TCF NATIONAL BANK

2017-02-09

Dixon, IL

Fraud or scam

Other financial service: Check cashing

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-09

Cheyenne Wells, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: 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!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-02

Ft Wayne, IN

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-02

Falcon Heights, MN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2017-02-02

Rockford, IL

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-01-31

Wonder Lake, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-27

Prior Lake, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-27

Saint Paul, MN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2017-01-25

Houston, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2017-01-24

Highland Park, IL

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-22

IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-17

Lakota, ND

Taking/threatening an illegal action

Debt collection: Auto

Seized/Attempted to seize property
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-14

VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: Yes Timely Response

2017-01-13

Lincoln Park, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-01-12

IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-11

N Hollywood, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-11

Cleveland, OH

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-11

Aloma, FL

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-10

Allen, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: No Timely Response

2017-01-05

Vineland, CO

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Saint Paul, MN

Deposits and withdrawals

Bank account or service: Checking account

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Ft Wayne, IN

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-05

Ft Wayne, IN

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-02

Bellaire, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-30

Silver Spring, MD

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response