What is the most common complaint against TCF & Associates?

The most common issue consumers report about TCF & Associates is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 3 complaints filed with the CFPB.

Are complaints against TCF & Associates increasing or decreasing?

Complaints against TCF & Associates are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is TCF & Associates's reputation grade?

TCF & Associates has a reputation grade of F (score: 35.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does TCF & Associates respond to consumer complaints?

TCF & Associates has a 0% timely response rate to CFPB complaints.

In how many states does TCF & Associates operate?

TCF & Associates has received CFPB complaints from consumers in 3 states, with the most complaints from Arizona (1 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

TCF & Associates - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Took or threatened to take negative or legal action

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record tcf-associates TCF & Associates

Grade F · 3 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #3832 · compose #5108

VOL 3
GRADE F
12MO 0
STATES 3
TIMELY 0%
ISSUE Attempts to collect debt n…
RANK #3,832
COMPOSE #5,108

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

TCF & Associates's 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

33.3% of TCF & Associates's CFPB filings land in Arizona

High volume does not equal a clean composite: TCF & Associates is volume #3,832 but composite #5,108, while Arizona dominates the geography. Corpus placement method.

Dominant state: Arizona 33.3%; 1 of 3 filings · 3 states touched
Spike month: 2014-02 28.6%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,832 volume; #5,108 composite; Cleanest-composite ladder is 1,276 places worse than volume

How does TCF & Associates compare to its peers?

How does TCF & ASSOCIATES compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

TCF & ASSOCIATES National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-08 2014-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1
False statements or representation	1

Where do complaints against TCF & Associates come from?

TCF & Associates's own per-state count, not a national baseline.

Arizona

1
California

1
Utah

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for TCF & Associates: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to TCF & Associates: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.