[BIC_BAWS]

It's disgusting when a financial institution no longer does what's right for the customer. It used to be that you could trust your financial advisor, now, it's almost like walking into Velocity (exaggeration). Yes, upselling is in all industries. But when employees are pressured to make unethical choices, it starts to get a little grey. Personally, as a business student, I'm starting to think I'm in the wrong industry. Moral code, ethics, and values are important to me, but too many corporations are just profit driven.

In a different example, a contract, failure to disclose additional information is illegal. Tellers are acting as agents of the bank, and thus must disclose all relevant information.

I recently closed my TD account. Previously, it was my savings account for my tax returns. However, since I've turned 18 (or 19), I've been charged service fees without warning. I only received notice after the 4 years of tax returns turned into $8.56 - insufficient to pay service charge.

This also happened at ScotiaBank where my childhood bank account robbed me of my money, and didn't notify me until the account was empty.

Thoughts on this?

TL;DR: Keep your mod fund under your bed.

'I will do anything I can to make my goal': TD teller says customers pay price for 'unrealistic' sales targets - British Columbia - CBC News (http://www.cbc.ca/news/canada/british-columbia/td-tellers-desperate-to-meet-increasing-sales-goals-1.4006743)

Edit:

I feel that I may have overshared. The purpose of this wasn't to talk about my experience, I used it as an example of a tactic that TD (and scotia) used to change my account, and thus charge fees. And yes, I should have done the due diligence, as previously mentioned.

In hindsight, I probably should have just left it out. I'd rather discuss the various other shady business practices to get consumers to sign up for stuff.

Waiting for report that TD went full-Wells Fargo (http://www.npr.org/2016/10/04/496508361/former-wells-fargo-employees-describe-toxic-sales-culture-even-at-hq).

PC Financial . . . looks like they're involved in some sketchy shit too: 'Whatever means necessary': How these insiders tricked Loblaws shoppers into signing up for credit cards - British Columbia - CBC News (http://www.cbc.ca/news/canada/british-columbia/sdi-marketing-staff-tricked-customers-to-sign-for-credit-cards-at-loblaws-stores-1.3943180)

Like Radioman said, how do we see this as? How do we as consumers feel about corporate ethics?

Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?


When I read the article, I found it upsetting that upselling went to this extent, "When I come into work, I have to put my ethics aside and not do what's right for the customer"

[SumAznGuy]

This also happened at ScotiaBank where my childhood bank account robbed me of my money, and didn't notify me until the account was empty.

Not justifying it but the flip side is you can open a bank account with a company like PC Financial and everything is done via machine, telephone or internet.
That means little to no customer service when you need it.
Need a certified cheque, they will mail it to you with snail mail with the cheapest method, IE not insured, takes a few to 7 business days to arrive and doesn't require a signature so someone who steals your mail will be able to cash it.

[Presto]

Waiting for report that TD went full-Wells Fargo (http://www.npr.org/2016/10/04/496508361/former-wells-fargo-employees-describe-toxic-sales-culture-even-at-hq).

[BIC_BAWS]

Not justifying it but the flip side is you can open a bank account with a company like PC Financial and everything is done via machine, telephone or internet.
That means little to no customer service when you need it.
Need a certified cheque, they will mail it to you with snail mail with the cheapest method, IE not insured, takes a few to 7 business days to arrive and doesn't require a signature so someone who steals your mail will be able to cash it.

Oh yeah, my only bank account right now, is PC Financial. No fees or anything, but looks like they're involved in some sketchy shit too: 'Whatever means necessary': How these insiders tricked Loblaws shoppers into signing up for credit cards - British Columbia - CBC News (http://www.cbc.ca/news/canada/british-columbia/sdi-marketing-staff-tricked-customers-to-sign-for-credit-cards-at-loblaws-stores-1.3943180)

[unit]

my gf worked for td before. she didn't complain that much about that sort of thing, she complained more about customers getting calls and asking them about their experience at their last visit. they had to strongly agree that their experience was "legendary" or else she'd get a negative rating. they had to also strongly agree that their visit made them want to do more business with td or she'd get another bad rating. at no point does the question reference the fact that the ratings are directly related to the teller and not the branch in general.

