Complaint Review: TCF Bank

I opened my checking account with TCF at the beginning of 2004. All I've had since then is one very large, very expensive headache.

I was not told about holds on checks and deposited my Federal Income Tax check in my account.This check was a substantial amount. I proceeded to write out my mortgage payment and other bills that needed to be paid. That's where my headache began.

They bounced each and every check I had written for the bills, of course they added their NSF fee to that.
I called them several times and tried getting answers---each time I was told there was a hold on the check. No one seemed to want to work the problem out. It seemed very "scripted" when I did talk to one of their employees.

I have had the same check clear for two separate amounts, I have been charged a "teleservice" fee (which by the way has not been explained to me yet). I have also been charged numerous "foreign" ATM charges.
My account as of today is $300 OD. I have not wrote a check in over two weeks because it was two weeks, one paycheck, and $300 ago that my account was mysteriously over $600 OD.

Is there anyway to get answers or resolutions from this bank?? I cannot even close this account until it goes to a positive balance. Which will probably be never at this rate!!

Angela
Morris, Illinois
U.S.A.