OK....
First, back off on the guy. He's asking for information, NOT spouting conspiracy.
Nice welcome wagon, you 'tards.
Second, some banks/financial companies routinely look at the credit reports for people who have accounts with them. That's how you hear about people who have good credit ratings but a fair amount of debt getting hit with credit card rate increases. It's a pre-emptive strike.
I suspect that that may be what is happening here. It's all part of risk based lending.
As for withdrawal limits at ATMs, I've not heard that one. It could be that people are trying to get money out of machines that are not associated with their primary financial institution. The owner of the ATM may have different withdrawal limits.