[Spoon]

Welcome to adulthood where you have to read your contracts.

[BIC_BAWS]

Welcome to adulthood where you have to read your contracts.

I always read my contracts. I read my car contract, I read my phone contract. I think what was really annoying was that they didn't even send a notice, until the account had insufficient funds to pay for the monthly fee. It's also that they can see that the account is inactive, but choose to not notify me.

I don't remember if I created the accounts, both scotiabank and TD, with my authorization or parents. But I remember it was my signature with PC Financial. I should have paid better attention in Business Law, cause I almost want to say the contract with a minor cannot be rectified. Thus, I should not have been automatically charged.

[Spoon]

I think what was really annoying was that they didn't even send a notice, until the account had insufficient funds to pay for the monthly fee. It's also that they can see that the account is inactive, but choose to not notify me.

You paid them what? $5/month and expect personalized service? :awwyeah:

You're going to be disappointed with how things work. My financial advisor contacts me several times a year to remind me to buy RRSPs and RESPs. Other than that, she sends me a Starbucks gift card on my birthday and that's as personal as it'll ever get.

[radioman]

Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?

When I go into any TD branch its hit or miss if I get asked to buy overdraft protection, get a new LOC increase or anything else they can throw at me. Its not very difficult to say no. I don't see how this is hurting the consumer. Now there could be instances of a teller misinforming a customer into using or getting one of those features but I've never run into that occurrence after 12 years of banking with TD.

Working in a toxic environment that sets quotas for these is where I can see a problem and I feel for TD staff but they can leave if its not the environment they think they signed up for.

[BIC_BAWS]

You paid them what? $5/month and expect personalized service? :awwyeah:


While personalized service would be nice, but no. I expect no bullshit fees and proper customer service. My fees were $29/mo. I don't expect babysitting, I expect a notice sent to me that my account will now be charged after this date.

Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?

When I go into any TD branch its hit or miss if I get asked to buy overdraft protection, get a new LOC increase or anything else they can throw at me. Its not very difficult to say no. I don't see how this is hurting the consumer. Now there could be instances of a teller misinforming a customer into using or getting one of those features but I've never run into that occurrence after 12 years of banking with TD.

Working in a toxic environment that sets quotas for these is where I can see a problem and I feel for TD staff but they can leave if its not the environment they think they signed up for.

I think it's a negative thing for both consumers and employees. There's so much consumer fraud and I think it's shocking coming from banks. I think that employees shouldn't be encouraged to ignore their values. But at the same time, they do have the right to leave. I think it's that most people at TD, are in university/college and this would be the beginning of their career. I think the worry is that if they don't do as asked, it'll go on their record and stain their reputation for the rest of their career.

[Fafine]

if youre a full time student, let the bank know n there shouldnt be a monthly fee. At least with RBC

[Spoon]

While personalized service would be nice, but no. I expect no bullshit fees and proper customer service. My fees were $29/mo. I don't expect babysitting, I expect a notice sent to me that my account will now be charged after this date.

If you're stuck on the fact that they didn't notify you, try contacting their CSRs, they likely keep records. I've used the same chequing account you mentioned for over a decade and can honestly say they've kept me up to date with every change.

[DragonChi]

You don't check your account/transaction history?

PC financial even sent me a letter saying my dormant account was closing, and that I had money in it.

It's your money, it should be your due diligence.

You might be able to argue that you didn't use their services at all, if you haven't been. At 30 dollars a month, for 4 years, means you had $1440 in it. It's worth at least an effort to try to get back.

[iPee]

If you tell them you are a student they should be able to reverse those fees for you. BMO has always been pretty good about it. If you have a friend that works there maybe they can help you out.......

Word of advice, check your accounts every once in awhile.

[BIC_BAWS]

You don't check your account/transaction history?

PC financial even sent me a letter saying my dormant account was closing, and that I had money in it.

