TD Bank Ruined My Life

[@911___________DIVOC]

This is Canada. Where only criminals have rights.

[@GarixDover]

The ones who work hard and keep to their own get screwed!

[@kencochrane2885]

Dont complain about PR scammers that is racist. Just let India take all the jobs and leave young Canadians because to not give precedence to foreigners is racist.

[@Bradiant]

@@kencochrane2885 that’s exactly what these people think. What a sad reality we live in. As if white people aren’t the majority of the poor, and many have the SAME broken families, same relationship issues, drug problems, but in order to be pushed up the list you need to be trans, gay, not white. And then we get to sit and wait for 8hr at the hospital to even see a doctor. In the black communities where they flood money to people because they’re poor and have been for a long time, THERE IS THE LARGER POOR WHITE POPULATION LIVING ACROSS THE STREET. SMH DEI is directly racist.

[@brandond2394]

YES! OMG YES. B.C. is the worst. Go northern b.c and you will be amazed what canada still chooses too do

[@eXTreemator]

🤡 here no one has rights. You definitely haven't been criminal plebs you wouldn't be talking like that. Conditions are abhorent

[@authenticreviews3965]

Shame on Td. They are useless.

[@GarixDover]

Big time! 👏🏽👏🏽

[@starseedlightworker6539]

Weird i have CIBC, decided to use a person instead of the money dispenser, used my card, pin then i had to show ID lol. I guess they handle things differently, not saying it's a good bank, but there might be more security.

[@elkadosh4726]

TD is incredibly sketchy in all financial matters. I banked with them decades ago tried to charge me to close an account with less than $7 in it! I blew up in the bank (with customers in the line) and they just shut it down in my favor so fast. They were also in the news recently about laundering $$$$.

[@Onslaught2k3]

@@authenticreviews3965 I was out of $ to pay NSFs and bank fees in 2007. TD shut my account down before I could cash my first cheque at my new job. Was weird so I left TD and went to CIBC. never looked back.

[@WhittaII]

@@starseedlightworker6539 TD bank was always so aggressive and unhelpful to me that I haven't stepped foot in their doors for about 6 years and solely use my account to store money because I'm too lazy to switch. Switching is happening soon.

[@Onslaught2k3]

TD Bank, as a gesture of goodwill, should have offered to cancel all debts taken without your consent. Also, you don't just show up to a branch with a different gender identity to take out large loans without raising red flags.

[@k-aw-teksleepysageuni8181]

They wouldn't even need to question their gender. Just, OK, what if your SIN, what is your address (if they have to look at their license you deny them). IT was SUCH a simple task to overcome sjw REEE culture or not. I hope OP sues and wins and rips TD and the big 5 banks a new one.

[@user-ld6wo4rv8h]

You do when a woman and her feelings is the teller.

[@ArtisChronicles]

​@@user-ld6wo4rv8h Honestly this

[@canadaexvods2021]

I'm pretty sure the loan is already paid off for the bank. I'm not 100 percent sure, but when a bank provides a loan, instead of waiting for you to pay it back, they instead go to a third party company that buys debt off those banks. This allows the third party company to gain interest of the payments and creates a zero risk situation for the banks.

[@jwoahlnt]

Ive worked at TD before, its their culture. If they questioned the "transgender" person, they'd be fired immediately.

[@bananasunday2845]

This is messed up. This whole DEI thing needs to get toned down

[@WorldKeepsSpinnin]

Welcome to why we dont cater to this stuff. Its like i said. You are all BEGGING evil to come and destroy everyones life. If i was a evil person, man this world would be so easy to navigate the way it is right now.

[@navb0tactual]

Equality means we should all be treated the same. No matter gender, race, sex, or creed. It is crazy we have reverted as a society. If employees were not fearful or reprimands or getting fired, they probably would have spoken up about it. It sucks for actual trans people but that's part of the battle. My friend went through it, and she is now a happier better self after going through all the hoops and trials. Banks questioning her was a part of that before all the paperwork and new ID's went through.

[@RenRenification]

@@navb0tactualhave you seen what TD branches are plastered with these days? Good luck getting equal rights.

[@anikadelabajo759]

I can’t believe they’re putting gender politics over security. This is ridiculous! I’m happy to support transgender people in every possible way, as long as it makes sense and does not get in the way of security of others!

[@TB-cw1gm]

My aunt deposited a multi thousand dollar bank draft from BMO into a newly opened TD investing account to start investing into her retirement. She was told it will take a 1-2 weeks to clear. Two weeks later still 0 dollars in the account. They do an investigation and a week later they tell her they lost it and are doing another "investigation". Another week passes and they found it. It apparently was sent to the wrong department in downtown Toronto. Another 2 weeks pass and they money finally shows up in the account. That's 6 weeks after the initial deposit. She planned to buy S&P500 stocks during that time and basically lost hundreds of dollars in growth during a bull run that happened during those 6 weeks. When she complained, TD gave her a $20 Tim Hortons gift card for the loss. What a joke.

[@GarixDover]

Wow ! That’s wild! This bank does not care about people or keeping our money safe! Only profits

[@GarixDover]

Sorry that happened to you hope it’s better now

[@jackkennedy9209]

A gift card??, I don't think so....

[@exiisgaming7870]

@@jackkennedy9209 lols story almost believable..until the gift card...haha.. and no...i do multiple 100k's draft deposit..its 5 business days always.

[@gosselbrian]

20 dollar gift card??? Insult to injury.

[@user-zb1ri9fn3n]

Contact your MLA, your MP, news programs like W5, Marketplace as this might not be an isolated case. a Fraud bubble could exist where ever this bank management team has been.

[@agodelianshock9422]

Don't bother with leftist MSM. They'll bury this. You gotta get in contact with Rebel News, National Post, Toronto Sun, and other outlets that have something to gain by running the story.

[@wmfulmer]

The Fraud Bubble is worth investigating. G D had opened his account 16 years ago and the problems started when a new manager arrived. As G D asked "what kind of training did the teller receive"? Why do all enquires get referred back to the branch and not to the fraud department of the bank?

[@GarixDover]

Great advice thank you! 🙌🏽

[@user-zb1ri9fn3n]

@@GarixDover I think W5 reported, RCMP shut down their fraud division. Probably in lue of the Federal Governments numerous scandals

[@jackfrost99]

Exactly. Bring them unwanted publicity and you'll see them change really fast. In my area, the local news loves these types of stories.

