business account with TCF Bank for over a year. The business account was closed due to non-activity and account maintenance fees. The personal account I have with TCF Bank I just recently found out my account was closed due to a " fraudulent '' transaction presented to my account multiple times that caused my account to go into a negative status. I haven't used the account in almost a year and recently spoke with a representative back in XX/XX/2019 that stated the account was in a dormant status because of no activity within 1 year and I was told I would need to go inside the branch to re-activate the account and at the time the account was in a positive status. Today, I spoke with a representative that stated the account was closed and sent to collections for an account balance of {$140.00} in fees due to a " fraudulent '' charge being presented to my account multiple times. I don't understand how this could happen and don't want my banking relationship with TCF Bank to ruined or my credit.
|
| 03/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I received a notice in the mail from TCF Bank on XX/XX/XXXX, dated XX/XX/XXXX, notifying me that an account in my name was been overdrafted. I did not open this account, and have no relationship with it. This may be part of an on-going attempt by an unknown person to steal my identity, which has involved over 10 attempts to take out unauthorized lines of credit and loans in my name. I have an active report filed with the XXXX Police Department related to this. I have checked my credit report and there is no notice of a hard or soft credit pull by TCF Bank or Chemical Bank. I put a freeze on my credit report using all three credit agencies in XXXX. No attempt was made by TCF Bank that reached me to verify this account prior to it being opened. I just spent almost 20 minutes on the phone with a TCF Bank representative who filed an internal report that the account was fraudulently opened, but refused to freeze or close the account. I was told that if I visited a branch that it " might be possible '' to close it there.
|
| 03/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions.
Shameful XXXX XXXX
|
| 07/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I had some charges come out of my checking account the weekend of XXXX XX/XX/11. These charges caused my bank account to be overdrawn. I deposited cash at about XXXX XXXX on Monday XX/XX/XXXX that brought my account positive. When I checked my account on XX/XX/XXXX, there were five {$37.00} fees on my account. When I called TCF, they said that their cutoff time is XXXX XXXX MST and that they wont reverse the fees. I find it excessive and unconscionable that a bank can have a XXXX XXXX cutoff time and charge me {$180.00} for making a cash deposit twenty minutes too late. The bank will not provide me their policy in writing either. I filed a complaint with a supervisor and they said that they would get back to me in ten days, but in the past, those promises have been unkept by TCF. They have inconvenienced me multiple times with system outages and ATM outages related to their merger with Huntington Bank. I feel that they should reciprocate by waiving these fees based on the details Ive laid out here.
|
| 09/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My TCF debit card was hacked on XXXX XXXX. I called on XXXX XXXX to dispute the charges. I answered the same questions 3 times, asked for my card, my husband 's card, and my daughter 's card to all be shut off, and got a police report. On XXXX XXXX I received a fraud alert on my phone that more charges had been made. I called the number on the text message and was told that since the charges happened on my husband 's card, they could not talk to me. I asked why they were continuing to allow charges to be made to an account that was now XXXX overdrawn, and they refused to speak to me. My husband called one hour later and answered all the same questions I had answered and asked that our cards be closed and the account closed in full. Since these phone calls have been made, TCF has continued to charge us overdraft fees ( 5 fees of XXXX dollars each ) and they authorized yet another fraudulent charge yesterday, XXXX XXXX. I have been on hold for 30 minutes today trying to address the matter.
|
| 02/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX XXXX ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do!
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.
|
| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I financed a car through a bank but the car has engine issues so I tried to fix it with the dealer but he failed to. I have to take Them to court and I won the case. Since the bank was aware of the circumstances they assigned my account to a special team to follow up and take payments for the loan. I have been making the payments as planned. However, the communication with this department changed all of a sudden and I kept calling leaving voice messages to make the payment. The scenario went on and on for almost a year. I know I have the car and the loan is not complete. So I insisted on contacting them and spoke to various people at the bank until finally someone figured it out. As soon as they realized the car loan has not been paid they took the car without offering me ways to remedy the problem. I called them because I wanted to solve the issue and avoid this type of scenario. So I am with no car and it was not my fault. They want me to pay off the whole loan $ XXXX.
|
| 04/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!
|
| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company ( TCF Bank ) was suppose to pay my property taxes before the end of 2020. As of today, there is no record of these taxes being paid. I have contacted them numerous times in the past few weeks but nobody can explain why my city clerk has not received payment. TCF Bank states that they dispersed the money from my account to pay the taxes on XX/XX/2020. The amount they paid was the correct amount for my taxes. That's all they can tell me. They can't tell me who they sent the money ( city clerk, a holding company ) or how they paid it ( electronic or check ). They won't even tell me if the payment cleared their bank and when. It is very frustrating for me because this has never happened to me before. I should note that TCF Bank took over my mortgage a few months ago from Chemical Bank and now I have to put up with this XXXX. My money is gone and no one at this company really seems to care because I keep getting the run around. Please help me. Thank you.
|
| 05/26/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, a deposit was made into my checking account in the amount of {$9600.00} and was shown to be available. I started drawing from those funds to pay various creditors, expenses, etc. At some point during the following week, someone at TCF National Bank decided to place a hold on that deposit, without any warning or advance notice to me. When I contacted the customer service department, I was told I had to contact the depositor, again, the reason was not made clear to me.
In the meantime, my account has been in a negative balance of over {$10000.00} and consequently I am unable to use my debit card. The bank has charged me overdraft fees, and has yet to give me an adequate explanation of their decision.
I am requesting the funds be taken off hold, and my account restored to normal. Then I will be able to close my accounts with this bank and go to another bank. Any help you can provide in this matter would be greatly appreciated.
Sincerely, XXXX XXXX XXXX
|
| 06/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, 2016, I ordered XXXX tickets to an event that was to be held on XXXX XXXX using my TCF Back debit card online through the Dinner Lab website -- no PIN used. I was charged {$180.00} for the transaction.
On XXXX XXXX, 2016, I received an email from the XXXX XXXX that they were ceasing operations immediately. I responded to the email asking when I could expect credit for the purchase and received a reply of the same text that was sent saying they were out of business.
I contacted TCF Bank by phone on XXXX XXXX to dispute the charge and was told they would contact the merchant. TCF Bank did n't ask for any of the messages sent or received from XXXX XXXX.
I have followed up with TCF Bank several times by phone and was told repeatedly that the merchant had until XXXX XXXX, 2016 to respond to them, at which time they would make their determination as to a credit to my checking account.
As of XXXX XXXX, 2016, I have not received any info from TCF Bank.
|
| 07/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
In 2016 I had identity theft and all my accounts with TCF were affected draining my income, and I was facing foreclosure. I was able to recover and pay everything current, but they still foreclosed without informing me. TCF never changed my account information when I reported fraud with my accounts and requested new accounts and cards, twice I was a victim from Tcf. I still am current on my mortgage and taxes since. Suddenly this past month I received a petition. For a foreclosure that should have never gone through, nor was i properly informed or served by anyone. The one I see on property records is missing the stamp among other mistakes. I need to prevent losing my home I built and lived in for over 30 years. Im retired and facing being homeless from fraud. Ive contacted lawyers everyday and struggle to find help with my case. People who are victims of fraud shouldnt have to face losing their mortgage for over 30 years and face being homeless.
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
From XX/XX/XXXX - XXXX my bank 's mobile and online banking centers were completely shut down so I had no access to my accounts while I was out of town. I was not able to check balances on my accounts or transfer funds from my savings to checking as needed like I had planned on doing. Apparently, since I had no way to check my balances, I over drafted on my account. I think that this is unfair and cheating. The bank took from me the ability to access and keep tabs on my money for over 4 days and then proceeded to stack XXXX overdraft fees on me all because their sites were down. I have tried to contact the bank multiple times to get the issue resolved and my call keeps getting dropped. The bank is faulting me for their inadequacies and now I am negative almost {$200.00} which I can not afford to lose during a global pandemic. This is cheating plain and simple, and I will not be paying fees on an overdraft that I was unable to know was happening.
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
To Representative of CFPB : I am filing this complaint to request your help in getting restitution for one of my TCF accounts.
I have had my checking account with TCF for more than 20 years. My wife also has 2 checking accounts with TCF. We share one account. So we have three accounts all together.
All 3 accounts were opted in on the same day, we were both at the bank at that time.
She has received restitution for her individual account, and our joint account has received restitution.
I have not received any restitution for my individual account.
I called the TCF admistrators number on XXXX, XXXX XXXX XXXX XXXX and did not get any help to resolve this matter.
This account had a lot more overdrafts than both of the other 2 accounts.
Can a CFPB representative get back to me please.
Q1. Can you help me get restitution for my checking account?
Please let me know the answer to this question.
Thank you in advance for your help.
XXXX
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( # XXXX XXXX . I received a call on XXXX during which I told the Customer Service person that XXXX has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On XXXX I received another call with this VM " XXXX XXXX I am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti XXXX XXXX XXXX ... ... ... My name is XXXX with XXXX XXXX ''. My payment was posted that day.
|
| 02/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX in XXXX Va XXXX ( XXXX ) XXXX pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from XXXX a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.
|
| 03/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.
|
| 11/29/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.
|
| 02/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/XXXXI have notified this bank to stop all debits from this recurring XXXX fee, they did not.
XX/XX/XXXX - I have notified this bank to stop all debits from credit matters, they did not. This is the direct result of my negative balance. Then they hit me with a monthly maintenance fee, which took another {$37.00} nsf fee..ridiculous. I also moved out of state and where deposits are hard to make since their system does not allow any kind of online payment/deposits. When I called customer services the representative could not help and I asked to speak with a manager and she says I am the manager and we do not reverse any kind of fees. And now my account is being closed and feel like I am a victim of bad business banking. I would like the 4 {$37.00} fees totaling {$140.00} refunded and I will pay the difference and they can close this account as I will never use this financial institution again for any services. Thank you
|
| 01/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number.
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account.
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money.
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.
|
| 12/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.
|
| 07/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We had a home mortgage through TCF Bank ( now Huntington ). We were approved to close on a refinancing in XXXX, also through TCF/Huntington, but due to bank delays and failures to respond to us, did not close until XXXX after I submitted an initial complaint to the CPFB ( XXXX ). It now appears that the bank did not properly pay off our original mortgage at closing of the refi. We are now getting past due notices on our original mortgage as well as billing statements for the new mortgage. We are extremely concerned about possible impacts of this on our credit reports. We have not been able to get help from anyone in customer service or our loan officer after repeated calls and emails. We have serious concerns about the bank 's ability to operate as they have mishandled hundreds of thousands of dollars, appear to have no record of transactions and fail to respond to customers. We need help getting this resolved.
|
| 04/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I am currently 29 days overdue on my auto loan. The lender, XXXX XXXX, has my proper address and phone number. They call daily about the debt but I have been unable to catch up. They send letters to my address. I have responded to phone calls. I have not changed address or phone numbers since I first took on the debt.
Today, XX/XX/2019, they contact my brother and left a message that I had to contact XXXX XXXX. They are not supposed to contact relatives when they have good contact information for me which I am reachable at.
This same problem happened approximately 1 year ago and I contacted XXXX XXXX and asked them to remove my family members from their records. I explained that my contact information has not changed and I am reachable and receiving their calls. They agreed. Today they contacted my family again in an attempt to harass me. My contact information has been the same since I took the loan.
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
TCF bank has failed to honor their {$250.00} bonus for meeting their requirements.
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017.
The promotional code of XXXX was inputted by the customer support agent.
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement.
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.
|
| 05/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I unfortunately can not view the records of my TCF account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually TCF bank owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for TCFs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.
|
| 05/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I reviewed my checking account bank statement from TCF Bank and I saw several unauthorized charges to a XXXX accoun t ( XXXX XXXX XXXX transit card ). They were small in dollar totals, XXXX a charge and when I reviewed older statements I saw these charges several times dating back to XXXX of XXXX . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant '' and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.
|
| 09/16/2019 |
No |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX reply result Dear cfpb Complaint ID : XXXX It is refer to the feedback. TCF Bank refuses compensation my all deposit.
TCF Bank copied my deposit checks and sent to the bank in front of me. I wait for over two months without the reply. I asked the reason. They said they do not reply me. You can contact them. They refuse the compensation.
I said I only gave money as deposit for your TCF Bank. You gave to the bank without my permit and I do not know that you gave the bank and I do not know that bank. Thus I only ask your TCF Bank compensation. TCF Bank refuse the compensation.
Because TCF Bank owes my money. It is the fact and they refuse the compensation. Thus I ask TCF Bank to compensate {$2500.00}. Add interests.
