TCF NATIONAL BANK

2015-04-24

Long Beach, CA

Problems when you are unable to pay

Consumer Loan: Personal line of credit

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

Disputed: No Timely Response

2015-04-23

Ewa Beach, HI

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: Yes Timely Response

2015-04-22

WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-04-21

Randolph, MN

Making/receiving payments, sending money

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-21

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-20

Elmwood Park, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: 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.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-18

Coalinga, CA

Improper contact or sharing of info

Debt collection: Auto

Talked to a third party about my debt
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-04-16

Chicago, IL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-13

Denver, CO

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-10

Arcadia, IL

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-10

Dalton, MN

Problems caused by my funds being low

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-07

Wattenburg, CO

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

Disputed: Yes Timely Response

2015-04-06

Matteson, IL

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-04-04

Minneapolis, MN

Credit decision / Underwriting

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-04-03

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-03-31

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-03-31

Lakeville, MN

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-03-31

MA

Managing the loan or lease

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2015-03-31

Huntington Park, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-03-29

Main Office, VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: 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.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-03-24

Marietta, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-03-24

Ashburn Park, IL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-03-24

Harsens Is, 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 explanation

Disputed: No Timely Response

2015-03-23

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: 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.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2015-03-23

Dayton, MN

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response