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.
this is what i get for reading everything
after i post. you took the long way to get there but it sounds like you think this is fraud too.
the bank can more than likely find out who did this by pulling all the computer logs from the time this started. they won't. they have no interest in firing whoever did this, they prefer to not see things that make the bottom end look better, if they don't need to. if they made a few examples it would stop. if they actually found out how often it happens, they'd go broke refunding accounts
