Personal Finance

Issue: Blocked from using E-Interac

  • Last Updated:
  • Jan 29th, 2018 2:38 pm
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[OP]
Newbie
Dec 5, 2017
8 posts
2 upvotes
I have second thougths coz they giving me 4000 dollars then I ask whats that money, they said that I will need that money to fill my bitcoin so that i can start my job to assist client for purchasing sql or database. And now i realized all of those thing thatnwhy I became follower of that Carolina (who is said to be my Manager). I am not too careful to what I've done. I know this is my fault foe not being too alert.
Sr. Member
User avatar
Apr 26, 2010
605 posts
43 upvotes
Richmond Hill
Not a lot you can do, if you really want you can file a police report.
TD fraud will do their investigation, so would TD AML in which a STR will be filed against you. Lesson learned.
Deal Addict
User avatar
Jan 31, 2006
4448 posts
490 upvotes
Toronto
reginacabalar wrote:
Dec 7th, 2017 7:08 pm
yah. i hope TD bank have a fair investigation. I talked to them why i can't send and receive money from interac and they just said that i am blocked. just simple as that. I am shocked and ask why and then they said that i received the money from a fraud email. Then I try to explain myself as i am speaking with the investigation department but they just insist that i have nothing to do. So sad. Still I am hoping thay they will see the other side of story. All i want is a job and i didn't expect that I will be a victim of that scam Loudly Crying FaceLoudly Crying FaceLoudly Crying Face
I understand you and read that you are from the Philippines, your case is not worse compare to another lady coming from the Philippines. She inquire via phone banking what is a LOC (since the bank approves her for a LOC), and it turn out the phone banking CSR scammed her of $$$$ and the bank ban her from withdrawing any money outside her mother branch.
Member
User avatar
Oct 19, 2016
494 posts
153 upvotes
Toronto
Scammers are everywhere. You got to be smart nowadays. Otherwise you will be making someone else rich.

I have heard from some people who have actually seen these scammers in africa. These guys are making real big bucks. They are wearing nice expensive suits, rolex watches and driving brand new BMW's and mercedes cars. They even have employees working for them. They are rolling high. Doing very very well.
Sr. Member
Sep 14, 2010
926 posts
166 upvotes
Toronto
well normally they will block u from using E transfer etc for a period of 5 years and maybe if relationship with the bank is good, it will be reinstated.
Next time is best to setup another bank account other than TD and when u ever use Etransfer, DO NOT USE THE SAME EMAIL that was used for the fraud etransfer, you will get automatically blocked from using E-trasfer in that new bank as well since banks share info.
Deal Addict
May 15, 2013
1264 posts
197 upvotes
Montreal
reginacabalar wrote:
Dec 7th, 2017 7:08 pm
yah. i hope TD bank have a fair investigation. I talked to them why i can't send and receive money from interac and they just said that i am blocked. just simple as that. I am shocked and ask why and then they said that i received the money from a fraud email. Then I try to explain myself as i am speaking with the investigation department but they just insist that i have nothing to do. So sad. Still I am hoping thay they will see the other side of story. All i want is a job and i didn't expect that I will be a victim of that scam Loudly Crying FaceLoudly Crying FaceLoudly Crying Face
Cross the street and open an account in a different Bank, very simple.
Sr. Member
Jan 12, 2010
610 posts
75 upvotes
Most likely, its actually not TD that blocked you, but rather, Certapay (Interac runs Certapay), is the company that blocked your email address that was registered with the email money transfer service, hence the reason why you can't send.
Newbie
Jan 14, 2018
3 posts
Hello, please can you copy and paste the original email you received? whats the company name and what was thier contact method, I might be in the same situation
Newbie
Jan 22, 2017
3 posts
reginacabalar wrote: Hi,
I'm Regina from Philippines and recently moved here in Edmonton with my family.
I am frustrated and sad now because I got account from TD Bank and my husband usually send money transfer to mw via e-interac. It is quite inpressive because I easily get money from him. I am a full time mom and I do my best to get a job for homebased. Nov.30, someone emailed me that they saw my resume in Indeed and they are interested with my resume for the position of Online Service Manager. I entertained them knowing that i can get a job from home. After many emails, they send me a contract and ask my email address and if i have a bank account. I said yes and gave it. They said i will received some e-transfer and need to cashout to fill the wallet of bitcoin that I will used for the future once I started working with customers. After 2 days of receiving etransfer, cashout and buy bitcoins using the qr code they sent to me, they've gone. They didn't response to my message because for my salary due they said that once i complete the task, i will get my salary. But i received none. December 5, I was about to send money to my husband and an error appeared stating that I should contact the financial institution. Upon calling TD, i fould out that my e-interac was blocked and i cannot send and received money from now. I try to explain to their Investigation department and they said that I am a fraud recepient. I was shocked andnafraid bwcausw i have no idea that this will happened to me. I want to defend myself but they said that i have nothing to do and they will call me once it is investigated. Please help me how to deal with it as i dont have any idea. I am afraid that i get connwcted with that illegal thing. Loudly Crying Face
Hi Regina, welcome to Canada! I’m sorry something like this happened to you. I used to work for TD. So you have been blocked from interac e-transfer by Certapay not TD. So even if you open another account with a different bank and try to do e-transfer it will not work. From my experience the block is usually for 1 year. After that you should be able to use the service. Your actual accounts are not compromised unless you’ve given them ur account numbers. The banks get a lot of ppl with job scams, and they know you are a victim. Just make sure from now on you be careful with info you provide online.
[OP]
Newbie
Dec 5, 2017
8 posts
2 upvotes
hello.. thank u for welcoming me here. yes. from now on, i will be careful and will not trust anybody easily. I keep your notes. god bless you
Jr. Member
Jan 4, 2017
148 posts
38 upvotes
Hi Regina,

