TD bank is involved in the anti-scam alliance, but tells the customer that it is responsible for $ 10,000 in the phone scam
Major banks, police, chief Telkos and federal governments of Canada have joined the army to save Canadians from the growing crisis of financial scams.
Is called Anti -scam allianceThe initial plan of the attack is one Educational campaign Set to launch next month.
But several victims of bank fraud and industry experts told CBC News that they feel that the coalition efforts decrease, as it does not address refunds for the victims.
CBC News is Informed many recent stories Regarding the victims of the bank related phone scams who have lost thousands of dollars and Compensation refused,
“Awareness campaigns are important, but they only go so far,” Jessica Fraser of Timines, ONTS said, who caused a $ 10,000 in a TD bank scam in June. The TD Bank, which is listed on the alliance’s campaign website as a “champion”, refused to request his request to the correspondence.
“They are going to be the gatekeepers of my money and I trusted them to keep me safe,” she said. “Instead, I am quit to bear the burden.”
Cyber ​​security expert Klaudu Popa says they suspect that the anti-scam alliance will change, as they do not yet have a solid plan plan. He also argues that an anti-scam campaign involving big banks cannot ignore the problem of withdrawal.
“I think there is a missing component for this,” he said. “That missing component, that elephant in the room is actually being done for consumers.”
The coalition chair Anthony Ostler said in an email that the purpose of the coalition is to coordinate efforts to seal the scammers-before they steal the cash of Canadian people.
Ostler, who is also the CEO of the Industry Group The Canadian Bankers Association, said that the planned education campaign will provide people “equipment and strategy” that they can use to protect themselves from fraud.
RBC told a customer that he is responsible for $ 14,510 after being a victim of a scam, where fraudulent banks or other fraudulent investigators pose as the customers, even though the customer says that RBC called him to mark the activity in his account. RBC says it is still investigating the case. (Explanation: A previous version of this video scored the lost amount in the bank scam. It has been updated to become more accurate.)
But Popa suggests that the alliance was designed to improve the reputation of big banks – after many victims who have been refunded. They have become public with their cases,
“Banks are having a lot of trouble with a large smelling customers,” he said.
Fraser story
Fraser turned to the media, as he realized that TD misrepresented his request for compensation.
His exam started when he received a call from a person who said that he was with the TD fraud department. He reported that Fraser was trying to move $ 9,000 from his bank account to buy a bitcoin and it was “very important.”
“I just remember that it’s really nervous,” he said.
The fraudster told Fraser that he needed cash protection in his account – $ 10,000 – by taking it to a new TD account. Then he helped him to establish an e-transfer contact in his name, so that he could say, he said, send himself money till the account is established. He also described the safety questions and passwords to use Fraser for e-transfer.
Shortly after the call, Fraser found that he had not really sent himself money. Instead, it disappeared.
“It’s disastrous,” said a single mother. “This is my nest egg.”
Fraser feels that TD shoulders are some defects.
the currentYou have a scam. Does your bank need to reimburse you?
Canadian people shocked $ 647 million for fraud last year. And many of those scams include money from canadian bank accounts and investments. The Melissa plate was scammed to over $ 14,000. She tells us what happened and shared her warning for other Canadians. Then we talk to technology journalist and analyst Carmi Levi, who says that banks can do more to protect your money – and if you have been scammed then you to reimburse you.
The fraud initially asked Fraser to transfer the $ 3,000-his e-transfer range. To move the rest, he said that he would conference in another TD department, so he can request that his account limit be increased.
Fraser says that Scammer connected him to the real TD bank from the phone – while he remained quietly on the line.
Fraser says he told the valid TD representative that he needed to increase the e-transfer limit, as his account was compromised. A transcript of calls provided by the bank provides the fraser, which seems incomplete, showing it to the TD representative, unpublished, “apparently the fraud department – so yes.” There is no indication that the representative of the bank reacted.
Fraud mention should be concerned: experts
Popa says that Fraser should have raised a red flag for the TD representative, referring to “fraud”.
“It is the duty of banks to take care of the banks,” he said. “Even a simple explanation could disrupt the scam.”
Fraser agrees, so he told the TD that he was asked to reimburse $ 7,000, he was cheated to move after speaking with the Langit TD representative. He extended his case twice, but to no avail; At the final level, the bank told her in a letter that she was responsible for all her lost cash, as she had authorized e-transfers.
A Scotiabank visa card holder was left on the hook for $ 20,000, which he did not, even though a specialist told the CBC’s Go Public that there was no evidence to convict the customer.
The bank also said in the letter that he had talked to the TD representative by phone, he had read a disconnection about sending it only e-transfers to him he knows and believes.
Fraser says that the call was dropped before hearing the disruption, and she felt that she was sending e-transfers to her.
“The fact is that they are denying responsibility … it’s derogatory,” he said. “They should have some kind of accountability.”
The Timins police told CBC News that it had accused someone regarding Fraser’s scam.
CBC News informed TD about the allegations. The bank stood by its decision. In an email, spokesperson Ashley Murphy said, “The matter was evaluated fairly and according to our policies and procedures.”
The bank did not answer questions about its involvement in the Anti-Scam alliance.
Rule on refund
Canada offer Some security Credit and debit cards for victims of fraud. Finance Canada told CBC News that there are currently no legislative requirements for banks to reimburse customers for fake bank account transactions.
The Montreal-based consumer advocacy group, option consomators, currently helping dozens of scam victims-fight for refunds with all senior-their banks in Oil-OK.
A lawyer with the group, Silvi de Belefuil argues that anti-scam efforts are inadequate, as the scams will never be completely away, and the victims should not be disappointing.
“Scammers will change their plan, get more sophisticated plans,” she said. “We believe that banks should be held more responsible … and eventually reimburse consumers.”
CBC news reporting suggests that banks are rapidly blaming customers for fraud and errors associated with their accounts. National Erica Johnson of National asked Cyber ​​Safety Specialist Claudu Pope to break the existing risks and Canadian people should know what to protect their money.
Both De Bellefuil and Pope say Canada needs to adopt better security for the victims.
Last year, federal government Consultation on proposed changes To strengthen security include Banks need to reimburse scam victims for most funds stolen from their bank accounts, even if their money has been accessed.
Finance Canada told CBC News in an email that further details about the government’s plans “will come in the appointed time.”
Read here for tips How to protect yourself from financial scams.
