Banks keeping a customer profile without a bank account - Posted on May 22 of 2025 by KM.

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Banks keep a profile of consumers even without an account with just some basic information.
When I lived in Hamilton Ontario Canada I applied for a personal loan from a Scotiabank branch near my residence in Hamilton, and a profile was created with Hamilton address which was updated in Brampton and also in Ottawa before the lease with OCH was signed which meant that Scotia bank profile was at shelter address when Scotiabank staff at Carleton University in 2023 approached me to setup an account for me. This account was opened after the lease and my ID was at the current residential address. But before the lease with OCH, address on my ID was waller St. 

The bank officer who opened my account did not update the profile address in their system just attached a new account with the old profile without updating the address and printed paper work with shelter address which I got updated over the phone by customer service.

Banks should be more careful and pay attention to such details. In the past before microsoft desktop computers, bankers used terminals connected to mainframe computers and there was no such profiles created in there local systems. 

Also banks should enter Social Insurance Number or other IDs with the accounts, not just with the profiles. Each account belonging to a customer should consists of Social Insurance Number or other current IDs.

Published by

Engr. {(male) KhalidMahmood}
Ontario DL#: M01684340561220
Ph:(613)413-9812
307-1909 Russell Rd, Ottawa ONTARIO Canada K1G3P2 



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