---------- Original message ----------
From: David Amos
Date: Mon, 13 Mar 2017 14:48:51 -0400
Subject: Perhaps Franky Boy McKenna of the TD Bank or his buddies in the SEC will explain the PDF file hereto attached and the email below to the Yankee lawyer Mr Rosen and his cohorts who I am
To: lrosen@rosenlegal.com, pkim@rosenlegal.com, kchan@rosenlegal.com, oig , oig , "Bill.Morneau" , "Frank.McKenna" , christopher montague , "deborah.alexander" , "david.allgood" , "jennifer.warren" , Solomon.Israel@cbc.ca, "harvey.cashore" , cbcinvestigates , ElenaChurikova , "natalie.clancy" , cbcnewsvancouver , rjgillis , david
Cc: David Amos , ryderm@mcmaster.ca, "dean.buzza" , "rick.hancox" , curtis

Methinks the lawyers and professors should have read my words in the
other CBC comment sections first before they spoke up EH Franky Boy
McKenna?

http://davidraymondamos3.blogspot.ca/2017/03/cbc-just-put-big-spotlight-franky-boy.html

Friday, 10 March 2017
CBC Just put a big spotlight on Franky Boy McKenna's TD Bankster buddies

http://www.cbc.ca/news/canada/british-columbia/td-tellers-desperate-to-meet-increasing-sales-goals-1.4006743

http://www.cbc.ca/news/business/td-bank-employees-admit-to-breaking-law-1.4016569

http://www.cbc.ca/news/business/td-bank-stock-pprice-1.4019822

http://www.cbc.ca/news/business/td-bank-defensive-1.4022394

TD Bank on defensive after CBC stories, stock plunge
Share price rebounds after dramatic drop last Friday
By Solomon Israel, CBC News Posted: Mar 13, 2017 11:39 AM ET

'A warning to the other major banks'

U.S-based Rosen Law Firm announced Friday that it was preparing a
class-action lawsuit on behalf of TD Bank investors who suffered
losses amid Friday's share slump.

But in the long run, any damage could be just "a blip," according to
McMaster University marketing professor Marvin Ryder.

"The reputational damage for TD is going to be relatively slight if
they can get out ahead of this," Ryder told CBC News on Friday."

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

'We are all doing it': Employees at Canada's 5 big banks speak out about pressure to dupe customers

Calls for parliamentary inquiry following Go Public investigation

By Erica Johnson, CBC News Posted: Mar 15, 2017 5:00 AM ET

1929 Comments Commenting is now closed for this story.

John Smith

The only thing that matters are quarterly results. Profits over people.

David Raymond Amos

@John Smith However it is also "The People" who own the shares. Therein lies the rub.

Glen Strathy

@David Raymond Amos The only shareholders that count are the few at the top (including the C-suite) who make the decisions, and it's their interest a corporation serves, not the average shareholder.

David Raymond Amos

@Glen Strathy Very True Much to the TD Bank's chagrin folks are Googling David Amos and Franky Boy McKenna

However McKenna, the TD Bank and Liberals are not alone in my concerns about bank fraud, tax fraud and securities fraud etc. Folks should try Googling my name and the names of all the legal counsels of all the big five banks or simply the words "Harper and Bankers"

A fun one to Google would be my name and that of another fellow Maritimer Kevin Lynch who was Harper's first pick as top bureaucrat as Clerk of the Privy Council and now Lynch is a director of the BMO and the Chinese Oil Company etc etc etc

Imagine Harper and his Bankster buddies called Maritmers defeatists years ago. Small wonder he lost every seat for the Maritimes in the 42nd Parliament N'esy Pas?

Brent Grywinski

Well, I guess we know why all the bank's profits have been rising exponentially for the last few years. I guess business ethics is a true oxymoron.

David Raymond Amos

@Brent Grywinski I often apply the word "oxymoron" to politicians, lawyers and cops as well..

Jim McIntyre

@Brent Grywinski

CBC has done a tremendous service to Canadians with this story. It seems to many citizens that the banks are untouchable.

David Raymond Amos

@Jim McIntyre Untouchable??? Perhaps you should read my lawsuit

Jack O Hill

@Ralph Ashton

"Who can forget the financial crisis in the US in 2008?

Guess how many bankers were found guilty and fined/ incarcerated? "

If anyone was to have been held responsible for that collapse, it would have to be the person that created the environment for. It would would be the one who created a law in the US which required banks to provide mortgages at below prime rate to people who actually could not afford them.

It would be Bill Clinton.

David Raymond Amos

@Jack O Hill I remember it clearly it happened not long after the FBI arrested my former friend Eliot Spitzer in Washington an the RCMP arrested me in Fredericton in an effort to shut us up Well it worked with the political lawyer but not with yours truly.

BTW I have been talking to a lot of lawyers etc about this series of articles In fact I just got off the phone with Stan Buell (Whom I called first thing this morning) but he was too busy talking to media people to bother with the likes of me

JimWBrennan

The power we have allowed large corporations and their political lackeys is astounding - we aren't just victims, we are complicit. Rather than support local producers, cooperatives, credit unions and smaller companies focused on products and solutions rather than cutesy or pied piper marketing we do as the media voices command....we might win a doughnut.
We wouldn't buy cars by weight or volume per dollar but that's exactly how we buy food. "Oh look honey, I got four tons of car for the price of just three. And the key came in a pretty box." Credit unions can't afford to spend our hard earned money on advertising so they have to resort to service and honesty to attract customers. Sad to watch employees treat people with respect just to stay in business.

David Raymond Amos

@JimWBrennan Well said sir

http://www.cbc.ca/news/business/td-sales-financial-consumer-code-1.4024588

Controversial TD tactics show need for consumer code, says advocacy group

Aggressive upselling revealed by employees called 'a bit of a grey area' under current rules

By Solomon Israel, CBC News Posted: Mar 14, 2017 4:37 PM ET

225 Comments
Commenting is now closed for this story.

Bob Kindle

What? They didn't regulate themselves? Chirsty Clark and Stephen Harper must be dumbfounded and shocked!

David Raymond Amos

@Bob Kindle Anybody but me notice that Prime Minister Trudeau "The Younger" and his minions are speechless on the topic?

Hmm lets read old news from CBC

http://www.cbc.ca/news/business/trudeau-canada-investment-summit-foreign-morneau-1.3849202

Trudeau set to woo big-money foreign, domestic investors
Creation of an infrastructure bank is a key part of the pitch to institutional investors, pension funds
The Canadian Press Posted: Nov 13, 2016 4:17 PM ET

"With a sound financial system, a vibrant and innovative economy and a proactive approach to long-term fiscal policy, we view Canada as a compelling investment opportunity," the company said.

BlackRock has some deep connections to the Trudeau government. In particular, its new senior managing director is Mark Wiseman, former head of the CPP Investment Board and a member of Morneau's advisory council on economic growth. The growth council is one of the biggest champions of the infrastructure bank."

"We are delighted to host the BlackRock summit in Toronto and we look forward to meeting with investors to discuss what our country has to offer."

The federal NDP, on the other hand, accuses the Liberals of privatizing government infrastructure on the sly, leading to stiff tolls and user fees in order to give investors a steady return. The Conservatives say the government has lost control of spending, with no clear idea about how the infrastructure bank will work."

D. Alex Ross

Caveat emptor (buyer beware) is necessary in all aspects of business, banks are no exception.

Everyone should be treated with doubt until they establish themselves as trustworthy and even then do not throw caution to the wind.

No one and nothing is beyond question.

Learn to be an informed and knowledgable consumer or risk the consequences.

There is no law that can totally protect a consumer.

Laws can only lay down the basic principles.

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David Raymond Amos

@D. Alex Ross Veritas Vincit

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David Raymond Amos

@David Raymond Amos Yo Hubby lacroix and Minister Joly Why on earth would the CBC's mindless malicious moderators block that comment?

David Raymond Amos

@David Raymond Amos I see that CBC is at it again best read my blog ASAP EH?

ArtMuler

The CBC badly needs a two tier membership for comments. Tier #1 would be people with confirmed identities who use their real names and would be allowed to comment on stories that Tire #2 members could not.

Tier #2 would be everyone who currently has a user ID to comment with, with restrictions on what stories they can comment on, we'll call them Trump story crowd.

David Raymond Amos

@ArtMuler I know who I am and so does CBC. However I am not so sure about you or your ID or the politicians you support.

https://www.youtube.com/watch?v=-cFOKT6TlSE

ArtMuler

@David Raymond Amos

I'm sure there is something clever in that hour long New Brunswick debate but I'm not willing to watch it to find out what.

David Raymond Amos

@ArtMuler Methinks I know why N'esy Pas?

Adam Smith

We don't need anymore toothless code. CRTC already have plenty to show how ineffective they are at protecting consumers. What is needed is for politicians to legislate and regulate the big banks and how they treat Canadians.

David Raymond Amos

@Adam Smith Yes but therein lies the rub. Banksters do treat certain Canadians very well those ones are the ex politicians and bureaucrats who purportedly served and protected us. Check the names on the Board of Directors of Banks etc for yourself sometime.

