TD Canada Trust apparently loses customers' RRSP during transition/merger between Toronto Dominion Bank and Canada Trust
Personally, I blame the customers.
I'm not in the banking industry. I do bank with TD Canada Trust but I'm far from being one of their "fanboys" and I've had issues with TD Canada Trust as well as them helping me with certain issues.
For me, if I had money at an institution and that institution merged with another institution, I would want to check my account(s) after the merger. I wouldn't wait ~25+ years after the merger and then try to get information on my account.