Now the national all attorney general together object the company to bully the People. Therefore I ask the compensation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX
|
| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We have on and off received phone calls for {$600.00} owed on a {$18000.00} loan for a vehicle. We tried for a week when trading the car in to get it added into our new loan and the company would n't call us back or the dealership so we could n't secure financing so the deal fell through. The amount is for late fees and excess charges. The creditors are rude call sometimes 4 times in a row over and over again. I spoke with XXXX XXXX XXXX about settling and he agreed on {$450.00} we could make in 2 payments in XXXX and XXXX when he called and emailed over and over I told him that in one week we could make the first payment. He said " I 'm not doing this anymore I can take the car or garnish your tax refund ''. The car has been reported to our credit bureau as charged off already and the company is now trying to garnish our work wages as well as our income taxes. We do not know where to go for help.
|
| 02/02/2017 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
TCF BANK LOAN NO. XXXX CALLED MY WORK, HOME, CELL PHONE XXXX TIMES AFTER CEASE COMMUNICATION ORDER DATED XXXX/XXXX/2009 WRITTEN BY XXXX XXXX AND SIGNED BY XXXX XXXX. THEY HAVE VIOLATED THE T.C.P.A. XXXX INFRACTIONS AT {$1500.00} PER CALL OR {$400000.00} IN DAMAGES FINES ETC..THESE PERSISTED FROM XXXX. ALSO, VIOLATED THE F.C.R.A. TOTAL OF XXXX TIMES OVER 7 YEARS, XXXX RE-INSERTING LOAN XXXX 5 TIMES VIA CHANGING ACCOUNT TYPE, DATA, BANK HEADERS ETC.. ( SEE ATTACHED FROM XXXX ), XXXX XXXX TIMES OVER 7 YEARS BY CHANGING EVERYTHING NECCESSARY TO RE-INSERT ITEM BACK ONTO XXXX WITHOUT 5 DAY WRITTEN NOTICE TO CONSUMER. REPORT TO ALL CREDIT BUREAUS THAT THIER MORTGAGE LOAN IS IN FORECLOSURE XXXX TIMES IN 7 YEARS, WHERE THIS LOAN HAD NO LIEN RIGHTS ( SUBORDINATE LIEN ) SEE ATTACHED.
FINALLY, TCF BANK IS VIOLATION OF THE DOOD-FRANK ACT WALLSTREET REFORM AND CONSUMER PROTECTION ACT.VIOLATED S.O.L. 8 TIMES.
|
| 10/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Hello, I am writing today because I'm experiencing great challenges in making my payments with TCF bank. I have made payments in the past through their website but then their parent company changed, they changed my account number and I can no longer log in online. I have tried to contact customer service on multiple occasions and have never gotten to the point where I could speak to a person after waiting on hold for over 30 minutes each time before giving up.
I have made my payments through my Bank 's bill pay system, the first month my payment was received just fine, the second month, I received a statement saying that no payment has been made and now I can not get a hold of the company or check my online account to verify that my payments are being received although the money is leaving my checking account.
I appreciate any assistance that you could provide with this matter.
Thank you.
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XX/XX/2019, I opened the account with my former co-leader of XXXX XXXX XXXX XXXX. I showed them my Social Security Card and license. In XX/XX/XXXX, we swapped out one co-signer for a different one, and again at that time I also showed them my Social Security Card and license. That's two times in 8 months. Today, I tried to log into the XXXX account because every couple of months I update the spreadsheet and reconcile with the online account for what we have and what expenses / income we have coming up. I could not access our troop account because again the bank is requesting my social security card along with my license that I have already submitted twice in 8 months. This is very unprofessional and shows a complete lack of competence. So right now, with one week until our next meeting our XXXX does will not have access to our funds which is hampering our planning efforts for the month.
|
| 09/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ).
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM.
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.
|
| 09/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I chose to opt out of overdraft protection to avoid being hit with the {$37.00} fee that the bank says I won't get charged if I do this. I lost a source of income and fell into an insufficient fund situation in XX/XX/2021. The bank was making payments above my balance. I received a government payment that allowed me to pay off bills I needed to. But then on It started on XX/XX/XXXX with a {$190.00} payment to XXXX XXXX, and I was charged the {$37.00}. Then a payment on XX/XX/XXXX to XXXX for {$160.00}. And payments will into XXXX. There was a credit memo balance credit added, which only made things worse because it's not apart of my accounting system and cause even more problems with overdrafts. I received another government payment on XX/XX/XXXX, and the credit memo/ debit memo was taken out late, and taken twice. My balance is incorrect and now I'm being hit with even more charges.
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/2020 a total of {$6300.00} was stolen out of my TCF Checking account. I reported the theft IMMEDIATELY. I reported the theft while it was actually occurring.
On the same day, I submitted a dispute to TCF.
On the following day, XX/XX/2020 - XX/XX/2020, I submitted additional details to TCF including a policy report, IP Address logs, phone numbers, etc and explained that the funds were stolen by a person who fraudulently claimed to work for XXXX XXXX
On XX/XX/2020, TCF informed me that they were unable to assist me in refunding my money because a " third party service '' was involved.
This is incorrect and it shows that TCF did not review the facts of my case. There was no third party service involved. There was only a person claiming to work for a third party involved.
I would like for TCF to refund my {$6300.00} because the funds were stolen.
Please help me.
|
| 06/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
A TCF employee in XXXX XXXX, MI threatened to refuse to process a charge dispute when I requested to close my account. When I asked for her boss, I was directed to the branch manager. The branch manager continued the threat ; if I closed my account, I would lose my ability to dispute charges and subsequently the money that belonged to me.
Despite two complaints about this to the CFPB, no one from TCF has contacted me about being threatened by two of their employees. I attempted to resolve this through their customer service phone number. I have yet to receive any direct, returned communication from TCF.
Twice TCF has responded to CFPB complaints with a {$17.00} refund claim. I have not been refunded anything, nor is that the dollar amount of the dispute.
TCF refuses to contact me regarding this issue and continues to issue nonsensical responses to my CFPB complaints.
|
| 11/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I had spoke with someone regarding opting out of overdrafts during the early part of 2017. I was told i could not. I recently discovered the previous suit filled against them and called to have my account opted out and stop any transactions from coming through for a short period of time. They did not do that and claim they have no record of the call. Since then, 3 transactions cleared and 4 overdraft fees of {$37.00} were added. I addressed the issue and they refunded {$89.00} of the {$140.00}. I spoke with two different Department Leads to resolve the remaining fees and they said they could not do so. I 've had many issues with them in the past and do not feel it is ethical for them to hold me accountable for misinformation given to me by numerous employees. I offered to pay for the charges ( {$84.00} ) and not the overdraft fees ( {$59.00} ) and the offer was declined.
|
| 08/04/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!
|
| 09/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and TCF I am so lost at this moment because I never even had a account XXXX would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
|
| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I closed an account with TCF in XXXX of this year and recently had a check from XXXX XXXX be deposited in the account in XXXX. If the account is closed and I have no business with TCF how can a check that was deposited into a non existing account be possessed by an institution I have cut ties with. I did still have TCF as a Direct Deposit option for the XXXX XXXX. I contacted the XXXX XXXX and they notified me that if my account is dissolved then the bank should notify the XXXX XXXX the account no longer exists and send me a check. TCF claimed that because I had a direct deposit for the check will associated with the XXXX XXXX they took the check. After I liquidate an account the bank should no longer hold the right to posses my money in any capacity, and they also wanted to charge me for an account maintenance fee. Any help would be greatly appreciated.
|
| 09/27/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.
|
| 09/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
As part of opening a HELOC, TCF Bank claims that they sent me a check for {$8400.00}, which I never received. I requested that they stop the check or provide me with a copy of the canceled check, neither of which have they done. They have been charging me interest since XX/XX/XXXX on this amount. When I first notified them of the problem, their representative stated they would only reverse the interest charged after 60 days had elapsed. It is past that date but there is still no correction on their part. In addition, they have not credited a check for {$120.00} dated XX/XX/XXXX towards my account. I am also unable to view my account online because, according to their representative, the account number may have been changed without my knowledge. I have received no response or resolution despite numerous attempts to resolve this with TCF bank. Thank you.
|
| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.
|
| 06/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
i have an account with TCF bank, on XXXX/XXXX/15 I purchased shoes from website, in thein the amount of {$170.00}, the items were out of stock, so I requested refundon XXXX/XXXX/15, and since then back and forth with this merchant to refund me, finally 10 days ago or more, the merchant stated they refunded me for the full amount, but TCF bank insisting that there is no refund, and they are requesting me to ax them information proving the communication between me and the merchant, I faxedthe info 3 times, and keep saying its not showing received and they are investigating the issue ..I am the victim and they are holding my money, when actually I showed the solid proof that the merchant stating they refunded me and my bank have the moneyto tell you the truth, I do n't know who to believe anymore, its been 2 months ...
I gave up ... Please help
|
| 09/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report.
Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off.
XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.
|
| 10/24/2015 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions.
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it.
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived.
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back.
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time.
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX.
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.
|
| 11/04/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I paid off a Home Equity Line of Credit in full in XX/XX/2020 and received the attached paid in full letter dated XX/XX/2020. The company, TCF, has still not recorded the lien as satisfied so I am experiencing delays and am unable to close on a new 1st mortgage with XXXX as a result of this HELOC not being recorded as satisfied. I have asked the company, TCF, to simply provide a copy of the satisfaction documents that they say were sent to the courthouse or to provide a letter confirming that the loan is closed and that the satisfaction process is in process. Either of these would be acceptable to the title company handling my new loan closing but TCF is refusing to provide anything. As a result, I am incurring several XXXX dollars in rate lock extension fees as I have been delayed in closing for over 2 months already with no end in sight.
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
TCF bank has used an unending practice of hitting my checking account with multiple fees. It has been going on for months. Last fall, I went to the bank and asked for assistance with my account and how to solve the problem with all of the OD fees.
OD protection was not an option they would entertain. A personal loan for a bridge was not approved or even encouraged. Instead, the representative pushed me to apply for a credit card. I didn't do the application. It seemed odd that he kept pushing for a credit card and didn't jump on the opportunity to really assist a customer with budgeting and/or problem solving.
Over the past several months, nearly all of each paycheck has been eaten up with, fees. Leaving very little for basic necessities and bills. It has pushed my issues with XXXX, XXXX and XXXX to be a debilitating aspect of my life.
|
| 03/17/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
XXXX bank have my XXXX and the amount I paid on monthly basis was XXXX. There was a credit on my account for {$1500.00}. Total loan amount was {$94000.00} and XX/XX/XXXX, when I refinanced the loan my refi bank paid XXXX {$95000.00} Including all the closing cost that was required. To date XX/XX/XXXX XXXX has not sent a final statement All I received is a check of {$160.00} with out any explanation of how my credit was applied towards the account. I have spoken with bank customer services and no one is giving me a straight answer.
XXXX : XXXX XXXX Loan Started in XX/XX/XXXX {$94000.00} Credit as of XX/XX/XXXX on XXXX account {$1500.00} Loan closed by REFI XXXX with amount {$95000.00} Received a refund of {$160.00} without any explanation on closing statement. My new lender shows XXXX was paid off with all the associated closing cost.
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I previously filed a complaint against TCF bank on the same issue that they are now being sued. My case number for CFPB is XXXX. My complaint has not been included with this lawsuit and I have not been contacted by TCF bank. The over draft fees that they charged me for an amount under XXXX was over {$400.00} in a matter of a few days. They say they mailed the OD information but it was hidden in the bank statement and was never referenced on the on line banking feature which I used frequently. Who would want to pay {$400.00} for a 20.00 charge? If I had known about the od changes I would have closed my account immediately rather than gifting them the extra funds,.
My complaint was responded to by the bank by only saying saying, since the account is closed they can not refund my fees. I am asking that my complaint be revisited.
thanks
|
| 07/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!
|
| 09/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account.
The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.
|
| 08/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.
|
| 10/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Re : Gateway One Lending I paid total balance of my auto loan. But they continue to withdraw bimonthly payments and deny it when I have called them. Re : loan # XXXX. On XXXX a payment was sent to pay off the total balance of my car loan. On XXXX and again on XXXX they continued to take bimonthly payments from my checking account for {$230.00} each time. Every time I call them -- they deny that they are doing this. On XXXX I spoke with " XXXX '', he informed me this must be someone else taking money from my account. All of transactions have always been listed as " XXXX '' # XXXX with each deduction. I disputed/claim # XXXX with my bank XXXX XXXX on XXXX. I have since been informed my bank has denied the dispute because my request was not submitted during the merchant 's required time frame.
I want my money they took out my account.
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.
|
| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a car in XXXX in 2010. I financed the vehicle with Gateway One Lending. When I moved to XXXX and reregistered the vehicle there, they transferred the title to the new state, which was their obligation as the lien holder. I moved to XXXX last year, but Gateway did n't move the title this time as the loan was about paid off and XXXX has a title fee that XXXX does n't. When I paid off the car, Gateway informed me that they 'd left the title in XXXX six months prior and I would have to get the title from them, submit for a new XXXX title, and pay the {$75.00} fee, all of which should have been done when they were the lien holders. Now, since they did such an incompetent job of moving the title, I 'm not even sure I can get a clean XXXX title since the state still has Gateway One listed as the lien holder on the vehicle.
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam
|
| 03/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below.
BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity.
Regards, XXXX XXXX
|
| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!
|
| 07/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
In XX/XX/XXXX I visited the TCF branch in XXXX XXXX, SD to close my account. I received a cashier 's check for the balance on the account and was told it was closed.