It's your money, it should be your due diligence.

You might be able to argue that you didn't use their services at all, if you haven't been. At 30 dollars a month, for 4 years, means you had $1440 in it. It's worth at least an effort to try to get back.

I agree, it is my due diligence. I always thought my taxes get deposited into my PC account, but it was actually my TD account. Four years of tax returns, but not a lot of money back cause student life. I started getting charged since I turned 18 or 19. If we assume 19, and I closed my account in Jan, then roughly 4 months of charges. Works out to about $120. With BCIT stuff, I didn't really want to go through the trouble.

[DragonChi]

That's like 2 weeks of student life food! I'll call for you and we can split the goods. :lol

[PeanutButter]

Have you guys been to a TD branch? Have you ever felt pressured into signing up for something? I know I haven't.

I think this is a little exaggerated. I understand that there are quotas and targets to be made, but I think this one branch might be an outlier. These managers seem to be dicks to their employees. I find it hard to believe this is the norm across all branches.

In my experiences, the TD tellers are always more chirpy than RBC, CIBC, and Scotia. But, that's just my experience.

Though, I can see how less educated consumers could be "Conned" into signing up for these "Extras"

[EDawg]

i've worked for TD as an advisor

yes the sales targets have gone up substantially and i wouldn't be surprised to hear that staff are upselling and pushing for sales more than before

but in OP's case, you weren't upsold anything. you had a bank account with a monthly fee and failed to monitor the activity

what boggles me is that you had 4 years worth of tax refunds in the account and didn't bother to check the account? doesn't take a whole lot of effort to sign into online banking and look around every once in a while.

do you think rogers/telus/shaw will call you if they notice you haven't been using your service? do you think these big companies would proactively call you to cancel your service? of course not. as a business student you should know that.

hard to side with you on this one OP

[sdubfid]

They tried to sell me something when I called in yesterday and when I went to the branch today. It's the equivalent of an obese person trying to give fitness advice.

[MrPhreak]

.

[noclue]

Nowadays ATM and online banking do most of the tellers job. I rarely see a teller unless I need a bank draft. I'm guessing 5 more years and you can get bank drafts through an ATM.

[quasi]

The less contact the bank has with me the better. It's one of those don't call me I'll call you scenarios. How often does the average person go inside a bank and actually deal with the teller anymore? I probably go in once a year at the most. I bank at the same bank my brother in law manages so no fees for this guys, if I do get charged a fee I just send him a text and like magic it goes away.

[BIC_BAWS]

I feel that I may have overshared. The purpose of this wasn't to talk about my experience, I used it as an example of a tactic that TD (and scotia) used to change my account, and thus charge fees. And yes, I should have done the due diligence, as previously mentioned.

In hindsight, I probably should have just left it out. I'd rather discuss the various other shady business practices to get consumers to sign up for stuff.

Waiting for report that TD went full-Wells Fargo (http://www.npr.org/2016/10/04/496508361/former-wells-fargo-employees-describe-toxic-sales-culture-even-at-hq).

PC Financial . . . looks like they're involved in some sketchy shit too: 'Whatever means necessary': How these insiders tricked Loblaws shoppers into signing up for credit cards - British Columbia - CBC News (http://www.cbc.ca/news/canada/british-columbia/sdi-marketing-staff-tricked-customers-to-sign-for-credit-cards-at-loblaws-stores-1.3943180)

Like Radioman said, how do we see this as? How do we as consumers feel about corporate ethics?

Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?


When I read the article, I found it upsetting that upselling went to this extent, "When I come into work, I have to put my ethics aside and not do what's right for the customer"

[Euro7r]

Never liked TD and never will bank with TD ever again. I had a kids savings account when I was young, I would put in money I get from Christmas etc., into the savings. One year, they started charging account fees, which made no sense to me as kid, I don't even have a job to pay for service fees. They didn't send me mail to inform me or even tell me about it when I deposit money into the account until I called them out on the spot and flipped out on them. I demanded a refund of the fees back and I was a furious child back then, took out all the money and closed the account on the spot that day lol.