[@WTF-Cubing]

This story needs to go global.

[@GarixDover]

Yes 100% so no one else falls victim

[@MihaDuV]

Bring your story to CTV and Global TV​@@GarixDover

[@MihaDuV]

​@@GarixDoverRebel News would cover it if the mainstream media won't

[@user-wg2vw3mz1v]

Really? Dude just showed an internet full of thieves and scammers a new loophole for identity theft. You want the TV watching ones to get wise to it too?

[@WTF-Cubing]

@@user-wg2vw3mz1v Scams brought from the shadows into the light don’t survive long, especially if it affects a banks money when people start leaving. So, yeah. Show the world.

[@jimdevlin4949]

If a bank issues a new card without your authority it's on them

[@shakeypeet]

Yes , but they know the law , and will NOT tell YOU .....

[@GarixDover]

Right! 100%

[@robisinhehouse]

Exactly why this smells fishy...

[@jimdevlin4949]

@GarixDover I'm not sure how it works in every different jurisdiction. However, this happened to a close friend, I'd guess 2006, and the card was skimmed. They issued a card without said signature. End of sorry...(back then. And in canada 🇨🇦) we don't pay for lobbies, the folks that have the moneys do. Thus the fine print. Edit: it changes as we go.❤️🇨🇦🫎

[@gottabekd23]

It is the law. You have 2 years to take it to court. TD dragged it out over 2 years. This guy thought everything was being dealt with as both TD and the RCMP made it seem like they were working on getting the issue fixed and by the time he finally talked to a lawyer it was already too late to go after TD as the 2 years had passed... If he had a lawyer take TD to court any time within the 2 years I think this would have been an open and shut case.

[@Vinlyguyx420x]

Absolutely INSANE I went to TD as a legal trustee on behalf of my Mom who ended up incurring a life changing brain injury at age 50. I had the proper legal paperwork after talking and paying $5000+ to a trusteeship / power of attorney lawyer. She provided me with a “Notarial of trusteeship” which is equivalent to power of attorney in my Moms situation. These GENIUSES at TD refused to recognize a 100% legit (and expensive as hell) legal document because they thought they knew more then my lawyer???? It took 6months to close her accounts down after setting up meetings with THREE DIFFERENT managers at the same branch????? Every other bank I had to do the same business with helped me out within 1 day. TD should stand for Totally Demented lol!

[@greatwhitenorth4043]

A TD financial advisor took $20,000 from our account without our authorization . We noticed right away because the funds were needed for a purchase. When we demanded that this money be returned they said it would take a week to 10 days. To this day we don't know if this employee got and kept his commission or was fired.

[@joefer5360]

God. I hate the banking system.

[@GarixDover]

You and me both my friend!

[@HeavilyCensoredKitty]

@@GarixDoverJesus did too he whipped the Bankers.

[@GarixDover]

Amen!

[@kuanged]

​@@HeavilyCensoredKittyYeah, we all hate the bankers for the evil they do. Then Jesus puts these irreedemable evildoers in hell for eternity and people go, "Now just hold on a minute..."

[@algorerhyth]

who runs the banking system? #freepalestine

[@MrDUBMACK]

I noticed my mortgage payment was not the amount it should have been. I questioned TD and thats said thats weird, I asked if I was paying someone elses mortgage, they said no, thats not possible, go talk to the bank where the money is drawn from, we dont know where its going and we cant help you. Lucky for me the manager at the other bank, where the money was drawing from, was a great guy and wanted to get to the bottom of it. He went through back channels to find out where the money was going, turns out i was paying SOMEONE ELSES MORTGAGE! i brought this info back to TD and they denied anything had happened and nothing was wrong, took zero responsibility. I washed my hands of TD from that day.

[@GarixDover]

Wow I’m so sorry that happened to you! That’s crazy

[@erickrgarcia]

Just sent your story to my friend that something just as terrible has happened to him recently, also TD client! Goodluck man.

[@MrDUBMACK]

@@erickrgarcia it got sorted pretty quickly, but the kicker for me was TD was receiving the payment and they wouldn't give me any info or take any responsibility as to where my money was going. They denied there could even be a problem and told me to go to the bank where the funds were coming from and figure it out. It got sorted but no responsibility was taken and I'm not even sure how it was settled, the amounts were wrong to begin with... TD, never again.

[@bernl178]

All the laws are designed to protect the banks, not you, and they were made by the banks to protect them. That’s a huge issue.

[@en75423]

You should sue their butts off if you can, I know all the shenanigans that come with suing them are a pain in the ass, but if you able to sue them successful, you will get pay big time

[@clintfox5111]

If it was not for you, the police would not have been able to capture these criminals. Thanks for informing us on this corruption within TD.

[@GarixDover]

Have to stop it from happening to anyone else! Appreciate you!

[@k1sm3ttt]

so your saying the police who are corrupt had no idea? no offense

[@eXTreemator]

Lice are biggest criminals. Don't try asking them to help

[@jmacc9876]

​@@k1sm3tttwhat? Please explain any police wrongdoing in this situation. He's saying TD Bank (who neglected to protect his financials) was doing Fk all about the situation. The hero in this whole situation was the car dealer who noticed red flags and immediately did the right thing to inform the victim, asked if he wanted to get the police involved, victim said yes and the police set up a sting op to catch the criminal. Police acted accordingly in service of the public. Anything that happens with the criminal now is up to the courts, these days judges are pathologically leniant to criminals, so expect nothing much. The main gripe is with the banking institution which apparently doesn't know how to safeguard anything and is off the hook from any legal recourse. That is where the corruption is to be found in this situation.

[@DL101ca]

Capture ? I'm sure the catch n release program is in full force here in Canada...you can see the results.

[@loca420]

I sent this to Rebel News, all Canadians need to know about this

[@GarixDover]

Thank you !! I honestly never thought of them! That’s great idea they would be perfect for this kind of story !

[@johnboko7110]

Ezra or one of his crew team might go and interview him they already had one story about Scotiabank cancelling a old lady account just because she dare to question their double standard DEI policy.

[@MARINE255]

Was thinking the same thing and did a ctl-f to see if I was the only one with this idea. This is up there with the Amish Arrive-Scam story... Canada is more broken everyday...

[@Wernerbrandes8088]

Simply disgusting. Laws need to change and banks need to be held accountable.

[@GarixDover]

Agreed!

