Consumer Loan FAQs

Clear up the confusion about consumer loans. View our list of frequently asked questions to help you choose the right loan for you.

General Information

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I did not receive my consumer loan statement this month. Who do I need to contact?

Please contact Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363).

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I would like a payment history of my consumer loan. Where can I get one?

For all history requests, please contact Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363).

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My loan is showing incorrectly on the credit bureau. What do I need to do to fix this?

The Federal Trade Commission (FTC) provides helpful information for consumers regarding how to dispute credit report errors at www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

If you believe that TCF has reported information regarding your TCF loan incorrectly to a credit reporting agency, you may dispute the accuracy of the reporting both to the credit reporting agency and to TCF.  To dispute the accuracy of the information to TCF, you must send a written notice of dispute to:

TCF National Bank
Attn: Customer Service
101 East 5th St., Suite 101
St. Paul, MN 55101

As required by the Fair Credit Reporting Act, the notice of dispute must contain the following information:

(1)    The account that is in dispute, including the account number, if available;
(2)    The specific information that you believe is inaccurate;
(3)    An explanation of why you believe the information is inaccurate; and
(4)    A copy of the relevant portion of the consumer report that you believe is inaccurate.  

Your letter may look something like the sample below.  When we receive your notice of dispute that includes the above information, we will investigate the dispute.

You may also dispute the accuracy of any item on your credit report, including the accuracy of information provided by TCF National Bank, to the credit reporting agency that provided the report.  The customer service numbers for the credit reporting agencies are as follows:

•    Experian: 1-888-397-3742
•    TransUnion: 1-800-888-4213
•    Equifax: 1-800-685-1111

If you are unsure about which credit reporting agency to contact, we may be able to direct you. Please contact Consumer Lending Customer Service at 1-800-950-7332

Sample Dispute Letter:

Date
Your Name
Your Address, City, State, Zip Code

TCF National Bank
Attn: Customer Service
101 East 5th St., Suite 101
St. Paul, MN 55101

Re:  Loan#__________________

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This TCF loan is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Your name
Enclosures: (List what you are enclosing.)

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I am interested in applying for a loan at TCF. Who do I contact?

You can apply for a loan at our branch locations. To be connected with the branch nearest you, please call 1-800-TCF-LEND (1-800-823-5363)

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Whom do I contact to order a new coupon book for my consumer loan?

New coupon books will be automatically sent to you before you run out of coupons. There is no need for you to call to reorder. If you have lost your current coupon book, please contact TCF Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363).

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Whom do I contact about the outstanding balance or payoff amount of my consumer loan?

Please contact the lender at the branch where you closed your loan or call 1-800-TCF-LEND (1-800-823-5363).

Payments and Account Information

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How can I check to see if my loan payment was received?

You may contact Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363). Please have your consumer loan account number available.

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I would like to set-up automatic payment withdrawal on my consumer loan. How can I do this?

Contact Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363) to obtain the necessary forms. Or, you may use the convenient form located in your consumer loan coupon book and send it in with your monthly payment.

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When will my payoff papers or refund be sent to me?

Refunds are normally sent out within 10 business days of the date of your consumer loan pay-off. If you haven't received your refund within 15 business days, please contact Consumer Lending Customer Service at 1-800-TCF-LEND (1-800-823-5363).

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How can I change the address on my consumer loan?

All address change requests should be submitted in writing including your consumer loan account number and the old and new address. The request can be mailed to:

TCF Bank
Attn: Customer Service
Mail Code: 002-01-p
101 E. 5th St. Suite 101
St. Paul, MN  55101

You may also use the change of address form located in your coupon book and send it with your monthly payment.

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I need to make payment arrangements on my consumer loan. Who do I need to contact

Please phone our loan servicing department at 1-800-TCF-LEND (1-800-823-5363).

TCF CommandLine®

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What is the TCF CommandLine® and how do I apply for it?

The TCF CommandLine is TCF's Home Equity Line of Credit, which provides you access to the equity in your home. Now it is even more convenient with the TCF CommandLine Card, a VISA® branded credit card that directly accesses your Line of Credit. If you request the TCF CommandLine Card, you can get cash advances from ATMs or banks or make purchases everywhere VISA® credit cards are accepted. The TCF CommandLine Card is not available in Connecticut, Nebraska and New York.  For more information or to apply for your TCF CommandLine, please call 1-800-TCF-LEND (1-800-823-5363).

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My TCF CommandLine® Card has been lost or stolen. What should I do?

Report lost or stolen cards immediately by calling our toll-free Consumer Lending Customer Service number at 1-800-TCF-LEND (1-800-823-5383). With Visa's Zero Liability policy, you are not responsible for unauthorized purchases.  Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa® or certain commercial card transactions. Cardholder must notify TCF Bank promptly of any unauthorized use. Consult TCF Bank for additional details or visit www.visa.com/security.