[josayeee]

I agree that it's stupid that they don't tell send you an invoice before charging you like most businesses do but that is the nature of dealing with banks.

As Mr. Phreak said, they are frustrating to deal with and they make you come in to get minor changes done. Then try to pitch you things and if you mention HELOC, the reps will literally cream in their pants.

In any case, I am okay with them. I pay nothing in bank fees by keeping the minimum balance. I pay my credit cards right away and rack up points which I've used for flights/hotels. The VISA card I got has no annual fee and came with travel/interruption insurance. My spouse got sick in Asia and we spent another $900 to book new flights. TD Visa reimbursed us. TD Waterhouse dinged us with a maintenance fee. I reminded them that we met several conditions for no maintenance fee and they gave us refunds. On the other hand, the mortgage rates they gave were not the best and the GIC rates they offered were pretty shitty.

[BIC_BAWS]

Never liked TD and never will bank with TD ever again. I had a kids savings account when I was young, I would put in money I get from Christmas etc., into the savings. One year, they started charging account fees, which made no sense to me as kid, I don't even have a job to pay for service fees. They didn't send me mail to inform me or even tell me about it when I deposit money into the account until I called them out on the spot and flipped out on them. I demanded a refund of the fees back and I was a furious child back then, took out all the money and closed the account on the spot that day lol.

This is EXACTLY what happened to me. Except i didn't flip out at them because i know the tellers don't deserve to be yelled at like that.. Tho i really wanted to.

[Jmac]

Out of curiosity do are you guys seeing this as a negative thing for consumers or employees of TD?

When I go into any TD branch its hit or miss if I get asked to buy overdraft protection, get a new LOC increase or anything else they can throw at me. Its not very difficult to say no. I don't see how this is hurting the consumer. Now there could be instances of a teller misinforming a customer into using or getting one of those features but I've never run into that occurrence after 12 years of banking with TD.

Working in a toxic environment that sets quotas for these is where I can see a problem and I feel for TD staff but they can leave if its not the environment they think they signed up for.
For a normal person, it's pretty easy to say no. That doesn't make it okay, though.

For elderly people, people with mental disabilities, and other vulnerable people, it's extremely easy (and extremely wrong) to convince them to purchase services and products they don't need.

[Spoon]

I should have done the due diligence

You answered your own question.

In the case of SDI. People fall for these scams because they're blinded by their own greed. How about saying no, do your homework and then go for the offer if you agree with the terms?

"There's no free meal". It's a damn good cliche for a reason.

[dark0821]

have to kinda agree with OP on this one.

The only reason I have a TD account is because it is literally 15 steps away from my work, and my boss uses TD, so my cheque will clear instantly when I bring it in...

I always just cash it on the spot and give it to my wife... she puts most of it into our shared RBC account, and rest of it just use for everyday stuff.

So yea, there are only 2 transactions a month on my TD account, 2 cashed cheques...

[dvst8]

All banks are like this. For one to think or expect otherwise is ill-advised.

[Jonydakiller]

who doesnt have $5000 in their account..come on :D
joke aside, i think TD is pretty good, i have the all inclusive acct which i know many of you have probably.
never really upselling except an extra page on easyweb when you first sign in, it asks if you would like to know more or just click skip.
Last time i phoned in, the guy was nice enough to let me know to download an app which gives me notification on my phone everytime a transaction take place in cheque acct or my aeroplan visa. i thought that was pretty neat
I, for one, like TD, lol

[RickyTan3]

Wow, welcome to real fucking life where you have to be responsible.

Unrealistic sales targets? You are expecting a business to operate and be profitable correct? I am not saying it is right to scam or take advantage of you but in this scenario it is all your fault for not paying attention to your financials.

edit: Why don't you bitch to Grocery stores about asking you to donate $1 every time you checkout.
Thats aggressive and makes me feel bad every time I say no

[jcmaz]

edit: Why don't you bitch to Grocery stores about asking you to donate $1 every time you checkout.
Thats aggressive and makes me feel bad every time I say no

It's okay to say no and don't feel bad about it. I felt bad every time I had to say stuff like that when I worked retail but we had to say it regardless.

