Is this really surprising? Of course a bank is going to check up to see if it can get any easy-dirt on you, and if you have a half-dozen comments over the last year that you're barely making your existing card payments then it's really your own fault.

If people dislike this behaviour by banks, there are banking regulations that can regulate this behaviour. Alternatively, you could just maintain a good online-image like most people try in the real world.

I've been online since I can remember, and I knew from an early age to keep anonymity and privacy online. Why mature adults haven't figured this out is beyond me.