Dan, I'm happy to hear they're making you whole on this one. I wouldn't think anyone would be entitled to more than they were out, however. I would move my money to another institution. You're right they were stealing & I wouldn't do business there any longer. But I'm not one to make a public outcry, I'm more of the take my money elswhere type.
In another post to this thread I alluded to the fact I was a a banker for over 36 years. Trust me the bank was not stealing from a customer. Somewhere along the way an employee decided that Dan was a good insurance prospect and obvisously decided to include insurance on his line credit/credit card without his knowledge or authorization. This employee has goals and targets, including one for insurance sales. They took advantage of the situstion and added insurance to an account that Dan did not authorize and got a good or better raise for this dishonest conduct. Banks do not condone this behaviour and fire people for a breach of conduct. That is what this is. The bank want's and will do right by Dan. Give them a chance. Things can be made right and by learning from mistakes they can put proper controls and training in place to avoid such issues in the future.
Dan deserves restitution and the TD Bank, given the chance will do right by him. It happens in most business, give them a chance,