Adam Smith

@David Raymond Amos

R.I.P. democracy

David Raymond Amos

@Adam Smith R.I.P. Prime Minister R. B. Bennett

https://www.mises.ca/a-short-history-of-the-bank-of-canada/

http://www.cbc.ca/news/business/td-bank-defensive-1.4022394

TD Bank on defensive after CBC stories, stock plunge

Share price rebounds after dramatic drop last Friday

By Solomon Israel, CBC News Posted: Mar 13, 2017 11:39 AM ET

624 Comments
Commenting is now closed for this story.

Mick Roon

Unrealistic expectations. Inhumane demands. Corporate culture. Worldwide. Trump leadership. Financial sector is the living human hell. Need union or much more legislation to ensure health, mental health, and well-being of employees.

Scott Telfer

@Mick Roon

How about a good 'ol fashioned class action lawsuit from the employees?

Most judges like a good case of Contra proferentem...they like to smack down bullies whenever possible...

David Raymond Amos

@Scott Telfer Talk to the Yankee lawyer Laurence Rosen, Esq. he claims to have filed one

Doug Clark

@Edward (E) Merij
Im to busy going to work, driving nice cars, wearing nice clothes, eating fancy meals. What im saying is your cause is meanless in my opinion.

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David Raymond Amos

@Doug Clark Methinks Mr Merij has the right to his opinion just as you and I do. What say you?

BTW I like nice cars and need one ASAP. Do tell. Are you a Bankster or a lawyer and do you have nice cars? Or were you just joking with Edward? Trust that I love suing lawyers If you don't believe me jut ask Stevey Boy Harper or Ol Jeaney Chretien (Both now of the Dentons Law Firm) or their lawyer buddy Franky Boy McKenna now of the TD Bank if I am a liar or not.

http://davidamos.blogspot.ca/2006/05/harper-and-bankers.html

Arthur Vandalay

It's the same at every Canadian bank. Ask to speak to a "financial advisor" and you get a 23 year old who only knows about that bank's mutual funds and GICs. They will do everything they can to get you to buy their own products and they don't care if it's the right thing for you financially or not.

Wil Brown

@Arthur Vandalay

I'm sorry, the person I deal with at my bank is in her early 40's is a CFP and knows/is licensed in third party funds as well. I have funds from several companies in my portfolio including reduced commission bank funds, EdgePoint and Fidelity and she manages/advises on all of them.

I realize people like her are not the norm at my bank. I only know 3 in St. John's where I live out of all their financial planners and I believe one of them moved a year or so ago.

David Raymond Amos

@Wil Brown Has she informed you about me and Fidelity?

Wil Brown

@David Raymond Amos

What about you.

I have one Fidelity fund. A Canadian Equity Fund with US Equity exposure and it regularly outperforms the S&P/TSX Composite Index it is based on.

David Raymond Amos

@Wil Brown FYI Methinks you should sell your interest in Fidelity ASAP I am preparing to sue them in Canada. tTrust that all the bosses of the TD Bank and all the rest of the Banksters know that the mindless dudes working for Fidelity in Boston were suckered by a bunch of very crooked Yankee lawyers into selling Title Insurance on a VERY fraudulent sale of my family home in Milton Massachusetts.

If you wish to argue the Mutual Fund Industry with me please know that I am the whistleblower who caused this hearing before the US Senate Banking Committee about Putnam Investments etc.

http://www.banking.senate.gov/public/index.cfm/hearings?ID=90F8E691-9065-4F8C-A465-72722B47E7F2

Trust that Eliot Spitzer, Robert Glauber, Stephen Cutler (Now the Deputy Chair of JP Morgan & Chase) and all their Bankster buddies know why the Transcript and Webcast of a very important hearing about the investment industry went missing from the congressional record in early 2008 months before the stock markets took a nosedive.

Nobody can deny that the sub prime mortgage lender that marketed on the Internet and sold the mortgage that helped the crooks to sell our home illegally got bought out by an even bigger bunch of crooks.

David Raymond Amos

FYI I talked to professor Marvin Ryder and he seemed like a nice guy. However Laurence Rosen, Esq.and his cohorts in the Yankee law firm that wants to make the big score with a class action lawsuit were the usual snobs. I maintained my MO and made certain they all got the same email that the TD Bank and the Russians did. Nobody loves me but everybody loves their money even Russians Banksters and lawyers..

Ben Smith

Thanks CBC, all Canadians actually owned a lot of shares of TD in our CPP fund.

We'll take it out of your JT's extra tax money he gave you....

David Raymond Amos

@Ben Smith Ahh I see that somebody else finally figured out what I was pointing out to the Bankster Franky Boy McKenna and the Feds in the USA and Canada

Bob Baker

Really? "earn the trust of our customers" and if TD hadnt got caught would they still be earning the trust of theyre customer? Dont you just love these less than scincere almost apologetic statements. So to put it in plain English "we are sorry we got caught and may be we will try harder next time not to" and if they are at it how many of the other Canadian Banks are or thinking about doing it. Probably waiting to see how the "backlash" goes over this one.

David Raymond Amos

@Bob Baker Methinks the spin doctors and the damage control folks of the other Canadian Banks already have several plans in the works. I have no doubt the other Banksters will capitalize on TD's troubles and scoop their share of the market that TD loses To me it will be just another case of evil being evil even onto itself. After all we all need a bank account so they have a captive market correct?

Henry Smith

Hey congratulations CBC you have proved banks are crooked. BIG SURPRISE!!! That is why people invest in them because they make money. What you have accomplished is to drive shares down thereby losing money for every shareholder. Im a shareholder and clean houses for a living so thanks for the kick in the ass to my stocks,also for every dollar a bank loses they just increase charges and interest on loans. So thanks to you, all us working stiffs lose money and will now pay more in interest and charges.THANKS

CBC

David Raymond Amos

@Henry Smith Cry me a river

Michael Shannon

TD's a great bank. The "plunge" has already started to reverse itself. Buy.

David Raymond Amos

@Michael Shannon Dream on

Simon Kung

Bank scandals are quickly forgotten and the gouging and shady practices continue on.

David Raymond Amos

@Simon Kung Sad But True

Angela Kung

Damage control!

I wonder if that memo to all employees asking them to come forward with their concerns has gone out yet.

David Raymond Amos

@Angela Kung Methinks that memo went out just after the TD had their shills strategically placed at the water coolers and after business hour drinking holes

http://www.cbc.ca/news/business/td-bank-employees-admit-to-breaking-law-1.4016569

'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired

Hundreds of current and former employees respond to CBC report with stories of pressure to upsell customers

By Erica Johnson, CBC News Posted: Mar 10, 2017 5:00 AM ET

1717 Comments
Commenting is now closed for this story.

David Raymond Amos
Methinks CBC and their researchers within GOPUBLIC should start reviewing their emails about the TD Bank and I going back to at least 2006

http://www.cbc.ca/news/business/td-bank-stock-pprice-1.4019822

TD Bank shares post worst day since 2014 after CBC story

Bank analyst notes TD's 'Wells Fargo moment' as reaction to CBC story reverberates

CBC News Posted: Mar 10, 2017 2:50 PM ET

1101 Comments
Commenting is now closed for this story.

David Raymond Amos
Methinks folks should Google "Harper and Bankers" then say Hey to Frank McKenna of the TD Bank for me.

David Raymond Amos

@Jack Direwood FYI The TD in Sussex NB was too afraid to open a bank account for my Secretary and I as ordered by Elections Canada when I ran in the election of the 42nd Parliament in 2015, I have no doubt whatsoever it was because the Deputy Chair of the Bank was born and raised in the area.

https://www.td.com/about-tdbfg/corporate-information/executive-profiles/mckenna.jsp

Frank McKenna was appointed Deputy Chair of TD Bank Group on May 1, 2006. He is responsible for supporting the Bank in its customer acquisition strategy, particularly in the area of Wholesale and Commercial Banking.

Frank has held numerous leadership positions in both the public and private sector. For a decade (1987–1997) he was Premier of New Brunswick, having earned three consecutive majority governments, including the historic victory in 1987 of all 58 seats in the legislature. The McKenna government significantly improved the province’s standard of living and quality of life. Among its accomplishments, it balanced budgets, pioneered e-government services, attracted innovative industry clusters and improved educational outcomes. Frank also played a central role on the national stage, where among other initiatives, he became a lead advocate for the Canada-US Free Trade Agreement.

Prime Minister Martin nominated Frank as Canadian Ambassador to the United States of America in 2005

In the private sector, Frank is in wide demand as a corporate director. Currently he is the Chairman of Brookfield Asset Management and is on the board of Canadian Natural Resources. He has also been Chairman of the Board of CanWest Global and served on the Boards of Noranda, Shoppers Drug Mart and General Motors.

Lee Hall

Keep up the great work CBC. Now lets learn more about those Canadians named in the Panama Papers.

mo bennett

@Lee Hall next job, time to name all the tax dodgers and the accounting firms that represent them!

David Raymond Amos

@Lee Hall FYI There is a lot more to the tax dodge stuff thanthe Panama Papaers. CBC lightly touched upon the BIG BIG player in the recent expose of KPMG by the Fifth Estate. Remember the name Dentons?

Lets just say I have been investigating the biggest law firm in the world for years. Former PMs Chretien, Harper and legions of their cohorts are associated with Dentons. That law firm is not just the tip of the Iceberg.In fact Dentons and KPMG ARE a very malevolent Iceberg.

The TD Bankster / Bilderberger /Carlisle Group dude whom I call Franky Boy McKenna who was born and raised down the road from me knows I know it. In fact I sometimes hang my hat in the house he was born in and use that address for my lawsuits.

