This bank offers more FREE cash incentives than otherbanks do. They approach you in Jewel grocery stores. Their offeringsborder on harassment. They don't remember faces. They repeatedlyapproach you about the same thing. It's like they won't take "no"for an answer!
I was out of work with no source of income. I wasready to loose my Indiana home. I had actually left my home (couldn'tpay the winter utilities) and went home to mom's home in Chicagowhere I paid no rent. I was doing her grocery shopping. I had $25 ofmy own money to my name and several bills to deal with. This was atthe Jewel at 79th and Cicero, Chicago, IL.
The bank representative came saying "you don'tneed much to open an account. You'll get $50 FREE cash just foropening an account. It yours to keep. It will only take a few minutesand you'll be on your way. How can you lose?"
I finally conceded and met with a bank sign-up agent. I produced my Indiana drivers license with zip code 47374 (ruralIndiana). I had asked a girl for a listing of their bank locations. Itold her I was only temporarily staying at mom's Chicago home howeverI lived in Indiana. I wanted to know what was available by my Indianahome which I had hopes of getting back to. She said she'd get back tothat when she finished her computer entries. She never produced thatlist! I forgot about it. Much later I found out they have no banksanywhere remotely near zip code 47374! I asked that my checks not bemailed out but rather that I pick them up at the store. She said thatwould be no problem at all.
Two to three weeks later I went back to the store topick up my checks. They were not there. They sent them to my Indianahome address. No one was there. The home was vacant. They agreed itwas their error and they would have another box of checks sent to thestore for pickup. I would not be charged for them. They would alsowaive the delivery fee. I thought 'OK, I've been inconveniencedhowever at least your not charging me for your error'. WRONG!
Not only was my account charged for the 2nd box ofchecks but I was also charged for the shipping charges. I was unawareas I hadn't received a bank statement as yet nor had I gone online. Iwrote a check off of my initial $25 deposit. Then I gave a creditorphone permission to debit my account $10 (against their $50). Thatdebit did not go through due to the account being hit with fees forthe 2nd box of checks, shipping and monthly maintenance fees. Thenthey hit me up for overdraft and more fees. Meanwhile my home wasbeing listed as a short sale so my attention was consumed by that. Mybank statements were going to rural Indiana (250 miles away). Theonly thing I knew was this: my $10 debit did not go through, I waslosing my home, not getting my bank statements, I'd been lied to andtrapped. Their sign up rep had listened to nothing and just put meinto their system.
Why are they so anxious to give away money? Becausethey know they have entrapment going on! In today's mail came a flyerfrom TCF Bank. *Redeem This Coupon And Get $100 Free Cash.*
Prospective Customers Please Beware The Fine Print! Note: TCF standard account fees will apply. These includenon-sufficient funds, overdrafts, monthly maintenance AND OTHERFEES'. They are fee focused but NEVER customer focused. Don't dobusiness with this bank. I was warned in the distant past by someone. I wish their words had echoed with me that day.
Since then I have gone to one of their branches. Theysaid they could not help. I have called the collection agency. Theysaid to call the bank. The bank said to return to the Jewel branchwhere it all began. The Collection Agency will not reduce the almost$100 debt caused by this horrendous offer of a FREE $50. The bankagreed that my closed account confirms this reported charge historyhowever they cannot do or offer anything. I have no recourse but topay this additional $100 for their $50 that went to fees.
PROSPECT: You are not a customer, YET JUST AN ACCOUNT TO RACK UPFEES!!! Don't get sucked in! There is no 'free' with tcf bank!!! There is no 'Free' just DECEPTION.
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