In XXXX of XXXX I received a letter that my account was overdrawn by {$.00}. I contacted TCF bank to let them know my account should've been closed in XX/XX/XXXX. They said that I had a roughly {$60.00} balance at that time which had slowly drained due to dormancy fees and was now past due. They said they would close the account and no further action was needed.
In XXXX of XXXX I received a letter that my account was overdrawn by {$10.00}. I contacted TCF and they let me know they could not assist me over the phone and I would need to visit a branch location to receive assistance. I asked for a manager and they said they would reach back out to me.
|
| 10/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX XXXX account number and TCF continues to say I do not have a TCF account.
I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.
|
| 11/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I am appauled the the lack of customer service given me. I have been seeking assistance to correct my account and have my fees waived for more than several months to no avail. A check was cashed with no name as the payee which brought my account negative. I've been trying to work with the bank to find out how this has occurred but to no avail. Yet, I have been taxed and hit with overdraft and bank statement fees. I would not have an overdraft fee the check with NO Name/payee wasn't paid and furthermore I was informed that I would not be charge the fee for bank statements. No one seems to want to help me.
Moreover, I was informed the bank would close my account and then send my balance owed to a collection company. This is shocking and fraudulent.
Please have someone call me to assist ins working out this issue.
|
| 01/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. My Chapter XXXX Bankruptcy case was discharged on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed. TCF Bank was discharged in bankruptcy court. TCF Bank is discriminating against me and wont allow me to open up a checking account or apply for other TCF Bank products or services due to me having a previous debt with TCF Bank that was discharged in bankruptcy court under Chapter XXXX. TCF Bank is discriminating against me based on my race as well, me being XXXX XXXX XXXX XXXX ). TCF Bank is denying me credit and an opportunity to reestablish my credit. TCF Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
|
| 03/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
The TCF Bank XXXX, XXXX XXXX was corrupted with his friend, XXXX XXXX XXXX, retired local bank, blocked paying off all of my loan Payment with by representative, XXXX XXXX XXXX who I paid and hired to handle my paying off the total loan amount. I had XXXX lenders who wanted to lend money to pay off my entire loan amount. I requested repeatedly XXXX XXXX XXXX but He refused to meeting with XXXX XXXX XXXX. He was having meeting with XXXX XXXX XXXX and communicated with him. The Bank illegally took all of my properties.
I was paying all the payment without default. The bank delayed and dragged the time. They are corrupted badly and took all of my asset which is all of my life saving.
I and my family suffer so much.
Please help me and help many others from their serious criminal acts.
I have attached a file.
|
| 10/02/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have been been paying more than the minimum amount on my HELOC account with TCF Bank and instead of the principal decreasing it has been increasing. I have tried to contact the bank through e-mail and phone with no success. I have asked for detailed statements on the account but they have failed to correspond. The Website account shows no information on my account or detailed statements and the same is true for the mailed statements. Recently the TCF has changed my account number to a new account number and also changed the Web site where the payments are made.
XX/XX/2020 : Payment of {$1000.00} Confirmation # XXXX XX/XX/2020 : Payment of {$650.00} Confirmation # XXXX XX/XX/2020 : Payment of {$550.00} Confirmation # XXXX My balance in XX/XX/2020 was {$100000.00} My balance as of today is {$100000.00}
|
| 01/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.
|
| 04/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This company continues to apply payments incorrectly after asking them to apply to principle. They make it very complicated on all matters. I have set up payment arrangements and they refuse to adjust if needed. They offer for you to speak to one person " the account manager " who is never there. If you inform them it's not a fair practice, they leave you on hold continuously as punishment. Recently on XX/XX/XXXX and XX/XX/XXXX they refused to allow me to change my payment amount. This company reports you to the better business bureau incorrectly. If you review other customers online we all complain about the same issues. Their practices are not regulated therefore they could care less about the customer. A consumer lawsuit is on the horizon due to all of their unethical practices as a company.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of XX/XX/XXXX I used my XXXX that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called XXXX times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that XXXX does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.
|
| 04/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I deposited check number XXXX into the ATM at my credit union. The check was credited to my savings account. The check had posted to my checking account on XX/XX/2020. All is well.
On XX/XX/2020 the same check was posted to my account and credited to an unknown account at XXXX XXXX.
The check was for {$1500.00}. The people at TCF Bank where my checking account is located said that someone would call me tomorrow or the next day.
There was a similar issue with a check that I deposited at TCF Bank only 2 months ago. On that debacle they insisted that I deposited the check at the teller and at the ATM. I put a complaint in and it took quite some time before TCF said it was an error and apologized. That complaint that I made was almost {$400.00}. This " error '' leaves me short {$1500.00}.
|
| 11/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Creditor participated in Unfair Deceptive Abusive Acts or practices ( UDAAP ) by committing a Breach of Covenant of Good Faith and Fair Dealing and a Breach of the of Implied Warranty of Merchantability. Creditor via merchant provided me with a vehicle backed by a loan which was defective and which had serious mechanical problems, and as a result the creditor via its merchants practiced and committed unfair dealings which is a breach of contract and a violation of my consumer rights. I was unable to drive the car and had to park it for over a year as the car was not functional. They therefore violated FDCPA and state Laws. This inputted a high financial burden on me and greatly affected my credit and therefore I will like the violations committed by the creditor to be investigated.
|
| 10/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.
|
| 08/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I contacted XXXX XXXX on XX/XX/XXXX when I noticed a charge. The charge was from XXXX and I had not received the item as scheduled. I tried to contact XXXX, but could not due to the XXXX rioting in XXXX. I thought my order wasn't delivered because of the mess. I emailed and called XXXX. Finally I received a letter from them saying I wasn't billed and the transaction was not completed and to contact the Bank for any issues with funds. I did this and TCF still has not recovered my funds as promised.
I have been chasing my money since then and TCF won't stop with their errors. They recently changed their banking hours, started back dating debits with no descriptions, charged overdraft fees despite all the mess with their systems and merger. The reps take no accountability at all.
|
| 03/29/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
This is a complaint for Tcf Bank I have never met a group of unorganized individuals. I feel like they are trying to get over on me. I had a debt with them from XX/XX/XXXX I paid the debt off in full in XX/XX/XXXX and in exchange I was promised that they would removed the fraud alert from my name in XXXX and to this day they have not removed it yet. I call them everyday I call the Tcf Bank in XXXX Illinois and they told me to call back I call them back and get told to call back again. This is the worst experience ever. I just want this fraud alert to be removed from name so that I can acquire a new account this has been going on for a few years now. I have proof of the receipt that the debt has been paid in full which I will attach to this complaint. Please resolve this matter.
|
| 07/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
in XXXX XXXX tcf bank started on a totally free checking acct charging a dormant fee of XXXX $ per mo.when i opened the acct in XX/XX/XXXX i was told totally free checking unless i went negative of corse, stopped using the acct in XX/XX/XXXX regularly.watched my statements monthly on line for about a year and all normal, was traveling the past year and thought nothing of this acct and figured in the future when getting back would surely use it again,XXXX $ was in acct and had n't changed in a year when i left, on XX/XX/XXXX i got a statement email, opened online and saw XXXX $ a month since XXXX XXXX had been being feed, i called customer service and the agent XXXX id # XXXX said she was the supervisor and could only give back half XXXX $ and sorry but it is all she could do
|
| 08/25/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes. Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, Mi. XXXX XXXX XXXX
|
| 04/25/2015 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
TCF Bank sold me a terrible loan in 2006 under the terms of 7.25 % for 40 years with zero money down. I was likely taken advantage of, but nonetheless I did sign to the terms. I 've never missed a payment since, and I 've called to refinance. They will not refinance my loan because my LTV ration is not 20 % or greater. Because of the loan structure, in 9 years I 've only paid {$6000.00} in principal. Other banks would be happy to work with me and refi, but my home does n't appraise for the XXXX ratio. My loan does n't qualify for HARP either. I 've asked TCF to work with me and adjust my loan but they wo n't, and wo n't return my calls. I even mailed them a letter. I feel very much stuck, as I ca n't refinance and/or sell unless I want to bring over {$30000.00} to closing.
|
| 06/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.
|
| 08/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I made some purchases online with a merchant name XXXX XXXX. the merchant receive over {$4000.00} worth of transaction using my TCF bank card. the merchant never render services nor ever send the merchandize I have order, I try to contact the merchant several time and no response at all, after some research I found out that the merchant not licensed nor is authorize to accept client from the usa nor usa citizen, that is a red flag that TFC fail to see. I have file a dispute with my bank TCF BANK several times and they fail to resolve the claim in my favor due to services not render or fraud merchant.
my understanding is that always consumer is protected under those circumstances.
therefor I would like to file a complaint against TCF bank for not resolving my claim.
|
| 10/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You
|
| 10/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am using TCF bank checking account. I have never consented to opt-in rule ever since I opened the account in XXXX, but I have just found out that they automatically put me in these option. And there was XXXX transactions ( credit card payment ) when I did n't have enough balance in my account. But the bank charged me {$74.00} for those XXXX transactions. I called the bank and explained the situation, but they did not apologize their arbitrary action, which is the violation of the law, and still insisted to charge me for the transactions since the transaction, which is credit card payment ) is related to my bank account. I do n't get it. If there was not enough balance in my account, they should have declined the transaction rather than charging me overdraft fee.
|
| 07/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.
|
| 08/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have TCF checking account. The problem with it is twofold : ( A ) ATM Debit transactions are not posted on everyday bases. Instead, multiple transactions are grouped in clusters and posted every other day, or even, every third day.
In such way, it is very inconvenient, almost impossible, for customers to balance account and monitor for potential fraudulent transactions.
( B ) Multiple venders have exactly the same ATM / Debit Terminal / Authorization number.
For example, XXXX store and XXXX XXXX store have exactly the same Terminal / Authorization number : XXXX. That is so regardless of the fact that both vendors are located approximately two miles apart from each other.
I find that to be illogical from accounting point of view and thus confusing.
|
| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
|
| 05/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I received a Covid19 payment due to the pandemic we are experiencing ; I did a mobile deposit of my check, the check posted to my account ; however, the bank won't make my funds available stating that I and my husband need to come into the bank. I tried to explain that due to the pandemic, my husband age and his health condition, neither he nor I will be coming into the bank. The funds is guaranteed since they come directly from the president of the United States and the government it self, the funds have already cleared so why won't they release my funds so that I may take care of my business affairs. This is wrong, unfair, and plan inhumane!
This care stimulus check was deposited on XX/XX/2020 I have called the bank on several occasion but to no avail.
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2020, I received a deposit in my account for an economic injury stimulus package. TCF National Bank placed a hold on the account, so in no way that I utilize the account, I could do urgent business. I have called and tried to resolve this matter with many attempts. I was told the hold would be released 24-48 hours and it has been a week. Their verification process has taken longer and is very misleading to me as a consumer. They continue to hang up as I get through to a representative. This is not being resolve in a timely manner and I have been working on the issue with an enormous effort. The deposit is strictly for business purposes which is the reason, being a XXXX XXXX, it was placed in to my account, as well as tax purposes and filings.
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
|
| 02/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX I had a bank payment of $XXXX that I had thought I canceled the autopay on. Because I had not planned for this amount of money being drawn out it caused me to overdraft my account on XX/XX/XXXX when I made payments of $XXXX and $XXXX to XXXX. Additionally, I had an overdraft on the XX/XX/XXXX due to two payments that I thought were canceled of $XXXX and $XXXX. I was charged on XX/XX/XXXX for 2 overdraft fees on the same day my paycheck of $XXXX direct depositted. I called and explained to the bank that I am currently living paycheck to paycheck due to a XXXX that I had wiping out my finances and I asked that instead of being charged 3 overdraft fees at $XXXX each that I pay just one. They would not budge on any of the overdraft fees.
|
| 03/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I obtained a vehicle loan with Gateway One lending and Finance in XXXX of XXXX on a XXXX XXXX XXXX. The car was repossessed in XXXX of XXXX, however I did not receive information as far as the date of the auction, location, or the amount the car was purchased for. I was checking my credit report and notice I had an outstanding balance remaining on the account for {$22000.00}. I did not purchase the car new and had missed XXXX payments prior to repossession. I do not understand why the outstanding balance is so high or why I was not noticed of what the car was sold for. I also do not believe the balance listed on my credit report is accurate. I would like to see physical proof of what the lender received for the car, and the balance owed corrected.
|
| 05/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
We were about to sign for our TCF Bank HELOC when we received this email message : " TCF Bank has made the decision to prioritize all purchase and refinance transactions that are currently in the banks pipeline at this time. When capacity allows, TCF Bank will change focus on closing your HELOC transaction. We understand that may delay projects you had planned, but we are fully committed to continue on working your application for you as soon as possible based on our capacity. '' My loan was in the pipeline long before other loans that are being prioritized above my loan. They are now telling me that our loan will not close until sometime in XXXX. I believe this to be an UNETHICAL practice and would like to be advised as my best course of action.
|
| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.
|
| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.
|
| 06/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.
|
| 08/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before XXXX I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.
|
| 03/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2020, I went to TCF bank to cash my check. The lobby wasnt open, so I went to the drive through window. The Service Rep sent me a deposit slip so I could deposit some of the check in the bank. She told me to sign it. The check was for XXXX. I was trying to deposit XXXX into my account and pay my overdraft balance of XXXX. The Representative told me I cant get any money until 1 or 2 days later. I left and called the bank consumer line and that Representative told me I would have to wait till Tuesday to get some money. Im not understanding why are they holding it and I went to the bank to cash and deposit money. Ive done this before and this has never happened. Why now and I need my money to take care of my elderly Mom and food.
|
| 02/15/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX financial services continued to contact me at my work place after I repeatedly told them to stop calling. They also have contacted my mother, my ex wife which neither are on the loan. They have sent someone to my house that refused to leave until I call XXXX XXXX, that person drove in my yard and ruined my grass because he said he was to old to see at night. This is considered in my opinion harassment, I have had my loan for over 3 years and have never been 30 days late.I am getting headaches and body aches because of the constant pressure that they are applying. I have never experienced this, I have had over 5 car loans, multiple mortgage loans and no company has treated me in this manner. The representatives are very rude!
|
| 12/20/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.
|
| 10/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.
|
| 12/19/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem.