Please enjoy an 11 year rant of mine It can be read at least two ways from the Internet All you have to do is Google 3 words to see the links my words found below.

Harper and Bankers

http://davidamos.blogspot.ca/2006/05/harper-and-bankers.html

https://www.scribd.com/doc/2619653/harper-and-bankers

I know CBC did so.

Just Dave
By Location Visit Detail
Visit 24,420
Domain Name (Unknown)
IP Address 159.33.175.# (Canadian Broadcasting Corporation)
ISP Canadian Broadcasting Corporation
Location
Continent : North America
Country : Canada (Facts)
State/Region : British Columbia
City : White Rock

.David Raymond Amos

@Lee Hall Interesting that the comment section is still open after the bell tolled 24 hours N'esy Pas Hubby Lacroix?

David Raymond Amos

@David Raymond Amos I stand corrected that was the time this article was updated. Looks like there is about two hours to go before the TD damage control people and spin doctors can quit reading all the indignation towards their paymasters within this article N'esy Pas?

I STOOD CORRECTED THE ARTICLE WAS UPDATED TODAY AT 930 OR SO I HAVE TIL NEARLY 4 PM MY TIME HENCE I HAVE BEGUN TO MAKE LOTS OF COMMENTS AND THE CBC MODERATORS CONTINUE TO BLOCK ONLY THE COMMENTS THAT POINT TO THEIR OBVIOUS MALICE TOWARDS ME

SO MUCH FOR CBC'S ETHICS EH?

Jennifer McIsaac

I have no sympathy for TD and its executives if any of this is true. What a nasty place to work if it is true.

David Raymond Amos

@Jennifer McIsaac I repeat folks who read and listen to CBC realy Google "Harper and Bankers" find Frank McKenna's name The say Hey to him and his cohorts for me. Obviously the TD dudes found it

Just Dave
By Location Visit Detail
Visit 24,42
Domain Name tdbank.ca ? (Canada)
IP Address 142.205.241.# (Toronto Dominion Bank)
ISP Toronto Dominion Bank
Location
Continent : North America
Country : Canada (Facts)
State/Region : Ontario
City : Toronto

Yugo Ivanovich

@David Raymond Amos
Do you know what do you want to say?
Please read what you wrote and tell us if you, yourself understand?

David Raymond Amos

@Yugo Ivanovich I am a whistleblower about bank fraud, tax fraud and securities fraud who sued US Treasury Agents et al in 2002. The I was falsely imprisoned in the USA in 2004 after I ran in the Election of the 38th Parliament when Frank McKenna was a director of the BMO. When he was our Ambassador to the USA Frank McKenna just laughed at my troubles with his crooked Yankee buddies. Well he ain't laughing now because I have an ongoing lawsuit in Federal Court since I ran in the election of the 42nd Parliament. Get it yet?

BTW Its Docket # T-1557-15 If you want to argue feel free to intervene.

Thomas Perry

@David Raymond Amos

Best of Luck against the crooked system David!

THE WHOLE BANKING SYSTEM IS NOW FRAUD.

The bank cartel creates "our" currency out of thin air in violation of the law. No gold. No precious metals. NOTHING.

The Bank of Canada has been overrun by the BIS and succeeded its legal obligation to produce our fiat currency.

David Raymond Amos

@Thomas Perry Thank You Sir (Spelling corrected)

BTW Did you notice that CBC denied I ran for public office FIFTH time?

http://www.cbc.ca/news/canada/new-brunswick/fundy-royal-riding-profile-1.3274276

However I certainly did.

https://www.youtube.com/watch?v=-cFOKT6TlSE

While suing the CROWN Enjoy

http://cas-cdc-www02.cas-satj.gc.ca/IndexingQueries/infp_RE_info_e.php?court_no=T-1557-15&select_court=T

David Raymond Amos
@Thomas Perry I meant to write Thank You Sir but I am tired an off to bed BTW I created a blog about this news article

http://davidraymondamos3.blogspot.ca/2017/03/cbc-just-put-big-spotlight-franky-boy.html

Here is the text of the memorandum I just filed within my lawsuit. It has some minor mistakes in grammar as well but its hard to proof read ones own words.

http://davidraymondamos3.blogspot.ca/2017/03/memorandum-of-fact-and-law-of.html

Here is the text of the lawsuit If nothing else Everybody should at least read paragraph 83 then ask Justin Trudeau some very serious questions ASAP

http://davidraymondamos3.blogspot.ca/2015/09/v-behaviorurldefaultvmlo.html

Yugo Ivanovich

@Rick wilson
Did you read the article and watched the program with a comment like this? Looks like not.

David Raymond Amos

@Yugo Ivanovich Are you a Troll

david lawlor
FYI: This is all 5 major Canadian banks.
Having so much involvement in what is proposed to be the largest wealth re-distribution in the history of economics,CO2 =$ transfers,the CBC is hardly in a position to criticise banks.

The CBC openly supports cap & trade schemes and globalisation schemes run by the IMF,World Bank & Goldman Sachs.,do you really believe these monetary giants wrought with corruption are doing this for the environment?

Stop reading if your unaware of Goldman's involvement in the 2008 financial crises,does anyone remember the earlier 2008 rice price crises?The green madness of using arable land to grow a substandard fuel (ethanol) that still continues today.

Malcolm Alexander

@david lawlor
Oh My!
A trader of fake news.
What took you so long?
CBC reports, you support and have an opinion of your own (I hope it is your own).
Too bad it doesn't take in all 6 corners of the cube you live in.

William MacKenzie

@david lawlor Your rant esapes me. Rethink what you're trying to say and specify how the CBC has anything to do with "weath re-distribution." As far as I can tell, "weath re-distribution" is the entire point of capitalist societies like ours.

David Raymond Amos

@david lawlor Trust that CBC and Goldman and Sachs et al are worried about yours truly too

Just Dave
By Location Visit Detail
Visit 24,329
Domain Name ms.com ? (Commercial)
IP Address 205.228.82.# (Morgan Stanley Group)
ISP Verizon Business
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Country : United Kingdom (Facts)
State/Region : London, City of
City : London

david lawlor

@David Raymond Amos
Truth is drowned in a sea of irrelevance,nothing here that isn't obvious and easy to see.

david lawlor

@Malcolm Alexander
The Russians must of brainwashed me.

David Raymond Amos

@david lawlor What you stated is correct. Perhaps you should Google "Harper and Bankers" to see a letter of mine from 2006 after I ran in the election of the 39th Parliament. I have lawsuit about this stuff in Federal Court right now.

BTW I posted your words within a blog I just created about this article

Will Knot

Kudos to the whistleblowers who risked their jobs in order to expose this unsavoury practice. We need more people like them across all industries. A fine example of how a small number of people can make a huge difference.

James Smith

@Will Knot I agree, but really though...Canadians do not have the ability to care or follow through with their outrage to make any difference. It will be business as usual in no time. RBC for example, firing Canadians to hire TFWs...merely a blip in business as usual.

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David Raymond Amos

@Will Knot My My Don't you have an interesting name?

Do ya think the CBC moderators vetted you properly like they did with me when the Crown Corp came up with new rules about posting opinions within its domain that is funded by our fellow taxpayers?

I know for a fact that the Governor General's daughter Alex Johnson was the lawyer CBC hired to oversee the moderators etc sent me an email compelling me to register with CBC all over again in my true name for reasons I will never understand. Hubby lacroix and all his fellow lawyers and journalists employed by the Crown Corp have yet to answer one email or letter from me since 2002. However their boss the Current Minister of Heritage the lawyer Ms Joly certainly did. Yet to this very day I see lots of IDs I truly doubt belong to real people who are allowed to libel real people with abandon and CBC publishes their words.

Go Figure why I should be pissed off particularly when CBC has blocked so many of my comments for political reasons rather than ethical or legal reasons.

David Raymond Amos

@James Smith Sad to say I agree with you as well.

"Canadians do not have the ability to care or follow through with their outrage to make any difference"

I have a little tale to tell about a whistleblower (Namely mean old me). My question is will you care to read it and then what will you do? (That is if CBC even allows my comment to be posted in response to your statement)

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David Raymond Amos

@David Raymond Amos Whereas the CBC moderators are blocking me again I should inform them that they will find this comment posted within my blog about this article and it will be forwarded to your bosses after this comment section closes as per my MO

David Raymond Amos

@Will Knot In answer to you Kudus to whistelblowers. In my humble opinion a true whistleblower has a real name and a face to go along with it. Names such as "WIll Knot" Will Not Do to for any Fed or other law enforcement agency. I know that for a fact because I have lived it

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David Raymond Amos

@David Raymond Amos Methinks CBC should review page 14 of this old pdf file that is readily available byway of a link on my profile of my Twitter account.

http://www.checktheevidence.com/pdf/2526023-DAMOSIntegrity-yea-right.-txt.pdf

Perhaps CBC should have their many lawyers and their friends in the RCMP find the documents I sent to CBC in Toronto in July of 2002? Everybody knows the documents were exactly the same ones I sent to the US State Department byway of their Ambassador in Ottawa at exactly the same point in time. The courier was tracked and a signature was required. Correct?

Furthermore the political lawyer and former Ambassador and now TD Bankster Franky Boy McKenna should review pages 15 - 27 and all the documents he received from me and have his lawyer contact me ASAP EH?.

