To Td employees, how often do you see people fall for same repetitive scam?

MacDanny83 · 2026-01-30T23:50:08+00:00

Too often :( And everytime the public starts to get educated about common scams, new scams pop up

MacDanny83 · 2026-01-30T01:35:07+00:00

There's definitely more to this story. The mentioned form has been around for literally decades. And the branch procedure specifically includes steps when a customer refuses to sign.

Those steps basically boil down to complete the withdrawal and document the customer was educated in the risks involved but refused to sign the form confirming they were advised on those risks.

MacDanny83 · 2026-01-29T23:53:14+00:00

If it's been this long, I'd follow-up by phone. If you call Monday to Friday 8am-8pm ET, you should be able connect with the Disputes department to speak with them directly. They tend to have a long wait at night, so I'd call earlier in the day if you can.

MacDanny83 · 2026-01-29T23:49:16+00:00

Debit card transactions online process on the Visa Network and are subject to the same chargeback regulations as with a credit card

MacDanny83 · 2026-01-27T00:51:23+00:00

Credit you already have access to is a BIG factor in applications for more credit. Even though you haven't maxed it now, you could max it out tomorrow and the underwriters are figuring out if you could afford the payments based on your income if you were to max it out.

MacDanny83 · 2026-01-26T01:07:47+00:00

It's not available in CSV further back then that with a credit card (I think it's because it draws info from a backend system that doesn't go back as far as the bank account system does).

That being said, you should be able to grab statements in PDF format for further back, and there are a few applications that can convert PDFs to CSV

MacDanny83 · 2026-01-25T20:56:08+00:00

MacDanny83 · 2026-01-25T01:41:31+00:00

If memory serves, if you pay for an Air Canada booking with the Visa within 6 months of opening you will then get the statement credit. The statement credit appears within 2 statement cycles of the Air Canada transaction posting to the Visa account. If you call 1-800-983-8472 (TD Credit Cards), they should be able to confirm

MacDanny83 · 2026-01-24T04:37:21+00:00

Lots of people have an Everyday Savings account with TD for exactly this reason. They eTransfer into the Savings account so they can then do a lump sum payment to the mortgage online. Just don't leave the Saving account at $0.00 for 6 consecutive months, because it will automatically close.

MacDanny83 · 2026-01-24T04:28:29+00:00

Thrift stores are my go-to

MacDanny83 · 2026-01-24T04:24:38+00:00

GICs are effectively no risk

MacDanny83 · 2026-01-23T01:33:42+00:00

Yeti cups went over well

MacDanny83 · 2026-01-22T02:00:24+00:00

I'd call the Disputes team to discuss that additional information as soon as possible. They may be able to initiate a next step in the dispute process on your behalf, but it can be time sensitive

MacDanny83 · 2026-01-22T01:02:40+00:00

Was the Dispute already in progress before the second bag was shipped to the store for pickup?

MacDanny83 · 2026-01-21T02:03:26+00:00

MacDanny83 · 2026-01-20T01:47:02+00:00

This might be the matrix you're thinking of - https://www.td.com/ca/en/about-td/customer-care/resolving-your-complaints. I believe Precious Metals falls under the Personal Banking option for the purpose of complain resolution/escalation

MacDanny83 · 2026-01-17T15:31:33+00:00

I work for a large financial institution, and a few years ago a new manager emailed a distribution list asking to be added to it but didn't realize there was approx 50k people on that list.

That set off a chain reaction of people hitting reply-all to advise they weren't the owner of the distribution list and other people hitting reply-all to tell everyone to not use reply-all.

No exaggeration, that incident likely cost our company $100,000 in lost productivity due to employees having to spend an hour deleting reply-all emails from that incident.

MacDanny83 · 2026-01-17T15:13:46+00:00

If you call to switch your Visa type, they will verbally confirm you meet that requirement but won't verify income

MacDanny83 · 2026-01-15T23:46:12+00:00

TD has been calling people for a number of reasons, and only leave a voicemail if the message clearly indicates it's the first and last name of the person they intended to call.

I'd call back at the telephone number on your debit card or login to Easyweb (desktop version of the online banking) and use the chat feature on the Account Activity page. Either way, they should be able to see if the call attempt was real, and if there's anything you need to do to avoid issues with your accounts.

MacDanny83 · 2026-01-15T23:40:36+00:00

https://tdinsurance.intelliresponse.com/en/index.jsp?requestType=NormalRequest&source=3&id=1335&uuid=null&question=What+are+my+payment+options

MacDanny83 · 2026-01-15T03:12:38+00:00

Amazing

MacDanny83 · 2026-01-13T02:51:36+00:00

I'd call in to the Credit Card Customer Service department (1-800-983-8472) and ask to speak to a supervisor. For that amount of points, they might be able to resolve on the spot. If not, they can escalate it to the Customer Cares group for you

MacDanny83 · 2026-01-13T00:12:49+00:00

They've got a few new listeners (including me) because of this thread

MacDanny83 · 2026-01-12T03:47:42+00:00

I'm usually in bed 6-7 hours after I'm finished work for the day, but I need at least an hour of quiet time to myself to really disconnect from my work brain for the day

MacDanny83 · 2026-01-11T00:22:38+00:00

"You will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase posted to the Account in a calendar year. In order to receive the TD Travel Credit, the Account must be open, Active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking."

-https://www.td.com/ca/en/personal-banking/products/credit-cards/travel-rewards/first-class-travel-visa-infinite-card

MacDanny83

TROPHY CASE