Talk:TCF Financial Corporation

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TCF Bank/TCF Financial Corporation merge[edit]

I am not sure why this merge was proposed. In my mind they are two very different subjects. TCF Bank is the company which provides banking services in six states (soon seven). TCF Financial Corporation is a holding company. In addition to the bank TCF Financial also owns subsidiaries offering insurance, annuities, brokerage products, and nation-wide equipment leasing. I have made a few changes in case this distinction was not clear. But I don't think it's appropriate to merge an article on a major subsidiary into the holding company's article (it would be like merging NBC into NBC Universal and then into General Electric). Cmadler 17:11, 10 January 2006 (UTC)

Take a look also at Kroger. Nearly all of its subsidiaries (many of them smaller than those of TCF Financial) have pages. Many of those pages are stubs (City Market (US) for example). But they have potential to grow, and clearly exist as entities distinct from their parent corporation. Cmadler 02:59, 11 January 2006 (UTC)
Since several weeks have passed and no rationale has been given for a merge, I have removed the merge tags from these articles. Cmadler 03:46, 25 January 2006 (UTC

[edit]

This whole article read like an advertisement. I get a strong feeling that it is about what TCF can do for me and not really an encyclopedia article. ping 08:15, 25 March 2006 (UTC)

I have tried to make it as factual and thoroughly cited as possible, and did quite a bit of research to find fact-based criticisms of the company. Do you have any specific recommendations for changes? Better yet, help improve the article! Cmadler 12:07, 25 March 2006 (UTC)

Still reads like an ad[edit]

A good bit of this article was ripped off from the company's annual report. Its re-worded so its not a copyvio, but I dare say that the firm's annual report is not an unbiased source of info. [1]

It hardly helps that some of the "references" that are cited are the company's own press releases. Again, thats a violation of NPOV. Montco 04:01, 25 November 2006 (UTC)

I have attempted to make the citations from company reports and press releases purely factual. "As of December 31, 2005, the company reported more than $13 billion in assets," for example. How is this statement POV? Statements that might be seen as POV generally come from other sources and generally are critical of the company. If you can be more specific regarding the statements with which you disagree (or see as POV), then I will make every effort to change them; however I don't understand how a simple factual statement such as the one I quoted can be POV. Cmadler 12:43, 26 November 2006 (UTC)
And if you look at the article, a statement like you mentioned is still there after my edits. I focused on the Power Assets and Power Liabilities section. Its hard for me to look at that and read it any way other than the author is trying to attach something inherently good in what is effectively a bank "brand" if you will. The article takes it for granted that the bank has generated a high interest spread and low default rate based on nothing more than...a bank earnings release. That's not an independent source. I would ask what they used to compare. Where they looking at an apples to apples comparison or were they only including certain assets and liabilities when comparin spreads and default rates? Impossible to know. All you have is the bank's word.
There are also statements like "In the 1990s, the bank was a leader in developing supermarket banking." So how were they a leader? Is there a verifiable source that says they were the first to use supermarket banking in the country or even in the upper midwest? Sounds too much like the PR folks wrote it. The same comment goes for "In the mid-1980s, TCF Bank was one of the first in the nation to offer free checking to anyone with no strings attached." My dad has an old account from Virginia National Bank (now B of A) dating to the 1960's which offered lifetime free checking. So they may have beaten TCF to the punch by 20 years.
The whole de novo growth thing needs to be re-written if included at all. Essentially it says, we don;t like to grow by acquisition, unless we decide to grow in a new market. How has this strategy set the bank apart? A lot of banks feel this way. Has this stretegy helped the bank's profitability?
Its not just one thing. So I made pretty significant changes to those sections I felt were simply too much from my point of view. Please refer to the history to see what I changed. I hope that helps. Montco 16:28, 26 November 2006 (UTC)

good morning america i writing because my mom is on a fixed income that she has coming to tcf bank an not knowing that tcf had new rules this year about you over drafting they charge you every day my mom had no knowledge of this so when my mom received her check that she has in tcf bank they took 479.00 out of her acct knowing shes on a fixed income an thats all she have from a check of 674.oo without any letters or warnings or a payment plan we no they want there money back but what happen to compromiseing shes on a fixed income i would have thght that they would try to keep her as a costomer but shes closing her acct an they are giving her hell about that they old her 72 cent just send it n a check wth out all the letters ill never bank there an im going to write to whom ever would help me i find that crazy — Preceding unsigned comment added by 173.200.135.158 (talk) 17:22, 7 November 2011 (UTC)

factual inaccuracy?[edit]

This entry says that most TCF Branches are open 80 hours per week.

As a longtime customer, I've not encountered any branch open even close to 80 hours weekly. — Preceding unsigned comment added by 99.36.12.201 (talk) 09:15, 1 December 2011 (UTC)