While reviewing my TCF Bank account, I had noticed a new fee that was showing up on my transactions list entitled, "Monthly Maintenance Fee". When I opened an account with TCF Bank, I was notified that it was their "Totally Free Checking Account", due to me being a student at NIU (and if I were to have any convenience with banking on campus, i was notified that the only ATMs and the banks on campus were TCF).
The first "Service Charge" took place on March 17 - SEVEN months after I had opened my account. I hadn't checked my online banking as much as I probably should have in order to notice that this was going on. The only time I noticed this was when I went to review my account after making a purchase at the local Wal-Mart in Sycamore, IL on March 18. I remember specifically because I had used some of the money that was recently deposited into my account earlier that week for medication because I was ill - and I had wanted to see how much money I had left over after making a second purchase that week.
After seeing this service fee was implemented on my account, and not noticing anything like this previously on my account, I called the customer service number and asked them what was going on. To paraphrase, the lady I had spoken to notified me that this was an irreversible fee, and it was because my account had changed according to them, that month - she told me to look in my messages to see that my account type was changed. I followed her instructions, and I did not receive ANY notifications of any sort - mail, email, etc.- that my account type had been changed. The lady also stated that, because I did not have $500 in my account, that is why I was being charged this (I AM A COLLEGE STUDENT - which equals to NO MONEY). This is my first complaint.
My second complaint complies of simply the dates the "Service Fees" were made. The first one dated - March 17, the second one dated - April 16 (a day before the first charge was made), and the third dated - May 18 (two days after the month time period would be sort of remotely acceptable (if the charge was acceptable in the first place). The timeliness of this bank is completely absurd and unpredictable. According to their logic, I am just supposed to "know" when they decided to take the money out of my account, and not go over, even though I barely had any money in the first place.
Sortly after this, I had refused to use my TCF account for anything else - and I am assuming the bank took the hint since they closed my account, and sent the money that they caused me in overdraft fees due to their own untimely will. I owe, I believe $90.00 in total due to just their fees. Thank you TCF Bank for doing nothing, but causing me stress and anxiety.
0 comments