Methinks the critics of CBC may enjoy my latest Tweets N'esy Pas Hubby Lacroix and Minister Melanie Joly?

https://twitter.com/DavidRayAmos/with_replies

David Raymond Amos

@Will Knot Methinks CBC created their own mystery the instant they began to block my comment to one of their Trolls. So as the comment sections closes I will disclose what everybody "In the know" knows anyway

If Folks were to Google the following words they would find many links to old blogs that are definitely not mine (The QSLS are bureaucrats who support the NDP and CBC) However those are my words and documents published within their blogs. Need I say that the dudes who thought they understood politics and whistleblowers regretted attacking me years 9 years ago?

The words are

David Amos Bank Fraud

A few of the links are as follows:

http://qslspolitics.blogspot.ca/2008/06/5-years-waiting-on-bank-fraud-payout.html

http://qslspolitics.blogspot.ca/2009/03/david-amos-to-wendy-olsen-on.html

http://thedavidamosrant.blogspot.ca/2013/01/re-cbc-says-banks-misleading-on-mutual.html

David Raymond Amos

@David Raymond Amos In closely please allow me to inform CBC of something they quite likely do not know. If they were to finally study the documents of mine that the QSLS dude published here they would see that I have been a whistleblower against Banksters for quite some time. The bank that the Form 211 is about was audited by KPMG after I scared the hell out of the SEC and Grant Thornton byway of my lawsuits against the IRS and the US Treasury Agents in the USA.

http://qslspolitics.blogspot.ca/2008/06/5-years-waiting-on-bank-fraud-payout.html

David Raymond Amos

@David Raymond Amos More importantly no Fed will ever tell you that the IRS does not work for the US government. The in fact work for the Federal Reserve Bank and came into existance at the same point in time. The IRS are based offshore in Puerto Rico and the proof of the pudding is they have to pay US postage and all the Yankee Feds do not. Although the IRS are associated with the USDOJ and that the US Treasury Dept they falsely claim to be "untouchable" just like the RCMP. Yea Right tell that to Her Majesty the Queen. The lady I am suing right now in Federal Court

Harry Haller

I sold my stock in TD four days ago.
TD started to really go wrong with all the branch closures a few years ago. They closed 2 branches in my town and built a new one where it was almost impossible to access without a car. They did the same thing in smaller centres all across Ontario.

David Raymond Amos

@Harry Haller Looks to me that you sold your stock a the nick of time

JoanneCartier

@Harry Haller TD has been wrong for a long time, at least our local one. When our son was a teenager, which is 15-20 years ago, he had a small savings account at TD, about $200. One day he went to buy something he'd saved a long time for and his debit card said he didn't have the money. Off to the bank we went and a rather rude young lady checked the account and said there was only a few $ in it. I said you must be wrong, I know there was $200 in it and asked for the manager. I was told the manager was out and there was nothing they could do. Home we went, where my son looked for his last deposit receipt. Fortunately we found it, but how many teenagers keep things like that. We went back to the bank, got a different teller, showed her the receipt and asked to withdraw all the money and close the account. Then she wanted to know why so I told her. She didn't say too much, gave my son the cash and we left. No explanation as to where the $200 might have gone before. $200 might not seem like much but this was birthday money and money earned doing odd jobs. The attitude of the bank was horrible and would have probably been worse if I wasn't there

David Raymond Amos

@JoanneCartier Imagine if the shoe had been on the other foot I bet the rude teller would have wanted the bank audited

Jim Lamarche

All the banks need to take the hit for high pressure sales tactics, not just TD. They make hundreds of millions of dollars each every year exploiting people who need them in order to fit into normal society and they take advantage of that need. Big banks need more rigorous regulations.

David Raymond Amos

@Jim Lamarche You are oh so correct sir

Mike Johnson

You think TD is the only one guilty of these tactics?

David Raymond Amos

@Mike Johnson NOPE

Gia Adams

Good for you, CBC. I hope you win an award for this story. Investigative reporting at its finest.

David Raymond Amos

@Gia Adams Trust that I have a different take on this. Methinks CBC needs to learn how to tell the whole awful truth of it all

Mike Di-Lauro

Greed, pure and simple. Making lots but gotta make more. Thank you CBC for breaking this story and exposing them for what they are in their ivory towers!

David Raymond Amos

@Mike Di-Lauro I do thank them for that but CBC needs to tell all that it has known to be irrefutably true since 2002

Van Collins

Use a Credit Union and a Mortgage Broker when you need too.

These big banks rely on peoples financial ignorance and misplaced loyalty to turn profit.

David Raymond Amos

@Van Collins I agree

Bob Baker

Ohh dear I suppose coercing your employees to be "economical with the truth" when "upselling" financial products wasnt a very good Business model. Dont worry though the CEO will still get a big fat Bonus and renumeration package despite the fact they probably mislead thier customers in to poor financial decisions.

David Raymond Amos

@Bob Baker Don't forget his Deupty and silver tongued devil of a mouthpiece Franky Boy McKenna gets to cash in bigtime too.

Lilian Brantley

I have worked for TD for 10 years in their credit card call centre and believe me.....everything the tellers have come forward and said is true.
Every single month I am threatened with the possibility of losing my job because my sales are not meeting the unrealistic goals.
For a fact, I know employees who do this every single day who sit next to me. I can hear them talking to the customer that obviously has declined whatever offer they made but when they hang up....it still is put on their credit card.
These dishonest employees are rewarded with bonuses and trips and undeserved promotions. Yes, I have reported these unethical practices to various levels of management and even the ombudsman numerous times. The result? I am the one who gets reprimanded for not being a team player and told that I should look for another job.
To those of you who think the tellers are lying and should be identified and fired....shame on you. Obviously you have never been in that position. It is scary as hell.
TD's upper management and share holders do not give a damn about its customers....they just want they can get out of them....namely money. This has been a long time coming and I am thankful to the "whistleblowers" and to CBC for making this known.

David Raymond Amos

@Lilian Brantley Good for you Keep on telling it like it is with your real name. We need more Canadians like you to speak up ASAP.

Brad Elen

I've banked with TD for a number of years now, and I've really noticed a downturn the last 24-30 months. Cost cutting of good people, tightening of policies to try to squeeze more out of me. Even agreements I've had in place for a number of years (written and signed documents) are being challenged in an attempt to charge more. I do a lot of business with the bank, and it's shooting itself in the foot. Gonna loose my business if the deterioration continues.

David Raymond Amos
@Brad Elen I heard a an interesting story last week about the RBC before this story broke about the TD. An assistant manager of RBC went to the the home of a wealthy elderly foreign citizen and tried to get him to invest in their RRSP. The old man is in his late eighties what good would such things do him now? Methinks the RBC just wanted to make a score on its fees etc.

Well the old man may have been old but he still had the intelligence that had caused he to become wealthy in the first place. The old man got pissed told off the young Bankster and ran him off his property. Now that he has returned to Europe for a while, the RBC will not pay his lawyer etc from his very big bank account in Canada like they had agreed to before he left his home in Canada to return overseas for a while. Methinks that was rather petty and very vindictive don't you? Trust that I can't wait to see what happens next when the old man returns shortly.

Jack Hill

Record profits, massive CEO bonuses, disgruntled employees, and greed.

Sounds like a perfect situation for a crash.

David Raymond Amos

@Jack Hill Its coming. Bet on it and sell sell sell.

Jim McIntyre

The big five banks are all making record breaking stock profits every three months.
These bank profits are forced into everyone's pensions. We're all invested into our own exploitation. The banks and their lobbyists have assured this.

Jordanballs

@Jim McIntyre Then you can short the percentage of bank stocks your pension owns, if you are so against it. Don't be so lazy.

Brenda Estile

@Jordanballs
How do you short company run pension plans? You either sign onto the plan or you don't.

Jim McIntyre

@Brenda Estile

How do you stop governments from taking your labour power, and using that capital to undermine your social economic prospects in forced pension plan schemes? For our own benefit they say....

David Raymond Amos

@Jim McIntyre I second your remark

Thomas Wells

I suspect TD isn't the only bank doing this type of pushing of product. It's simple. They got caught by the CBC! No surprise here.

David Raymond Amos

@Thomas Wells Methinks TD, their shareholders and the Directors of the Bank are rather surprised. Don't you?

John Pearson

I don't believe that this is a TD Bank only issue .. Last summer I went to my local Bank of Montreal to simply get a new debit card as mine was not working properly. As I was signing everything, I noticed some wording that seemed strange, so I questioned the bank teller as to what was up. He reacted very odd and almost confused and wouldn't answer my questions. I actually had to speak to a manager to finally discover that he had actually signed me up for another product that I had not even heard of!! Interestingly, the product, once explained to me was something that I was ultimately interested in, but I explained that did not excuse the teller for signing me up for it without even asking, etc. I can only wonder having read this article whether it was something that they do to get a quota of things signed up for .. without having to actually talk to a customer about whether they want it and risk a "no"! Seems to me there should be some serious investigating how many people have products they never asked for (or even know they have!!)

Steve Johns

@John Pearson Seems like he just knew what you wanted better than you knew yourself.

David Raymond Amos

@Steve Johns Methinks thou doth jest too much N'esy Pas?

Abigail Bryson

I had a bad experience with TD long ago. When my major union was anticipating a strike, I coincidentally was at my TD branch, paying off a small loan. A 'rep' asked me to her desk, where she talked me into applying for a new loan to 'tide me over' the strike. I didn't need or ask for such 'help', but she was pleasant and persuasive. When I later called to confirm approval, the Branch Manager got on the line and said in a cold (almost hostile) tone "We don't lend to strikers!" I had a good job, and always had, an excellent credit rating. Offended, I closed my TD savings account and have had nothing to do with them since.

