Business Profile

Bank

TCM Bank, N.A.

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Complaints

This profile includes complaints for TCM Bank, N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

22 total complaints in the last 3 years.
11 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/25/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been trying to close out a credit card account with ********************** for 20 years. I have had numerous conversations with them over the years and they always promise to close out the account but don't. Now they say I owe them $112; for what I don't know. I have not used this card for 20 years. Should I file a fraud complaint?
Business Response
Date: 03/27/2025
Please see attached response.
Initial Complaint
Date:03/12/2025
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have a **** credit card from this bank; It expired 2-28-25 Since I am deaf, I had my local bank employee to call in for me, using my cell phone ************. I have tried to purchase personal items and numerous times, the transaction will be denied. I would like the bank's records to show it is "active" card.
Business Response
Date: 03/13/2025
Please see attached
Customer Answer
Date: 03/17/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** ****
Initial Complaint
Date:02/26/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 2-13-25 I called to close my account ending in 0783 I have with this bank at that time I owed $67.04 and was given the option to provide a checking account and pay that amount I told the representative that account started with a 0 and then there was a 10 digit account # he told me the 0 didn't matter and only needs the 10 digits at which time I was put on hold, during that hold i logged in to mobile app for said checking account and in fact the zero was part of the account number, when he got back to me from hold I told him that yes the zero matters and needs to be put in, he said it was roo late, but if payment doesn't go through I will be mailed a statement and there would be no extra fees, well a fee days later I called the 800 # and I was charged a $25 fee making my balance $92.04, I attempted to call and get this resolved, spending well over an hour on this and was told I needed to talk to some outside services and was just given the runaround no one seems to be able to help and get this fee reversed which is just ridiculous, every bank will in fact reverse one fee oer year, but seems like customer service has just gone down the toilet with these people which is the main reason I closed the account on the first place
Business Response
Date: 03/06/2025
Please see attached response.
Customer Answer
Date: 03/07/2025

Complaint: 22993192

I am rejecting this response because: Balance was completely paid off and at zero as of the other day this account is closed and now all of a sudden when I call the 800 phone number to check balance there is mysterious charges for $49 what the heck is going on with this bank this is absolutely ridiculous. Its like they just keep wanting me to give them money and there's absolutely no reason for them to keep making up phony bogus charges what is this $49 charge

Sincerely,

****** Fudulov
Business Response
Date: 03/10/2025
Please see attached
Initial Complaint
Date:02/06/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for a credit card, whereas, TCM Bank approved.TCM then mailed a credit card my residence BEFORE terms where disclosed.I disagreed with the terms and the fact that they deceptively withheld disclosures until after the account was opened.I emailed TCM on 1-22-25 to close account and demanded that this matter not reflect on any credit bureau. *** called me and agreed to close account, not report to credit bureau and agreed that I destroy the credit cards that I did not activate or use.*** subsequently reported the new account to ******** despite my request and posted as a new account on *********** impacts my credit rating in a derogatory manner that I specifically asked them not to do and they agreed.Ive reached out TCM twice with no response. I have records and or recordings of interactions with ***.
Business Response
Date: 02/11/2025
Please see attached
Business Response
Date: 02/12/2025
Please see attached.
Initial Complaint
Date:02/04/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
TCM Bank refuses to deliver monthly credit card statements to me, unless I agree to pay a fee to receive those statements and learn my payment due balance.Under federal law, credit card issuers must adopt reasonable procedures designed to ensure that they mail or electronically deliver statements at least 21 days before the payment due date.*** has claimed that the fee can be avoided by opting in for "paperless statements". However, no statements are delivered to the customer with that option. Instead, the customer is required to go retrieve the statements himself.The *only* available option to have statements delivered is via US mail. And TCM Bank refuses to do so unless the customer agrees to pay to receive statements and find out how much is owed.
Business Response
Date: 02/06/2025
Please see attached response.
Customer Answer
Date: 02/15/2025

Complaint: 22893603

I am rejecting this response because:
The response by the business fails to demonstrate that it complies with ********************** the business only states vaguely that it appears that it is furnishing the required statements.
The fact is Regulation Z does not merely require furnishing of periodic statementsit requires creditors to actually mail or deliver the statements: The creditor shall MAIL or DELIVER a periodic statement as required by ****** for each billing cycle at the end of which an account has a debit or credit balance of more than $1 or on which a finance charge has been imposed. 12 CFR 1026.5(b)(2)(i) (Emphasis added). Again, the business fails to demonstrate in its response that it complies with this legal requirement. Merely publishing statements on an internet website where select customers who have elected to maintain an online account might be able to attempt searching for them themselves, clearly does not constitute mailing or delivering.
It should additionally be noted that Regulation Z is part of the Truth In Lending Acta consumer protection statute. For decades, courts of law have consistently held that such statutes and regulations must be construed broadly in favor of consumers.
Once again, I ask that the business comply with federal law by unconditionally delivering periodic statements to me. I am willing to accept delivery of statements via e-mail as an alternative to postal mail.

Sincerely,

****** *****
Business Response
Date: 02/24/2025
Please see attached.
Customer Answer
Date: 03/02/2025

Complaint: 22893603

I am rejecting this response because: As the subject of this complaint is the business legal obligation to mail or deliver statements, and the business confirms in its response that the only alternative to conditional delivery for a fee is for the customer himself to attempt searching for the statements on a website, such an alternative is plainly inconsistent with the clear and unambiguous language of Regulation Z which specifically requires creditors to MAIL or DELIVER statements. Accordingly, I am left to conclude that the business does not intend to comply with this regulation.
Not only does the business reject its legal obligation to comply with Regulation Z, they also have doubled down on that conduct by now imposing a finance charge on top of the illegal fee. In the latest periodic statement,the business has added an interest charge purchase. They have done so in spite of this BBB correspondence bringing the matter to their attention, despite all prior purchases having been paid in full, and in spite of my express rejection of the fee, which the business started imposing without prior notice. In fact,I have completely discontinued my use of the credit card since learning about the fee when it first appeared on the January statement.
Such outrageous conduct can only be reasonably described as abusive. I urge the BBB to ask the business to immediately reverse the illegal fees and associated finance charge on my account and cease the above-mentioned unlawful practices.