[@joeybeaulieu1666]

@Wernerbrandes8088 No offense intended, laws are in place. The problem is the laws are not enforced unless one presents them in court to have them addressed. The court system is representative of an elitist society. One needs cash and time to access the court system to petition them to address a "perceived infraction". I say perceived infraction because justice is supposedly blind and it is up to the plaintiff to justify their position and ask for restitution. The plaintiff must pay to access the court system, pay to prove wrong doing, regardless of what any law states or who witnesses an infraction. I hope I've successfully illustrated that in Canada justice is not equal for all but is paid for and exists only for those with the most resources and not on written laws or morality. Any corporation or person can get away with a crime by simply outlasting the funds of their opposition. We as a society can outlast deep pockets by collectively and publicly boycotting an offender, holding them publicly accountable until restitution is made. Without customers TD will lose money quickly and attract the negative attention of their shareholders. If we do nothing then we by default show TD that they are right and innocent of any wrongdoing. The law, like freedom is only as powerful as the number of people willing to stand up for it or the amount of money that can purchase it.

[@vadimkozlov3008]

Closed my TD account a few years ago because of the fees. They refused to close the account unless i provided a reason. I kept telling them i dont need a reason other than not liking them. They insisted on needing an official reason for the record. I eventually told them im closing the account because : "im going to go party in the USA" they got pissy with me and closed the account.

[@GarixDover]

Wow that’s insane ! Where does this business end!

[@MrEastsidejamie]

Thats hilarious

[@cestmoi7368]

I had a similar issue at BMO. My card was eaten at an ATM. Minutes later the branch, which was closed, started racking up charges to my account. I was getting notifications of $400 transactions every couple of minutes. I went to my home branch when they opened the next day. They all but accused ME of making the withdrawals… It was clearly an inside job as the ATM was only accessible to employees. It took weeks to resolve the issue, despite my being in THEIR camera when the card was taken by the ATM. A little while later I closed my account. I didn’t appreciate being treated like a criminal on top of their many mistakes. Shortly after that my regular credit monitoring showed me I had a “negative” notation next to my closed BMO account… BMO had reported me as closing my account improperly and it out a negative remark on my credit score. Took a year to clear it….. Big banks blow chunks.

[@chris4321das]

That IS insane, like Paypal attempting to *punish* wrongthink 👎

[@ManuFortis]

Actually, it makes sense they were asking. But not for the reason you probably figure I am about to bring up. Usually people figure it's just because of security reasons, etc. In this case, it's because the big banks are on life support right now from the BoC, with them receiving huge payments to help keep them afloat. They are scared of a run on the bank, and are trying to keep any and all assets in their holdings as much as possible. They've been worried for a while now, but it's only been getting worse and worse. I heavily suggest anyone reading this to consider switching banks. Away from the big ones. They need to fail, but it needs to happen after everyone smart enough to listen does exactly that and switches before it is too late. Doesn't matter if there is insurance covering your savings like the CIDC for instance. It is what they are meant for, but if the banks fail badly enough it will require being bailed out. That's the result we do not want as a society. They need to fail after everyone has left their service, so that the bail out isn't necessary. Go look at cooperative banks in the mean time, or some other bank of some other form. Basically any other bank that isn't TD, or Scotia, or RBC, etc. And make sure they aren't a subsidiary of them. Tangerine for instance is Scotiabank.

[@user-sq9lk8bk5q]

I smell a law suit. Get a good lawyer and go after them you are owed compensation.

[@quantumhelium]

TD has legions of lawyers and the are ready to pay a 20 billion dollar fine to stay in the US (current news), they could care less about Canada.

[@mohammedgoder]

Please do this. They need to be held accountable. I wish you the best.

[@y2kblackout]

He's out of time.

[@mink8595]

He is already in a bad spot financially, seems risky when they have all the lawyer money

[@anniw.4737]

Crowdfunding?

[@Ruthless_Robbery]

That's horrifying man, I don't understand how they can steal your money and not be held accountable. Sickening.

[@missf4681]

So sue the teller personally . Shes responsible she handed out your information. Sue her ass off

[@GarixDover]

Iv been hearing this more and more! Not sure if I can as I’m past the 2 year mark!

[@Paroseni.]

​@@GarixDoverconsult a lawyer

[@NeilTheBoss12]

Why not sure the person that stole your wallet??​@@GarixDover

[@nate-675]

@@GarixDoverhonestly this 2 year thing is bullshit. CRA comes after you after years of not notifying you of anything.

[@crazydawgman]

You can't, you would have to sue TD as the employee was acting as their representative, not as a private individual

[@ilikemetroid]

This is fucking terrifying. I'm 31 years old, and I've had a bank account with TD since I was around 9 years old, I remember my dad taking me to open an account. I'm considering changing banks because of this. Hope you get this resolved or TD does something about it.

[@GarixDover]

I’m the same my grandfather took me when I was 16. I’m 31 years old now. Never had an issue until this.

[@chicoandthem4n]

Just dont come over to cibc, worst garbage bank in history of banks

[@KhalilShqair]

I’m not surprised. TD treats its customers as an opposite. When I’m at TD I feel like I’m at boarder crossings. They have ZERO sense with policies and how they approve things.

[@GarixDover]

Horrible service

[@jeanclaude2794]

Its not just TD...welcome to unethical corporate greed. the government is to blame...

[@JonesyTheFirst69]

That employee is the real problem, needs to be fired and never work for a bank again, or pay the damages

[@M_SC]

No, people make mistakes. The bank is to blame. Their training and security system was such that a person with no info about the account could take it. The company is responsible for the tellers mistake in this case but even if it’s not, the employee works for them so legally they are responsible anyway

[@nate-675]

@@M_SCthey need to be held accountable. Their small mistake ruined this man’s life. This liberal crap is why we’re in this in the first place.

[@kingchongy1712]

@@M_SCthats why companies make policies that allow them to not take responsibility and fire the employee. This is a huge problem though because the employee probably didn’t want to “offend” said customer. Lose/ lose situation for the employee

[@andrescheckyoutube6200]

Employee was in as well...

[@shadowstark]

@@M_SC Do we actually know that this was an honest mistake? I've had to bring in multiple pieces of government issued photo IDs before TD would deal with an account for me. They turned me away with a driver's license AND knowledge of what was in the account.

[@eligefashion]

This is so fucked up. I hate what Canada has become..

[@GarixDover]

Yup! You and me both!