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud.
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad check!!!!!
|
| 10/13/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
Older American, Servicemember |
|
I was charged {$4.00} for the last 3 months for a service fee totalling {$12.00}.
A letter from TCF bank stated that as of XX/XX/2019 a {$10.00} fee will be charged for accounts with no activity for 365 days or less than {$250.00} in the account. I opened an account on XXXX {$50.00}. Ther has been no activity since, now the account is {$12.00} short. Their terms and conditions state they may charge a fee but never notified me of a fee process except for the letter mentioned above which is not binding until XXXXThier 10 page fee schedule does not state any exact maintenance fee schedule. I believe this is an inproper business practice using a 36 page T & C booklet and a 10 page fee booklet without specifically showing a fee.
|
| 02/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
This line of credit is attached to my home as a Home Equity Line of Credit. In XXXX TCF Bank requested proof of flood insurance and homeowners insurance. I sent them the proof on 2 separate occasions along with my insurance agent for a total of 4 times. Each employee stated they received the proof and would make the necessary adjustments however the bank continued to add their own policy and increased my payment for XXXX. I made my regular payment for XXXX however the bank continued to claim i had a past due amount for the flood insurance and they assessed a late fee and reported me to the credit bureaus. I also leased a new vehicle and due to this mistake by TCF and the negative report my payment is significantly higher.
|
| 02/16/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
Older American |
|
I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.
|
| 02/09/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American, Servicemember |
|
TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!
|
| 04/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a credit card with TCF bank some years ago.
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months.
I paid every month during that 12 month period the minimum balance and got no interest charged.
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off.
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me.
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.
|
| 08/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is a new complaint about TCF Bank. Piggy backing complaint XXXX.
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.
|
| 10/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current.
I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious!
Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.
|
| 07/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX 2016 i was XXXX and sent to XXXX for XXXX XXXX got out of XXXX on XXXX XXXX 2016 on the XXXX XXXX XXXX i went to my bank to get money and to find out i had XXXX to m y name i tell the bank i want to make a complaint that my money was gone that i should have XXXX in there not XXXX i filed a fraud on account and made a police report in two towns in XXXX and in XXXX colorado on the XXXX XXXX 2016 by the middle of XXXX to the XXXX XXXX XXXX tcf said i have lost my money and they will not pay me back my XXXX that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2018, I deposited a check of {$4000.00}. After a few hours, TCF took this deposit and turned it into a debit on my account thus turning my available balance far into the negative. I called and they said this is normal in which they need to hold the funds before they can release. I understand holding the incoming funds from being released, but not taking the available funds from my account and doing what with? Earning interest on their end? I was sitting at dinner and couldn't pay because they essentially held my money. Even their employee said that it was ridiculous but sadly outside of her control. Based on her tone, she gets these calls often.
How. Is. This. Legal.
Tomorrow I am switching banks.
|
| 03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This complaint is not duplicate!! This complaint is not duplicate!!
I have XXXX XXXX leading & finance for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
|
| 10/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My checking account at TCF National Bank has been charged fees of an excessive amount, nearly abusive, resulting from overdrafts. I take responsibility for the overdrafts but the excessive fees resulted in economic harm to myself and my family. I would like the situation to be resolved in a mutually beneficial way so the account is reinstated, the fees are reduced, and the bank has the ability to make use of the account. I have the need for additional personal and business accounts. It has taken quite a long time for me to address this issue as there have been a series of illnesses in my family, with my wife 's mother and father passing away and my own mother XXXX in XXXX after a long struggle with XXXX.
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/XXXX, a purchase was made that brought my account approximately {$6.00} under my balance. Before the transaction was posted a deposit was made to cover the amount. According to the policy of TCF bank itself, deposits are credited prior to withdrawals or purchases. However, TCF has decided to charge an overdraft fee for the charge, even though the charge has still yet to post as of today XX/XX/XXXX. An attempt was made to clarify and have them correct the issue. However the overdraft policy and how it works changes every time you talk to TCF based on your situation. This is now the second time I have has to file a complaint against TCF with the CFPB due to their unethical overdraft practices.
|
| 04/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.
|
| 08/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.
|
| 05/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.
|
| 03/02/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
On XX/XX/2017 I found a Hard inquiry from this company on Credit report. I have not or nor have I started business with the company stated which is Gateway One lending and Finance XXXX, CA XXXX. I have not requested any Car loans or vehicle lending service. I submit in full confidence that this is a major error that has and could still negatively affect me. I require a release from this company in writing to have this removed from my credit report. Despite having over XXXX consumer complaints on the bbb, I am sure I can seek and receive a satisfactory outcome in this matter. If you could, once confirmed please send a letter via through the cfpb portal so that I can have a copy on hand. Thank you.
|
| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have a XXXX and XXXX mortgage with TCF bank. The XXXX mortgage has an interest rate of 6.40 % and the XXXX has an interest rate of 4.99 %. We have had both of these mortgages for a long time and our house is upside down in debt. All we are trying to do is get our interest rate lowered to a reasonable rate. I have, for the past 2 years, been dealing with several mortgage brokers at several locations who say there is nothing they can do, I ask them to pass the information on to their supervisor they take my name and # and I never get a phone call. We have been struggling to make the payments, but have been making them, it would be extremely helpful to get an interest rate that is reasonable.
|
| 05/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
After conducting some regular business transactions ( wires, check deposits ) TCF National Bank closed my accounts and reported me to XXXX. TCF has not provided any detailed information as to why they reported me to XXXX other than I was supposedly involved in Suspected Fraud Activity. I am now unable to open checking accounts with any Bank. This issue is causing severe challenges with me being able to pay my regular bills and having a basic checking or savings account. I have not been involved in any fraud whatsoever and want my name cleared of any wrongdoing. I have disputed this information with the TCF Bank and with XXXX several times and have not been able to have my information cleared.
|
| 04/24/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.
|
| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.
|
| 01/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
|
| 05/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods.
XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}
|
| 08/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.
|
| 09/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I am trying to refinance my mortgage with TCF Bank. However, they never answer the phone to provide necessary information. Ive been on hold on 6 occasions for more than 2 hours each time and cant get in touch with anyone. My mortgage broker has also tried several times to contact them and cant get through to anyone. This is making my refinance impossible to finalize and will end up costing me thousands of dollars. TCF Bank is the WORST bank Ive ever dealt with. I cant even say their customer service is terrible, because it doesnt even exist, there is no customer service, Im just out on hold forever with no resolution. People should avoid TCF Bank at all costs. Dont bank with TCF!
|
| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Sent a letter however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Gateway One '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My TCF saving account was repeatedly charged {$10.00} DORMANT FEE since XX/XX/XXXX, and recently it was charged a $ XXXX MONTHLY MAINTENANCE FEE due to DORMANT FEE makes account balance below {$100.00}. I tried to contact TCF customer service three-times but always endless waiting time. Each time I waited over 50 minutes but still nobody answer the call.
I opened my TCF account about 10 years ago and never heard or have DORMANT FEE in the past 9 years until XXXX. When I opened this account in XXXX, I'm pretty sure nobody notified such thing about DORMANT FEE. And since this year, TCF bank just silently charged {$10.00} DORMANT FEE every month without any notice about this.
|
| 09/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had an auto debit come out of my account that was closed because of personal reasons and XXXX XXXX sent the payment the same day out of the new account on XX/XX/2020. TCF Bank say 's they never got the payment and gave me a fee and put a hit to my credit. I sent all documents to TCF to show the payment came out of my new account. Now they are saying that they sent the payment back. I have not been credited back the payment to XXXXXXXX XXXX account. They are still giving me a late charge and not giving me credit for my payment. I'm trying to do is have my payment credited and remove fees and any hit to my credit. The payment was never late just lost in there system.
|
| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened the account over telephone through a personal banker. During the phone call, the banker applied a special offer where I was to receive a {$250.00} bonus upon completing the terms of the offer. The terms stated that I had to do one of the two following things : 1 ) Receive direct deposits totaling {$500.00} or more OR 2 ) Make at least {$250.00} in debit card purchases I completed the {$250.00} debit card purchase on XX/XX/XXXX which was within the 60 days of account opening.
It is nowXX/XX/XXXX, and I have not received my {$250.00} bonus. I 'm sure that all telephone conversations are recorded and, as such, I demand that the terms of this offer be honored.
|
| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it.
|
| 05/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XX/XX/2021 I have savings, checking and business accounts at TCF bank in XXXX XXXX Michigan. For six months. My business account deposited a bad check from a client. The bank froze all three of my accounts without explanation for 2weeks. I received a letter within 10dayd to close the account. I have been trying to do so for three weeks. I have had this XXXX XXXX would not close my accounts, held my debit cards and driver license for 3hours without explanation. I demanded that I have my property return immediately. Why would you close a personal account for a business account situation. It is unprofessional experience don't have all three accounts at the same bank.
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have been usin g TCF Bank until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with XXXX pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged XXXX fees. They refused to help me and I hung up the phone.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day.
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!
|
| 10/28/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I refinanced in XXXX with TCF Mortgage, in XXXX I refinanced again this time using XXXX. Now I am trying to sell my house but a title search has shown that TCF Bank didnt properly satisfy the mortgage with the county. I have been trying to get resolution from TCF Bank since early XXXX. When you call them you have a hour wait which I have waited but still dont provide help. You cant get a direct number to anyone and if you send a email to customer service you dont get a reply back. I have a title company trying to help with this but get the same results, in fact when they actually spoke to someone and asked to speak to a manager they were hung up on.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.
|
| 10/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.
|
| 05/20/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I visited tcf branch atm to make a cash deposit to my account. The ATM encountered problems and it didnt process the full deposit. The ATM didnt release the rest of the funds back to me. It kept it and told me to contact the branch. It has now been 24 hours and not only am I without my money but I also have hundreds of dollars in overdraft fees because of this matter. I filed a dispute with the bank and Im being told I have to wait 5 business days for the claim to be finished before I can retrieve my money back. Its bad enough Im without a job due to covid so to be without more money and no compensation while tcf correct this issue is wrong.
|
| 11/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am writing because we were late on are loan and this company started harassing an telling family members they were going to come looking for us and they have been trying to get a hold of us for months. we have never been 30 days past due with this company. Yes we have been late. I actual called do n't know for sure the name but number is XXXX ext XXXX. I told him this was totally uncalled for, that he was lying to family members and I will be making a payment 1st thing in the morning, his response was he would disconnect the call if I did n't verify who I he was talking to. Even thought he returned by call and said am I speaking to XXXX.
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
|
| 05/24/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
|
|
XXXX bank in Michigan refuses to cash a check drawn off their bank to a non customer unless the customer opens an account called XXXX. I have proper state issued drivers licenses and XXXX other forms of acceptable governmental ID. I do n't bank with them nor do i ever plan to but they should be required to honor checks written from their customers to others. I was told it was a federal regulation that required me to open this XXXX account. When I asked what federal regulation stated that " i am in banking and know every regulation like the XXXX '' I was told well we dont know but its a federal regulation and you MUST open this account.
|
| 11/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.
|
| 11/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.
|
| 08/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XXXX I was charged two over draft fees. On XXXX I had a positive balance. On XXXX I had No transactions and deposited {$2000.00}. I also got a {$74.00} over draft fee. When I found out on XX/XX/11 I called customer service twice. First after a 50 minute hold. I spoke to an agent for 10 minutes then put me back on hold then was disconnected. Called back and after a 40 minute hold got help for about 30 minutes. She couldnt figure out how to help me before I had to drop. She said she created a ticket and someone would call me today. I confirmed the phone number and disconnected the call. Still have yet to hear back from someone.
|
| 06/09/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Servicemember |
|
I have been processing a 2nd mortgage for a home purchase through TCF Bank. They have approved the loan then kept finding little things to update and request changed ; most recently they forced our appraiser to update their appraisal for frankly frivolous reasons. Finally, today, they told my broker that he should withdraw the loan as fraud to avoid getting into trouble. I have a seller threatening to withdraw from the contract and charging me $ XXXX /day to keep the purchase alive and TCF is playing psychotic games and throwing insulting comments about terrorists and strawma n purchases. They have been abusive and defamatory.