Cindy Novak

@Abigail Bryson I don't believe that story one bit

Abigail Bryson

@Cindy Novak
Cindy, I don't need you to believe it. You weren't there! I was, and it happened exactly as described. It's no secret, by the way, that the major banks are anti-union.

David Raymond Amos

@Abigail Bryson WOW

Andy Doung

I expect the CEO to get a very big increase in his compensation package, he was just doing what is and was expected of him

David Raymond Amos

@Andy Doung Expected by whom? I don't think it was the shareholders who just lost everything they gained since 2008 do you?

Jason DeBack

consequences

Lee Hall

@Jason DeBack<-- after="" attention="" bad="" be="" behave="" br="" consequences="" dies="" down="" exactly="" likely="" lived.="" media="" only="" same.="" short="" td="" the="" too="" will=""><-- after="" attention="" bad="" be="" behave="" br="" consequences="" dies="" down="" exactly="" likely="" lived.="" media="" only="" same.="" short="" td="" the="" too="" will=""> Too bad the consequences will only be short lived. After the media attention dies down, TD will likely behave exactly the same.

Intensely focused on profits for executives and shareholders.

Edward Grayburn

@Jason DeBack ....there will be NONE, the Liberals do not have the guts to do anything and the TD Bank knows it. This is a blip on the radar and the TD will be back at it Monday morning, back to screwing over the customer, back to forcing employees to commit fraud, and screw the customer.

Penny Catt

@Lee Hall
My wife who works at TD says they are in panic mode and trying to get the whistleblowers...I hope they are able to maintain their anonymity.

Dave Davidson

@Lee Hall

Lol. They just had gains thus far this year wiped out. They are paying attention. Guaranteed. So are the rest.

On this I commend the CBC. Now if the love affair with the Leafs could be put to rest. It's like that abused spouse that refuses to leave and continues to end up in the hospital.

But he/she will change.......I just know it

Jason DeBack

@Edward Grayburn I agree

David Raymond Amos

@Edward Grayburn Sad to say I kinda sorta agree with you. However I truly hope it ain't so come Monday.

Kim Moore

Since shareholders and not their customers, seems to be TD main concern perhaps this is good news. The constant greed driven antics of companies needs to be reigned in. No one is denying that companies need to make a profit. But the constant need to have larger and larger profits each year is not sustainable. It is sad how driven we were by money.

Bud Tugley

@Kim Moore - It's easy to blame shareholders, but who are they? Most have this idea that shareholders are 1%ers, but if your portfolio includes a managed fund, you could be one of those shareholders. Do you want your fund to increase or decrease?

It is complicated. The constant need to have larger and larger profits each year is often fueled by the very people who rail against it.

Food for thought.

David Raymond Amos

@Kim Moore Very Well Said.

Very Well Said.

David Raymond Amos

@Bud Tugley I disagree take our CPP for instance It invests in the Banksters with no input from us whatsoever. The government took our money straight from our pay cheques and the employers ( I was one of those folks) were compelled to contribute to it as well. Then the Liberals scooped the lion's share of our CPP funds and UI money as well in order to paid down a budget deficit they had created in the first place. The they appointed a very sneaky bunch of insiders to oversee and invest with their Bankster buddies what remained of OUR hard earned money, Go Figure why I'm pissed off

Don Craik

On February 3rd President Trump rescinded a long list of bank regulations that protected the public from unethical practices. TD now operates in the U.S. as well as Canada. It seems as though TD along with its American competitors would now be having a shark fest with the open season on unsuspecting customers. For the sake of human decency lets not let those games happen in Canada.

David Raymond Amos

@Don Craik Hurray to you sir for pointing that out. However I hope you know that Canada is a corporation that reports to the Yankee SEC.

All the Province and Towns etc do too. Hell even the old stomping grounds of Brad Wall and Ralph Goodale and old Louis Riel the very righteous dude who saved Canada from greedy Yankees and Canadian Banksters making a sneaky deal long ago. The same place the RCMP hunted Louis down and hung him for something he did not do N'esy Pas?

http://www.finance.gov.sk.ca/18k/2012AnnualReportForm18K.pdf

If you don't believe me please read the first statement of my lawsuit that I filed in Federal Court while running in the election of the 42nd Parliament then Trudeau "The Younger" try to argue me in person in front of an audience of Proud Canadian citizens.

Cyril Hurd

Congratulations TD. You earned it.

David Raymond Amos

@Cyril Hurd Bigtime

Jackie Conrad

Don't be naive all the banks are doing this. I know employees at BMO. CIBC, Scotia, RBC each of them have unrealistic goals they need to meet. It doesn't matter how beautiful the executives of these organizations make it ...... manure is still manure and this reeks.... it is the executives that should be ashamed of the banking culture they have created.

David Raymond Amos

@Jackie Conrad Methinks our government should be ashamed of supporting the Bankster's wicked game since 1974

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

'We are all doing it': Employees at Canada's 5 big banks speak out about pressure to dupe customers

Calls for parliamentary inquiry following Go Public investigation

By Erica Johnson, CBC News Posted: Mar 15, 2017 5:00 AM ET

Employees from each of Canada's five major banks say sales pressures are forcing them to use what they consider unethical practices on customers. (Dillon Hodgin/CBC)

Employees from all five of Canada's big banks have flooded Go Public with stories of how they feel pressured to upsell, trick and even lie to customers to meet unrealistic sales targets and keep their jobs.

The deluge is fuelling multiple calls for a parliamentary inquiry, even as the banks claim they're acting in customers' best interests.

In nearly 1,000 emails, employees from RBC, BMO, CIBC, TD and Scotiabank locations across Canada describe the pressures to hit targets that are monitored weekly, daily and in some cases hourly.

"Management is down your throat all the time," said a Scotiabank financial adviser. "They want you to hit your numbers and it doesn't matter how."

Been wronged? Contact Erica and the Go Public team

CBC has agreed to protect their identities because the workers are concerned about current and future employment.

An RBC teller from Thunder Bay, Ont., said even when customers don't need or want anything, "we need to upgrade their Visa card, increase their Visa limits or get them to open up a credit line."

"It's not what's important to our clients anymore," she said. "The bank wants more and more money. And it's leading everyone into debt."

A CIBC teller said, "I am expected to aggressively sell products, especially Visa. Hit those targets, who cares if it's hurting customers."

Former BMO employee speaks out

A financial planner who left BMO in Calgary two months ago said he quit after having a full-blown panic attack in his branch manager's office as she threatened to stifle his banking career because he hadn't met sales targets.

"It was like the only thing they cared about at BMO," he said. "If you weren't selling, you weren't worth having around."

This former BMO financial planner says his manager told him to lie to customers to improve sales revenue. (Colin Hall/CBC)

He claims his manager once told him not to tell clients who wanted to invest more than $40,000 that the markets were down, because putting their money into GICs wouldn't earn the branch as much sales revenue.

He said she also told him to attach high interest rates on mortgages and lines of credit and to not tell clients those interest rates are negotiable.

He said he was "pressured to lie and cheat customers," but refused to do it.

More than 1,000 emails

The revelations about other banks came pouring in after Go Public revealed last week that front-line staff at TD were under pressure to sell customers products and services they may not need and that some employees were breaking the law to hit their sales revenue targets.

Those stories, experts say, prompted the largest drop in TD Bank shares since the financial market downturn of 2009.

'We are straight up told to tell false stories (lie) to sell products.' - TD insurance broker wrote in an email

They also resulted in hundreds more emails from TD workers past and present, including a teller who recently stopped working in Bramalea, Ont., who said the requirement to meet ever-increasing goals was so unprofessional, "I thought this was not a bank but a flea market."

He admits to acting unethically because he says he feared being fired.

"I bumped up credit cards, overdraft or account types just because of the pressures."

A TD insurance broker in Barrie, Ont., wrote, "We are straight up told to tell false stories (lie) to sell products."

And an RBC financial adviser told Go Public, "We are all doing it."

'Shaming' and 'bullying'

Many bank employees described pressure tactics used by managers to try to increase sales.

An RBC certified financial planner in Guelph, Ont., said she's been threatened with pay cuts and losing her job if she doesn't upsell enough customers.

"Managers belittle you," she said. "We get weekly emails that highlight in red the people who are not hitting those sales targets. It's bullying."

Some TD Bank employees told CBC's Go Public they felt they had to break the law to keep their jobs. (Aaron Harris/Reuters)

Employees at several RBC branches in Calgary said there are white boards posted in the staff room that list which financial advisers are meeting their sales targets and which advisers are coming up short.

Similar white board results are reported at Scotiabank branches in Toronto.

"The entire team can see who is keeping them down. It's shaming," said a Scotiabank financial adviser who told Go Public she's taking early retirement "because this environment is not for me."

Stressed out

Some of the big five bank employees said they're so stressed by expectations to hit sales targets, they're on medical leave. Others said they had to quit.

They wrote about their jobs causing "insomnia," "nausea," "anxiety" and "depression."

'I went into a full-blown panic attack.' -former CIBC small business associate

A CIBC small business associate who quit in January after nine years on the job said her district branch manager wasn't pleased with her sales results when she was pregnant.

"She came into my office and decided to harass me. I went into a full-blown panic attack."

