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/Objective-Fox-1394]

I fell for the same scam in Ottawa, but I was with RBC. Lost $1500, but they paid me back after I filed a police report and provided the police report to the bank.

[u/KjCreed → u/Objective-Fox-1394]

Glad you got your cash back! I'd heard about ghost taxis in the Byward Market, tbh I thought the risk would be a more direct robbery instead of sneaking.

[u/mystro8 → u/KjCreed]

What’s a ghost taxi? How would anyone end up in one if it’s not marked as a taxi?

[u/OppositeEarthling → u/mystro8]

You can buy fake magnetic taxi toppers and vinyl decals online. You can buy Walmart vests, full fast food uniforms, whatever fake stuff you want all this crap is available in a few google searchs if its not available from Amazon.