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CHEMICAL BANK - XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 07/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!
|
| 01/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I bought a house in XX/XX/XXXX with T.C.F. BANK IN ILLINOIS AND I PAID ON IT FOR 14 YEARS AND THEN I HAD A PROBLEM AND BY THE TIME IS WAS INFORMED I HAD TO HELP THE BANK SELL MY HOUSE AND THEY PROMISED TO HELP ME BUT THEY DID NOT AND I LOST MY MONEY MY HOUSE AND MY GGOD CREIDT SCORE, IM TRYING TO GET ALL MY DOCUMENTS FROM THE FIRST DAY OF THE LOAN I FEEL THAT THE BANK ( T.C.F. ) COMMITTED FRAUD AND NOW THEY WONT RELEASE MY FILES TO ME PLEASE HELP ME MY NAME IS XXXX XXXX XXXX CELL # XXXX EMAIL XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ALSO T.C.F. ADMITTED FRAUD TO MY CREDIT COMPANY IN XX/XX/XXXX
|
| 01/05/2017 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS.
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT.
XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION.
S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.
|
| 01/08/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
TCF is refusing to provide me with account information for an old HELOC that is still coming up on my title as having a lien. I have not had this account nor ever used it! When I requested a lien release they sent the request to county to release it but won't provide me with any information on the account or give me an account closure letter stating I never had an account or that my account is too old and they don't have the information in the system anymore. I have gone into branches and even had new lender I am trying to use to get a new mortgage help me to try and get this info and no one at TCF will give us anything.
|
| 07/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get XXXX overdraft fee this month, instead I have gotten XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at XXXX XXXX and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but XXXX of these fees as soon as possible!
|
| 02/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.
|
| 08/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.
|
| 09/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/2020 I connected to my online TCF Bank account and saw a savings account had been opened in my name on XXXX XXXX, 2020 and {$200.00} withdrawn from my checking account.
I went to the local TCF branch nearest me and asked the teller, " Who opened a savings account and withdrew funds from my checking?? '' " I have no recollection of opening it '' He could not answer that and asked what Id like to do.
" Cancel The TCF savings account immediately. '' The {$200.00} was returned to my checking accountt, but it troubled me why or by whom the Savings account was opened.
I have screenshots of the transactions.
|
| 07/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
We got line of credit with TCF thru mortgage broker. We had no idea the terms of the line of credit are really bad. we were in tough spot and had no time to shop as we were going to loose the house. This HELOC is with variable interest rate with interest rate payments only for 10 years! Have not been able to communicate or have not had any success with TCF to modify the terms of the loan. the payment changes every month and no principal is being paid down. We will be forced to file for bankruptcy and ask the courts to discharge the HELOC if we dont come to agreeable terms with fixed rate and principal pay down.
|
| 11/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank currently has issued me XXXX Overdraft Charges. XXXX of the charges are on Deposits!!!! XXXX of the charges are on amounts that kept my account negative under {$3.00} a total balance of $ XXXX I called and verified this would not be affected because it was under {$3.00} and advised I would be bringing a cash deposit, also told by the employee the cash could be deposited in the ATM and I would still avoid the fee except for the XXXX purchase that put me into overdraft-I have XXXX purchase and XXXX deposits. I should have only XXXX overdraft fee, I should not have XXXX fees. This is very disheartening!!!!
|
| 08/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
We enrolled in the overdraft protection. After doing so we received a total of {$100.00} in overdraft fees. The employees are not informing us how this system works, until we get a overdraft fee and are like oh Im so sorry you didnt know how it worked. We deposited money into the account to cover the balance and there was another fee. The bank is TCF bank. They say that it was posted after the money was posted but online it shows no charge after our deposit. It seems like they are just making up reasons to not give us back our money, this seems like its illegal for them to do this, and we want to file charges.
|
| 01/05/2017 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS.
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT.
203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION.
S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY XXXX.
|
| 06/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.
|
| 11/04/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
This is to inform you that over XXXX customers who have come to XXXX XXXX XXXX in XXXX in the past year or so and ate or had a drink are being charged XXXX from their accounts on a single day. The fraud in this restaurant is massive. I personally was charged over {$2000.00} in XXXX XXXX and on XXXX XXXX, I was charged again another {$1200.00}. This happening to lots of people. The management is saying XXXX XXXX, XXXX. a credit company is doing this. My bank is saying XXXX XXXX XXXX is doing it. I have filed a police report with XXXX Police Department. We need your intervention.
Please help stop this menace.
|
| 04/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
1. TCF Bank did not let me close my account, they instead requested me to go to the original branch in a different state in order to close it, which is unreasonable. I originally contacted them around 6 months ago.
2. TCF continued charging my account a monthly fee for inactivity with the intent to deduct my entire balance. Inactivity charges were not present when I originally signed up to the account, the policy changed without my approval.
3. When I tried to withdraw funds electronically by adding my account to XXXX, TCF put my account into dormant status, which made it impossible for me to do so.
|
| 09/20/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have a home equity loan from TCF Bank. I have been unable to pay my bill online for months now. Their website is non-functional, and no longer allows logins. I attempted to call them during working hours, but the wait is at least 90 minutes and I have been unable to get through.
I finally paid my bill by check, and they sent me a notice warning my that my loan is past due without acknowledging my payment even though the check was cashed.
I no longer want to do business with this company, but I have no way to contact them to pay off my loan or even to find out my remaining balance.
I am trapped.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank.
I would like to know what is the problem. I feel myself as a criminal.
|
| 12/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank.
I would like to know what is the problem. I feel myself as a criminal.
|
| 01/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I lived in Illinois for 40 years and had a tcf account for about 4-7 years. I was so overcharged by TCF bank- Over {$500.00} plus prior I have constantly overcharged hundreds and hundreds of dollars. I finally dumped them and they gave me a bad credit report. My son had an account only for a year or so and he received a check.I should have received a substantial check as they milked me out of more than {$1500.00}. Plus the hours I spent talking to c.s. and going to the branch to try and work things out - which never prevailed. I should have been on this - was it because I moved? Thanks - XXXX XXXX
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
|
| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Hi this company has XXXX accounts on my XXXX, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the XXXX and XXXX theft. I want it removed and please have them to stop putting it back on after it was taken off Account # XXXX XXXX {$1000.00} Fraud Account # XXXX XXXX {$1000.00} Fraud
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Tcf bank is double charging on transactions, they deducted the monies at the time of purchase, then when the transaction post, they deduct the funds again. The statements provided are very confusing and do not give full details of each transaction. The online app has already moved the transaction making it very hard to follow. I tried to resolve the issue with the Branch manager asking for copies of all statements but he said he could only retrieve the last 3 months of statements and could only provide the statements that dont show the date of purchase only when payment posted,
|
| 03/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I have been denied using the online payment services because I put in accidentally the wrong account number because I have problems with my vision. Both times I had to call them to ask why my can payment was still on my account. Them once time I was late because of medical problem was to sick to get out to send my payment ... It got to a total of {$520.00} before I was able to pay it ...
I have to go through XXXX to pay my car payment which cost me an additional {$11.00}.
I am elderly and sick which I informed them ... My loan is for 36 months and it expires in XX/XX/2019..
|
| 06/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
As stated by the FDCPA ( A debt collector may not contact you at inconvenient times or places, such as before XXXX in the morning or after XXXX at night, unless you agree to it. And collectors may not contact you at work if they 're told ( orally or in writing ) that you 're not allowed to get calls there. ) This morning, XXXX/XXXX/2015, I received XXXX phone calls prior to XXXX from Gateway One Lending XXXX XXXX at XXXX, XXXX, XXXX and XXXX, evidenced by phone records and screen shots of my call log taken on my cell phone. I also received an email from XXXX XXXX at XXXX.
|
| 02/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had an account with Gateway one lending and finance for an auto loan. I paid the account off for the remaining balance of {$1900.00} on XX/XX/2019. I recently had my credit pulled for a home loan and it shows on my credit report that I was 30 days late. I called Gateway one to have the derogatory mark taken off my credit report and I was told that they don't handle disputes this way that I needed to write a letter a mail it in. I mentioned to them that I am in the process of getting a home loan and did not have the time to wait that long. They still refused to help me.
|
| 10/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My complaint is with TCF bank. My son and I both had checking accounts with TCF. They closed them for " inactivity '' saying it was dormant.They took all the money in fees even though we were not in accounts that require minimums. I called to give them a change of address and was told it was closed. We did not use the bank because their website was so difficult to sign in and even use. Also, we could not get replacement cards even when we asked. In two you they never even replaced what would have been expired cards! Worst banking experience ever. I want our money back!
|
| 12/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
This company has broke the FCRA and Fair Debt Collection Laws 4 times.
They have called me 30 times a day harassing me. They have threatened me with injury and to take my car by force. They threatened to sue and arrest me. They discussed this with my family trying to guilt family to pay to keep me out of jail and not lose a car for the holidays. XXXX XXXX has many complaints about their abusive and fraudulent tactics! They do not respect the FTC Do Not Call List, nor respect being told to be on the Do Not Call List on phone verbally and via email and certified mail!
|
| 10/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The loan dept at tcf Bank does not answer the phone. I have tried XXXX to 7 times in the past month with hold times being a minimum of 2 hrs and the longest being 4 hrs at which I eventually hang up because no one will answer the phone. I tried calling the regular tcf bank customer service and after a wait time of 45 minutes someone answered the phone but said could not help me with loan services. I made a {$110000.00} online payment with a balance of {$110000.00}. I got a statement today that tcf bank is continuing to charge me interest at a higher rate.I need help
|
| 03/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
I have a few clients that deposit monies into my checkings and they frequent your warren office on gratiot and EVERYTIME a deposit is made the clerk gives my balance to the people I do not appreciate it and am aware it 's against your regulations because you make me show my own identification before you give me my own balance. Also discussed a deposit and where it came from I am the only one on the account so this information should n't be released from any clerk to anyone I am livid and would like this to be fixed ASAP IT HAPPENED TODAY and numerous other occasions
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I applied and was approved for the eidl through sba. As I am a very low earning set operating business I have never established a business account because I could not afford most of the minimum balance requirements or credit requirements. So my only checking account is a personal account. I had my loan funds put into the account at TCF bank ( XX/XX/2020 ) and my account has been placed under review, my loan was withdrawn, and my account is now negative ( XX/XX/2020 ). I was given a mere {$9000.00} from sba and now I am {$4000.00} in debt due to TCF doing this.
|
| 07/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.
for a information in my account XX/XX/XXXX of every month I deposit XXXX for a university payment
|
| 03/15/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My XXXX XXXX ( via XXXX XXXX ) has sent a {$600.00} payment to XXXXXXXX XXXX ( TCF Bank ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. XXXX XXXX has contacted TCF Bank several times and TCF claims no funds are being withheld. I have paid the {$600.00} to XXXX XXXX in my XXXX billing cycle. I have contacted XXXX XXXX numerous times in which they claim the {$600.00} has been sent. Attached are two letters. One from XXXX XXXX stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
|
| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My bank checking was account was attempted to be scam in the amount of {$3200.00} but XXXX caught this and is now investigating this. Now in regards to this they have had {$3200.00} on hold from me gaining access to my money for 67 days which has caused me a financial hardship of not meeting my bills responsibilities on time and as a result of them doing so I had to join a debt relief program, have my credit go into negative reporting and lower credit score in which I feel they are responsible for this in not resolving their investigations in a timely manner.
|
| 10/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.
|
| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I 'm trying to close my late brother 's checking account at TCF Bank. I am the executor of his estate. I sent a letter requesting the closure with instructions for payment, along with original embossed seal copies of the death certificate and letters testamentary from the court. I 've called twice after sending the letter, and have been told they 'll contact me, but nothing. It 's been a month, which seems like more than enough time for this. They have my street address, email address, and phone number, and have n't reached out to me once with an update.
|
| 07/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}.
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct.
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency.
This bank is dishonest. Why is TCF bank still in business?
|
| 03/26/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
TCF bank paid a check of {$5000.00} from my account to unauthorized person, TCF was informed about the check since XXXX, but have refused to get the money back to me, keep telling me to wait. the last letter I received on XXXX/XXXX/16 from TCF stated the case will be resolved in 28 business day. but today when I called tcf to find out the status on the case I was told to continue to wait that TCF is not sure when the other bank the money was paid to is going to return the money. I think TCF do not care about how this is affecting me financially.
|
| 05/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Variable rate line of credit was funded XX/XX/19, Reviewed loan and found not in compliance I XXXX XXXX ( mother ) involved with process with son 's signed authorization.
I have XXXX XXXX in remission and made several mistakes on my complaint letter, however still mistakes.
Note describes PRIME as index but does not indicates MARGIN example : plus or minus 1/4 pt.
This transaction was done via internet and son did not receive early disclosures including booklets.
