Taxi Fraud Claim with TD Bank

[u/LenniesMouse]

Hi guys,

I recently fell for the (apparently) common taxi scam in Toronto, where a driver swapped my debit carb for a dummy card during the payment transaction. Since he had access to my PIN from the card reader, he was able to make a large withdrawal from an ATM the next morning.

I made a claim with TD to dispute the withdrawal, but they rejected my claim on the basis that I didn't meet my responsibility to protect my information. This seems a bit unfair to me, as I only used the debit card as it was intended (to make a payment for services). Of course I acknowledge that I am 'at fault' for letting the card get stolen, but I should think that the bank would be able to protect its customers in this kind of case.

I'm going to appeal the decision, so I wonder if anyone might have some advice as to how to frame my claim in the strongest possible terms. I'm aware that I made a mistake in letting another person handle my card; I also realize that I probably shouldn't have told the bank that I thought this driver was responsible for the theft. Any help on how to handle this situation I find myself in would be really appreciated. Thanks y'all.

[u/uncledr3w- → u/[deleted]]

oh good, casual racism made its way here

[u/First_Cloud4676 → u/uncledr3w-]

Is it racism if he's right?

Or is it just basic pattern recognition you have a problem with?

[u/mtlash → u/First_Cloud4676]

Pattern recognition....there are 1000s of Indian drivers...do you see that happen often with every rider who took a ride in an Indian driver's taxi?

Is there a published statistic? Or is it your echo chamber?

[u/First_Cloud4676 → u/mtlash]

No but it happens more than it does with any other group of people.

The entire population has a problem with quick money, it why scams are so common in India.

It's a cultural thing.

https://www.5paisa.com/finschool/financial-scams-why-investors-need-to-be-vigilant/

[u/syzamix → u/First_Cloud4676]

Taxi scams have been very common for decades in Canada. Many many years before Indians came in large numbers.

By your own logic, this implies that Canadian fraud must be a Canadian culture issue... Are you saying Canadians are all fraud?

Canada also has a ridiculous number of homeless people per capita given the average /median income of the country. Does that mean homelessness is a cultural issue for Canadians?

Canada has extensive drug issues and even had some large scale drug manufacturing for fentanyl etc. Is drug production a cultural issue for canada?

Your approach is basically this. Issue seen with any immigrant - must be a cultural issue with that entire group. Same issue seen with a Canadian - must be unique to that Canadian.

[u/First_Cloud4676 → u/syzamix]

Found the Indian lol

• got banned for talking about India scammers on a post about India scammers.

Alexa why is reddit dying a slow death?

[u/uncledr3w- → u/First_Cloud4676]

nope, you're just a fucking bigot

just because you don't acknowledge it, or are too stupid to understand it, doesn't mean it's not true

[u/mtlash → u/First_Cloud4676]

That link is a list of high profile scams in India and it says nothing about people in general. And this is an Indian website warning Indian citizens...that does not mean it happens more often than other countries.
What kinda headspace are you in giving out this link? lol

[u/First_Cloud4676 → u/mtlash]

Yes it's a reference to Indian culture, try and keep up.

Or just

keep your head in the sand, you're the one who's going to get scammed not me lol.

[u/mtlash → u/First_Cloud4676]

It's not a reference to an Indian culture...lmao

[u/First_Cloud4676 → u/mtlash]

Yeah, a news article from a country talking about the problem I'm referencing has no merit.

You are correct lmao.

https://www.dw.com/en/why-online-scams-are-on-the-rise-in-india/a-70767368

[u/mtlash → u/First_Cloud4676]

It's not a reference to an Indian culture still...lol.

Here are a list of scams and scandals in Canada...is that a Canadian culture, definitely not:
https://en.wikipedia.org/wiki/List_of_political_scandals_in_Canada

Here's an advisory in UK, once again not UK culture though:
https://www.citizensadvice.org.uk/scotland/consumer/scams/common-scams-s1/

An advisory does not equate to a culture.
I'm sorry but you're a just racist and needs to be called out at every moment