[@majorpatty8092]

I’m currently a victim of identity theft and my life is F€#&ed the ability for someone to take your identity and go into finical institutions and get loans is insane. You have no idea how much I want the ☠️ penalty for these types of crimes, but let’s remember we live in Canada where criminals can do whatever they want and the average Joe is expendable.

[@GarixDover]

Daum! They got you too eh! Sorry to hear that ! Hope it works out for you in the end this shit sucks

[@jonathanfarnum4884]

TD Bank was negligent. When I use a debit card I need to know the PIN. If I don't know the PIN then I need to answer SECURITY QUESITIONS. If I fail the security questions that bank usually will not transact any business on your accounts. The laws in Canada favour criminal activity. It's a system where no one is at fault but the victim. I would pursue your losses by other peaceful means. This is really a wake up call regarding securing you identity. Why isn't the trans perpetrator held accountable? That debt should stay with him/her/it until death. without stronger laws crime is going to be encouraged. A criminal haven is a shit-hole backward third-world country. Crime unchecked begets crime. Crime begets violence and violence begets war. And war begets death. Welcome to Justin Trudeau's Liberal Dystopia. You are a level-headed lad. I will pray the God restore your wealth.

[@billspencer8540]

What do you expect from this proud WEF partner ?

[@realdealio1]

So true, i've been trying to tell people this.

[@billspencer8540]

@realdealio1 Most people are too ignorant but then complain when they got nipped in the a$$ by their ignorance. Mind you, it's not just TD bank. It's all canadian banks that are on the team.

[@EagleEye8208]

Banks know there are statute of limitations on identity fraud cases, so they just draw the process long enough to avoid criminal or civil liability.

[@GarixDover]

Exactly what they did, you nailed it

[@chucknorris3752]

Robbing a bank has no statute of limitations, but when the bank robs you suddenly 2 years was an eternity ago. Canada is owned by a handful of oligopolies.

[@iamtheiconoclast3]

I am honestly not shocked. I had a wallet stolen and a man of a different ethnicity walked into my home branch, cashed my paycheque, closed my bank account, took out all my money, and left. The bank did help me in this case... but then they made my life miserable doing extensive identity verification and basically treated me like a criminal at every transaction for the next several years.

[@iamtheiconoclast3]

TD of course.

[@The_Prince770]

did u get ur money back

[@MatMicMarGaming]

This country has become parody. Like this story sounds a premise that would happen on South Park, and here it's just life. Sorry your going through this man.

[@user-xg2or5pz6y]

The bottom line is the lady there handed out your password, when she was not supposed to. She breached company protocol. They have camera footage of the person going in with your card. All the evidence is there. Based on the money you lost and time you had to deal with this you should be sueing them. There are many lawyers of you bring them a case like this they will work free until a settlement is paid and then they will take there cut. But that's good a lawyer will look at the case and say, "yes this is a good case", which it is. Even if they take 50percent, there's no pressure on you because if they don't succeed you don't pay. They are also driven to work as hard as they can be cause the more they get the more there payed. I think it's called working pro bono. I think a lot of these banks think they can do stuff like this because you won't fight back. But then when you do, there go into panic mode. And from what I understand they'll will try and settle the matter out of court and fast. Let's say they offer a settlement of 200k and you get 100k. I think that's pretty fair, and would likely compensate at least for a portion of this screw up. Definatly leave a bunch of messages for some lawyers or write a general email and send it off bulk style. I believe you should definitely be compensated for this. You may have to meet with a bunch of lawyers but most of them will do a free 30 min intake I think. They don't want to potentially have to pay millions, and it could mean a really fast settlement.

[@user-xg2or5pz6y]

TD broke there own privacy rules and caused a lot of damage. That's why lawyers exist. Just sue them man, you could potentially retire off it...

[@GarixDover]

Iv looked into this with a lawyer and they told me since it’s been over 2 years I no longer am eligible to sue…I was not sure that was even a thing !

[@EvelynSaungikar]

@@GarixDoversince you have documentation that you tried to pursue it within the two years but were blocked by the defendant, can you start a suit about obstruction of justice?

[@laars0001]

Go higher, go to the federal Office of the Superintendent of Financial Institutions, copy the MP of your Province.

[@Infinion]

@@GarixDover second opinion, 3rd opinion? Keep going

[@lovehand9531]

TD has blocked my purchases claiming they were suspicious. During the shutdown, they blocked me from setting up an online shopping account to buy food. When I questioned them about it, they said it was for my security. HA! How is blocking MY purchases for my security? It was for THEIR OWN security.

[@GarixDover]

They are a dirty company ! Only looking out for profits! Not you or I

[@trashyspeeds266]

Tbf. Online buying is way more acceptable to attacks. I do see where they are coming from on that front

[@Swux]

this feature is commonplace lol. sounds almost completely unrelated to the topic of this video.

[@jon4139]

​​@@trashyspeeds266 of course, it happened to me recently with a $2400 plane ticket purchase. But I had mfa set up, entered my one time pin along with my cc info. What is the purpose of such an authentication method if they are going to block it anyway?

[@kareeeeeeeeeeee]

complaining when they do try protecting you… better safe than sorry. Always something to complain about lol.

[@brookerobitaille745]

I stopped bank with them 20 years ago. Their fees are rediculous.

[@GarixDover]

Oh 100% TD Sucks

[@brainybananaproduction]

Are the fees cheaper elsewhere? Honest question.

[@Themiddleman416]

@@brainybananaproductionyes but you don't get half the benefits you get with TD and you're even more restricted on how many daily transactions you can do and how much you can spend of your own money in a day when it comes to PC financial, Koho etc that offer no fee accounts. They also sell all your account activity to third parties. I'll pay the $13 a month for unlimited daily transactions and the ability to use all my money when I want to plus privacy alone.

[@laurazanon4697]

Get a high powered lawyer!

[@brookerobitaille745]

@@brainybananaproduction cibc fees way lower

[@joeybeaulieu1666]

That sucks man. I feel for you, going through something similar but at retirement age. Lost my house, vehicles and currently homeless because of the actions of First Onsite Restoration and the City of Grande Prairie. The TD should absolutely be held responsible. They held the keys to your finances and made the decision, without your consent, to unlock your account and allow strangers in. Thanks for sharing your experience and showing us that TD lacks the integrity to take responsibility for their actions. I will never deal with them and will share your story as to the reason why. I wish you the best of good fortunes.

[@TCMMedicine]

We should all donate to his legal fees. This affects ALL OF US.