Rates have changed with no notice Maybe other issues that I'm not aware of
|
| 12/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company abandonment of interest in the car. The lending company still didn't provided no statements since XX/XX/2018 to present. The company lock me out of the account, they stated do to status of account. I mailed a check and they return my check ( XXXX, XXXX and XX/XX/2018 ). I sent the money order XX/XX/2018 and they return it. They never accept money orders or checks as stated in there XXXX report. I ( VOLUNTARY SURRENDER ) the car. They still report it as open. They never updated. The balance never was reduce for being surrender.
|
| 06/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XX/XX/2021 I called TCF Bank to close all four ( 4 ) of my accounts with them. XX/XX/XXXX they closed two ( 2 ) of the accounts and mailed me a check for the balance on those two ( 2 ) accounts. The remaining two ( 2 ) accounts were not closed and the bank still continues to charge me service fees.
When I called on XX/XX/2021 TCF Bank advises me I have to close them in the branch. I live in XXXX XXXX California. I'm nowhere near a branch.
This bank is clueless and of no help, for months they have charged me fees on accounts I can't use.
|
| 12/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/20 a {$50.00} payment was scheduled on a recurring basis from my savings account and the balance was below {$50.00}, the following day I transferred the difference of {$47.00} which {$41.00} and {$8.00} was the actual balance, my history shows that every month I transfer the funds from accounts to cover charges due each month.
TCF Bank charges fees to customers the next dat without giving customers any leverage to make a simple transfer the following day before they charge customers {$37.00} fee. I REFUSE TO PAY TCF A FEE!
|
| 12/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.
|
| 09/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
We are refinancing our loan and the bank that owns our loan, TCF Bank, is out of compliance. Paperwork was submitted for a payoff amount on XX/XX/14 and as of XXXX they still have not responded with the requested information so we were not able to close on our refinancing loan in XXXX which was the agreement.
TCF 's incompetence has been shocking. They recently asked if my loan is a VA loan. It is not, and it is crazy that the bank that owns my loan had to ask me that question. They clearly have no clue what they are doing.
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit.
|
| 02/05/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
A personal Guarantee on a business loan was taken out with Chemical Bank in XXXX, MI. In the process of the loan, they placed a lien on my residence. This loan guarantee was discharged in Bankruptcy XXXX of XXXX and is still on record at the county not allowing me to do a reverse mortgage on my home. We ( my attorney and I ) have worked for nearly two years in an attempt to have them send me a discharge of lien so I can provide that to the new lender. Chemical Bank refuses to send me a discharge. Files are attached.
|
| 12/17/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries.
|
| 10/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
As of XX/XX/2019 the account in question is reported as a derogatory account. It is also reported as a paid Charge off account. When in fact this account has been paid on time from my bank account directly to the lender for over 2 years. This activity and history are shown in the history of this account. I have a copy of the history of this account and it can be shown that the account was not discharged or dismissed. This account has not been paid from a bankruptcy plan and should not be in that status.
|
| 04/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions
|
| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.
|
| 10/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
XXXX did it again. XXXX checks written days apart held until the perfect moment to hit me. The {$74.00} check in the pictures I 'm enclosing was written 6 days previous. Please make them stop this criminal robbing of their customers I 'm begging you they 've taken hundreds it if not thousands from me and my family. You 'll notice in the second pic I had {$200.00} in my account to cover these checks so how am I {$78.00} in the red when the checks do n't come close to equalling {$200.00}? Please help me.
|
| 08/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am being harassed consistently by this company. I work as a XXXX 84 hours a week for XXXX of Massachusetts and my client needs XXXX. This means I need my sleep and the call at all hours of the night and her ASPI. They have also recently contacted my employer 's mother and used public records of an incident years ago to negatively impact her judgment on my character. I am feeling unsafe as they have showed up at my house and I am upset. I have all sorts of documentation and even screenshots and texts
|
| 04/20/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.
|
| 05/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My account was negative {$40.00} on XX/XX/XXXX. I made a cash deposit at an ATM that evening at XXXX of {$41.00}. The account was positive XXXX cent. On XX/XX/ I also recieved a direct deposit in the amount of {$370.00}. The bank charged me {$180.00} in fees and stated my deposit of {$41.00} didnt apply until the XXXX of XXXX not XX/XX/XXXX. I brought in the receipt of the deposit from the ATM which clearly stated the deposit had been made onXX/XX/XXXX. The bank refused to credit the overdraft fees.
|
| 03/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I filed a dispute for fraud on XX/XX/XXXX for 2 transactions with XXXX, after some time TCF denied my claim, and then denied my appeal. after I filed a CFPB claim they agreed to help me " recover the funds '' from XXXX. 10 days later I received an e-mail from XXXX that the funds from these transactions had been withdrawn and TCF now had the funds in their possession. However to date I STILL have not had these funds credited to my account, why is TCF holding onto these funds that are rightfully mine?
|
| 09/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Refinancing due to divorce. New title company has asked for payoff information 3 times by email and 1x by fax. I personally called Wednesday XX/XX/XXXX and requested payoff on both 1st and 2nd mortgage. Friday XX/XX/XXXX the title company received two payoff letters on the 2nd mortgage. Saturday an overnight letter was sent to XXXX Michigan and was received by XXXX XXXX at TCF Bank. As of Tuesday XX/XX/XXXX neither myself or the title company have received any payoff information on the 1st mortgage.
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Gateway Lending is reporting inaccurate and erroneous information regarding a loan that I had with them. Traded in this vehicle and asked for the payoff, the payoff amount was submitted in writing to XXXX XXXX XXXX. After the trade in transaction was completed they reported to the credit bureaus that I owed them over XXXX in arrearage to. In addition to this this company knowingly repossessed the car at one time knowing that it was in an active bankruptcy and that they were breaking federal laws.
|
| 08/11/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.
|
| 02/04/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
Servicemember |
|
TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.
|
| 07/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a copy of my credit report and noticed the company gateway one lending is not updating the balance on my credit report the company is not reporting my payments the balance on the account is still showing high and I have been making my payment please look into this company I think they are not reporting that my balance is decreasing so that other car lender won't finance me I dont think its right I have been making my payments and they are not reporting them to the credit bureaus
|
| 01/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!
|
| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.
|
| 10/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
On XX/XX/2020 I had fraudulent activity on my TCF Bank checking account that caused my account to be overdrawn by XXXX dollars. The activity was reported as fraud. I have called several times with customer service for them to tell me to go to a bank to get the fees waived. Ive explained to them numerous times Im in California and can not simply go to a branch. They refuse to give me my money back for overdraft fees that were not caused by me, but the activity that was fraudulent.
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
A deposit was made to account XXXX on XX/XX/XXXX. The next day I withdrew money. On XX/XX/XXXX TCF decided that this was a fraudulent transaction and started an investigation and closed this accoiunt. About {$1700.00} was in the acciunt before it was closed and they deposited 2 social security checks after account was closed. I was told investigations can be ongoing for 3 months. I have sent 3 letters, one of them was a requested notarized signature and have gotten no response.
|
| 07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received my consumer report and it states I have reported information from TCF National Bank from XX/XX/2012 for non sufficient funds at ATM for an amount of XX/XX/2012, I was unaware of this being on my account but previously I received a call in 2012 from the bank and I explained to the representative I had no knowledge of a check being deposited, I would like an investigation done because I 'm trying to obtain a checking account through a bank and this is hendoring me.
|
| 12/14/2020 |
No |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
I am trying to obtain a payoff for a mortgage with TCF Bank. I have submitted the request for the payoff three times but TCF Bank is saying they have not received the request. It has been over three weeks and the mortgage is in foreclosure, yet TCF Bank is refusing to send the payoff. I think they want to foreclose because there is so much equity in the property and they will financially benefit from not having it paid off before it is foreclosed upon. This is scandalous.
|
| 09/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far.
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.
|
| 06/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I called Gateway One Lending and Finance at XXXX to payoff my car loan and they wouldn't take my payment. I pay online and they wouldn't take that payment either. They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off. I contacted the company and they said they couldn't help.
|
| 07/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I believe TCF bank submits items in an order that creates additional overdraft fees. I have several examples I can send in the next few days. My account has been overdrawn due to my own behavior, but I believe they have exacerbated the problem with unreasonableXXXX overdraft charges. I call them every month and they forgive a few but the next month I see charges moved around which creates additional overdraft fees to the tune of 100 's of dollars this year alone.
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving debt collection phone calls from TCF Bank in regards to 2 checking accounts that I had with TCF Bank that was included in my bankruptcy petition. The 2 checking accounts was under the following social security numbers : XXXX and XXXX. The 2 checking accounts was discharged in bankruptcy court. My date of birth is : XX/XX/XXXX
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
There is always money deposited to cover funds that are withdrawn on the day it is paid. There are many branches nearby that are closed and it is inconvenient to make a deposit without a bank nearby so I have to drive far to head to a grocery store that has a TCF Bank ATM deposit machine. I deposit cash and it still says pending and I am being charged outrageous fees.
XX/XX/19 {$37.00} XX/XX/19 {$74.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00} XX/XX/19 {$37.00}
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened an TCF fee free checking account over the phone on XX/XX/XXXX. I gave the representative the promo code XXXX and was told it would be deposited to my account after I met the necessary requirements. According to the terms and conditions it stated we will deposit {$250.00} into your account next business day following criteria verification. I still have not received the bonus after meeting the criteria of using my debit card for a {$250.00} purchase.
|
| 06/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.
|
| 03/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.
|
| 06/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I attempted to close my account with TCF. At the time, I had also disputed a series of charges to my checking account. The TCF teller informed me at the time that if they closed the account, they would refuse to process the charge dispute. If I wanted to close the account, I would have to forfeit any monies that were being disputed.
This was escalated to the branch manager, who made the same claim. When I asked for a contact above her, she refused.
|
| 12/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.
|
| 05/26/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Beginning in XXXX of 2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls to Gateway One, only to be given numerous explanations to why this miscalculation continues to damage my Credit worthiness.
|
| 01/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received a call from agency telling me I owe a debt. I do not owe TCF Bank any money. They advised me that they would serve me with papers at my place of work. They had the wrong social to begin with then they came up with the right one. I told them to send the documentation to me current address to which they did n't have and told me they served papers at an old address. I have been living at my current address for 6+ years. I do not owe any debt
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We applied to refinance our home loan in XX/XX/2021 and submitted all required documents by XX/XX/XXXX and received a conditional approval. Since then it has been radio silence from the lender ( TCF Bank ). They do not respond to our emails and calls and haven't been able to explain why our refi has not closed. We suspect the lender is intentionally delaying to continue to collect interest from us at the higher rate of our original mortgage.
|
| 08/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.
|
| 11/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.
|
| 05/24/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX I refinanced my mortgage loan with TCF Bank. In XXXX TCF sold my loan to XXXX ( XXXX XXXX XXXX ). When I received loan documents from XXXX a ( redacted ) trust affiliated with XXXX XXXX was listed as lien holder. After TCF Bank sold loan XXXX or XXXX changed my monthly payment. They also changed my loan from non-escrow to escrow. On XX/XX/2020 I requested original loan documents from TCF Bank and was told they were sent to XXXX.
|
| 06/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I recently received a notice from TCF bank stating that my account had a balance of XXXX, and was being close. Upon inspection I see that they have been charging me a dormant account fee, depleting the balance of the account, and then running it negative.
This is a local branch I use for cash exchange, and given COVID I have not had a need to go in. I received no notice of this account being dormant, or that fees were being taken out.
|
| 04/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
TFC bank closed my bank account without any written or verbal communication. The woukd briefly give me a quick reason why they did and they did give me the remaining portion that was in my account but they closed it no warning. Now i have a new account made by the same bank that I have no idea about. I didnt open the account I dont know the account number or who could even do this. I don't know who to turn to to get some help with this.
|
| 10/01/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not
|
| 01/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Chemical Bank did not send out invoices for XXXX.
While I paid on time, and they claim no interest charges would accrue, they are now soliciting me for further services with their company.
Today, Mr XXXX XXXX from the XXXX office ( NMLS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) requested I call him for further services.
I have requested them not to solicit from me in the past. ( Date unknown, given verbally ) This is unacceptable.
|
| 03/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.
|
| 11/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.
|
| 06/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.
|
| 04/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.
|
| 09/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016.
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.
|
| 12/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX
|
| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/2019 I sent a payoff amount of {$44000.00} online thru XXXX XXXX XXXX XXXX to Gateway One Lending and Finance.
Today, XX/XX/2019 when I try to log into my account, it says that my account # is not valid and that my email address is not valid.
Now I have no way to access my account information and I don't know if/when I will receive the title to my vehicle.
Thank you for your help.
XXXX XXXX XXXX XXXX
|
| 06/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.
|
| 12/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative
|
| 08/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again
|
| 06/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
XXXX XXXX currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.
|
| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
So i was trying to open an account with another bank and it wouldn't let me so I requested my XXXX report and it said my account was closed for cause so I called TCF and they said I had no remaining balance that needed to be paid or anything so I was confused why it said closed for cause when I was the one who called and closed my account myself and they couldn't tell me why it says closed for cause.
|
| 05/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had unauthorized use of my debit at an atm in XXXX XXXX and at same time they used the card to make purchases at XXXX XXXX. I always have the card with me. I never make purchases with it. Tcf is saying it is me according to the chip reader and are not willing to investigate further. I have filed a police report and tcf seems uninterested. They have done this a couple times a month since XX/XX/2020.
