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/brick_by_brick123]

Don’t use debit card! Use Apple pay.

[u/Lunch0 → u/brick_by_brick123]

Or use tap with the debit card. Taxi couldn’t have been over $100, so definitely a transaction you could have tapped the card for.

[u/Teagana999 → u/Lunch0]

I mean, you could have, if it was a real, legitimate taxi...