[@GarixDover]

Very kind of you to suggest but I’ll manage! Thank you though! 👊🏽🙌🏽

[@IanBell-sx5tg]

TD has been a nightmare for decades

[@Rentcollector]

The problem is all Canadian banks are equally bad. That’s what happens when you don’t have private competition

[@kims8317]

It goes far beyond just Canadian banks. ALL of Canada's federal institutions utilize the exact same bogus "resolution process" as detailed in my comment here. In a nutshell, "...internal remedies for such complaints are ineffective because they are dependent upon the 'chain of command,' which is often made up of those who were either responsible for the offending behaviour or acted to protect others ... this chain of command perpetuated a toxic work climate, characterized by abuses of power." The system is designed so that the house always wins. Period. Anyone who has been through the complaint process with Canada's federal banks, police, healthcare, or other institutions will have experienced this firsthand.

[@GarixDover]

Agreed

[@thikim2554]

I have bad experience with RBC, too

[@okigi-wo5zm]

Td sucks in New York too.

[@brainybananaproduction]

Damn, I was going to drop Scotia because the customer service is abysmal. Royal is awful too. What to do?

[@ductdang]

Easier for fake person to do the crime; than the real person to fix the crime. Crappy, something ain't right.

[@GarixDover]

Blows my mind brother! Blows my mind!!

[@goergerussell4017]

TD was charging me services fees at 11 years old when i was doing newspaper deliveries. They're scum

[@ValCaPoNe]

I have a friend that is going through something similar right now. She was caught in some "beekeeper" (a movie) kind of scheme... she was called by "RBC" because her account was scammed (plot twist: it wasnt RBC) and by the time she realised it was sketchy and not RBC she was minus 15000$ through loans and stuff. Someone at RBC didnt do their job and same as you, theyre now telling her that "its going to take time" and shes told not to leave RBC because its going to be shady (theyre still trying to pin this on her) ... shes 40. A week before that she was stoked because she managed to pay a good amount of debts and her credit score was in the 800s . We work in the corporate world ... shes told that she cant act up at work because of tgis but it litteraly ruined her life. Shes getting gas lit from all sides.. feeling paranoid (rightfully so) Its fkn awful. I dont wish that on my worst enemy 😔

[@transitionshotline]

Canadian Banks fall under PIPEDA, the Personal Information Protection and Electronic Documents Act. Also the Financial Ombudsman can investigate. There is no statute of limitations with PIPEDA, or with the Financial Ombudsman. If found in violation, then the statute of limitations with respect to civil litigation will be reset. Edited to Add: The best part is both of these avenues cost nothing to pursue and PIPEDA will award you $10K if your claims can be verified.

[@lesliehunter1823]

Ombudsman useless. Doesnt answer phone or call back. My issue was TD.

[@transitionshotline]

@@lesliehunter1823 You need documentation, they cannot ignore that, I know from experience and I have been successful.

[@k-aw-teksleepysageuni8181]

Yeahhh... Heh. GOod luck chuck... That 7 year wait time to clear debt will look like a walk..,..But hey if you wanna push papers and make financial calls on the weekends for the nest 10+ years for a juicy $10,000 nugget at the end, feel free. WELCOME TO C A N A D UHHHHHHHH

[@thefreestylefrEaK]

I had a TD account back in 2010. Closed it and will NEVER bank with them again.

[@cromana5574]

which ones are better? I see problems everywhere, so many new comers with no experience as tellers.

[@GarixDover]

Iv still yet to find one! Iv been looking iv tried 2 since and still had issues!

[@NoProjectName]

@@GarixDover Simplii financial. Been with them for 8 years no issues. Not one single fee EVER. They never took a penny of mine and have only given me money. TD,BMO, and Scotiabank are all crooks.

[@mobil3d505]

@@cromana5574 No banks are realistically secure. They will always try to find some way of making u more in depth to make money, especially the employees.

[@leeeduncan]

That guy probably didn't even do any tine and is out committing more fraud..

[@GarixDover]

Oh I wouldn’t doubt it ! 🙄

[@martynobs6970]

@@GarixDover Start a civil lawsuit against him

[@de_stroyed]

I'm so glad I ditched TD ages ago. Something similar happened to me except with RBC and they instantly helped me get all my money back. This all was in a matter of weeks. I did not need to go through some lengthy BS "investigation" process. I know for a fact if this happened with TD, I would've been screwed. It's funny that they have "Canada Trust" in their name because no sane Canadian would ever trust them.

[@youtubasoarus]

I'd lawyer up. Seems like an easy case for a proper attorney. Edit: oh looks like you already went into this. Our country is being taken over by criminals.

[@GarixDover]

Yeah, unfortunately I’m trying but I don’t know what I’ll be able to do appreciate the advice. Thank you.

[@luciodelgado]

HOPE THIS VIDEO BECOME VIRAL! There was a case a few months ago in Canada, where a customer wanted $$$$ (4 digits) in cash, to purchase a used car for his friend, and the bank refuse him. Refuse to give him his own money. No physical cash!

[@GarixDover]

Wow! The more I find out about this bank it’s a blessing in disguise that I’m no king with them!

[@luciodelgado]

@@GarixDover HERE IS THE STORY ABOUT THE $$$$ 4 digits... the title of the video on KZbin is: Oh No! Banks REMOVING CASH and moving to ALL digital future | Redacted w Natali & Clayton Morris on REDACTED channel kzbin.info/www/bejne/jJnJdn9-od57ipo

[@jimgaston9863]

You have to make a “request” for your own money and took me a week and a half to get 5 grand 😢

[@GarixDover]

It sickening ! It’s YOUR money!

[@snowwhite2709]

​@@jimgaston9863Branches only keep enough in the branch for what they anticipate they need to run on. Some days they run low, as they get a lot of wds, some days they take in more, due to business bringing in deps. This is why they may ask you to order if it is a larger amount.

[@CoconutPatel]

After this, going to look into closing my account at TD. THANK YOU for sharing so we know the BS tgat TD is capable of. 👊🏼

[@GarixDover]

Yea! I do not want anyone to ever have to deal with this!! Best of luck to you on your financial endeavours

[@ReAl-uu8ku]

TD was the first bank who froze people' s bank accounts in February 2022 for $10 donation on line to freedom convey

[@Paroseni.]

Use cibc instead

[@NoProjectName]

@@Paroseni. Simplii is even better. Why pay fees when you can get the exact same service free? (Actually better since you can do everything on the phone not forced to meet in person)

[@Paroseni.]

@NoProjectName I don't pay fees on my youth account. I plan to keep it til I have a full time job after uni. It has a great interface, and my credit card has a generous limit for just turning 19

[@Level70-x4d]

I left TD in 2013. They lost multiple important documents that had my sensitive personal information on it. I was livid. I have no idea who may have them. They also put all my deposited checks on a 5 day hold despite having a great credit rating and being a customer for 20 years. I left TD and split my assets between another bank and a credit union. When I heard about the money laundering scandal involving TD in the US it did not surprise me. I work for another bank and they make you take courses about money laundering, terrorist financing, fraud and cyber security every year so the training seems to be there at least at my bank.

[@GarixDover]

Wow! That’s wild! I never knew. Thanks for sharing! Good on you for getting out of TD!

[@snowwhite2709]

Td also has the training. Worked there for many years. I think they are pushing employee sales goals so much, that the employees are focusing on that, so missing other things they should be catching. It takes time between clients sometimes, where you have to have the teller close, to complete documentation. When you have lineups, supervisors are on your behind to be open.

[@brandynlavemaa3541]

Completely unacceptable. I wouldn't get off the fraud line till they refunded me.

[@denisewong3958]

That is a scary story. Can't believe the TD employee issue a replacement card when that person doesn't even have proper ID.

[@DiabeticDawg]

Td has been caught and charged for opening cards/accounts without client knowledge previously. Make this public. Don’t work through the ombudsman because they rule in favour of the FI 95% of the time

[@transitionshotline]

That is probably because most people who go to the Ombudsman do so without documentation. I dealt with the Ontario Ombudsman who has the same reputation, but I hit it out of the park, because...documents.

[@user-1hu2s]

Will never use TD if they don't remediate this. Not a bank we can trust if this is how they operate!

[@GarixDover]

Yup! This is the sad reality

[@trashyspeeds266]

This is how every bank operates. We just happened to catch td with their pants down

[@vancegosselin]

It costs me 25.00 a month for the priveledge of using my own money,

[@GarixDover]

Right! Keep your money with us… but we’ll charge you to use it, move it, touch it! Anything… crooks

[@RowdyEnt.]

Give them $100 and they loan out $1100. Biggest scam ever.

[@callias6007]

Weird. Idk if its a TD only thing to pay for leaving your money in your bank, but in mine i have this thing where inpay nothing and have unlimited transactions if i keep enough money in my account. Maybe you should see if there are different deals that make you pay less or no fees

[@Day-ZDuke]

@@callias6007...TD has the same thing. If you keep a balance above a certain value, they will waive your monthly account fee. I think it’s $2000 or $2500, can’t recall the exact amount

[@boston10zx28]

@@callias6007 TD has that, you just need a balance of over $10,000 in your chequing account at all times throughout the month.

[@FatOlli]

There absolutely has to be a way to sue, regardless of that 2 year clause they claim. Especially if they maintain control over the time period for "internal investigation" it would be easy to argue they can purposefully go over that timeframe. Hope everything gets sorted for you keep fighting because they are incredibly liable for this.

[@FirestormDDash]

This is like a allégorie on what recently fucked up my life. Was in a bad medical mishap. I recovered fast enough.. But precautions demanded me to be halted from, lots of things, including work. Government enforced. Got bills tho. “But don’t worry there is many programs to allow you income”… Denied by them all since medical documents didn’t prove to them I “could not return to work sooner”. I have to eat that shit muffin and be happy about it.🎉

[@GarixDover]

Wild story! I’m sorry that happened truly not fair at all! Hope everything works out for you my friend !

[@FirestormDDash]

@@GarixDover A truly divine government policy saved me nearing the final stretch. If no symptoms from a medical conclusion shows for 6 months, I am free to return to work/drive. Even doing followup with my doctor: "Wait, you're driving who cleared that?" "Oh... the government" Kinda funny how surprised they are to not allowing myself to be screwed over. But much like you. Starting from scratch but rebuilding. Thank you for the thought. You power climb that mountain too. Become King again!

[@ScruffyWarlord]

You need to bring this story to the media so it gets spread everywhere.

[@user-ld6wo4rv8h]

The media is overrun with incompetent woman just like that teller.

[@crazzyickman159]

Td bank failed to keep your personal information secure

[@chisp231]

the bank teller should be the one responsible for not following bank guidelines put in place for these reason did she call your original bank to find out more information about you in front of her

[@GarixDover]

Nothing was done , until I came into my bank to see why my card wasn’t working!

[@RB-lw8zu]

TD tricked me into getting the most expensive monthly chequing account option when i was 18. Did realize i was overpaying by $10 a month till my 30’s

[@user-sf9gs2pg1b]

Wow! If you were overpaying for 12 years, that would be $1,440, more in potential money considering the money could’ve been added over time into a savings account and increased over the years.

[@Forty8-Forty5-Fifty8]

It's a bit ironic that people say you should only trust your banker when they are probably the least trustworthy. They directly benefit from your financial investments in their institution and are pushy with shoving unwanted unsolicited offers down your throat. They would happily bury you in high interest rate lines of credit without properly explaining how any of it works. They would then pat themselves on the back as your home gets foreclosed and all your belongings get repossessed. They are worse than a car salesman, at least the car salesman has an excuse and didn't study for a finance-related degree. These people went to university for 4-6 years to study tactics to squeeze your wallet dry.

[@RenRenification]

The most expensive model is 29.95 a month now.

[@TheBushcraftontario]

The time limit required by the statue of limitation is for a personal law suit for damages, they can still be charged criminally for fraud. Pressure the authorities to charge the bank for professional negligence and for being an accomplice to fraud.

[@jjlad5037]

I became a TD customer when they purchased Canada Trust some 25 years ago. It's been down hill ever since. We parted ways last year. I now do ZERO business with TD.

[@clobberella]

I miss Canada Trust :(

[@jjlad5037]

@@clobberella ...Mee too...that was a very sad day when they sold out to TD.

[@jimidcanada]

Do not forget that TD was very cooperative closing accounts for Trudeau and Freeland and the Liberal-NDP Party of Canada.

[@RockoRocko-rz7kx]

Unfortunately All the banks did. It’s fuking disgusting

[@Onslaught2k3]

Any evidence to support your baseless political conjecture?

[@TeaBurn]

@@Onslaught2k3 Trucker convoy during covid lockdowns. Bank accounts frozen and/or seized. Later proven in the highest courts that the use of the Emergency Act were unconstitutional (the Liberal government broke the law). You must have been living under a rock as it was all over the news. You can easily find this from a simple google search, with the headline _"Judge says Canada’s use of Emergencies Act to quell truckers’ protests over COVID was unreasonable"._

[@OhBlivEUn]

Who should I bank with?

[@MissMonkeyNinja]

@@Onslaught2k3are u stupid?? This was international news at the time??

[@grabasandwich]

Social engineering will never end as long as humans exist. Sorry to hear you went thru this.

[@eckyle]

That's a wild circumstance. I used to bank with TD, but they are horrendous!! I switched everything over to another bank. Avoid TD bank at all costs!

[@sofiashakur3116]

This is an insane story holy crap. I hope that you can get justice and please keep us all updated! Best of luck to you

[@lignow9762]

I had to talk visa last year. After 49 minutes on the phone a lady with very bad English with a small baby crying in the background, I had to try again the next day. It took 3 more days to talk to somebody.

[@GarixDover]

Oh yea you NEVER get to talk to anyone , it’s computer responses or brings me back to the branch

[@timcat1004]

Back in the 90's I assumed a mortgage which was through TD. When that mortgage came up for renewal they would not negotiate a lower rate. Rates were in double digits back then. They wanted to renew me at 12.6% I went with BMO for 6% TD phoned me and wanted to know what rate I got with BMO, I told them to phuck off instead.

[@Powerfulslots]

Worst bank.

[@GarixDover]

Could not agree more! 👏🏽

[@Powerfulslots]

@@GarixDover Useless as the President of Canada.

[@Paroseni.]

​@@GarixDoveruse cibc

[@Forty8-Forty5-Fifty8]

HSBC and RBC are worse

[@susieh8103]

I'm so so sorry this happened to you 😔 Thanks for sharing and raising awareness, you have made a big difference ! . Hope all gets resolved soon 🙏

[@GarixDover]

Thank you I appreciate you big time!

[@alimck007]

Thank you for sharing your story, so sorry this happened to you. Hoping this video attracts more attention. Banks should be held responsible for such negligence on their part.

[@CritCommanda]

TD Bank has been the worst for a long time. I left them over a decade ago and never looked back.

[@GarixDover]

Smart very very smart

[@user-dx6bm8in6f]

Lawyer, Lawyer! Sorry Bro, Understand that TD doesn’t care! Serve them papers. May take some time but Head Office will respond when called into Court!

[@GarixDover]

Unfortunately, it appears I’ve waited too long. I am past the two-year threshold that they give you to legally take action. I never took action due to being told it’s an ongoing process and takes time I thought we would solve it.

[@citrine6469]

@@GarixDover no im sure you can still sue them. Consult a lawyer

[@demo6450]

I've been with TD for over 45 years and they have recently denied me access to my accounts so I can't pay rent or even buy food once I get the proper documentary I will be dropping my accounts with and most of my family has already dropped their accounts with TD and have already benefited but not such line ups and costumer curtisy

[@Ms42Night]

As a trans dude, I’ve had people at TD stop me, they fucking asked me for multiple peices of ID. Which is so important!

[@ryanhallyyc]

hire a lawyer and/or file a lawsuit. claim the legal fees on top of the amount you are owed and any other expenses. they will be obligated to explain themselves in court, and they will have no ability to defend their actions if what you are saying is fact.

[@adamjohnson8995]

I know its illegal for a company to provide personal information to anyone that is not the account holder. if there are reasonable grounds to believe that the disclosure is necessary to assess, reduce or eliminate a risk of serious harm to a person or group. to a law enforcement agency in Canada to aid an investigation. I would suggest consulting a lawyer and the maybe even the Media to address this issue.

[@MistyHoffman737]

*Larry Burkett's book on "Giving and Tithing" drew me closer to God and helped my spirituality. 2020 was a year I literally lived it. I cashed in my life savings and gave it all away. My total giving amounted to 40,000 dollars. Everyone thought I was delusional. Today, 1 receive 85,000 dollars every two months. I have a property in Calabasas, CA, and travel a lot. God has promoted me more than once and opened doors for me to live beyond my dreams. God kept to his promises to and for me*

[@JacksonChristopher80]

There's wonder working power in following Kingdom principles on giving and tithing. Hallelujah!

[@GodSent559]

But then, how do you get all that in that period of time? What is it you do please, mind sharing?

[@MistyHoffman737]

It is the digital market. That's been the secret to this wealth transfer. A lot of folks in the US and abroad are getting so much from it, God has been good to my household Thank you Jesus

[@MistyHoffman737]

And thanks to my co-worker (Michael) who suggested Ms Susan Jane Christy

[@Amyelrodg]

So nice to see Susan Jane Christy talked about here. Her good works are speaking already, and like wild fire, she's spreading.

[@jemmrich]

This is very very good to know about TD! Thanks for speaking up and I really hope that things work out for you sooner rather than later!

[@danca5719]

TD should permanently close for business. What a garbage bank.

[@MrDwightsimon]

This is why we need a MASSIVE bank run! Get your money out now!!

[@bernl178]

Sounds to me like she might’ve been an insider. She might’ve been part of this plan. This TD employee might’ve been in on it? Wow what an incredible story.

[@jimgaston9863]

I was in hospital for 6 months with a spinal cord injury and in the chaos that follows such an injury I let the 1 year time period to claim my insurance on my mortgage and line of credit expire. This is how banks screw you out of your coverage,this should not be allowed. I paid for that insurance and just because my health delayed my application is no reason not to pay out. Banks are crooked in general but Td screwed me also😢

[@GarixDover]

That’s so sad to hear ! I can’t believe that. Hope you’re doing better! Wishing you all the best!

[@jimgaston9863]

Thank you,it’s not just banks it’s the insurance companies as well,you think you have coverage until you don’t. I also wasn’t paid out on a disability insurance claim for $500,000 because my SCI has to be “permanent and irreversible” and I have “limited” return of some use of my legs. The whole system is corrupt

[@SilverBullet93GT]

They prey on people like you , because you are a nice person and even after THEY defrauded you, you still want to be a responsible adult. As soon as you realize , not only the banks, but the whole system is against you, you can have a change of heart and play a game that is more tough with them .

[@GarixDover]

You’re 100% correct ! Hard lesson to learn but I know now and what to make sure it never happens to anyone else

[@SilverBullet93GT]

@@GarixDover so basically now the criminal gal (or guy) is still using your identity ? i feel like there would be a way to start at a government clerical level, maybe sin number etc, then continue with an equifax request and Transunion, get them to revert your account to the date previous to the attack. if that fails, maybe a more aggressive lawyer (a Jimmy McGill type) combined with a direct action to the media outlets, especially investigative journalists. I hate to say , but if all fails, think about an insolvency trustee, you'll be a brand new fresh and clean persona 3 years later.

[@SilverBullet93GT]

@@GarixDover kzbin.info/www/bejne/b5DEgZaneJtnhc0si=_0Nenq0ebCxxy_HX

[@ascensyon]

td bank is liable 100%, sue their asses, there was an admitted breach of security and privacy on the banks part.

[@MrThePercussionist]

Hey GarixDover, I am saddening hearing stories like this and how Canada has gone off the rails in every which way since COVID. I am sorry you're going through this. Justin-

[@Respawnsdaily]

Had a mortgage with TD years ago . Long story short , they didn't take enough for taxes, and then when they realized, they just took the money and said nothing.all my other shit bounced as they took all my money. Canceled them and went elsewhere.

[@ugh-su5qg]

one time I cashed a fake cheque at td bank by accident. they blocked a lot of features on my card so I made a new bank account at cibc and td bank took money out of my cibc account because I had a negative 50$ balance on my account. DO NOT TRUST TD BANK.

[@alhumphreys5784]

Should have canceled the card as soon as it was stolen, and should have put a lawyer on it immediately! Waiting 2 years is a head scratcher.

[@lindajohnson.]

Where was your wallet? Usually it would be in your back pocket? 😮

[@GarixDover]

I didn’t realize it was gone till I got home. Then I went and got a new card. However the person also went after me to another branch and got a new card. This was the day before I went out of town with work for a week. Had zero reason to use or check card for that time. And at the time I was more concerned with getting my life back rather then suing

[@PeteyPablo1]

@@GarixDover I can relate if you've never sued anyone are a good honest person than your first instinct isn't gonna be to lawyer up its to have faith in the system sadly the system is broken beyond repair

[@mridulsharma4655]

I am so sorry this happened to you.., I have this fear for me too because someone got a hold of my passport copy long ago pretending to be an agent (I wasn't educated enough on the matter), so I had to put alerts in place with the 2 credit unions and also filed a report for fraud alert. Banking today feels like a scam, this country is in a very different place than it was 5 years ago

[@odesso2556]

Im 17, when I was a young lad growing up in southern ontario, I was sold the canadian dream, that as long as I worked hard, saved money, did my best, I would survive just fine. To me it seems like it was all a lie, it seems like every year that passes Canada gets worse, and life gets harder. Why would anybody want to live here? We are practically ruled by an autocrat 😮‍💨 I hope SOMEBODY can help you resolve this, someone actually opened a WESTconsin credit union account with my email so I kind of relate to this unfortunately 😢

[@BadBrad119]

It doesn't matter whether someone opened an account fraudulently. You should be able to prove your identity, undo the mess created, and be off the hook for someone else's actions. The bank failed to properly identify their client. It's their responsibility and their loss if they incur expenses due to the results.

[@MarysZenDoodleArt]

Shared your story …hopefully you get some help from the media…who knows… ❤️ something similar happened to my husband with another bank, full protection for the scammer and made my husband’s life hell.

[@GarixDover]

Thank you I appreciate that!

[@TreDogOfficial]

Surely there is a legal remedy for this fraud over two years later. That's a bizarre statute of limitations. If not, we need to petition our political leaders to redress this dysfunctional limitation.

[@seek-the_truth]

Sorry to hear that this has happened to you. We live in a dystopian world. Don't think that Scotiabank or RBC are any better though.

[@SL-ASH-7]

This is absolutely absurd dude. TD would have a wealth of your information to gauge if they are talking to the real client. There's not a single tiny minuscule excuse. Commenting only to help the YT algorithm serve this to more people, and anyone who reads this should as well.

[@shperax]

100% that teller was in on it and knew the scammers. Trying to prove it would require the police to actually do something. So impossible.

[@NebuLaddd]

Real issue here, someone was evil enough to do this. Some people truly deserve hell.

[@Forty8-Forty5-Fifty8]

The vast majority of modern banking is trying to figure out how to siphon as much money from you as possible or even trap you in financial slavery so they can put you into crippling avalanching debt after they repossess the majority of your belongings. There is a reason why there are enacted laws that protect certain assets from repossession, they would bleed you dry if they could.

[@MrZiptron]

The Limitations Act (which sets the 2 year rule) includes also the discoverability rule. This rule means the limitation period starts when you discover or should have discovered the injury, loss, or damage. So time starts ticking not when TD made the error, but rather when you realized they did. Consider this when calculating your two year limitation period, you may still have a chance to pursue TD. Check with your lawyer.

[@jonathanpang1837]

Usually, when some assclown says "literally", I zone out, but I decided to listen to this story anyway and TD literally ruined his life. The sad truth is that all banks would likely react in this way to a situation like this, despite the fault being on the teller. I wish you the best. You have a deeper understanding than most about how all banks, by nature, operate, which will only serve you better moving forward. I hope this story spreads like wildfire and benefits you in the end.

[@Noobscodee]

the way you write ontop of the opening line.... pure gold i can only imagine how ignorant and annoying you are to be around

[@anubischick]

How about if the person is literally not an assclown? Or would you still literally tune them out? Or just figuratively?

[@Noobscodee]

@@anubischick lol literally

[@synkstar9921]

Its crazy how they wont just rectify it because there are other frauds like fake cheques that cause lots of losses too and thats just part of operating a bank. The teller definitely wasn't following the proper procedure, but in this case the bank is supposed to pay you back the funds and usually takes disciplinary action against the teller. If I was them id tell the person to go get a new ID. But the fact you can't at least get it off your credit and go to another bank is crazy too.

[@darwinmclovin5090]

Thanks for the heads up, I was looking for a bank to invest with and this scratched TD off my list.

[@ugh-su5qg]

one time I cashed a fake cheque at td bank by accident. they blocked a lot of features on my card so I made a new bank account at cibc and td bank took money out of my cibc account because I had a negative 50$ balance on my account. DO NOT TRUST TD BANK.