Well to start off TCF opened my bank account when I was 17 and on a traffic ticket. All I wanted to do was cash my pay check out of my friends account and that is the only way they told me I could cash it if i opened up the account, even though it was illegal because of my age, and not to mention I did not have any picture id only a crumpled up traffic ticket. I have had plenty of over draf fees charged to my account, even though I had money in the account at the times. I once had direct deposit at one time and every once in a while the money would never show up in my account I would have to call any complain, get dicked around, and finally get my money weeks later then when I should have had it. So when I finally got fed up with TCF I closed my account. But according to them I never closed the account, and I owe them thousands of dollars for over draft fees on account I no longer have. I would also get like 2 debit cards in the mail a month from them, when I never requested them, they would also charge me for me. So 2 years later since I have origally had my account with TCF at the age of 17, I cannot get a bank account because of some hold TCF put on my credit report because I owe them money on a closed account. However when ever I call and try to figure out what caused all of these over draft fees on the non existing account I get put on hold for hours, and no one can answer my questions. TCF by far is the worse bank they will screw you over. I don't even want to give them a one they should get a zero but it makes you give them at least a one.