[Mike Oxbig]

Dont be baited by TD tellers when they try to act friendly with you

[Chronix]

Dont be baited by TD tellers when they try to act friendly with you

What if they have big tits?

[winson604]

Opposite experiences with TD. Been with them my entire life (I'm mid 30's) and they've never tried to upsell me some bullshit whenever I see a teller, in fact the opposite. I'd say once every 4 visits they ask me about my TD Low Interest Visa card with an annual fee of I think it's $25 or $30 and if I would like to consider changing to a free one because I'm not carrying a balance until I say look what my interest is and then they go speechless. Although I suppose they still get a sale if you will if I changed cards? But all I've ever got from TD is them looking out for my interests in terms of costs savings.

I pay $3.95 in fees a month for my checking which is acceptable to me. No real complaints to make me want to leave.

[BIC_BAWS]

Opposite experiences with TD. Been with them my entire life (I'm mid 30's) and they've never tried to upsell me some bullshit whenever I see a teller, in fact the opposite. I'd say once every 4 visits they ask me about my TD Low Interest Visa card with an annual fee of I think it's $25 or $30 and if I would like to consider changing to a free one because I'm not carrying a balance until I say look what my interest is and then they go speechless. Although I suppose they still get a sale if you will if I changed cards? But all I've ever got from TD is them looking out for my interests in terms of costs savings.

I pay $3.95 in fees a month for my checking which is acceptable to me. No real complaints to make me want to leave.

Good to hear that you've had a positive experience. Looks like the experiences vary from branch to branch. Thanks for a constructive reply

[6o4__boi]

i bank with CIBC but i have a joint account with my wife with TD and it's day and night between the two banks


I've never received a call to ask how my experience was with CIBC in the 15+ years I've banked with them...whereas pretty much after some kinda transaction I do with TD, I get a goddamned survey call for the next 5 days.
The other thing that bugs me to shit about TD is the awkward small talk tellers try to make based on info they pull from my account.

"How's work at X going?"
"...you've been at X, X years, what's it like?"
"Seems like you got a raise at X, nice!"

Uh, if i want to talk about my private life, I'll bring up my private life. I hate small talk, it makes it even worse when the stuff you're telling is stuff I know you've read from my profile. Just shut up and do your job, and let's make this transaction quick and easy.

CIBC, by contrast, has never done that to me. Hell, beyond the Hi, how's it going, they've never tried to chat me up based on anything from my account unless it was something that could be beneficial to me (ie. a LOC increase, a beneficial change to my account, etc) which is great.

Only great thing about TD is they definitely hire hotter tellers than CIBC.

[Mr.HappySilp]

When ever RBC calls me to get me to sign up for some service I usually just say I am in the washroom atm and is not a good time. They usually won't call back for a few months at least.

[Mike Oxbig]

What if they have big tits?

They would've use their talents else where

[GLOW]

Never liked TD and never will bank with TD ever again. I had a kids savings account when I was young, I would put in money I get from Christmas etc., into the savings. One year, they started charging account fees, which made no sense to me as kid, I don't even have a job to pay for service fees. They didn't send me mail to inform me or even tell me about it when I deposit money into the account until I called them out on the spot and flipped out on them. I demanded a refund of the fees back and I was a furious child back then, took out all the money and closed the account on the spot that day lol.

funny i had a similar experience with RBC. I had a grandfathered account that had zero charges b/c i was a kid and when i moved as a teen i asked to update my account and the teller told me only way i can do that is to close the account and open a new one at their branch. new account meant i was incurring fees and when i figured it out they said too bad they can't re-open grandfathered accounts.

then when i cancelled telephone banking b/c i no longer needed it i realized it's been over a year of continually charging me fees because it was never cancelled. they could only credit me back a few months, it's all the system would allow them. for me it's RBC never again.

