TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Problems caused by my funds being low Indiana

I had a balance of - in my TCF checking account ending in - as of -/-/2015. I made - transactions on -. The last of these was dinner at - - - for - at - in the evening. When I got home, I checked my balance online and saw that all the - transactions were pending, but I had miscalculated and the last - would overdraw the account by $18.00. Wanting to avoid an overdraft fee, I called the bank to attempt to transfer funds into the account, this service was not available, I attempted to find a way to transfer funds into the account online from another bank account, this was not available, finally I drove to the TCF ATM machine that stands in the place they used to have our branch, and found that the TCF ATM does not take deposits. The nearest branch is - miles from my home, by that point it is - at night. The next morning on - I drove to the bank branch - miles away, and gave the teller $20.00 to deposit into the account and asked the teller to close the account. She stated that she was unable


was not there and would not be returning that day. Today ( - ) I received a letter in the mail from TCF Bank stating that my account now overdrawn in the amount of $250.00 as of -/-/15. I have not used the account since and after speaking to the customer service department, I have learned from them that there have been no transactions since those - on -/-/15. They explained to me that each - of those transactions has incurred an overdraft fee. They explained that at - each day, the deposits made before - are added to the account, then any transactions that are posted ( collected by the merchant ) before - are subtracted from the balance and then any transactions that are pending which would be overdrafts are assessed the fee. When I asked them to explain to me specifically how each of my transactions incurred a fee, the customer service team lead named - said " Ok, let me give you an example. If on Monday morning you had $100.00 in your account and you make - transactions of $50.00 each and they are still pending on tuesday morning you make a transaction of $100.00 your account will have a balance of - $100.00. '' When I asked - how many overdraft fees would be assessed on the account, he answered, " -. '' This is not how I interpret the policy of the bank. Perhaps I am not interpreting it correctly, however, even if it is the policy does allow TCF to charge me - overdraft fees between business days ( after - and before - the next day ) on an $18.00 overdraft, that spells fraud. Because of a previous complaint I made to the bank, they had explained to me that when a transaction is marked " pending '' it means that there was a request for authorization to withdraw funds. The explained to me that the transaction is n't marked " posted '' until the merchant makes request for payment, which sometimes takes days. Additionally, TCF customer service was unable to describe for me how exactly each transaction incurred an overdraft fee. Furthermore, my call was disconnected twice conveniently when it seemed they could not explain something important, like how they get away with charging me a fee when they have not even received a demand for payment from the merchant and why two weeks ago they held my transactions in a pending state for days without charging a fee and only charged a fee after they conveniently posted several transactions on the same day as another transaction came through that would cause all transactions to overdraw, but not those same type transactions incur a fee within hours of authorization.