Just quickly scanning through the thread, but the suggestion that this is more of an indictment of the employees than the employer is dead wrong.
In no way should the employees that did anything wrong or unethical be absolved of the responsibility for their actions, but let's be clear: this is an action of the employer. TD (and all banks, frankly) set the culture as the employer. And people do what you pay them to do. This is 100% on the bank, regardless of the fact that the individual employees are responsible for their own actions.
Crap like this is why I built my firm. And it's why I will never want for new clients. The industry (and it isn't just the banks, it's a majority of all the big national firms) flat out abuse clients/customers.
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