Welcome to Canada! Sorry to hear you fell victim to that, it sounds very similar to other common scams. I'm sure you're already seeing how things are very different here compared to the Philippines, and much more expensive! But the upside to that is there is a lot more regulation and consumer protection. While there's definitely some cash jobs here, overall we are much less of a cash-based society than what you're used to. So that might be part of why the scam didn't really stand out to you.

From my experience, TD is very friendly with newcomers to Canada. In fact, my girlfriend is from the Philippines too and while she was visiting here last summer she even opened a bank and credit card account with TD, they had no problem doing this even though she is not even a Canadian citizen. I think the worst case scenario for you is you may need to create a new email address if you wish to use Interac e-transfer again in the near future. But please beware, as most legitimate employers here are not paying their employees via Interac e-transfer. Almost everyone gets paid by direct deposit straight into your bank account. e-transfer tends to be for more informal or personal uses, although some websites do accept e-transfer as payment when shopping online.

Good luck!
Sr. Member
Apr 21, 2009
941 posts
294 upvotes
Toronto
in April 2014 I sold something to someone online for ~ $700 via eTransfer. At the time I was banking with TD.

A month later I login to my bank account and see that the $700 was reversed and sent back to the sender.

I called TD and they told me that the payment was paid from a "stolen" bank account and that Interac reversed it, and I was also banned from the Interac network. I could not send payments from Interac. I was surprised because I thought Interac payments were non-reversible.

I complained about how I was never notified of this, provided proof of the sale, and they said they could not do anything over the phone and that I'd have to go speak to my branch manager.

So I did, and it didn't go anywhere, what's worse is they treated me like I was the criminal lol.

Branch manager didn't give a ****, and told me he was doing me a favor by not closing my TD accounts. Despite me being the victim here....

I told him I wanted to file a police report since $700 was a lot of money to me back then....but I could not file a police report without having the other parties information (Name/Address etc). The bank manager refused to give any of that to me....

I was in high school at the time so I couldn't do much either.

Cut all ties with TD since then, it's funny how they get rated #1 for customer service every year. I even tried reaching out to the ombudsman back then but still no luck.

Tip: If you are banned from Interac just open a bank account at another bank and your Interac will start working again. Just will never work with the bank that you got banned from.

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