Interac Email Money Transfer scam - funds returned - Page 2 - ehMac.ca
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Old Feb 12th, 2014, 09:53 AM   #11
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Going out on a limb here as I may be reading a bit too much between the lines. Are these friends people you met via Facebook or some other online social network?

If so I would suggest you were set-up from the beginning.
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Old Feb 12th, 2014, 01:45 PM   #12
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I would say that fraud trumps all. Nobody gave you misinformation. The funds can't be reversed without you sending them back. But these funds aren't being reversed, they are being declared fraud and are being taken back from the bank, not from the sender.

I'm with you i-riu.. odd first post to a Mac site...lol I'm also not sure if fits in the Info Center either...
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Old Feb 25th, 2014, 02:06 PM   #13
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These people are no longer my friends. If I ever saw them again, I would not even talk to them. But I doubt they will dare contact me, they know what they did.

Yeah, I guess fraud does trump all. In the end it all worked out, but I'm not sure why. They said they will close my account, and I don't have to pay back the $3000. I guess it costs TD too much to prove that I was in on it, so they let this one go. As a result I don't have to pay from my own pocket.

Sorry guys about the weird post, I was stressed about this topic and wanted to hear what you guys thought. But I didn't know any other forums. I had seen a similar thread in "Info Centre" so I posted to this one too.
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Old Feb 25th, 2014, 06:48 PM   #14
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These people are no longer my friends. If I ever saw them again, I would not even talk to them. But I doubt they will dare contact me, they know what they did.

Yeah, I guess fraud does trump all. In the end it all worked out, but I'm not sure why. They said they will close my account, and I don't have to pay back the $3000. I guess it costs TD too much to prove that I was in on it, so they let this one go. As a result I don't have to pay from my own pocket.

Sorry guys about the weird post, I was stressed about this topic and wanted to hear what you guys thought. But I didn't know any other forums. I had seen a similar thread in "Info Centre" so I posted to this one too.
Glad to hear it worked out OK for you. Hope they nab the crooks as they will do this again.

Good lesson to all if something does not add up, walk away.

On a somewhat related tack I had a call from Microfraud today wanting the keys to my computer. Told him to give me his number and I would phone back, after checking it out with the RCMP. Can't understand why he hung up.
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Old Feb 25th, 2014, 10:56 PM   #15
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... ... ...

On a somewhat related tack I had a call from Microfraud today wanting the keys to my computer. Told him to give me his number and I would phone back, after checking it out with the RCMP. Can't understand why he hung up.

Aww, that's much too quick and easy.

My sister and I had a running competition as to who could keep the "MS security" person on line the longest when they called about some problem and needed access to our computer to "fix the problem" of our virus contamination etc. Yeah right.

May record was for 20+ minutes, but my sister should get the award as she doesn't have and never has owned a computer and hasn't a clue as to how they work, but she managed about 8 minutes.

I've never heard any "support tech" swear so much and so loud when he figured out that he'd been had. But was stupid enough to call a day or so later and I kept him on line for only about 12 minutes.

Odd, neither of us have had any such calls for almost 1/2 a year now.
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Old Feb 26th, 2014, 11:39 AM   #16
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Oh, is that a way to get your computer key so that they can install pirated operating systems/ software?

Does RCMP actually do anything about these calls?
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Old Feb 26th, 2014, 11:06 PM   #17
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Originally Posted by torontogirl87 View Post
Just wanted to seek any experts' opinion and see what can be done.

I recently received a few Interac E-Transfers from some friends I don't know so well, and before accepting the money, I called TD Bank to ask how it worked. TD said that it is fully secure, the money is first verified that it is in the seller's account and then once you accept the funds, it is fully your money, in your account, ready for use, and, most importantly, IRREVERSIBLE. I asked, "Are you sure it is irreversible? There is no way for the sender to get the money back?" and the TD operator said, "Yes, it is irreversible. The only way for the sender to get the money back is for YOU to manually send it back to them, otherwise it is YOUR money."

I withdrew and spent the money.

Now I received a call from TD saying that those were "fraudulent funds" and they will be reversed, and I will now owe them the amount. I said, "No way! I had expressly called you before accepting and a TD representative said that with an Interac E-Transfers, once I accept it, it becomes MY money, irreversible, and I expect TD to keep their word. There is no way I am bearing responsibility as a result of that statement being untrue."

So now they are saying that the decision is final and I either pay them back or they will go through a collections agency.

I can't get a hold of my "friends" anymore, and I'm furious that TD told me that it was irreversible and now it turns out, it is very much reversible. I don't want to be wrongfully chased by a collections agency. What can I do?
This hits close to home because the Credit Union I deal with just introduced Interac E-Transfer.
It was also my understanding that the money is withdrawn from the sender's account before they can activate an E_transfer so the money has to be in the sender's account.
Interac actually touts that as a major advantage over a check.

It's a pity the TD never explained to you why that transfer was supposedly fraudulent - I would sure love to know.
Seems to me the fraud was at the bank of the sending end, the sender somehow managed to send money they didn't have in their account.
One question - how much time elapsed from when you accepted the funds until the TD contacted you to tell you the funds were fraudulent?
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Old Feb 28th, 2014, 01:58 PM   #18
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@krs: TD had told me (before this fraudulent stuff) that the money HAS to be in the sender's bank account and fully available, then it is sent by Interac E-Transfer. So it was likely not the case that the sender managed to send money that they didn't have in their account.

Instead, it was "fraudulent funds" that was the problem, ie. the sender claimed "Oh no that wasn't me who sent that, I don't know who got access to my password, it wasn't me, I want the money back".
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Old Mar 2nd, 2014, 12:43 AM   #19
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All telephone calls are recorded by TD for "quality control and training purposes." I know someone who requested that TD check the phone record of an EasyLine conversation and it proved the caller's version of the conversation was correct--TD was good to heir word, and honoured the verbal promise.
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Old Mar 2nd, 2014, 10:20 AM   #20
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Instead, it was "fraudulent funds" that was the problem, ie. the sender claimed "Oh no that wasn't me who sent that, I don't know who got access to my password, it wasn't me, I want the money back".
Thanks for posting that.

Reminds me to check with my CU about on-line banking.

Right now my on-line banking is set up so that I can only transfer/pay money to specified accounts - those are all either companies where I have an account that needs to be paid regularly or accounts of members of my family.
So should somebody manage to get into my account somehow, all they can do is pay/transfer money to those already set up accounts of mine.

With E-transfers that all changes.
Now if someone gets into my account they can move the money anywhere if E-transfer is setup.
Not very good.

I like the European on-line banking system much better, that one is really secure with the use of the TAN numbers. I wish the banks here would smarten up and make the system more secure.
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