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I bank at TCF and during the pandemic I called them to see if I can freeze all the automatic payments so I dont overdraft my account. Well that didnt happen and now I have a negative balance. I called and no one was helpful. I should have a positive {$70.00} and my automatic payments should not happen until I contact them again. Now I have a negative almost {$900.00}! I would just close the account!
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX 0f XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
|
| 11/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.
|
| 07/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have an app called XXXX in which I can deduct money from the hours I have already worked and deposit it into my account. However the app has to see that I got paid via direct deposit. The bank lags or takes its sweet time to update and post the direct deposit information. Sometimes it can take as long by as 2 business days. Other banks like chase update their information much much quicker
|
| 11/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank.
|
| 11/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.
|
| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.
|
| 09/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My username and password has changed somehow so I can't make a payment. I try to reset my username and password but the website is asking for information I don't know or don't have in order to do it. So, I try to call them and I'm put on eternal hold and can't get through to an actual person. Meanwhile, I'm 2 months behind and have absolutely no way of paying my loan payments.
|
| 07/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged {$200.00} in overdraft fees illegally. I have attached copies of the banks check cashing policy where the first {$250.00} of each check is available the same business day as long as it is deposited before XXXX. I deposited this in the time outlined in the policy and am being charged for XXXX completed transactions based on this incorrect use of overdraft fees.
|
| 06/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment )
|
| 09/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
A charge from XXXX XXXX was incorrectly billed to my account in the amount of {$160.00}. Several other charges came in the same day and TCF has their computer program work so that it processes charges from largest to smallest. This results in TCF being able to charge the most overdraft fees. This resulted in subsequent days items also creating overdrafts. See attachment.
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a check written to me and they placed a hold on the check which they had every right to do. Then they charged me for the amount of the check. Making my account negative when it had over XXXX dollars in it. They said this was due to them thinking it would bounce. Again they had never made the funds available so they had no right to charge me for the check
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.
|
| 12/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX my wallet was stolen. I then saw a unauthorized transaction for {$940.00} dollars for a XXXX transaction. I saw the charge and immediately got in contact with the bank to dispute the charges. I called to find out whats going on a couple of weeks later and they closed the investigation and is refusing to get my money back. I am so upset with this bank
|
| 06/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I am a victim of Identity theft and I have sent numerous letters, copies of personal identification information and police reports in regards to someone stealing my identity and opening up a checking account with TCF Bank. TCF Bank has not removed or cleared my name from the fraudulent checking accounts that was opened at TCF bank by someone who stole my identity.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that the account is fraudulent. I'm a victim of identity theft.
|
| 12/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.
|
| 03/21/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
the bank took my funds due to 2 XXXX {$1400.00} XXXX deposits coming in on XX/XX/2021 that were third party deposits. they didnt only freeze the 2 deposits they said were against policy they took all of my money in the account, the XXXX that was in the account before the deposits were put in the account. That money didnt come from a third party deposit.
|
| 04/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX XXXX has fail to credit my account and continuesbto bill me.
|
| 11/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX requesting that an inquiry by their company was on my XXXX Credit File that I do not recall authorizing requesting their company to please remove the inquiry. XXXX XXXX XXXX XXXX XXXX replied back by mail but did not send me proof on a contract bearing my signature.
|
| 06/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I was erroneously charged XXXX by XXXX. I immediately notified TCF about the charge. I learned yesterday they denied my claim because I didn't dispute more charges. My account has never been overdrawn due to any fault of my own. To make things worse TCF wnt back and assessed me {$220.00} worth of fees after they negligently closed my dispute.
|
| 06/18/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance.
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I don't understand why you need everything in writing. I don't have time to go to the USPS and send you letters. Submit your answer here so I can see the result in between work. I understand that you have no confirmation and therefore you are not sending me anything. Your next answer without validation will be sent to the credit bureau.
|
| 09/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.
|
| 03/14/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
gateway one lending repossed my car back in 2016 however i was never sent anything in the mail on how to get my car back nor did i ever receive a letter of it being sold and the balance that was owed now on my credit report it states sold charge off however they are still reporting it as a collection every month on my report
|
| 08/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
TCF demands that you have an account with them now to cash a check drawn on their bank ( more specifically, a former Chemical Bank location using old Chemical Bank checks ).
If it's a check drawn on the bank, you shouldn't have to have an account with them or have them keep your funds for 24 hours before releasing to you.
|
| 03/22/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
The original Certificate of Deposits were purchased with XXXX XXXX XXXX, however TCF Bank is the current successor to XXXX XXXX. I have multiple CDs that TCF is stating they have no records or reports about and says, " Sorry, Maam, you're just out of luck! '' This is unacceptable to me and I would like to cash in my CDs.
|
| 09/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up
|
| 03/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have been charged overdraft fees by TCF Bank while my account was in the positive, and the bank refuses to reverse them. Furthermore, that overdraft fee has caused subsequent overdraft fees to happen which they also refuse to reverse. Of the over {$300.00} in bogus overdraft fees, they have only reversed {$100.00}.
|
| 07/30/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.
|
| 06/20/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
I got a chargeback from XXXX and they paid the money to the bank and the bank claims they never got the money.XXXX explained that they gave me the money to the bank and they did that when I involved federal agencies.XXXX has no reason to lie but TCF does not want to co-operate.
TCF needs to give me the money back
|
| 05/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
Lost my debit card and it was used for several small purchases from vending machines where I live none of which exceeded {$2.00}. I phoned them and they refused to reverse the charge saying they had reversed an overdraft charge before. I am old and living on Social Security and can not afford this XXXX XXXX XXXX
|
| 09/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting calls from Gateway One where they call my phone every day leaving voicemails asking for a person who i do not know. I 've told them they have the wrong number but they keep calling. They are violating the FDCPA by continually contacting me and I feel like the only way to stop it is to block them.
|
| 07/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Tcf bank is constantly charging over daft fee that I fill are in appropriate charge to gouge its customers. I never opt-in for them to pay any over-draft fee. I was told even if they did n't pay the vendor requesting payment I would be charged a return fee. They need to be investigated for deceptive practices.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.
|
| 11/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.
|
| 06/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid.
|
| 10/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My wife had used my phone to contact a loan with my information and withdrew the amount from my account and left..
First loan started take the payments from my account and when the payments wasnt going through, they called me and I told them I dont know anything that my wife did that out of my sight
|
| 03/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.
|
| 07/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I have a bank account with TCF bank in XXXX. When trying to use may attached visa card it is declined because they think my purchase has high fraud activity. I was trying to make reservation for a hotel and then trying to by video games from XXXX different days. I have PLENTY of money in the account
|
| 05/01/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We opened a HELOC with TCF Bank in XX/XX/XXXX, secured by our primary residence. We sold said primary residence in XX/XX/XXXX, at which point the HELOC balance was paid off in full as part of the closing process. However, we are still being charged annual fees and the account has not been closed.
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
The original debit card has expired and I have never received the new debit card. I have called twice to resolve the problem and I have gone to a branch that told me to call the customer service number. The monthly service charge seems to now be {$10.00} per month when before it was {$4.00}.
|
| 05/05/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
TCF BANK I have sent extra payments in XXXX totaling {$1600.00} but is not reflecting on the mortgage statement. XXXX / XXXX / XXXX {$550.00} XXXX / XXXX / XXXX {$550.00} XXXX / XXXX / XXXX {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have a checking and saving account with TCF bank and every 2 weeks they change my pin number they let me with no acces to my money i try to get answers for the bank and they just said make another pin Im so so so tired with tcf bank i want to make complaint for the bank i need my money
|
| 03/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.
|
| 06/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX
|
| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Loan was paid off on XX/XX/2018 There is an overage of {$210.00} owed to me.
XXXX XXXX XXXX refuses to release this overage back to me. They state they need time to review the overage and then they would issue a check to me. It has been 3 weeks and they have yet to issue a check.
|
| 10/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
OnXX/XX/XXXX I refinanced to loans from TCF to XXXX. XXXX sent two checks to TCF. TCF cashed both checks but only paid off one loan. I have contacted TCF multiple times but they have not paid off the loan. I have requested a time of resolution but can not get a straight answer.
|
| 06/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I ordered laser checks from a branch of the bank and I was charged a fee. The checks were not what I ordered and they were not picked up at the branch. The branch then reordered the checks and I was charged another fee - but the original check fee was never reversed.
|
| 01/17/2017 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.
|
| 02/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I relocated from XXXX to XXXX around XX/XX/2020. I telephoned, and wrote the bank on several occasions to close the account without success. I just received a letter from the bank stating the account is dormant and I will be charged a fee. That's not fair!
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
GATEWAYONE LENDING Account # XXXX Date Opened - XX/XX/2013 Balance - {$16000.00} Not my account. Shows open with several late payments. After continued requests to remove this error from my credit reports, I have gotten no response from GatewayOne Lending.
|
| 07/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
There are scammers out there depositing fake checks into peoples accounts. I think that all the banks should hold the check for at least 5 days before releasing the money especially for people opening new accounts those are the main ones getting targeted
|
| 11/16/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.
|
| 09/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.
|
| 02/20/2017 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.
|
| 04/07/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!!
attn XXXX XXXX
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
|
| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.
|
| 08/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Under the guise of system errors, TCF tried to charge me an overdraft fee that was completely their fault, and said themselves they wouldnt have corrected it if I hadnt brought it to their attention ; same situation with my sister.
|
| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake
|
| 09/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}
|
| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.
|
| 06/12/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
TCF NATIONAL BANK ( TCF BANK-ILLINOIS INSTALLMENT LOAN NO.XXXX THE FEDERAL AND STATE STATUES OF LIMITATIONS HAD EXPIRED. F.C.R.A. AND F.D.C.P.A.AND NOW MUST DISCHARGE DEBT VIA XXXX AND REMOVE ALL LIENS ON SAID PROPERTY.
|
| 11/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!
|
| 08/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
For the third and now fourth times, TCF has charged overdraft fees to an account with a positive balance. In total this round I was charged {$250.00} in overdraft fees, all while my account was a positive balance.
|
| 12/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report and noticed tcf bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020
|
| 12/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I called TCF bank on XX/XX/XXXX at XXXX MST and they refused to close my account because they felt my reason for closing it wasn't valid. That's not their responsibility and they need to close the account.
|
| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019 TCF agreed to stop collection as you can see in my cfpb account. XXXX XXXX filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
|
| 03/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I was issued a check from a class action lawsuit that was sent, and cashed by my son XXXX XXXX XXXX. The check was from my bank account, he's never had one. Can you cancel the check and reissue it to me?
|
| 03/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I paid my overdraft accout about a year ago amd it is still on my credit scores as unpaid.
I called before and they said they took care of it. I just need this to be on file and out of my credit scores.
|
| 02/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have contacted XXXX XXXX XXXX customer service and was inform they was not able to provide information about the unauthorized inquiry on XX/XX/2017 And did not have a application for credit on file.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING XXXX MUST NOW DO THE SAME.XXXX, XXXX XXXX XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.
|
| 03/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.
|
| 05/12/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD.
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.
|
| 11/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Its been over a year now that I have tried disputing this item off of my credit. No one can prove to me that this is mine, no legal documents have been sent to me and I need it removed.
|
| 06/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by XXXX XXXX XXXX on XX/XX/2016 which l have no idea about it at all.
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
|
| 06/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Someone stole my information out my car and I filed a police report for the fraud on my accounts and I set up fraud alerts to my social Security number
|
| 06/24/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/15 TCF Bank reordered my transactions XXXX and debit my account XXXX for the same transaction XXXX/XXXX/15 XXXX XXXX XXXX ( {$140.00} ).
|
| 06/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My account check card was stolen ... I alerted the bank and they charge me over {$300.00} in bank fees then closed my account.
|
| 08/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
TCF Bank has locked me out of my online banking. They give me a number to call to fix it, but I can't fix it with the number.
|
| 08/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
TCF National Bank cashed a check for someone who stole it. The check was written to my cousin for her wedding two years ago.
|
| 10/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a vehicle on my credit that i dont own and never purchased. Its in correctly on my credit report from gateway one.
|
| 04/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
the loan was paid off but XXXX. and XXXX show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XX/XX/XXXX were not late. Payments made in accordance with payment forbearance given by company.
|
| 10/15/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received a certified letter stating to cure a default on car loan which caused a repossession of the vehicle.