She said the worst part of her job was having young families in her office who agreed to re-mortgage their homes because of debt.

"We told them we were helping them, but essentially we were extending more credit so the vicious cycle would ... continue and we, in turn, would make a sale," she said.

While working in Waterloo, Ont., she says her manager also instructed staff to tell all new international students looking to open a chequing account that they had to open a "student package," which also included a savings account, credit card and overdraft.

"That is unfair and not the law, but we were told to do it for all of them."

Big banks decline interview requests

Go Public requested interviews with the CEOs of the five big banks — BMO, CIBC, RBC, Scotiabank and TD — but all declined.

Instead, they sent statements, essentially saying the banks act in the best interest of their clients, and that employees are expected to follow codes of conduct.

Read statements from Canada's five major banks

The statements did not address employees' concerns about high-pressure sales tactics.

Calls for parliamentary inquiry

NDP finance critic Alexandre Boulerice is now calling for a parliamentary inquiry into the sales practices of Canada's banks.

"We expect banks to be honest with their clients ... and now we are learning that those employees are under considerable pressure to sell, sell, sell to boost profits of the banks," he said. "This is so greedy. It is not acceptable."

Federal NDP finance critic Alexandre Boulerice wants a parliamentary inquiry. (CBC)

Stan Buell, founder of the Small Investor Protection Association, agrees it's time for the federal government to take action.

"We've got a culture that exists on greed, lying and deceiving people, and it's not going to end soon," he said.
"This is why the only solution really is to have government step in and look after the Canadian people.

Because I feel the Canadian people deserve better than to serve as grist for the mill of these great financial organizations."

Stan Buell from the Small Investor Protection Association says the government needs to step in. (CBC)

A spokesperson for Finance Minister Bill Morneau said the minister wasn't available for an interview, but sent a statement that says Morneau "expects all financial institutions in Canada to adhere to the highest standards when it comes to their consumer protection obligations."

Shareholders concerned

TD shareholder Allan Best says he's concerned about more than the bank's bottom line after last week's stock dip, telling Go Public, "It is my position that employees are our most important asset and we have to do all we can to keep them in good mental and physical condition."

The emails Go Public received from bank employees suggest not only have the sales targets increased dramatically in recent years, so has the pressure to meet them.

"I want the world to know how much pressure we are all under on a daily basis," wrote an RBC teller in Ontario.

"We hit our target and the next week, they up them again. It's out of control."

http://www.cbc.ca/news/business/td-sales-financial-consumer-code-1.4024588

Controversial TD tactics show need for consumer code, says advocacy group

Aggressive upselling revealed by employees called 'a bit of a grey area' under current rules

By Solomon Israel, CBC News Posted: Mar 14, 2017 4:37 PM ET

The Public Interest Advocacy Centre is renewing its calls for a financial consumer code in light of a CBC investigation that revealed questionable sales practices at TD Bank. (Chris Wattie/Reuters)

Controversial sales practices at TD Bank, revealed by CBC's Go Public team, underscore the need for a financial consumer code in Canada, says a consumer interest group.

Public Interest Advocacy Centre research analyst Jonathan Bishop said the practices uncovered by Go Public "present a bit of a grey area" that might not be covered by existing financial regulators.

Those practices, described to CBC News by current and former TD workers, included aggressively upselling customers on unneeded financial products, neglecting to disclose fees for products, and even signing customers up for products without their knowledge. Some tellers said they felt forced into those practices for fear of missing sales goals.

"We think that the proposed financial consumer code will provide a clear set of rules of the road, rules of engagement, between the banks and consumers," Bishop told CBC News. The code should be enforced by an independent arbitrator, he said.

"Banks will have the opportunity to present evidence to an arbitrator about what they've done, and their tactics, as well as consumers have the opportunity to present their concerns and their views."

Financial agency investigates

The Financial Consumer Agency of Canada, which enforces consumer protection regulations, said it has launched its own probe in light of CBC's stories.

'It is boring, it is time-consuming, and it is complex, but you need to audit your statements.' — Bruce Sellery, personal finance expert

"FCAC is concerned about and is investigating allegations about financial institutions signing consumers up for products or services without providing all the required information," wrote spokesman Michael Toope in an email to CBC News.

But Bishop said the FCAC's approach to enforcement can be somewhat opaque, and a financial consumer code could improve public confidence.

"We think that there is an opportunity here for more clear and direct rules that would be applicable to both banks and consumers that use them," said Bishop.

PIAC has called for a financial consumer code before, and submitted a consultation paper on the topic to the Ministry of Finance in 2014. A financial consumer code was proposed in the 2013 federal budget, but still does not exist.

How to protect yourself

Even without a financial consumers code, bank customers can protect themselves from paying for unwanted financial products.

"It is boring, it is time-consuming, and it is complex, but you need to audit your statements," said personal finance expert Bruce Sellery.

Personal finance expert Bruce Sellery says bank customers should never feel ashamed of calling their bank and asking questions about their monthly statements. (CBC)

"Print off a couple of months of them and go through them line by line. Remember, you're the customer — you're the customer here — so there are literally no dumb questions," he said.

"Pick up your phone and dial your institution's 1-800 number, and get an answer to every question you have."

Sellery also pointed out that consumers often find it hard to say no to a bank teller's sales pitch for financial products.

"Take the information with you — but decline. Have that be your first instinct," he said.

TD Bank on defensive after CBC stories, stock plunge

PIAC's Bishop agreed consumers should keep an eye on their bank statements, and added that unhappy customers should report issues to their bank's ombudsman.

"Or go to the FCAC, explain the concern, because without explaining the concerns, those organizations can't act on those concerns," said Bishop.

"And if you're really convinced that a financial consumer code might generate greater consumer confidence, tell your member of Parliament that you'd like this to be entertained."

With files from Jacqueline Hansen and Robert Parker

http://www.cbc.ca/news/business/td-bank-defensive-1.4022394

TD Bank on defensive after CBC stories, stock plunge

Share price rebounds after dramatic drop last Friday

By Solomon Israel, CBC News Posted: Mar 13, 2017 11:39 AM ET

Reporting by CBC's Go Public team revealed how some TD Bank employees felt they had to break the law to keep their jobs. (Aaron Harris/Reuters)

TD Bank says it is reviewing "all of the concerns raised" by recent CBC News stories that revealed unscrupulous sales tactics by front-line bank employees.

"TD is in the trust business. We know we must earn our customers' trust before we earn their business," said TD CEO Bharat Masrani in a release issued late Sunday.

The bank is on the defensive after two reports from CBC's Go Public team last week.

In the first, three TD employees spoke out about feeling "incredible pressure" to meet "unrealistic" sales targets by signing customers up for unnecessary financial products.

After that story, hundreds of current and former TD employees wrote to Go Public to share their experiences. The second story described how some of those employees felt they had to break the law to meet sales targets and keep their jobs. Some TD workers said the stressful work environment led to psychological problems like anxiety and depression.

'A few hundred' complaints

TD said the bank has "procedures in place designed to monitor sales practices and to detect issues should they arise," including a system for tracking customer complaints.

"For the twelve month period ended January 31, 2017, of the many interactions with our millions of Canadian personal banking customers, we received only a few hundred such complaints related to sales practices compliance. These were investigated and handled in accordance with our procedures," said the press release.

"We take the feedback we have received in this area very seriously. We will review all of the concerns raised and we are committed to doing the right thing."

TD Bank employees may have broken law2:28

Stock analysts downgrade TD Bank

TD's Canadian share price rebounded by about 1.6 per cent as of 1 p.m ET Monday. TD shares suffered their worst day since 2009 on Friday, closing down more than 5.5 per cent.

Stock analysts with National Bank, RBC Capital Markets and Eight Capital have downgraded their outlook for TD's performance, citing possible repercussions from CBC's coverage.

"While this story is still unfolding, the inevitable comparison is to the situation faced by Wells Fargo," wrote National Bank Financial analyst Gabriel Dechaine in a note to clients on Sunday.

Wells Fargo was fined $185 million US and fired thousands of employees after it was revealed that the bank was creating millions of fake accounts on behalf of unsuspecting customers.

The comparison between TD and Wells Fargo is "a stretch," wrote BMO Capital markets stock analyst Sohrab Movahedi in a note to clients on Monday.

"We are inclined to put this situation in the 'concerned but not panicked' category for now," wrote Movahedi. "The market's rush to judgment, while understandable, may have been an over-reaction."

'A warning to the other major banks'

U.S-based Rosen Law Firm announced Friday that it was preparing a class-action lawsuit on behalf of TD Bank investors who suffered losses amid Friday's share slump.

But in the long run, any damage could be just "a blip," according to McMaster University marketing professor Marvin Ryder.

"The reputational damage for TD is going to be relatively slight if they can get out ahead of this," Ryder told CBC News on Friday.

"If they do, in the long-term this is just going to be a blip, this will just be a little spot on the record and in two or three months once they get ahead of the story it'll be all forgotten," said Ryder.

"But I'll also say that today's story is a warning to the other major banks."

http://www.cbc.ca/news/business/td-bank-stock-pprice-1.4019822

TD Bank shares post worst day since 2014 after CBC story

Bank analyst notes TD's 'Wells Fargo moment' as reaction to CBC story reverberates

CBC News Posted: Mar 10, 2017 2:50 PM ET

TD Bank shares were on track for their worst one-day stock performance since 2014 on Friday. (Mark Blinch/Reuters)

Shares in Toronto-Dominion Bank posted their biggest loss in several years on Friday after the publication of a second CBC News story uncovering how employees admit they have broken the law at their customers' expense in a desperate bid to meet sales targets and keep their jobs.

