Companies › Bank account or service
Who is complaining aboutTCF NATIONAL BANK?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
1
0 in the 12 months before · 2,494 since 2011 · under 0.1% of all complaints the CFPB received
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
Consumers sent the Consumer Financial Protection Bureau 1 complaint about TCF NATIONAL BANK in the 12 months to 1 Oct 2026, after none in the 12 months before. The database holds 2,494 complaints about the company going back to 2011.
TCF NATIONAL BANK could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
35.9% of the complaints on file fall under the CFPB product category “Bank account or service”, followed by “Checking or savings account” at 29.1%. The issue selected most often was “Managing an account” (18.4%).
How the company's responses were recorded across all years: 66.1% closed with an explanation, 8.5% closed with non-monetary relief, 22.3% closed with monetary relief. 97.6% of responses were marked timely.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
Too few companies share this company's main complaint category for a peer median. Nationally, 99.6% of responses were marked timely and 31.5% of closed complaints ended with monetary or non-monetary relief; for this company the figures are 97.6% and 32.8%.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Bank account or service895 · 35.9%
- Checking or savings account727 · 29.1%
- Mortgage405 · 16.2%
- Credit reporting, credit repair services, or other personal consumer reports101 · 4%
- Consumer Loan99 · 4%
- All other categories267 · 10.7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing an account | 459 | 18.4% |
| Account opening, closing, or management | 284 | 11.4% |
| Problems caused by my funds being low | 253 | 10.1% |
| Deposits and withdrawals | 239 | 9.6% |
| Trouble during payment process | 114 | 4.6% |
| Loan modification,collection,foreclosure | 102 | 4.1% |
| Problem caused by your funds being low | 100 | 4% |
| Loan servicing, payments, escrow account | 84 | 3.4% |
| Managing the loan or lease | 83 | 3.3% |
| Closing an account | 74 | 3% |
| Other CFPB issue categories | 702 | 28.1% |
Bank account or service
895 complaints since 2011 (35.9% of this company's total). That is 1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 284 | 31.7% |
| Problems caused by my funds being low | 253 | 28.3% |
| Deposits and withdrawals | 239 | 26.7% |
| Using a debit or ATM card | 69 | 7.7% |
| Making/receiving payments, sending money | 50 | 5.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 770 | 86% |
| Other bank product/service | 66 | 7.4% |
| Savings account | 30 | 3.4% |
| (CD) Certificate of deposit | 24 | 2.7% |
| Cashing a check without an account | 5 | 0.6% |
Checking or savings account
727 complaints since 2011 (29.1% of this company's total). That is 0.2% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 459 | 63.1% |
| Problem caused by your funds being low | 100 | 13.8% |
| Closing an account | 74 | 10.2% |
| Problem with a lender or other company charging your account | 54 | 7.4% |
| Opening an account | 35 | 4.8% |
| Other CFPB issue categories | 5 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 603 | 82.9% |
| Other banking product or service | 73 | 10% |
| Savings account | 32 | 4.4% |
| CD (Certificate of Deposit) | 19 | 2.6% |
Mortgage
405 complaints since 2011 (16.2% of this company's total). That is 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Trouble during payment process | 114 | 28.1% |
| Loan modification,collection,foreclosure | 102 | 25.2% |
| Loan servicing, payments, escrow account | 84 | 20.7% |
| Applying for a mortgage or refinancing an existing mortgage | 24 | 5.9% |
| Struggling to pay mortgage | 21 | 5.2% |
| Other CFPB issue categories | 60 | 14.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Conventional home mortgage | 98 | 24.2% |
| Other mortgage | 98 | 24.2% |
| Conventional fixed mortgage | 71 | 17.5% |
| Home equity loan or line of credit (HELOC) | 60 | 14.8% |
| Home equity loan or line of credit | 33 | 8.1% |
| Other or no sub-product recorded | 45 | 11.1% |
Credit reporting, credit repair services, or other personal consumer reports
101 complaints since 2011 (4% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 55 | 54.5% |
| Improper use of your report | 26 | 25.7% |
| Problem with a credit reporting company's investigation into an existing problem | 16 | 15.8% |
| Credit monitoring or identity theft protection services | 1 | 1% |
| Problem with fraud alerts or security freezes | 1 | 1% |
| Other CFPB issue categories | 2 | 2% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 95 | 94.1% |
| Other personal consumer report | 6 | 5.9% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation1,649 · 66.1%
- Closed with monetary relief555 · 22.3%
- Closed with non-monetary relief211 · 8.5%
- Closed with relief52 · 2.1%
- All other categories27 · 1.1%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
The company's optional public response
Companies may choose one public response category from a CFPB list. These are the company's own selections.
| Company public response (CFPB category) | Complaints | Share |
|---|---|---|
| No public response category recorded | 1,373 | 55.1% |
| Company believes it acted appropriately as authorized by contract or law | 931 | 37.3% |
| Company believes complaint is the result of an isolated error | 55 | 2.2% |
| Company can't verify or dispute the facts in the complaint | 51 | 2% |
| Company believes the complaint is the result of a misunderstanding | 31 | 1.2% |
| Company believes complaint caused principally by actions of third party outside the control or direction of the company | 27 | 1.1% |
| Company believes complaint represents an opportunity for improvement to better serve consumers | 17 | 0.7% |
| Company has responded to the consumer and the CFPB and chooses not to provide a public response | 4 | 0.2% |
| Company disputes the facts presented in the complaint | 4 | 0.2% |
| Company believes complaint relates to a discontinued policy or procedure | 1 | <0.1% |
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Illinois | 765 | 30.7% |
| Minnesota | 486 | 19.5% |
| Michigan | 310 | 12.4% |
| Colorado | 143 | 5.7% |
| Wisconsin | 117 | 4.7% |
| California | 104 | 4.2% |
| Arizona | 79 | 3.2% |
| Florida | 52 | 2.1% |
| Texas | 37 | 1.5% |
| Ohio | 31 | 1.2% |
| Georgia | 25 | 1% |
| New York | 25 | 1% |
Top 12 of 49 states with at least one complaint since 2011. State counts follow population and where the company does business.
Questions and answers
How many complaints has the CFPB received about TCF NATIONAL BANK?
1 in the 12 months to 1 Oct 2026 (0 in the 12 months before that) and 2,494 since 2011. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
TCF NATIONAL BANK could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
35.9% of complaints on file are filed under “Bank account or service”. The issues selected most often were “Managing an account” (18.4%), “Account opening, closing, or management” (11.4%), “Problems caused by my funds being low” (10.1%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does TCF NATIONAL BANK respond to complaints?
66.1% were closed with an explanation, 8.5% with non-monetary relief and 22.3% with monetary relief; 97.6% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.