Canada

Edit: i thought you meant TD. So this is my TD rant.

They have been playing games to push clients away. Happened to various people I know who'd banked with them their whole life. Older adults getting letters that they don't suit TDs profile.

I had them as my bank since 1991 they were awesome back then. In 2000s they offered a line of credit with .25% over prime so I signed on, was fine for 10 years.

Then I got sick with Cancer so my income dropped in half, and while I never missed a payment, I was slower paying Line of Credit.

They initially bumped the variance to 4%, then 11%. I called to explain I had a health issue and at first they said oof OK we will apply for a reduction but never called me back. I called them and the CSR person was an absolute asshole and denied the reduction. Then I got a letter that variance would be 17%. Because "they periodically review individual customers profiles".

There was also another incident that the news broke about them, changing the order of incoming and outgoing transactions on purpose to force an NSF fee, that happened to me.

So I closed Business Account, personal account, house insurance, removed my RRSPs after that. Credit union is great good interest, no fees.

TD are a shit company now: Internally they are pushed to always upsell, and the pressure from upper management is so high to generate new income, reflected in performance reviews, that some employees have said they lie to clients to get the sales numbers.

For us the CSR told me purchasing TD mortgage insurance was mandatory for having a mortgage with them. (Not the CMHC part, but individual insurance) When it went to underwriting , underwriting called me to review details. They asked what made me choose TD mortgage insurance. I said I was told I had to, and underwriting said absolutely not, you are not required to have any mortgage insurance.

If you at some point don't fit who they want they will do the same to you.

The whole time through that I had an awesome credit score too, which makes 0 sense one why they were being dicks.