TD stock closed at $66, falling $3.88 a share — more than 5.5 per cent — for its worst day since the end of the financial crisis, and enough to wipe out all of its gains for 2017.

In two stories on Monday and Friday, CBC's Go Public team outlined how TD employees have come under pressure to sell products that may not be appropriate for customers, and in at least one case increased a customer's overdraft and credit limits without their knowledge.

In a statement, TD disputed the reports, saying "the environment described in the media report is very much at odds with how we run our business, and we don't recognize it from our own perspective, experience or assessments."

'I will do anything I can to make my goal,' TD teller says

But that didn't seem to be assuaging investors concerns, at least in the short term.

Analyst John Aiken at Barclays, who covers TD, likened the story to a "Wells Fargo moment" — a reference to last year when the U.S. lender was fined $185 million by regulators after some of its employees were found to have made up bogus accounts to hit sales targets and get bonuses.

"Concerns are arising with investors that the fallout could be similar to what happened to Wells Fargo," Aiken wrote in a commentary.

TD shares finished at $66 a share on Friday, but Aiken's 12-month target price for the stock is $64 and he gives it an "underweight" rating. That means he thinks the stock could be worth less in a year than it is today, and he thinks it's an inferior investment prospect to other similar companies.

"Ultimately, we do not believe that there will be much of an impact on TD, as we would be surprised if the issues described were as systematic as occurred with Wells Fargo in the U.S.," Aiken wrote.

"That said, given the damage that the allegations did to Wells, investors will likely remain cautious about the tail risk and the impact on TD's valuation may not dissipate until after an official investigation is concluded."
Credit rating agency DBRS said it didn't anticipate a change in its rating on TD.

"However, DBRS will continue to monitor the development and severity of any resulting reputational damage," the firm said.

"Given its relatively high rating level and the importance of the Canadian retail-banking sector to TD, DBRS has limited tolerance for any adverse impact to TD's franchise strength and/or earnings power, both of which are key underpinnings of the Bank's credit profile and overall credit ratings," DBRS said.

Shares in all five of Canada's biggest banks were lower on Friday, but none of the others were off by more than two per cent.

In a written statement sent to CBC News Friday evening, the CEO of TD Bank Group, Bharat Masrani, said TD has "a long history of providing great customer service."

"We do that by listening and responding to our colleagues and our customers," Masrani wrote. "We'll continue to do so. We are in the trust business. Everything we do is about earning and sustaining the trust of those we serve."

http://www.cbc.ca/news/business/td-bank-employees-admit-to-breaking-law-1.4016569

'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired

Hundreds of current and former employees respond to CBC report with stories of pressure to upsell customers

By Erica Johnson, CBC News Posted: Mar 10, 2017 5:00 AM ET

CBC's Go Public received hundreds of emails from current and former TD Bank Group employees after its report earlier this week about the pressure front-line staff say they're under to sell customers products and services they don't need. (CBC News, Reuters/Mark Blinch)

A CBC report earlier this week about TD employees pressured to meet high sales revenue goals has touched off a firestorm of reaction from TD employees across the country — some of whom admit they have broken the law at their customers' expense in a desperate bid to meet sales targets and keep their jobs.

Hundreds of current and former TD Bank Group employees wrote to Go Public describing a pressure cooker environment they say is "poisoned," "stress inducing," "insane" and has "zero focus on ethics."

Some employees admitted they broke the law, claiming they were desperate to earn points towards sales goals they have to reach every three months or risk being fired. CBC has agreed to conceal their identities because their confessions could have legal ramifications.

Been wronged? Contact Erica and the Go Public team
TD teller says clients pay price for bank's 'unrealistic' sales targets
TD Bank shares post worst day since 2014 after CBC story

TD insists all its employees are to follow the company's code of ethics, but many employees who contacted Go Public said that's impossible to do given the sales expectations.

"I've increased people's lines of credit by a couple thousand dollars, just to get SR [sales revenue] points," said a teller who worked for several years at a TD branch in Windsor, Ont.

He admits he didn't tell the customers, which is a violation of the federal Bank Act.

A former teller at this TD branch in Windsor, Ont., admits he increased customers' lines of credit without their knowledge to meet his sales targets.

Another teller with over 20 years' experience at an Ontario TD branch said she has increased customers' overdraft protection amounts without their knowledge, and increased their TD Visa card limits on the sly — all to earn units towards her sales revenue target.

Many TD workers wrote to say they are on medical leave, suffering from anxiety and/or depression because of the constant pressure to upsell customers.

One teller on sick leave described how a manager stood behind her three times a day, pushing her to sell more.

'They just really stress you out ... I'd be be thinking … 'What can I do tomorrow to try and get sales?'' - TD teller

"They just really stress you out and say, 'You're not doing good. I need you to do double the amount you've been doing.' I couldn't sleep. I'd be thinking … 'What can I do tomorrow to try and get sales?'"

She admits to upgrading customers to a higher-fee account without telling them.

"Because that gives us sales revenue. And the customers don't have to sign for it."

'I wouldn't have noticed the $29.95'

Bev Beaton believes she's been a victim of a TD teller desperate to generate sales revenue.

In January, she noticed a service charge on her account for $29.95. When she called TD to ask about it, she was told it was because she was in an account that required her to keep a minimum monthly balance of $5,000 or she would be charged that monthly fee.

Bev Beaton says a teller at her TD branch in Victoria moved her into a higher-fee account without her knowledge. (Bev Beaton )

"I said, 'I did not ask for this account. There's no way I would have asked for this account.' And [the bank employee] said, 'You must have.'"

When Beaton checked her statements, she saw that she'd been moved to the higher-fee account last May, but only noticed when her balance dropped below $5,000 for the first time in December and she was hit with the service charge.

"I was very annoyed," Beaton said. "And I think it's dishonest. Because if I wasn't looking at my statement closely, I wouldn't have noticed the $29.95."

In a written statement to CBC News, the CEO of TD Bank Group, Bharat Masrani, said TD has "a long history of providing great customer service."

"We do that by listening and responding to our colleagues and our customers," Masrani wrote. "We'll continue to do so. We are in the trust business. Everything we do is about earning and sustaining the trust of those we serve."

Financial advisers also admit deceit

TD employees tell Go Public the pressure to deceive customers extends beyond front-line staff to workers handling wealth management.

'I have invested clients' savings into funds which were not suitable, because of the ... pressure.' - TD financial adviser

"We do it because our jobs are at stake," said one financial adviser in Ontario.

She admits she acted in her own interest rather than that of her clients after being put on a Performance Improvement Plan — a program that involves coaching and could result in termination of employment — because she wasn't meeting her sales targets.

"I have invested clients' savings into funds which were not suitable, because of the SR [sales revenue] pressure," she said. "That's very difficult to admit. I didn't do this lightly."

'I was forced to lie to customers'

A former TD financial adviser in Calgary says he would downplay the risk of products that gave him a big boost towards his quarterly goal.

"I was forced to lie to customers, just to meet the sales revenue targets," he said.

"I was always asked by my managers to attach unnecessary products or services to the original sale just to increase the sales points — and not care if the customer can afford it or not."

'Customers are prey to me': TD teller says clients pay price for bank's 'unrealistic' sales targets

A financial adviser who worked for six years in Nanaimo, B.C., before quitting says "people eventually snap, or lose all sense of themselves and do anything to close sales."

"I have had multiple conversations with branch and district managers. These conversations led to my being asked if I was still the right fit for the job."

Employees must abide by code of ethics: TD

In statement provided to Go Public, TD spokesperson Daria Hill wrote every employee must "act ethically and ... not allow a focus on business results to come before our focus on customers."

In an internal letter written to TD employees and obtained by Go Public, Andy Pilkington, executive vice-president of branch banking, wrote, "We don't believe the [CBC] story is an accurate portrayal of our culture," but said the report was an opportunity "to pause, reflect and ask ourselves ... how we can do better for our people and our customers."

One TD teller balked at Pilkington's letter, sending an email to Go Public that says, "Maybe if they stood back for a moment and thought about how they have put so much pressure on employees (with ridiculous sales goals) they wouldn't be in this situation right now!"

Concern for seniors

News that bank employees are required to meet what they consider to be extreme sales goals — with some even acting underhandedly — is a concern to Wanda Morris, vice-president of advocacy for CARP, a national advocacy association for people over age 50.

"As people age, there's a little bit of decline in their cognitive functioning so they trust others and are potentially at risk from somebody who doesn't have their best interests at heart," she said.

Wanda Morris of CARP, an advocacy group for Canadians over age 50, wants legislation that requires bank employees to act in a customer’s best interest. (CBC)

"Canadian banks are some of the most profitable companies in this country. I hope we'll see … some more empathy towards both employees and customers."

Calls for government intervention

Democracy Watch founder Duff Conacher says the fact that hundreds of bank employees have written to express concern over their high-pressure sales environment is an indication that Ottawa needs to act.

"We need the federal government to put rules in place and stop being so negligent — allowing the banks to get away with this unethical gouging and unethical sales practices," he said.

Democracy Watch co-founder Duff Conacher says now is the time for people to push the federal government to improve bank regulations because the Bank Act is currently under review.