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
TCF bank says i cashed a check written out to me for XXXX dollars off of account that didnt have XXXX dollars in it.
|
| 10/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX XXXX was transferred from one of my accounts to another w/o my permission Want my funds transferred back
|
| 10/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
This account has been paid in full and should be removed from my account please verify and update my account
|
| 02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH TCF BANK, XXXX ETC..
|
| 02/13/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.
|
| 07/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I 'm trying to use an app on my XXXX called XXXX XXXX and I just need the approval from the bank.
|
| 07/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I want my tcf bank to allow XXXX XXXX to see how much money I have and for them to do partner up
|
| 10/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.
|
| 06/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My account is never up to date my bank info is never correct can you please fix this asap
|
| 07/26/2016 |
Yes |
|
|
|
Web |
|
|
Fraudulent card situation and bank issuing overdraft in a morally unsound manner.
|
| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Closed Account and TCF is claiming negative XXXX. Never had a write off.
|
| 05/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
they have increased the rate from 3.1 % to 5.1 % in the last 3 months
|
| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
i have seen hard inquiry for certain lenders with out my permission
|
| 06/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
TCF BAN K IS FAILING TO REPORT MY ACCOUNT TO XXXX CREDIT REPORT.
|
| 02/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My payment history is incorrect. Account has not been late.
|
| 07/28/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I would like my bank to commicated with XXXX XXXX
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
UNAUTHORIZED INQUIRY
|
| 09/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 09/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Phone |
|
|
|
| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/19/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/26/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
|
| 08/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Older American, Servicemember |
|
|
| 07/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American, Servicemember |
|
|
| 07/26/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Phone |
|
|
|
| 07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 07/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
Older American |
|
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American, Servicemember |
|
|
| 06/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/09/2021 |
No |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 06/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Older American |
|
|
| 05/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 05/13/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Postal mail |
|
|
|
| 05/07/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 04/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 04/22/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/15/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/30/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 03/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 03/16/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 03/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/09/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 02/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 02/25/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Servicemember |
|
|
| 02/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/12/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Postal mail |
Older American |
|
|
| 02/06/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/02/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 02/01/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/29/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 01/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/21/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/20/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/16/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/14/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 01/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
Older American |
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 01/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 01/04/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/31/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 12/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/24/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 12/22/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 12/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Fax |
|
|
|
| 12/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 12/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 12/15/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/14/2020 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American |
|
|
| 12/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 12/08/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 12/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 12/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/30/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 11/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/19/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 11/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 11/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 11/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/03/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 10/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/29/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 10/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/23/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 10/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/14/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 10/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/07/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Phone |
Older American |
|
|
| 10/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/19/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/18/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 09/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/09/2020 |
Yes |
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 09/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/09/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Phone |
Older American |
|
|
| 09/03/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 08/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/26/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/23/2020 |
No |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/21/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/19/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 08/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
|
| 07/31/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Phone |
|
|
|
| 07/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Servicemember |
|
|
| 07/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 07/07/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/06/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 07/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 06/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 06/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Phone |
|
|
|
| 06/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American, Servicemember |
|
|
| 06/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/16/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 06/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 06/03/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 05/06/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 05/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 05/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 04/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 04/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 04/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 04/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 04/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 04/22/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/03/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/02/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/02/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Received unwanted marketing or advertising
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 03/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 03/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 03/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/11/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/09/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 03/08/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 03/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 03/06/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 03/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 03/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
|
| 03/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Fax |
|
|
|
| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
Older American, Servicemember |
|
|
| 02/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 01/24/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 01/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/14/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 12/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Phone |
|
|
|
| 12/29/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/17/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 12/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
Older American |
|
|
| 12/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Phone |
|
|
|
| 11/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 11/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 11/21/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Referral |
|
|
|
| 11/19/2019 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Postal mail |
|
|
|
| 11/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 11/13/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
Older American |
|
|
| 11/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/08/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 11/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/07/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 10/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American, Servicemember |
|
|
| 10/24/2019 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 10/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 10/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 09/19/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 09/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 09/06/2019 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 09/05/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/21/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 08/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 07/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 07/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/15/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
Servicemember |
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 07/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 07/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
Servicemember |
|
|
| 07/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Fax |
Older American |
|
|
| 06/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 06/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Phone |
|
|
|
| 06/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Fax |
|
|
|
| 05/30/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 05/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 05/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/14/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/13/2019 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 05/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 05/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 05/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 04/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 04/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 04/23/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 04/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
Servicemember |
|
|
| 04/10/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/04/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Fax |
|
|
|
| 04/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 03/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
|
|
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American |
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Servicemember |
|
|
| 03/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 03/03/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/27/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 02/25/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 02/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 02/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 02/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 02/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 02/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 02/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/28/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 01/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 01/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/15/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
Older American |
|
|
| 01/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/11/2019 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 01/08/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/07/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Fax |
|
|
|
| 01/04/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Phone |
Servicemember |
|
|
| 01/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 01/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 12/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Postal mail |
|
|
|
| 12/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/27/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Postal mail |
|
|
|
| 12/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 12/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 12/14/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 12/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 11/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 11/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 11/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 11/08/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
Older American, Servicemember |
|
|
| 10/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/04/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 09/19/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 09/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 09/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/06/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Postal mail |
Older American |
|
|
| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 08/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 07/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/24/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
Servicemember |
|
|
| 07/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 06/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 06/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/06/2018 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 06/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/21/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Postal mail |
|
|
|
| 05/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 05/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 05/03/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 04/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Postal mail |
|
|
|
| 04/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 04/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 04/16/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 03/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
|
| 03/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 03/05/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 02/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/16/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Fax |
|
|
|
| 02/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 02/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/07/2018 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/25/2018 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 01/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Referral |
|
|
|
| 01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 01/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 01/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 12/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
|
| 11/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 11/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 11/17/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 10/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 10/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Postal mail |
|
|
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/11/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 10/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 10/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 10/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Postal mail |
|
|
|
| 09/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 09/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 09/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Referral |
|
|
|
| 09/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 09/06/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 08/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Phone |
|
|
|
| 08/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
|
| 08/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 08/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 08/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 08/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 08/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Referral |
|
|
|
| 08/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 07/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/10/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/08/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 06/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 06/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 06/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 06/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/08/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 06/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 06/05/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 05/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 05/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 05/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 05/17/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Fax |
|
|
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 05/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 04/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 04/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Postal mail |
|
|
|
| 04/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 04/19/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/11/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 03/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/14/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 02/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 02/27/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/21/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/21/2017 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/14/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 02/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/12/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Other financial service
- Check cashing
|
|
|
Postal mail |
|
|
|
| 02/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/27/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 01/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/24/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 01/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/11/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Fax |
|
|
|
| 01/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/05/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 12/30/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/23/2016 |
Yes |
|
|
|
Referral |
|
|
|
| 12/21/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
Servicemember |
|
|
| 12/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/04/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 11/28/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 11/28/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 11/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 11/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 11/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/09/2016 |
Yes |
|
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 10/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 10/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
|
|
|
| 10/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/04/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American, Servicemember |
|
|
| 09/06/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 09/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 09/01/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 08/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 08/11/2016 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 08/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/09/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
|
|
Referral |
|
|
|
| 08/04/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/03/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 08/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/01/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 07/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 07/26/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/23/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 07/22/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Referral |
|
|
|
| 07/19/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 07/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/13/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 07/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 07/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 06/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/23/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 06/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 06/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 06/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/09/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Referral |
|
|
|
| 06/02/2016 |
Yes |
|
- Settlement process and costs
|
|
Referral |
|
|
|
| 05/24/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 05/23/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
Servicemember |
|
|
| 05/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 05/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/05/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/19/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/07/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
Servicemember |
|
|
| 04/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 03/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 03/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/23/2016 |
Yes |
|
|
|
Postal mail |
|
|
|
| 03/22/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 03/17/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Postal mail |
Older American |
|
|
| 03/10/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 03/08/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/04/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
|
| 02/25/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 02/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 02/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Referral |
|
|
|
| 02/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/11/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/09/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 02/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 02/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/02/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 01/29/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 01/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 01/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
Older American |
|
|
| 01/14/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/12/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Phone |
Older American, Servicemember |
|
|
| 01/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/11/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 01/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 01/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 01/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 01/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 01/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 01/01/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 12/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 12/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 12/28/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/22/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 12/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/27/2015 |
Yes |
|
|
|
Postal mail |
|
|
|
| 11/23/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Servicemember |
|
|
| 11/21/2015 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/19/2015 |
No |
- Bank account or service
- Checking account
|
|
|
Phone |
Servicemember |
|
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 11/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 10/27/2015 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Phone |
Older American |
|
|
| 10/24/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 10/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 10/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/01/2015 |
Yes |
- Other financial service
- Traveler’s/Cashier’s checks
|
- Customer service/Customer relations
|
|
Referral |
|
|
|
| 09/30/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 09/28/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 09/23/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 09/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American, Servicemember |
|
|
| 09/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 09/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 09/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 08/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 08/26/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/26/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/24/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/14/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 08/12/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 08/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 08/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 08/07/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 07/30/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 07/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/27/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/27/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/23/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Referral |
|
|
|
| 07/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 07/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 07/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 07/09/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 07/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 07/02/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/01/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 06/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/28/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 06/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
|
|
|
| 06/25/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 06/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 06/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/12/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 06/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 06/08/2015 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/27/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/27/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 05/21/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 05/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/13/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/12/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 05/12/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 05/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 05/06/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 05/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 05/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 05/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
Older American |
|
|
| 04/16/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 04/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 04/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 04/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/04/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/31/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/24/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/24/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
Servicemember |
|
|
| 03/24/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/23/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 03/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 03/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
|
| 03/08/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 03/07/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
Servicemember |
|
|
| 03/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 03/04/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 03/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American |
|
|
| 03/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 03/01/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 02/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/25/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/23/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
|
| 02/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/20/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 02/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 02/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/13/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 02/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 02/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 02/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American, Servicemember |
|
|
| 02/04/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 01/28/2015 |
Yes |
|
|
|
Referral |
|
|
|
| 01/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American, Servicemember |
|
|
| 01/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/19/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
Servicemember |
|
|
| 01/10/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
Older American |
|
|
| 01/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 01/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/28/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 12/23/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/18/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 12/10/2014 |
Yes |
- Mortgage
- Reverse mortgage
|
- Loan modification,collection,foreclosure
|
|
Phone |
|
|
|
| 12/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/10/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/08/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 12/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/04/2014 |
Yes |
- Bank account or service
- Savings account
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 12/03/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 11/26/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 11/24/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 11/24/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/21/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 11/16/2014 |
No |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 11/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 11/03/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
|
| 10/31/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 10/17/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/16/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 10/13/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 10/10/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
|
|
|
| 10/08/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/06/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/03/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 10/01/2014 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 10/01/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 10/01/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/29/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/29/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 09/28/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 09/25/2014 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 09/23/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 09/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/17/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/16/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/11/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Prepaid card
- Mobile wallet
|
- Unauthorized transactions/trans. issues
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 09/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
Older American |
|
|
| 08/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 08/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/21/2014 |
Yes |
|
|
|
Referral |
|
|
|
| 08/20/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Referral |
|
|
|
| 08/20/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Fax |
|
|
|
| 08/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/20/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/18/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Phone |
Older American |
|
|
| 08/12/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/11/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 08/11/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/07/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 08/07/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/07/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Postal mail |
|
|
|
| 08/06/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 08/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 08/05/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Phone |
|
|
|
| 08/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 08/01/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 07/31/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/21/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 07/16/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 07/12/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Servicemember |
|
|
| 07/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 07/08/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/06/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/06/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 07/03/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
Older American |
|
|
| 06/30/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 06/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 06/27/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 06/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 06/25/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 06/17/2014 |
Yes |
- Bank account or service
- Savings account
|
|
|
Referral |
|
|
|
| 06/11/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 06/04/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/30/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Referral |
|
|
|
| 05/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
Older American |
|
|
| 05/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/21/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Phone |
|
|
|
| 05/17/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 05/13/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 05/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 05/09/2014 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Phone |
Older American |
|
|
| 05/07/2014 |
Yes |
- Bank account or service
- Savings account
|
|
|
Referral |
|
|
|
| 05/06/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 05/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/01/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 04/30/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/28/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 04/28/2014 |
Yes |
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 04/22/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 04/22/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 04/22/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/18/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/16/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Fax |
Older American |
|
|
| 04/16/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/14/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
Older American |
|
|
| 04/14/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 04/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
|
|
|
Web |
|
|
|
| 04/08/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/07/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/03/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 04/01/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/28/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/28/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
|
| 03/28/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
|
|
|
| 03/27/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/27/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/25/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Bank account or service
- Cashing a check without an account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 03/07/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 03/06/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 03/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 02/27/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/16/2014 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/29/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/28/2014 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Referral |
|
|
|
| 01/24/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 01/23/2014 |
Yes |
- Money transfers
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 01/15/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Older American, Servicemember |
|
|
| 01/14/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 01/13/2014 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/09/2014 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 01/06/2014 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 01/02/2014 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
|
|
|
| 12/16/2013 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
|
| 12/14/2013 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 12/13/2013 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
|
| 12/13/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 12/12/2013 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 12/10/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 11/14/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
Older American |
|
|
| 11/13/2013 |
Yes |
- Bank account or service
- Savings account
|
|
|
Phone |
|
|
|
| 11/06/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/05/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Postal mail |
|
|
|
| 11/01/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 10/31/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
Older American |
|
|
| 10/30/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Postal mail |
|
|
|
| 10/21/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Phone |
Servicemember |
|
|
| 10/17/2013 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 10/15/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/15/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/14/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 10/13/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 10/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/11/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/08/2013 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 10/07/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/03/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 10/03/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 10/01/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 09/30/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 09/25/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
|
| 09/24/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/24/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/24/2013 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 09/24/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
|
| 09/23/2013 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 09/23/2013 |
Yes |
- Student loan
- Non-federal student loan
|
|
|
Postal mail |
|
|
|