[Stormspirit]

went from long term TD customer to coast capital, shittier machines, but no hidden fees and this charge , that charge, that's how TD builds so many nice buildings, but once i get a bigger balance , im back to TD, they have the most & convenient locations in town.

[Ludepower]

We can say this about all banks.
Minimize your interaction with them.
At the end of the day you're responsible for your finances.

[BIC_BAWS]

General comment for the general consensus here: Are all banks ethically irresponsible then?

Sent from my BlackBerry PRIV using Tapatalk

[MrPhreak]

General comment for the general consensus here: Are all banks ethically irresponsible then?

There is nothing wrong with the bank informing people of products they offer, and really there isn't anything the bank as an entity is doing wrong.

The ethical problem is when sales reps push financial products knowing full well that are not right for the customer

[BIC_BAWS]

The ethical problem is when sales reps push financial products knowing full well that are not right for the customer

You make a very good point. It's the methods that managers suggest employees to use that bothers me. Some employees are okay with it, some are not.

I feel like one day it'll stab them in the back re: Uber employees. http://jalopnik.com/companies-are-making-ex-uber-employees-prove-theyre-not-1793047267

Open for discussion

Sent from my BlackBerry PRIV using Tapatalk

[Drow]

i've built a decently nice portfolio of clients over the years and i never try to upsell them shit. my old boss used to teach me when i was a teller to "do what's right for the customer" and i've stuck to that motto for my whole career in banking. my clients are sticky because they know I work for their best interests. i don't need to call random ppl or attempt to upsell to strangers because i make my sales targets off my portfolio + their referrals.

the people who get most upset with banks are the ones who probably don't have a relationship with an advisor of some sorts to look out for them. from my observations, the people who complain the most are usually the people who don't have money. the customers who do have money never have an issue with the bank, and if they ever did, it'd get resolved almost right away.

sorry folks but that's life. banks of course try to cater to the needs of all their clientele but because of sales quotas, the customers with money will usually get an overall better banking experience.

[BIC_BAWS]

i've built a decently nice portfolio of clients over the years and i never try to upsell them shit. my old boss used to teach me when i was a teller to "do what's right for the customer" and i've stuck to that motto for my whole career in banking. my clients are sticky because they know I work for their best interests.

Good on you man, I'm glad to hear that there are tellers/bankers who have ethics. I'm sure there's plenty more, but our media just likes to show the negatives. Then again, it's almost an (naive) expectation that banks should be ethically responsible.

Glad to hear that you're looking out for your customers

[jeedee]

Only great thing about TD is they definitely hire hotter tellers than CIBC.

yup :lol

[urrh]

the people who get most upset with banks are the ones who probably don't have a relationship with an advisor of some sorts to look out for them. from my observations, the people who complain the most are usually the people who don't have money. the customers who do have money never have an issue with the bank, and if they ever did, it'd get resolved almost right away.

sorry folks but that's life. banks of course try to cater to the needs of all their clientele but because of sales quotas, the customers with money will usually get an overall better banking experience.

that's incredibly short sighted. everyone has to start from some where.
my experience with TD mirrors Euro7r's.
i opened an account with them for my first job (which i didn't work many shifts since i was still in hs). TD kept nickle and diming me bc i didn't have enough funds in my account. eventually i got fed up, closed that account and never looked back

[godwin]

Front facing service at brick and motor banks will be replaced with technology eventually. Only people who pay outrageous fees will get to use them like concierge service. That's just the fact of life. We don't complain when Blockbusters went out of business, or gas station attendants don't pop your hood and check your oil or you need to call you cable company to subscribe to channels. It is a dying line of employment. It is sure cushy but I am not sure it is any more taxing (unless you are being robbed) vs other jobs say stocking shelves at Superstore, those people have some skills and speed.

Basically it is moving from a salaried position to a commission like position.

Everyone who has a bank account is an entry in a database and has been mined to dealth. You get the same offers when you are doing your online banking. The difference is you get real blood pumping tellers telling you the same thing, they get extra bonus if you select yes. Honestly the tellers can choose to not offer the options, you just don't get the performance bonus!

