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

CFPB complaint data Grade D 85 complaints

TCF National Bank - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade D.

Complaints by issue type

What consumers report about TCF National Bank

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 85
  • GRADE D
  • 12MO 1
  • STATES 25
  • TIMELY 96%
  • DISPUTE 32%
  • ISSUE Attempts to collect debt n…
  • RANK #900
  • COMPOSE Not ranked

Volume peers

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

Account Services Collections, IncAccount Services Collections…85Ballybunion Enterprises, IncBallybunion Enterprises, Inc85CB1, Inc.CB1, Inc.85Credit Bureau of Carbon CountyCredit Bureau of Carbon Coun…85TCF National Bank (this)TCF National Bank (this)85
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 →

How the 85 complaints break down

Every complaint issue type on record for TCF National Bank, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.8/100
TCF National Bank

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
85
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
32%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#900 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
1
2
268
Timely-response ratehigher is better
96%
8%
91%
Consumer-dispute ratelower is better
32%
3%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy TCF National Bank a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) TCF National Bank vs. 10 similar-volume peers, by response speed and dispute rate TCF National BankNAM National Arbitration and MediationMiller, Stark, Klein and AssociatesCredit Bureau of Carbon CountyCB1, Inc.Ballybunion Enterprises, IncAccount Services Collections, IncACS Education ServicesALEXANDER-ROSE ASSOC, INC.AUTOMOTIVE CREDIT CORPORATIONAvant Credit Corporation
Source: CFPB Consumer Complaint Database

TCF National Bank's complaint volume in context

TCF National Bank vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

85 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. TCF National Bank 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against TCF National Bank

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.