Sincerely,

****** *****
Initial Complaint
Date:01/17/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Some time on Monday, 1/13/25, I went to look on the website for my TCM Bank credit card, to check on my points balance and to look at options for getting airline tickets for a trip I was planning. I had been saving points for this purpose and thought I was up above *******. Last I looked there had been a link at the top of my account page to the website that handles points and rewards , but this link was no longer there. When I went directly to the website, I was unable to log in with the username and password I remembered. I tried the forgot password option with my email address, but did not receive a reply. The next day, 1/14/25, I called CRewards to try to get to my account and was informed that my account had been closed and that I would need to sign up for a new one. I asked about what happened to my points but was told I would need to speak to *** about that. I looked up my TCM card statements and saw that in November 2024 my statement listed ******* points for CRewards, but on my December 2024 statement, none were shown. I called *** to inquire. The first ****** I spoke to said I would need to talk to CRewards, when I told them that they had sent me here, they said they would but me on hold to look into it and then hung up on me. Calling back, I finally got to someone that said that they had cancelled my rewards program and switched me to a cash back program, and that they had notified me in July 2024 about this and that I was supposed to respond to preserve the account. I received no such notification and certainly would not have agreed to this. As I mentioned, I was saving these points for a trip. The ****** I spoke to said she would put in a ticket to inquire whether my points could be restored. The next morning, 1/15/14, I received a call to voicemail that my request had been denied.I would like to request that my points be restored, or that I be payed for their reasonable value.
Business Response
Date: 01/24/2025
Please see attached response.
Customer Answer
Date: 02/03/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *****
Initial Complaint
Date:11/04/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
They declined my credit card for my Maspeth federal secured
Business Response
Date: 11/12/2024
Please see attached response.
Initial Complaint
Date:08/26/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have contacted TCM BANK N.A. twice now and letting it be known that theyre furnishing an unauthorized inquiry on my Experian credit report. I have attached a copy of the first letter I have sent out to them, their first response back, and my second letter sent. I had sent my letters via certified mail, the second letters tracking number is ********************** I had to send them a second message because i find their first response to be not sufficient enough to leave the status as valid for the unauthorized inquiry im disputing. I requested their method of validation and Im requesting them to send me the full procedures of their reinvestigation. I also cited 15 U.S.C 6802(b)(1) and let it be known they never received any signed written or verbal agreement from me to furnish my non-public information to Experian.
Business Response
Date: 08/29/2024
Please see attached response.
Customer Answer
Date: 08/29/2024

Complaint: 22188017

I am rejecting this response because: The second letter i sent them was via certified mail and the tracking number is 9589071052702013884636 They are claiming they have only received one of my messages when the second letter i had sent to them was delivered on 8/27/24 to P.O. ********************************. This was an address that they listed in their first response letter to me.
i also attached a file of the second letter i sent them in this BBB complaint so they may also refer to that
Business Response
Date: 08/30/2024
Please see all attachments.
Customer Answer
Date: 09/05/2024

Complaint: 22188017

I am rejecting this response because:
The files attached in TCMs latest response does not prove anything. I have asked them to produce any evidence where i had gave them any VERBAL or WRITTEN SIGNED consent to share my private information with other companies but it seems they still cannot. The files TCM attached in their last response are irrelevant and the only statements remotely related are when it says, upon credit card application they MAY do a credit check. This still does not even constitute them to be lawfully able to furnish a hard inquiry on my credit report especially when Im disputing it and saying it is unauthorized. I already informed TCM in my second letter that the disclosures that they needed to give me in order to furnish data on me are pursuant to 15 USC 6802(b)(1) you mustve given me all 3 first before furnishing data so see 15 USC 6802(b)(1)(A), 15 USC 6802(b)(1)(B), and 15 USC 6802(b)(1)(C). I was to be given all three of these opportunities first BEFORE you may furnish any of my private information wit other third party non affiliated companies such as Experian. I know TCM will not be able to prove me consenting to this because i never received them to begin with. The hard inquiry left on my Experian report by TCM is UNAUTHORIZED by me, the consumer. They are continuing to break the law by allowing my private information to be shared without my consent. I expect the inquiry to be removed off my credit report because you have no permissible purpose, consent from me, or the right to share my private information with others. Thank you
Sincerely,

*******************************
Initial Complaint
Date:08/05/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress TCM BANK NA Amount:$24388Date:5/31/2024 Acct#****************
Business Response
Date: 08/13/2024
Please see attached response.
Initial Complaint
Date:06/03/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On March 4, 2024 I reached out to TCM BANK to have my secure credit card deposit check replaced. The account graduated from nonsecure in 2022. The check was received but misplaced. I have not heard back from TCM Bank regarding proof of the check being cashed or a replacement check. The representative I spoke to advised they would open a ticket to have the accounting department validate if the check was cashed. It has been almost 90 days with no response. I did call today on June 1, 2024 and the representative said they were unable to provide an update and would have someone call back on Monday.
Business Response
Date: 06/10/2024
Please see attached response.

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TCM Bank, N.A. is NOT a BBB Accredited Business.