What is the most common complaint against TCF National Bank?

The most common issue consumers report about TCF National Bank is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 85 complaints filed with the CFPB.

Are complaints against TCF National Bank increasing or decreasing?

Complaints against TCF National Bank are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is TCF National Bank's reputation grade?

TCF National Bank has a reputation grade of D (score: 53.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does TCF National Bank respond to consumer complaints?

TCF National Bank has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.

In how many states does TCF National Bank operate?

TCF National Bank has received CFPB complaints from consumers in 25 states, with the most complaints from Illinois (15 complaints).

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

TCF National Bank - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

20
Communication tactics

20
Cont'd attempts collect debt not owed

10
Improper contact or sharing of info

8
Taking/threatening an illegal action

6
Written notification about debt

5

Data updated September 2026

CFPB complaint disposition

CCDB record tcf-national-bank TCF National Bank

Grade D · 85 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #900 · compose #3595

VOL 85
GRADE D
12MO 1
STATES 25
TIMELY 96%
DISPUTE 32%
ISSUE Attempts to collect debt n…
RANK #900
COMPOSE #3,595

Volume peers

Nearest volume peer: Account Services Collections, Inc (85 complaints)

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

TCF National Bank's 85 CFPB complaints sit next to Account Services Collections, 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 →

Filing geometry

Illinois is the plurality state for TCF National Bank (17.6%)

Volume rank #900 and composite rank #3,595 diverge by 2,695 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Illinois 17.6%; Mid-band (15–30%) · 25 states with ≥1 filing
Seasonal peak: 2022-03 10.0%; 8–15% band · 5 filings
Divergent corpus ranks: #900 volume; #3,595 composite; Cleanest-composite ladder is 2,695 places worse than volume

How does TCF National Bank compare to its peers?

How does TCF NATIONAL BANK 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 NATIONAL BANK National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

91%

Consumer-dispute ratelower is better

32%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-03 2025-06

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	20
Communication tactics	20
Cont'd attempts collect debt not owed	10
Improper contact or sharing of info	8
Taking/threatening an illegal action	6
Written notification about debt	5
Took or threatened to take negative or legal action	5
Threatened to contact someone or share information improperly	5
False statements or representation	3
Disclosure verification of debt	3

Where do complaints against TCF National Bank come from?

TCF National Bank's own per-state count, not a national baseline.

Illinois

15
Indiana

10
California

8
Minnesota

7
Florida

6
Michigan

5
Georgia

3
Texas

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for TCF National Bank: 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: 85.

4 peers

Know your rights before responding to TCF National Bank: 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.