TCF National Bank

Report Card
Overall Grade
Mortgages Grade
Debt Collection Grade
Credit Cards Grade
TCF National Bank is rated overall in the top 53 percentile (out of 100) based on 749 customer complaints.


Complaints Currently In-Progress
Complaints per $100K of Deposits48.8
Complaints Resolved in a Timely Manner99.1%
Resolutions Disputed by Customer16.8%
Average Time Until ResolutionUnknown

Financial Report

Owner CorporationTcf Financial Corporation
EstablishedJanuary, 1923
FDIC InsuredMarch, 1936
FDIC Certificate #028330
Number of Branches387
Total Assets$19.1 Million (52nd)
Total Deposits$15.4 Million (49th)
Total Equity$2 Million (56th)
Quartarly Net Income$52.5 Thousand (47th)

Contact Information

Corporate Headquarters
2508 South Louise Avenue
Sioux Falls, SD 57106
United Statesflag
Data Summary
TCF National Bank logo

Grade Summary

Overall, TCF National Bank received a grade of "B-" based on how quickly the company responded to complaints, how often customers disputed their final resolution, and how many complaints were recieved per customer.

Grades are also broken down by the financial products offered be each institution. TCF National Bank is rated "C" in Mortgages, "A" in Debt Collection, "A-" in Credit Cards, and "C-" in Bank Account Services. Click on any of the financial products to see how TCF National Bank compares.


TCF National Bank has received 749 consumer complaints since December, 2011 – more than 98% of other banks.

Of those complaints, 99.1% of complaints were resolved in a timely manner. The CFPB allows 60 days to resolve complaints before considering them 'untimely.' TCF National Bank meets the 60-day response deadline more frequently than 53.6% of other banks.

After companies respond to complaints, customers may dispute the response indicating that the issue was not resolved adequately. 16.8% of customers dispute TCF National Bank's response to complaints — better than 57.7% of other companies.

Most of TCF National Bank's customers complain about bank account or services with the primary issue being "problems caused by my funds being low."

TCF National Bank is primarily a commercial bank with a commercial lending specialization. TCF National Bank is based in Sioux Falls, South Dakota and is the 52nd largest FDIC insured bank in America.

Naturally larger banks receive more customer complaints than smaller ones. This does not necessarily indicate that a bank is better than another in terms of service and customer support.

However, even after adjusting for bank size and number of customers, TCF National Bank receives far more complaints than most other banks. TCF National Bank recieves more complaints per customer than 99% of other banks – customers are significantly more likely to file complaints than customers of most other banks.

Corporate Headquarters
Complaints by Product
Complaints by State
Complaints Against TCF National Bank
#Financial ProductSub-ProductComplaint IssueComplaint Count
1Bank account or serviceChecking accountProblems caused by my funds being low173
2Bank account or serviceChecking accountAccount opening, closing, or management162
3Bank account or serviceChecking accountDeposits and withdrawals159
4Bank account or serviceChecking accountUsing a debit or ATM card47
5MortgageOther mortgageLoan modification,collection,foreclosure44
6Bank account or serviceChecking accountMaking/receiving payments, sending money30
7MortgageOther mortgageLoan servicing, payments, escrow account25
8MortgageConventional fixed mortgageLoan servicing, payments, escrow account19
9MortgageConventional fixed mortgageLoan modification,collection,foreclosure18
10Consumer loanVehicle loanManaging the loan or lease16
Responses From TCF National Bank
#Company ResponseResponse CountTimely Response CountDisputed Count
1Closed with explanation445441 (99.1%)112 (25.2%)
2Closed with monetary relief264260 (98.5%)17 (6.4%)
3Closed with non-monetary relief6463 (98.4%)12 (18.8%)
4Closed with relief5252 (100%)6 (11.5%)
5Closed without relief2424 (100%)4 (16.7%)
6In progress22 (100%)0 (0%)
Complaints over the Past Year