As an independent financial planner the banks are my competition and I hate them because of crap like this. And coercive tied selling, which is illegal according to the Bank Act. I know they do it regularly and I had an incident recently. I see them enticing clients to take products they don't want and should not have, taking on more debt than they can handle and using other unethical practices. I blame both the company and the employee, although I sort of understand when an employee wants to protect his/her job. I couldn't look myself in the mirror. A family member works for a bank and is on stress leave because of these pressures.
Banks are evil and need to be called on these things. It's not just TD, but all banks. I'd love for the bank (and near-bank) employees in this thread to try to justify this.
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