Home » Report Abuse

Report Abuse

Flag a comment for removal

Please use the form below to report a comment to us. We do our best to monitor user comments and we have zero tolerance for profanity, personal attacks and other malicious posts.

Thank you for taking the time to bring this comment to our attention.

Report Abuse

Original Comment FURIOUS CUSTOMER MADE HAPPY (STILL Ticked by it all, but want to credit an OUTSTANDING Customer Service rep, Yilda, for truly helping). I have been with TCF Bank for over a decade and recently had an incident where I was charged **HUNDREDS** of dollars in overdraft fees when I had money in the bank. I normally don't work with checks anymore, but deposited one around 2p. I had some other money in that account when I deposited it. I asked the teller how long it would take to clear and was told "The money is available immediately." I used my bank card repeatedly for 5 DAYS without a problem, recording everything in my bank book, when suddenly it was declined. That's when I learned I was hundreds in the negative from overdraft fees -- but there should've been several hundred dollars in the account! I spoke with two different Customer "Service" reps. They were rude and nasty to me and refused to help sort this out. The second one, whose name was Heather, had the audacity to tell me "IT WAS MY RESPONSIBILITY TO CHECK MY ACCOUNT ONLINE EVERY DAY -- recording on paper in my check book isn't good enough anymore 'in this day in age' -- and since I wasn't responsible enough to properly manage my finances, there was nothing she or the bank would do to help me." She said regardless of what the teller told me, it was "my fault" for not checking my account daily and if I had been 'responsible enough' to do so, I wouldn't be in this mess. When I questioned WHY the bank would allow me to use my bank card for nearly a week and go *HUNDREDS* of dollars negative with overdraft fees before declining it ... they should've declined it right away to alert me something was amiss ... I was told it was because my account was "In Good Standing" and so the bank would allow me to 'overdraft' until it reached a degree they thought I couldn't/wouldn't pay the fees -- and all the fees were MY responsibility. ARE YOU KIDDING ME? I drive a lot for work and was getting numerous overdraft fees each day when I stopped at a gas station for coffee and a doughnut and later bought lunch and/or stopped for a water. Many of my purchases were under $5 -- with $37 tacked on for 'overdraft' which unknowingly put me deeper and deeper in the negative. Both Heather and the other 'Service' person refused to allow me to speak to a Supervisor or someone - anyone - over them or give me info to contact Corporate directly. I was informed by these 'Service' reps that "This is not a Corporate Concern" and would not be given any contact info. I was told that the only way I could possibly get this resolved is that I needed to go back to the same bank where I deposited the check, speak to that bank manager in front of the teller who told me the funds were available and it would be up to the manager's discretion. THAT PARTICULAR BANK IS OVER AN HOUR AWAY FROM ME! That did not matter to your Customer "Service" people. (I want to note that I DID go to that particular bank to speak with the manager after the fact so this doesn't happen to anyone else -- and two different tellers at that bank REFUSED to allow me to speak to the manager directly. I was told I could only "tell them" what the issue was and they would pass it on to management. What in the world is THAT??? Short of becoming some crazy, screaming, melt-down lady who'd be hauled off by security anyway -- I was completely stonewalled from speaking to management at this bank. It is located on Miller Park Way in Milwaukee, WI. I suggest you look into the poor service and "covering" for each other they've got going on there) I was seeing red! After being with this bank for so many years, I was pulling out my money and direct deposits and going elsewhere. But not before I spoke directly to someone at Corporate. This is ridiculous and I shouldn't be chastised by a young adult for being "irresponsible" when it was the bank that made the mistake. And, as a business-minded person, this is something Corporate SHOULD want to know about because if it is a repeated problem, they need to address it. It seems to be that some of your young people on the 'front line' of your business are not only stonewalling customers and preventing them from speaking to management or higher ... they are effectively shielding those higher up from knowing what a poor job they and their co-workers are doing by not only not helping, but also ridiculing older customers for not being "in this day in age." I'm sorry, but I'm not stupid ... I simply don't have TIME to check my account daily -- especially when I know how much should be in there. I wanted a direct line to someone in Corporate to express this situation, couldn't find one and called the 800 number back to get a Corporate number. On this third call I was greeted with a very happy and cheerful voice, but I was still LIVID and said: "I know my anger has nothing to do with you directly, but before I even deal with you ... What is your name? I've had it! I'm taking names!" She was very sweet, very understanding and provided 110% PERFECT Customer Service. It took about 45 minutes to get everything straightened out, but she was so level-headed and professional and yet very nice at the same time -- and sometimes she'd have to put me on hold for a bit, but that was okay. She'd say: "Let me go talk to a Supervisor"... I'd be on hold for a bit, then she'd come back and say: "Do you mind if I put you on hold again? I'm really sorry about it, but the Supervisors can't really tell me anything. I need to go a little higher up, so your hold time might be a little longer." I was okay with all the time on hold because she was Honestly trying to help me resolve this. What I had going on was REALLY a mess. I had originally given the check to the teller right before 2p -- so technically the 'funds were immediately available' -- but the transaction didn't process into the system until AFTER 2p, which put it into the next day and while technically it was a Corporate/Payroll check -- it had been written out on a personal account with the company's name on the top, so there were different 'standards' than Corporate checks as to when funds are available. In all of this, I want to say that Yilda R from the Chicago Call Center really took the time to help me sort this out and gave 200% Customer Service. She was very nice, polite and professional and empathized with my frustration (VERY Important with Customer Service). Her efforts of going above and beyond need to be recognized and applauded by the entire TCF Bank organization. I was ready to close my account and sue you for this debacle. Not only the needless overdraft fees, but I ended up stranded with only my TCF Bank card and couldn't access any money! It was all 'gone'! Then having to deal with Rude, Condescending b-tches to boot... If I had not come across Yilda R and her caring Professionalism -- I would not still be a TCF customer today. I GUARANTEE you have kept other customers because of her as well. I certainly hope that she is acknowledged at a Corporate level for her level of service. All employees need to emulate her Professionalism. She is Outstanding.

Feedback

Your Name

Your Email

Verification

Headquarters Map

Check out this cool map plotting the corporate office headquarters for major companies.