"The fact that the CBC is revealing this as opposed to [the Financial Consumer Agency of Canada] or the ombudsman for banking services shows just how much the government has failed to ensure that those protection watchdog agencies have the powers, have the mandate and the resources to do their job."

Conacher says now is the time for people to pressure Ottawa to tighten bank regulations because the federal Bank Act is currently under review.

"I just find it amazing that we haven't seen any political party or politician stand up and say, 'We're going to make these key changes to ensure that banks are required to serve everyone fairly ... and look out for their customers' best interests and not just try and gouge them.'"

with files from James Roberts

Submit your story ideas

Go Public is an investigative news segment on CBC-TV, radio and the web.
We tell your stories and hold the powers that be accountable.
We want to hear from people across the country with stories they want to make public.
Submit your story ideas at Go Public.
Follow @CBCGoPublic on Twitter.

http://www.cbc.ca/news/canada/british-columbia/td-tellers-desperate-to-meet-increasing-sales-goals-1.4006743

'I will do anything I can to make my goal': TD teller says customers pay price for 'unrealistic' sales targets

Bank employees say their jobs depend on upselling customers for products that can put them into debt

By Erica Johnson, CBC News Posted: Mar 06, 2017 2:00 AM PT

Longtime TD Bank Group employees say there has always been a sales component to the job, but that 'incredible pressure' to meet 'unrealistic' quarterly sales revenue goals has increased in recent years — and customers are paying the price. (CBC )

Three TD Bank Group employees are speaking out about what they say is "incredible pressure" to squeeze profits from customers by signing them up for products and services they don't need.

The longtime employees say their jobs have become similar to that of the stereotypical used car salesman, as they're pushed to upsell customers to reach rising sales revenue targets.

They say there has always been a sales component to the job, but the demand to meet "unrealistic" quarterly goals has intensified in recent years as profits from low interest rates have dropped and banks became required — after the financial meltdown of 2008 — to keep more capital on hand to protect against a downturn in the market.

"I'm in survival mode now," says a teller who has worked at TD for more than 15 years, "because it's a choice between keeping my job and feeding my family … or doing what's right for the customer."

Been wronged? Contact Erica and the Go Public team

She and the two managers who contacted Go Public have worked more than 50 years combined at the bank. CBC has agreed to conceal their identities and location because they are worried about being fired.

"When I come into work, I have to put my ethics aside and not do what's right for the customer," says the teller.

TD has steadily increased profits from 2012-2016. (TD 2016 annual report )

Documents provided to Go Public show the teller's sales revenue goals have more than tripled in the past three years.

"You don't know what it's like to go to bed at night, knowing your job is now to set people up for financial failure," says the teller, her voice cracking.

Go Public has heard from TD tellers in several Canadian cities who say they quit their jobs because the pressure to push products was so extreme.

"I was made to feel as if I was committing a huge wrong for looking out for the best interests of my customer over the interests of the bank," says Dalisha Dyal, who worked as a TD teller in Vancouver for four years.

Another TD teller says the relentless pressure to meet sales numbers is so severe, the teller is currently on a medical leave.

Teller screens highlight potential sales

The three bank employees who initially contacted Go Public explained how tellers upsell customers: when a customer keys in a PIN at the teller counter, a gold star lights up on the teller's computer screen, indicating that "Advice Opportunities Exist."

When customers enter their PIN at a teller counter, a gold star informs the teller of 'opportunities' to sell the customer products. (CBC)

When a teller clicks on the star, products and services the customer hasn't purchased pop up, such as overdraft protection, credit card or line of credit.

Each time a teller gets a customer to sign up for one of those options, it counts towards meeting their sales targets.

"Customers are prey to me," says the teller. "I will do anything I can to make my [sales] goal."

TD disputes pressure to sell

TD Bank Group declined a request to be interviewed, but sent an email that disputes the allegations that products and services are sold to ill-informed customers who may not need them or realize how much they cost.

'We will only achieve our goals by doing the right thing for our customers.' - Daria Hill, TD Bank Group

"Our expectations are that our employees should never sell a customer a product that doesn't fill a need," spokesperson Daria Hill wrote.

Hill said having "metrics" and "goals" is a good business strategy, but that "we will only achieve our goals by doing the right thing for our customers."

Hill says customers have said they want TD employees "to know them, understand their needs, give them proactive advice and ask them about how we can best meet their financial needs."

That explains why customer profiles are flagged for products, services and pre-approved offers, Hill says.

TD reports record profits

The employees' allegations come amid reports last week of record profits for Canadian banks.

TD Bank Group reported fiscal first quarter earnings of $2.5 billion — up 14 per cent from a year ago. Revenue rose six per cent to $9.1 billion — making it the largest bank in Canada, based on assets, surpassing RBC.

ANALYSIS| Can Canadian banks keep squeezing out more profits?
TD beats expectations, reports $2.53B net income

The TD employees say elderly customers are a common target because they've grown to trust their tellers over the years.

"There are elderly customers who have fought for us — they have an army pension," says the teller. "And here I am, setting them up with all these service fees and they don't have a clue what's going on."

Both the managers sometimes work the front counter and say there's a big push by their branch manager to sign up people for overdraft protection, so sometimes clients with large balances get it, too.

"Customers pay enough in service charges," says one manager. "They shouldn't have to worry ... 'What has my teller added to my profile today?'"

'More pressure on us'

"The higher-ups are also putting more pressure on us to get tellers to achieve these goals," says the other manager.

"And if they don't … our job is to make sure that they understand that they're no longer right for this job."
"I feel bad for what they're making me do," she says.

The TD employees Go Public interviewed say the push to make higher profits is turning some customers away. (CBC)

When the managers expressed concerns to their branch manager and district vice-president, they say they were asked to consider whether they were still "a good fit" for the job.

Documents obtained by Go Public show tellers who fail to reach their sales goals are called "underperformers" and placed on a "Performance Improvement Plan," which involves daily coaching and monitoring by managers. If sales performance doesn't improve, employees are warned "employment could be terminated."

In the statement from TD, Hill says "Performance Improvement Plans are intended to support our leaders and people managers in helping employees improve their overall job performance and are intended to help employees be successful in their role."

Short-term gains

Pushing products on customers to maximize shareholder profits may produce short-term gains, but it's not in a bank's long-term interest, says Laurence Booth, a professor of finance at the University of Toronto's Rotman School of Management.

Laurence Booth of the University of Toronto's Rotman School of Management says pushing products on customers to maximize shareholder profits may produce short-term gains, 'but sooner or later, these things come back to bite you.' (CBC)

"If their [TD's] employees start looking at everybody that comes into the bank as … somebody to try to make as much money off as possible, then the result is they're going to be squeezing short-run profits," he says.

"But sooner or later, these things come back to bite you."

Booth says all banks want to be known as "trustworthy," but that trust can erode quickly if a bank gets a poor reputation.

Hidden camera test

Go Public conducted a hidden camera test at five Vancouver TD branches to see what happens at the teller counter.

One teller offered to "activate" overdraft protection — not mentioning that there would be a fee.

She also suggested opening an account with monthly service fees of $29.95, when a "basic chequing account" — with fees of $3.95 — was requested.

Another TD teller put a Go Public tester in an account with fees of $14.95 — never mentioning the $3.95 account that would have met her stated needs. He also tried to sell a TD Aeroplan credit card, with annual fees of $120, and suggested the tester open two other accounts.

Tellers at three TD branches didn't try to upsell the testers.

Tellers now called 'front-line advisers'

One manager pointed out that tellers are no longer called "customer service reps" — an example, she says, of how far TD has shifted the focus from its customers.

"We're now called front-line advisers," says the teller. "That would be funny, if it wasn't so sad."

All three TD employees say they've considered looking for work elsewhere, but what they want most is for their employer to listen to their concerns — for the sake of its employees, and its customers.

With files from James Roberts

Bank employees say their jobs depend on aggressively upselling customers2:43

Friday 10 March 2017

CBC Just put a big spotlight on Franky Boy McKenna's TD Bankster buddies

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'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired

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Bank analyst notes TD's 'Wells Fargo moment' as reaction to CBC story reverberates

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More than 1,000 emails

'Shaming' and 'bullying'

Stressed out

Big banks decline interview requests

Calls for parliamentary inquiry

Shareholders concerned

Controversial TD tactics show need for consumer code, says advocacy group

Aggressive upselling revealed by employees called 'a bit of a grey area' under current rules

Financial agency investigates

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TD Bank on defensive after CBC stories, stock plunge

Share price rebounds after dramatic drop last Friday

'A few hundred' complaints

Stock analysts downgrade TD Bank

'A warning to the other major banks'

TD Bank shares post worst day since 2014 after CBC story

Bank analyst notes TD's 'Wells Fargo moment' as reaction to CBC story reverberates

'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired

Hundreds of current and former employees respond to CBC report with stories of pressure to upsell customers

'I wouldn't have noticed the $29.95'

Financial advisers also admit deceit

'I was forced to lie to customers'

Employees must abide by code of ethics: TD

Concern for seniors

Calls for government intervention

Submit your story ideas

'I will do anything I can to make my goal': TD teller says customers pay price for 'unrealistic' sales targets

Bank employees say their jobs depend on upselling customers for products that can put them into debt

Teller screens highlight potential sales

TD disputes pressure to sell

TD reports record profits

'More pressure on us'

Short-term gains

Hidden camera test

Tellers now called 'front-line advisers'

Submit your story ideas

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