I am a TD customer mainly due to CIPF protection and I like to give my accountants headaches by having accounts at different banks. I don't find their service any better or worse than the Big 5.. their fees are average, that's to be expected in an oligopoly. I would say credit unions etc are good if you are just saving but any more sophisticated like investing.. their fees are outrageous.

In the end, banking is not as sticky as a business as it used to be, to me it sounds like the tellers are wistfully look at the days long past.

Welcome to the reality where the non doctor / lawyer "prestigious" jobs are no longer secure or well paying.. Remember Clergy, plumbing and picking up poop (dogs or old people) are the most secure.

Must be a slow news cycle for CBC.

[Tr1ll]

We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired (http://www.cbc.ca/news/canada/british-columbia/td-bank-employees-admit-to-breaking-law-1.4016569)

More bad news coming out

[h0pz]

This thread came to mind when I went to TD yesterday. I get US cheques from Ebates and every 3 months and I need to go to the teller to deposit the cheque as it is in USD and for some reason they can't accept the deposit in the machine.

I literally just want to deposit the cheque and would assume this would take 5 mins tops.

The CSR first messed up by inserting the cheque wrong into their machine and it pretty much crumbled and ripped the cheque in half. Fair enough, these things happen and I'm not gonna make a big deal out of it.

After that she finally deposits the cheque and asks me if I have any other transactions. I don't so I would assume that I can just go.

She proceeds to try and upsell me on a savings account, credit card, line of credit, and overdraft protection. When I told her I had all of these elsewhere and wasn't interested she still continued on trying to get me to open all these accounts explaining the "benefits" of having them.

What should really take 5 mins took 25. I almost expect this every time I go to the teller now unless its a person I know.

[Presto]

Waiting for report that TD went full-Wells Fargo (http://www.npr.org/2016/10/04/496508361/former-wells-fargo-employees-describe-toxic-sales-culture-even-at-hq).


We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired (http://www.cbc.ca/news/canada/british-columbia/td-bank-employees-admit-to-breaking-law-1.4016569)


And so it begins...

[MarkyMark]

Ok, so you're getting pressure from your company to make sales and you're scared you might lose your job if you don't. If you decide to do something illegal because of that isn't that still on you? Maybe you're not cut out for that kind of work then, find another career?

[Bouncing Bettys]

Ok, so you're getting pressure from your company to make sales and you're scared you might lose your job if you don't. If you decide to do something illegal because of that isn't that still on you? Maybe you're not cut out for that kind of work then, find another career?

Taking the moral high ground, quitting or whistle-blowing, aren't easy choices to make for an increasing number of people living paycheque to paycheque. Employers know this and will exploit it.

[Hehe]

Ok, so you're getting pressure from your company to make sales and you're scared you might lose your job if you don't. If you decide to do something illegal because of that isn't that still on you? Maybe you're not cut out for that kind of work then, find another career?

I think it depends on how realistic are those goals and likelihood of losing your job. If the usual acceptance is 10%... it would be very unrealistic to have it at 25%. And if TD tends to cut staff who can't make the goal... say at 60%... I find actions from employees reasonable.

Remember, in law, it's all about the source rather than the act itself. If you were to hire a hitman to kill someone, the maximum penalty lies with you rather than the hitman.

In this case, TD should be bearing the most of the responsibilities. It's basically Well's Fargo, Canadian edition.

[MarkyMark]

Taking the moral high ground, quitting or whistle-blowing, aren't easy choices to make for an increasing number of people living paycheque to paycheque. And employers know this and will exploit it.

For sure, but it's no different than lots of other jobs out there, if you don't perform you lose your job. Perhaps this is a job that didn't use to be this way, but it's headed that direction. Chances are if you're doing illegal shit to pump up your numbers your days are numbered at that job anyways and you're working on borrowed time.

The people I would feel bad for are those who are in their late 40s or 50s and suddenly the job they knew has changed and it's in jeopardy because of the new way of business.

[BIC_BAWS]

http://www.cbc.ca/news/business/banks-upselling-go-public-1.4023575

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