Total CFPB complaints
85
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 85 complaints
TCF NATIONAL BANK — Debt Collector Complaint Profile
CFPB complaint profile across 25 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TCF NATIONAL BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
20 complaints
- Communication tactics
Communication tactics
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
9 complaints
- Improper contact or sharing of info 7
Improper contact or sharing of info
7 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about TCF NATIONAL BANK?
TCF NATIONAL BANK has accumulated 85 total CFPB complaints across 25 states, with 1 filed in the most recent 12 months against 84 historical complaints before that window. The trailing-12-month volume represents 1.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 32% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 25 states, led by Illinois with 15 and Indiana with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places TCF NATIONAL BANK in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
1.2% of total history
Rising ↑
States active
25
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
32%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How TCF NATIONAL BANK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 63.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 44.6%
Share of US states + territories with at least one filed complaint against this collector.
How does TCF NATIONAL BANK compare to its peers?
TCF NATIONAL BANK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-12 2025-10
Top Consumer Issues
Communication tactics13 (%)
Cont'd attempts collect debt not owed9 (%)
Improper contact or sharing of info7 (%)
Attempts to collect debt not owed20 (%)
Written notification about debt3 (%)
Taking/threatening an illegal action3 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Improper contact or sharing of info | Talked to a third party about my debt | 7 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
Where do complaints against TCF NATIONAL BANK come from?
The states where consumers have filed the most CFPB complaints against TCF NATIONAL BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TCF NATIONAL BANK
Across 25 states with at least one filing
- Illinois
Illinois
15 complaints
- Indiana
Indiana
10 complaints
- California
California
8 complaints
- Minnesota
Minnesota
7 complaints
- Florida
Florida
6 complaints
- Michigan 5
Michigan
5 complaints
- Georgia 3
Georgia
3 complaints
- Texas 3
Texas
3 complaints
Frequently Asked Questions
What is the most common complaint against TCF NATIONAL BANK? ▼
The most common issue consumers report about TCF NATIONAL BANK is "Communication tactics", 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 rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is TCF NATIONAL BANK's reputation grade? ▼
TCF NATIONAL BANK has a reputation grade of D (score: 57.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if TCF NATIONAL BANK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If TCF NATIONAL BANK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |