AND TD BANK ..on going Complaint ….
Dear TD Bank as your staff could not listen, read or your systems as per the online internal account emails were BLANK. I have to resort to extraordinary means to reach you.
(1) Since your staff while on the phone refused to assist in allowing me to make a full report and Hung up. I have to contact senior management in the hopes that someone has the time to sort this out. There are a lot of you? can someone assist?
(2) The situation only became more complex due to the TD staff and what may well be ? internal corruption. I read that you are having issues with corrupt staff practices?
(3) The CD has all the documents as it is too much to mail to you in Canada and yet I have no idea if you will act on it as there is a certain capricious nature to TD communication?
(4) All of TD banks communication shenanigans has muddied my own communication process making it more convoluted.
(5) It was FIRST an attempt to warn you of the Colossal Fraud via the ATM’s in Malaysia. And to ensure my account is not ever compromised and since it happens so frequently and had to call in often. The explanation process was becoming redundant and by now there should be a notice to ensure I get more prompt service.
(6) Then it became a complaint of the ridicule that I received from your staff and the Bizarre Blank communications. ? You have access to all this information and hope there will be a satisfactory conclusion. But that is up to you and your staff. Which is a huge Concern. You will have to contact me via email but I now understand you hate that as well.
- YOU WILL HAVE TO READ – WATCH THE VIDEOS ETC TO COMPREHEND THIS ORDEAL. I HOPE TO HEAR FROM YOU SOON?
- AGAIN ALL THIS BECAME NECESSARY AND MORE CONFUSING BASED ON TD BANK POOR COMMUNICATION BOTH FROM THE PERSONNEL AND SERVICES PROVIDED ELECTRONICALLY.
–——– Forwarded message ———
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Date: Sat, Oct 12, 2019 at 3:23 PM
Subject: Re: TD Correspondence Dated September 9, 2019 – Addressed to Mr. Masrani –To: Monte, Bianca <Bianca.Monte@td.com>Thanks Bianca. this is really a challenging situation. I am here stuck in Malaysia, very ill. And I have to report the most disgusting criminal activity in Seremban Malaysia. The criminal activity here via ATM – I have the CIMB bank admitting that they know about the criminal activity – of their bank – but it has become much worse – they target foreign atm cards. you must – please ensure that we – the traveling public – can’t protect – yourself.
it got worse. I went to the BSN bank and the ATM -interacted with me – as if possessed. It pretended to withdrew my funds – and it started to dispense the$ and then it froze and the message read- this ATM – no longer has funds – go to another machine ? it then stole the $.
I have captured as much info as I can. I have gone to incredible lengths – find other ATM machines at variety of banks and it’s only the banks in another city -port Dickson – 60 miles away that work. just know i am mostly bed ridden – so to adventure and spend a lot of $ on Cab fares – etc to allow that I don’t get Robbed -is insane.
But know – your staff are highly incompetent – rude – belligerent -hostile – hang up – refused to answer questions – attempt to school me – on atm usage – ? I am giving them info they are not exposed to – so instead of listening – they turn abusive. they state – that your secure – internal TD messaging – has decided to delete my messages – ? Stating the messages were EMPTY – and this went on for months. If you do not want your staff to assist your customers ? or delete – Customer information? I read that TD was engaging in some internal illegal – criminal activity ? But TD is a nightmare now – as you can see from my correspondence and you all refused to cooperate ? Are You now that Hostile an entity?
Plus all these long distance phone calls I must pay for – over and over and over – wasting my $ – ? as I have to retell the story ad nauseam.
It takes 1 hour on the phone – to retell – explain – and they are so incompetent. All that is required is a detailed note -on my account – and the info is quickly responded to. But oops your staff don’t want to READ? So – they delete and hang up…
Let’s see if you and your contacts are going to be different? There are more repeated attachments as who knows – what TD is up to. Plus I worked for TD – years ago and wow – how far have the mighty fallen. It’s a disgrace.
Cristoph
On Sat, Oct 12, 2019 at 3:42 AM Monte, Bianca <Bianca.Monte@td.com> wrote:
Dear Christopher De Caermichael,
Thank you for your correspondence dated September 9, 2019 addressed to Mr. Bharat Masrani. At TD Bank, we greatly appreciate the opportunity to engage with our customers. As such, I am writing to acknowledge receipt of your correspondence. In order to suitably address the concerns you have outlined in your email, I am arranging for a representative of the appropriate area of the TD Bank to review and respond to you directly. I appreciate you taking the time to elevate your concerns and allowing us an opportunity to respond.
Kind regards,Bianca Monte | Customer Care Manager | Office of the President | TD Bank Group |
MEPS ATM FRAUD
JUNE 30TH. 2019
Payments Network Malaysia Sdn Bhd (PayNet)Tower 2A, Avenue 5, Bangsar South,8 Jalan Kerinchi, 59200 Kuala Lumpur +603.2264.8601
ATTENTION :Executive Leadership
l Mr Peter Schiesser | Group Chief Executive Officer
l Mr Tay Gim Soon | Group Chief Operating Officer
l Puan Noor Hazama Fadhillah | Director, Large Value Payments & Securities Services
l Mr Michael Kumar | Director, Card Services
l Mr Siek Kar Teck | Director, Retail Payments
l Mr Abdul Malek Sutan | Director, Cash Services
l Mr Firdaus Ghani | Director, Finance & Administration
l Mr Ken Yon Kian Guan | Director, Risk & Compliance
l Puan Jun Maria Tan Abdullah | Director, Human Capital Management
l Mr Teh Lip Guan | Director, Information Services
1. Datuk Ahmad Hizzad bin Baharuddin
| Non-Executive Non-Independent Chairman
2. Datuk Abdul Farid Alias
3. Dato’ Khairussaleh Ramli
4. Mr Philip Tan Puay KooN
5. Mr Michael Walters
Toronto-Dominion Centre, P.O. Box 193. Toronto, ON M5K 1H6.
TD INTERNATIONAL ATM FRAUD DEPARTMENT
RE: MEPS ATM FRAUD AT PALM MALL SEREMBAN MALAYSIA
MACHINE#NMA03 -ATM D
TRANSACTION SLIP SAMPLE- DUE TO CONFIDENTIALITY I CANNOT RELEASE THE ORIGINAL
TRANSACTION # – N/A -TD CAN PROVIDE IT.
DEAR ALL,
SINCE VISITING SEREMBAN AND STAYING QUITE CLOSE TO THE PALM MALL I HAVE HAD TO USE THE ATM MACHINES IN THE GROUND SPACE AS PROVIDED.
PLEASE SEE VIDEOS. AS OF THE MOST RECENT ATM FRAUD INCIDENT- JUE 28TH @ SEREMBAN – PALM MALL AT APPROXIMATELY 4.00 PM. THE DETAILS ARE CLEARER IN MY CANADIAN TD FRAUD REPORT.SIMPLY AS MEPS DOES NOT DISPLAY ANY EXTERNAL BANKING IDENTIFICATION ON ITS MACHINES. AS WELL AS THE ATM FRAUD – TOOK PLACE AFTER I HAD MADE SEVERAL WITHDRAWALS – WITH THE LAST ONE – BEING THE MEPS FRAUD-ATM FRAUD.
AS IT WAS FRIDAY THE 28TH JUNE- END OF MONTH- THE ATM LINE UP WAS GROWING AND AFTER SEVERAL FURTHER TRIES AT ACCESSING THE FUNDS. I KNOW MY ACCOUNT AND WHAT FUNDS WAS AVAILABLE. I WAS RECEIVING MEPS FRAUDULENT – INSUFFICIENT FUNDS RECEIPTS. I GAVE UP AS I HAD APPOINTMENTS. BUT THOUGHT PERHAPS IT WAS DUE TO THE ATM MACHINE PLACING AN ARBITRARY WITHDRAWAL LIMIT ON HOW MUCH FUNDS I COULD RETRIEVE IN 1 DAY? BUT THIS WAS URGENT AS THE MISSING FUNDS WERE TO PAY FOR RENT AND URGENT MEDICAL APPOINTMENTS. FOR JULY 1 2019.. SO THIS WAS A DISASTER EVENT. BUT I HAD THE REQUIRED DOCUMENTARY EVIDENCE – GAINED FROM 2016 AND 2019.
WHEN THE CRIMINAL CIMB BANK- DID IT IN APRIL 2019 – AND THEN IN MAY 2019 – AND FINALLY JUNE BUT THIS TIME FROM THE MEPS ATM MACHINE. SO AS I WAS WARNED BOTH ATM MACHINES ARE RIGGED TO STEAL YOUR FUNDS. MALAYSIA IS NUMBER 2 IN INTERNATIONAL FRAUD. BEHIND BRAZIL.
MALAYSIANS THAT I MET AT THE TIME OF THE INCIDENT TOLD ME OF THEIR OWN HORROR STORIES. AND STATED THAT THIS WAS COMMON IN MALAYSIA AND YOU HAD TO BE CAREFUL AS MANY HAVE NEVER RECEIVED THEIR MONEY BACK.
AS WELL AS I RECEIVED A REPORT WHERE MY BANK CARD WAS TAGGED- THAT THE FOREIGN CARD # AND NAME WAS TARGETED FOR FRAUD. AND IT HAPPENED SEVERAL TIMES WHERE MY RECEIPTS DID NOT MATCH INTERNAL INVESTIGATIONS AND THAT WAS WHEN THEY DISCOVERED SOMEONE HAD MANUALLY ACCESSED MY INFORMATION AND DID CHANGE DATA TO SUIT THEMSELVES.
SINCE 2016 I BECAME AWARE OF THE ATM FRAUD AS CONDUCTED BY CIMB BANK. I HAVE VIDEOS OF THE ORDEAL FROM 2016. AND 2019 I WAS ABLE TO RESOLVE IT VIA MY CANADIAN BANK BUT IT DID REVEAL THAT CIMB AND NOW MEPS WAS ENGAGED IN AN ONGOING- ATM FRAUD OPERATION THAT WAS TARGETED AT MALAYSIANS. AND IN MY CASE GEARED TO MY FOREIGN CANADIAN BANK CARD.
Canada Malaysia Fraud
LOCATION-PALM MALL – MACHINE # NMA03
D-2202748-E- MAIL RECEIPT # 201962883660904180
THESE ARE THE DETAILS OF THE FRAUD TRANSACTION.
| Jun 28, 2019 | FX ATM W/D _V | 394.15 | $57.54
FUNDS WITHDRAWN BY MEPS= STOLEN |
|
| Jun 28, 2019 | FX ATM W/D _V | 492.69 | $451.69 | |
| Jun 28, 2019 | FX ATM W/D _V | 492.69 | $944.38 |
Date: Friday, June 28, 2019
Time: 9:23:33 AM
FROM TD BANK
The following transactions have been performed during this session:Transaction, Confirmation, Description.Sent Message, 201962883660904180, Sent Message was successful.
Jun 28, 2019 FX ATM W/D _V 394.15 $57.54
Jun 28, 2019 FX ATM W/D _V 492.69 $451.69
Jun 28, 2019 FX ATM W/D _V 492.69 $944.38
Date: Friday, June 28, 2019
Time: 9:23:33 AM
https://thebookof25.wordpress.com/2016/12/22/the-dangers-of-cimb-atm-fraud/
| From: | Customer Service |
| To: | MR. CHRISTOPHER DE CAERMICHAEL |
| Related To: | UNLIMITED CHEQUING WITH SENIORS REBATE – 6305083 |
| Sent Date: | Jun 28, 2019 12:21 PM |
| Subject: | RE: D-2202748 ATM FRAUD IN MALAYSIA JUNE 28TH 2019 |
AS THIS ATM FRAUD IS ONGOING. IT IS ALSO SANCTIONED BY THE BANKS – BNS-CIMB- MEPS – AS PART OF THE CRIMINAL ATM FRAUD ACTIVITY THAT MALAYSIA IS NOW KNOWN FOR.
- WHEN YOU RECEIVE A FAKE -FRAUDULENT INSUFFICIENT FUNDS – RECORD ALL DOCUMENT ALL PROCEEDINGS – ITS A SIGN THAT FRAUD HAS TAKEN PLACE. YOU KNOW WHAT $ YOU HAVE AND THIS COMPANY MEPS – ATM IS DETERMINED TO STEAL IT.
THERE WERE MANY QUESTIONS AS PER MY REPORT THAT I COULD NOT GIVE TO TD BANK. THAT MEPS-BNS-CIMB CAN GIVE. SHARING THE DETAILS ON INTERNATIONAL ATM FRAUD AND EXPOSING THE CRIMINAL PERSONNEL IS THE ONLY WAY TO STOP THIS FRAUD. LOCALLY AS IN MALAYSIA – THEY DON’T CARE – ITS UBIQUITOUS TO CREATE FRAUD – THEFT – CRIME. ITS THE WELCOME TO MALAYSIA.
AS INTERNATIONAL ATM FRAUD IS ON THE INCREASE. CAN MEPS CONTACT TD BANK AND PROVIDE CLARITY INTO THIS RECENT MEPS ATM CRIMINAL FRAUD ACTIVITY
THANK YOU
THE FOLLOWING IS A LIST OF CONTACT PERSONNEL @ MEPS-BE CAREFUL DANGEROUS ORGANIZATION – CYBER -THIEVES AHOY
Payments Network Malaysia Sdn Bhd (PayNet) CONSISTS OF a seven-member Board of Directors comprising of representatives from Bank Negara Malaysia (BNM), Financial Institutions and industry experts.
The Board of Directors is primarily responsible for the governance and management of the business as well as to ensure the financial health of the Company. The Board is assisted by three Board Committees, namely the Nomination and Remuneration Committee, Board Risk Committee and Board Rules Committee.
Among others, the responsibilities of the Board are as follows:
- Formulate and establish the broad policies governing the operations of PayNet Group.
- Establish the corporate objectives, as well as to review, approve and guide the formulation of the corporate strategies and business plans, budget and monitor its implementation.
- Oversee the management of the company business to maintain the corporate performance, involving monitoring of the performance of the institution.
- Oversee human resource management, performance monitoring of key personnel, succession planning and training programs.
1. Datuk Ahmad Hizzad bin Baharuddin
| Non-Executive Non-Independent Chairman
2. Datuk Abdul Farid Alias
3. Dato’ Khairussaleh Ramli
4. Mr Philip Tan Puay KooN
5. Mr Michael Walters
6. Tan Sri Dato’ Sri Zamzamzairani Mohd
-
Payments Network Malaysia Sdn Bhd (PayNet)Tower 2A, Avenue 5, Bangsar South,8 Jalan Kerinchi, 59200 Kuala Lumpur
-
+603.2264.8600
-
+603.2264.8601
-
corpcomm@paynet.my
Large Value Payments
e-SPICK
-
+603.2264.8701
-
+603.2264.8669
-
espick@paynet.my
RENTAS
-
+603.2264.8667 / +603.2264.8668
-
+603.2264.8669
-
rentas@paynet.my
Security Services
-
+603.2264.8700
-
+603.2264.8669
-
fast@paynet.my
Retail Payments
-
Interbank GIRO
-
ibg@paynet.my
-
MyDebit
-
MyDebit@paynet.my
-
DirectDebit
-
ddadms@paynet.my
-
FPX
-
ebizfpx@paynet.my
-
customersupport@paynet.my
Executive Leadership
- Mr Peter Schiesser | Group Chief Executive Officer
- Mr Tay Gim Soon | Group Chief Operating Officer
- Puan Noor Hazama Fadhillah | Director, Large Value Payments & Securities Services
- Mr Michael Kumar | Director, Card Services
- Mr Siek Kar Teck | Director, Retail Payments
- Mr Abdul Malek Sutan | Director, Cash Services
- Mr Firdaus Ghani | Director, Finance & Administration
- Mr Ken Yon Kian Guan | Director, Risk & Compliance
- Puan Jun Maria Tan Abdullah | Director, Human Capital Management
- Mr Teh Lip Guan | Director, Information Services
- Vacant | Director, Internal Audit
General Inquiries
-
Payments Network Malaysia Sdn Bhd (PayNet)Tower 2A, Avenue 5, Bangsar South,8 Jalan Kerinchi, 59200 Kuala Lumpur
-
+603.2264.8600
-
+603.2264.8601
-
corpcomm@paynet.my
- FURTHER DEVELOPMENTS WILL BE DOCUMENTED.
- AUGUST 30TH 2019
THE CIMB ATM STRUCK AGAIN, PLEASE REALIZE – THAT THE ATM MACHINES IN SEREMBAN MALAYSIA IS VERY LIMITED. NOT ONLY ARE THEY LIMITED IN NUMBER OR LOCATION – BUT ONLY A FEW HAVE THE INTERNATIONAL BANKING THAT ANY FOREIGNER REQUIRES.
THE FEW BANKS THAT I KNOW AND CAN BE ASSESSED BY ME – AT THE PALM MALL OR KPJ HOSPITAL. I HAVE ESTABLISHED THAT THE CIMB TARGETS FOREIGN CARDS – AND NAMES AND THAT WHOEVER IS DOING THIS – IS AWARE OF THE FRAUD THAT IS BEING CREATED. THE CIMB BANK ON CAMERA ADMITTED – THAT THERE ATM MACHINES HAVE A HISTORY OF TAKING ATM USERS MONEY AND THE CLIENTS HAVE TO FIGHT – TO GET IT BACK-IF YOU ARE MALAYSIAN. AS FRAUD IS A MALAYSIAN PAST TIME – CORRUPTION THE LINGUA FRANCA OF ALL MALAY COMMUNICATION – AS A FOREIGNER YOU ARE DOOMED UNTIL YOU LEAVE
AS MALAYSIA IS SO CORRUPT -THIS FOREIGN ATM/VISA CARD FRAUD IS NOT ONLY TO ATM MACHINES – ITS ALSO ONLINE AND USED TO CREATE FRAUD – OR MALFEASANCE. THE INVESTIGATION INDICATED THAT FRAUD IS COMMITTED BY MALAYSIANS DELIBERATELY BY THEM ACCESSING THE SYSTEM – SEEING THE NAME – AND FOREIGN CARD AND DELIBERATELY REMOVE – EITHER THE FUNDS – ALTER THE INFORMATION – IN THE RESERVATION ETC. YOUR RECEIPT CAN CLAIM – AS PER YOUR INSTRUCTIONS – AND THEN AN INTERNAL RECEIPT – WILL CLAIM ? DIFFERENT – VARIED INFORMATION. MALAYSIA IS VERY DANGEROUS . AVOID AT ALL COSTS.
HERE ARE THE RECENT RECEIPTS -AS OF AUGUST 30TH. 2019 CASE # D-2316779
I SPOKE TO TD CANADA YET AGAIN. SPENDING ANOTHER – 30 MINUTES – EXPLAINING WHAT I HAVE EXPLAINED SO MANY TIMES. REQUESTING AS I HAVE AN EMAIL ADDRESS – TO SEND ALL THIS VERY URGENT INFORMATION. TD BANK HAS REFUSED TO COOPERATE – I HAVE EMAILS OF THE HIGHEST LEVEL OF MALFEASANCE BY A CANADIAN BANK.
AS THE CIMB TRICK ATM -FRAUD IS DONE BY TAKING THE FUNDS – AND SENDING THE ATM CLIENT A FALSE INSUFFICIENT FUNDS NOTICE. THIS ALWAYS CAUSES CONFUSION. AS AT FIRST – I THINK – THE CONVERSION OF CANADIAN $ TO MALAY RINGGITS- IS AT BEST RANDOM. I HAVE NO IDEA WHAT AMOUNT WILL BE ALLOWED AS THE BANK HAS ITS OWN FOREIGN EXCHANGE RATE. THEREFORE I TRY A FEW TIMES WITH DIMINISHING AMOUNTS. EACH TRIGGERING AN INSUFFICIENT FUNDS RECEIPT. THIS MAKES BANKING IN MALAYSIA – A RUSSIAN ROULETTE – OF WHO IS GOING TO GET YOUR $ FIRST – THE FRAUD ATM MACHINES – OR YOU?
THE BIZARRE COMMUNICATION WITH TD BANK STAFF ? WAS DEFEATING. MAYBE CANADA IS OZ? MY ONLINE = SAFE EMAILS WERE BLANK? ALL OF THEM? TD HAS SOME INTERNAL SYSTEM ERROR ? OR THE STAFF ARE SO DELINQUENT? WHEN I SENT EMAILS TO CUSTOMER SERVICE – THEY STATED THAT THIS WAS AN UNSECURED SERVER AND THAT MY EMAILS WILL NOT BE READ OR ACTED ON?
COPY OF EMAILS.
———- Forwarded message ———
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Date: Sun, Jun 30, 2019 at 11:41 PM
Subject: INTERNATIONAL ATM FRAUD -DETAILED -PLEASE READ CAREFULLY
To: <customer.service@td.com>
WHEN I CALLED IN TO REPORT IT. YOUR STAFF WAS SO RUDE – UNPROFESSIONAL AND DANGEROUS .
AS I ASKED QUESTIONS – OR GAVE INFORMATION – SHE TALKED OVER ME – NEVER RESPONDED – SPOKE FROM A SCRIPT – AND I KEPT TRYING TO GIVE HER THE CORRECT INFORMATION- SHE HUNG UP?
THEN THE ONLINE TD EMAILS SENT ME – YOUR EMAILS WERE BLANK? BUT MY SCREEN GRABS PROVE OTHERWISE.
Canada Malaysia Fraud
D-2202748
I WAS TRYING TO UPDATE THE PHONE RECORDS AND THE PERSON I SPOKE WITH HUNG UP – SHE SEEMED THROUGH OUT THE CONVERSATION TO ONLY SPEAK FROM SCRIPT – AND ANY NEW INFORMATION I GAVE HER – SHE JUST SHUT ME DOWN – OR SPOKE OVER ME – VERY RUDE- AND THEN SHE HANGS UP.
Jun 28, 2019 |
FX ATM W/D _V |
394.15 |
|
$57.54 |
Jun 28, 2019 |
FX ATM W/D _V |
492.69 |
|
$451.69 |
Jun 28, 2019 |
FX ATM W/D _V |
492.69 |
|
$944.38 |
Date: Friday, June 28, 2019
Time: 9:23:33 AM
The following transactions have been performed during this session:
Transaction, Confirmation, Description
======================================
Sent Message, 201962883660904180, Sent Message was successful.
Sent Message, 201962883660904180, Sent Message was successful.
From: |
Customer Service |
To: |
MR. CHRISTOPHER DE CAERMICHAEL |
Related To: |
UNLIMITED CHEQUING WITH SENIORS REBATE – |
Sent Date: |
Jun 28, 2019 12:21 PM |
Subject: |
RE: D-2202748 ATM FRAUD IN MALAYSIA JUNE 28TH 2019 |
Hello Christopher,Thank you for taking the time to write to us. Please let me start by saying thank you for being a valued member of the TD Canada Trust family! We appreciate that you have chosen TD for the variety of services you have and we hope that we will be your bank of choice for any future banking needs. While I am happy to assist however I can, I am sorry to say that your message has arrived blank. This can happen when text is copied from an external program and pasted into the Secure Messaging system. Not all computer text is formatted in the same manner and our Secure Messaging system does not recognize all formats. I will have to ask that you resend your message having typed the contents of the message directly into the secure messaging system. Please also try to avoid the use of special characters as they can also cause messages to be received blank. I look forward to hearing back from you soon. Best regards from all of us at TD Canada Trust, Jeremy I Digital Communications I TD Bank Group Become a TD Fan on Facebook
|
|
MEPS ATM FRAUD
JUNE 30TH. 2019
Payments Network Malaysia Sdn Bhd (PayNet)Tower 2A, Avenue 5, Bangsar South,8 Jalan Kerinchi, 59200 Kuala Lumpur +603.2264.8601
corpcomm@paynet.my
ATTENTION :Executive Leadership
lMr Peter Schiesser | Group Chief Executive Officer
lMr Tay Gim Soon | Group Chief Operating Officer
lPuan Noor Hazama Fadhillah | Director, Large Value Payments & Securities Services
lMr Michael Kumar | Director, Card Services
lMr Siek Kar Teck | Director, Retail Payments
lMr Abdul Malek Sutan | Director, Cash Services
lMr Firdaus Ghani | Director, Finance & Administration
lMr Ken Yon Kian Guan | Director, Risk & Compliance
lPuan Jun Maria Tan Abdullah | Director, Human Capital Management
lMr Teh Lip Guan | Director, Information Services
-
Datuk Ahmad Hizzad bin Baharuddin
| Non-Executive Non-Independent Chairman
-
Datuk Abdul Farid Alias
-
Dato’ Khairussaleh Ramli
-
Mr Philip Tan Puay KooN
-
Mr Michael Walters
-
Tan Sri Dato’ Sri Zamzamzairani Mohd
Toronto-Dominion Centre, P.O. Box 193. Toronto, ON M5K 1H6.
TD INTERNATIONAL ATM FRAUD DEPARTMENT
RE: MEPS ATM FRAUD AT PALM MALL SEREMBAN MALAYSIA
MACHINE#NMA03 -ATM D
TRANSACTION # – N/A -TD CAN PROVIDE IT.
DEAR ALL,
SINCE VISITING SEREMBAN AND STAYING QUITE CLOSE TO THE PALM MALL I HAVE HAD TO USE THE ATM MACHINES IN THE GROUND SPACE AS PROVIDED.
PLEASE SEE VIDEOS. AS OF THE MOST RECENT ATM FRAUD INCIDENT- JUE 28TH @ SEREMBAN – PALM MALL AT APPROXIMATELY 4.00PM. THE DETAILS ARE CLEARER IN MY CANADIAN TD FRAUD REPORT.SIMPLY AS MEPS DOES NOT DISPLAY ANY EXTERNAL BANKING IDENTIFICATION ON ITS MACHINES. AS WELL AS THE ATM FRAUD – TOOK PLACE AFTER I HAD MADE SEVERAL WITHDRAWALS – WITH THE LAST ONE – BEING THE MEPS FRAUD-ATM FRAUD.
AS IT WAS FRIDAY THE 28TH JUNE- END OF MONTH- THE ATM LINE UP WAS GROWING AND AFTER SEVERAL FURTHER TRIES AT ACCESSING THE FUNDS. I KNOW MY ACCOUNT AND WHAT FUNDS WAS AVAILABLE.
I WAS RECEIVING MEPS FRAUDULENT – INSUFFICIENT FUNDS RECEIPTS. I GAVE UP AS I HAD APPOINTMENTS. BUT THOUGHT PERHAPS IT WAS DUE TO THE ATM MACHINE PLACING AN ARBITRARY WITHDRAWAL LIMIT ON HOW MUCH FUNDS I COULD RETRIEVE IN 1 DAY? BUT THIS WAS URGENT AS THE MISSING FUNDS WERE TO PAY FOR RENT AND URGENT MEDICAL APPOINTMENTS. FOR JULY 1 2019.. SO THIS WAS A DISASTER EVENT. BUT I HAD THE REQUIRED DOCUMENTARY EVIDENCE – GAINED FROM 2016 AND 2019.
WHEN THE CRIMINAL CIMB BANK- DID IT IN APRIL 2019 – AND THEN IN MAY 2019 – AND FINALLY JUNE BUT THIS TIME FROM THE MEPS ATM MACHINE. SO AS I WAS WARNED BOTH ATM MACHINES ARE RIGGED TO STEAL YOUR FUNDS. MALAYSIA IS NUMBER 2 IN INTERNATIONAL FRAUD. BEHIND BRAZIL.
MALAYSIANS THAT I MET AT THE TIME OF THE INCIDENT TOLD ME OF THEIR OWN HORROR STORIES. AND STATED THAT THIS WAS COMMON IN MALAYSIA AND YOU HAD TO BE CAREFUL AS MANY HAVE NEVER RECEIVED THEIR MONEY BACK.
AS WELL AS I RECEIVED A REPORT WHERE MY BANK CARD WAS TAGGED- THAT THE FOREIGN CARD # AND NAME WAS TARGETED FOR FRAUD. AND IT HAPPENED SEVERAL TIMES WHERE MY RECEIPTS DID NOT MATCH INTERNAL INVESTIGATIONS AND THAT WAS WHEN THEY DISCOVERED SOMEONE HAD MANUALLY ACCESSED MY INFORMATION AND DID CHANGE DATA TO SUIT THEMSELVES.
https://youtu.be/DoU9RBJL2-s
SINCE 2016 I BECAME AWARE OF THE ATM FRAUD AS CONDUCTED BY CIMB BANK. I HAVE VIDEOS OF THE ORDEAL FROM 2016. AND 2019 I WAS ABLE TO RESOLVE IT VIA MY CANADIAN BANK BUT IT DID REVEAL THAT CIMB AND NOW MEPS WAS ENGAGED IN AN ONGOING- ATM FRAUD OPERATION THAT WAS TARGETED AT MALAYSIANS. AND IN MY CASE GEARED TO MY FOREIGN CANADIAN BANK CARD.
Canada Malaysia Fraud
LOCATION-PALM MALL – MACHINE # NMA03
D-2202748-E- MAIL RECEIPT # 201962883660904180
THESE ARE THE DETAILS OF THE FRAUD TRANSACTION.
Jun 28, 2019 FX ATM W/D _V 394.15 $57.54
FUNDS WITHDRAWN BY
MEPS
Jun 28, 2019 FX ATM W/D _V 492.69 $451.69
Jun 28, 2019 FX ATM W/D _V 492.69 $944.38
Date: Friday, June 28, 2019
Time: 9:23:33 AM
The following transactions have been performed during this session:
Transaction, Confirmation, Description.Sent Message, 201962883660904180, Sent Message was successful.
Jun 28, 2019 FX ATM W/D _V 394.15 $57.54
Jun 28, 2019 FX ATM W/D _V 492.69 $451.69
Jun 28, 2019 FX ATM W/D _V 492.69 $944.38
Date: Friday, June 28, 2019
Time: 9:23:33 AM / 9:23:33 PM IN MALAYSIA
From: Customer Service
To: MR. CHRISTOPHER DE CAERMICHAEL
Related To: UNLIMITED CHEQUING WITH SENIORS REBATE – 6305083
Sent Date: Jun 28, 2019 12:21 PM
Subject: RE: D-2202748 ATM FRAUD IN MALAYSIA JUNE 28TH 2019
AS THIS ATM FRAUD IS ONGOING. IT IS ALSO SANCTIONED BY THE BANKS – BNS-CIMB- MEPS – AS PART OF THE CRIMINAL ATM FRAUD ACTIVITY THAT MALAYSIA IS NOW KNOWN FOR.
THERE WERE MANY QUESTIONS AS PER MY REPORT THAT I COULD NOT GIVE TO TD BANK. THAT MEPS-BNS-CIMB CAN GIVE.
AS INTERNATIONAL ATM FRAUD IS ON THE INCREASE. CAN MEPS CONTACT TD BANK AND PROVIDE CLARITY INTO HIS ATMS CRIMINAL FRAUD ACTIVITY.
THANK YOU
corpcomm@paynet.my
espick@paynet.my
MyDebit@paynet.my
ddadms@paynet.my
fast@paynet.my
customersupport@paynet.my
https://writerswrite000.wordpress.com/2019/06/30/meps-atm-fraud-palm-mall-seremban-malaysia-june-28-2019/
https://youtu.be/DoU9RBJL2-s
https://thebookof25.wordpress.com/2016/12/22/the-dangers-of-cimb-atm-fraud/
https://youtu.be/rgZYDsK-Y5c
https://youtu.be/B8Ky5SiOcmk
https://youtu.be/sh_7YsLYA84
https://youtu.be/vaKBevRwLU4
https://youtu.be/iOe3gMVCeAo
AS YOU SEE A LOT OF DETAILS ARE HERE AND IS REQUIRED FOR YOU TO STOP THIS ASAP.
THEN THE FICKLE TD PERSONNEL – WHO HANG UP SAYS – WE WILL CALL YOU – I ASKED WHAT # AS I AM HERE IN MALAYSIA – 011-2337-3358 . AS I GAVE YOU THE CORRECT INFO- SHE HANGS UP. THEN I TRIED – TO USE YOUR EMAIL SYSTEM – AND THAT NOW SUCKS. I HAVE USED YOUR SYSTEM MANY TIMES AS PER MY ATTACHMENTS – SO NOW IF YOU WANT TO PREVENT PEOPLE FROM CONTACTING YOU WITH REAL EMERGENCIES WITH DETAILS THAT ARE INTERNATIONAL – HOPEFULLY I GET A BETTER RESPONSE FROM YOU.
CRISTOPH
–——– Forwarded message ———
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Date: Tue, Jul 2, 2019 at 4:43 AM
Subject: Re: INTERNATIONAL ATM FRAUD -DETAILED -PLEASE READ CAREFULLY
To: TD Customer Support <Customer.Support@td.com>
again based on my many calls to you – there is no other communication – system – the internet provider does not provide – any of the features that you are requesting.
TD you have failed me so many times. If i call in again – how can you deal with all this communication. You have behaved poorly – who ever i spoke with had an attention span of a TWEET. So you provide me with a non Bot Human who can Speak and understand these details without hanging up on me as well as FIX your secure system it’s way too corrupt
Thanks
On Tue, Jul 2, 2019 at 2:05 AM TD Customer Support <Customer.Support@td.com> wrote:
My response was that I never cut and pasted anything as it sent via email to Customer.Support@td.com>and that the online secure email system was ? or perhaps the staff were deleting the information. my Screen grabs show exactly what i write – no cut and pastes.
Hi Christopher,
Thank you for reaching out to us and for your patience awaiting our response. I am sorry to hear of your experience over the phone and with the ATM’s; that certainly sounds frustrating. However, I can provide some direction for you.
In terms of your secure messages on EasyWeb showing up blank, though you can see them on your side, they can still appear blank on our side. The most common reason for this is if you copy and paste from a different program into the message box. Please send another secure message by typing directly into the message box and do not copy and paste anything.
Over the phone, we can certainly access your account to see who you spoke with and to resolve any problem you still have. To do so, please call our EasyLine department (24/7) at 1-866-222-3456 (collect at 416-983-5393). One of our specialists would be happy to help you.
As email is an unsecured channel for communication, we cannot confirm your identity, and are therefore unable to access your accounts to look into this further for you via this medium. This means that we will need to direct you to the appropriate secure channels to discuss your concerns and to help investigate this further. Please give us a call or try to send another secure message.
Since you are outside of Canada, if you’re unable to call us from a phone, I have an alternate solution that will hopefully be helpful. Since you have access to Internet, you may wish to consider contacting a representative using a voiceover IP service such as Skype or Tokbox. A representative will be more than happy to assist using whichever VoIP service you choose.
I can confirm that voiceover IP services are calls placed over the Internet without the use of a phone. You can easily dial a phone number using the dial pad in Skype, just like on any phone. You do not need to add TD as a contact or to purchase call credits if you are calling a toll-free number. We can be reached toll-free via Skype at 1 (866) 222-3456. Representatives are available 24/7.
Thanks again for taking the time to reach out to us, Christopher. If you have any further questions or concerns, please do not hesitate to write back to us, as we’re always happy to help. We appreciate your business and look forward to assisting you in the future.
Kind regards,
Andrew I Digital Communications I TD Bank Group
TD Canada Trust 1-866-222-3456
TDD (Telephone Device for the Hearing Impaired) 1-800-361-1180 (toll free)
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Disclaimer;
TD Canada Trust endeavors to provide accurate and up-to-date information relating to its products and services. However, please note that rates, fees and information are subject to change. Remember that email sent over the Internet is generally unencrypted. We recommend that you use caution when forwarding free-format email messages to us and that you do not include confidential information (such as account numbers or other personal data) in those messages, as they are not encrypted. Please note that if you have disclosed any account numbers or personal information in your email, we have blocked the information to protect your privacy.
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Sent: Sunday, June 30, 2019 11:42 AM
To: TD Customer Support <Customer.Support@td.com>
Subject: INTERNATIONAL ATM FRAUD -DETAILED -PLEASE READ CAREFULLY
LETTER TO TD BANK SEPTEMBER 9 2019
TO: TD BANK
Head office
Bharat Masrani
Group President and Chief Executive Officer
TD Bank Group
| 79 Wellington St W, Toronto, ON M5J 2Z9 CANADA |
September 9, 2019
Dear TD Bank as your staff could not listen, read or your systems as per the online internal account emails were BLANK. I have to resort to extraordinary means to reach you.
(1) Since your staff while on the phone refused to assist in allowing me to make a full report and Hung up. I have to contact senior management in the hopes that someone has the time to sort this out.
(2) The situation only became more complex due to the TD staff and what may well be ? internal corruption. I read that you are having issues with corrupt staff practices?
(3) The CD has all the documents as it is too much to mail to you in Canada and yet I have no idea if you will act on it as there is a certain capricious nature to TD communication?
(4) All of TD banks communication shenanigans has muddied my own communication process making it more convoluted.
(5) It was FIRST an attempt to warn you of the Colossal Fraud via the ATM’s in Malaysia. And to ensure my account is not ever compromised and since it happens so frequently and I had to call in often. Pay for it. The explanation process was becoming redundant and by now there should be a notice to ensure I get more prompt service.
(6) Then it became a complaint of the ridicule that I received from your staff and the Bizarre Blank communications. ? You have access to all this information and hope there will be a satisfactory conclusion. But that is up to you and your staff. Which is a huge Concern. You will have to contact me via email but I now understand you hate that as well.
With all that I have written about and the videos that EXPLAIN it all. I hope you understand it is a full report. Contact me via cristoph00cdc@gmail.com
Thanks
Christopher De Caermichael
TO: TD BANK
Head office
Bharat Masrani
Group President and Chief Executive Officer
TD Bank Group
| 79 Wellington St W, Toronto, ON M5J 2Z9 CANADA |
PLEASE NOTE THAT I WAS ON HOLIDAY IN MALAYSIA AND HAD AN ACCIDENT – AND I HAVE TO WAIT UNTIL I AM FIT ENOUGH TO TRAVEL. AND THAT I HAVE NO IDEA – WHEN THAT WILL HAPPEN.
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Date: Mon, Jul 1, 2019 at 10:36 AM
Subject: I GOT A REQUEST THAT I SHOULD CALL IN AGAIN BUT YOU HAVE SO MANY ISSUES
To: <customer.service@td.com>
CALL – IN -PERHAPS YOU DID NOT READ THE ISSUE –
D-2202748
THEREFORE CREATING A HOSTILE RESPONSE STRICTLY BY TD HORRIFIC BEHAVIOR,
I AM IN MALAYSIA – I PAY FOR THE LONG DISTANCE CALLS TO TD BUT AS YOUR STAFF DO NOT WANT TO COOPERATE – IN ANY MANNER ? SENDING ME BACK TO MAKE ANOTHER CALL TO YOU – SO THAT YOU CAN HANG UP ON ME> ??????????????????????????
SO THIS BAD BEHAVIOR – IS UNACCEPTABLE AT ALL TIMES. DO YOU UNDERSTAND ME.
THE ISSUE THAT I NEED ASAP -( D-2202748) IS THAT THE TRANSACTION # ON THE FRAUD RECEIPT –
LOCATION PALM MALL – D- # NMA03 – WHAT IS THAT NUMBER – THANK You
——— Forwarded message ———
From: TD Customer Support <Customer.Support@td.com>
Date: Tue, Jul 2, 2019 at 4:03 AM
Subject: RE: I GOT A REQUEST THAT I SHOULD CALL IN AGAIN BUT YOU HAVE SO MANY ISSUES
To: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Thanks for connecting with us, Xtoph. I’m sorry to learn that you’re having issues connecting with us over the phone, I’m happy to offer further direction.
We certainly want to look into this further to be able to assist you. As this is not something that we have access to through our unsecure email channel, we will need to speak with you through a secure channel where we can access your profile.
This person did not read or pay attention as – her on-line system DID NOT WORK EITHER
If you have access to EasyWeb, please login and send us a Secure Message. You can see how to send this here: : http://td.intelliresponse.com/easyweb/?requestType=NormalRequest&id=785&question=How+do+I+send+a+secure+message
I can certainly understand that it can be difficult to connect when you’re out of the Country. I’m happy to confirm that you use your Internet Access to use Skype to connect with us as well. You can download and register for free, and dial the toll free number 1-866-222-3456, on the dial pad. Representatives are available 24/7 to assist.Through this Unsecured Messaging channel, we can respond to general inquiries about the products and services offered by TD, and direct you to the appropriate secure channels. I apologize for any inconvenience that this may cause.
I hope this helps with your next steps, Xtoph. We look forward to your call.
All the best,
Krista I Digital Communications I TD Bank Group
TD Canada Trust 1-866-222-3456
TDD (Telephone Device for the Hearing Impaired) 1-800-361-1180 (toll free)
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Become a TD Fan on <A href=’http://www.facebook.com/TDMoneyLoungeCanada‘ target=’popup’>Facebook</A>
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- PLEASE NOTE THESE ARE COPIES ONLY ALL THE ORIGINALS ARE IN SECURE COMMUNICATION ?? DOCKET ? PLEASE SEE IF YOU CAN ACCESS THEM.. AS THAT MAYBE MORE TO YOUR LIKING?
———- Forwarded message ———
From: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Date: Tue, Jul 2, 2019 at 4:39 AM
Subject: Re: I GOT A REQUEST THAT I SHOULD CALL IN AGAIN BUT YOU HAVE SO MANY ISSUES
To: TD Customer Support <Customer.Support@td.com>
and perhaps you did not read or understand – that your secure channel? is severally compromised and all my attempts to contact you there as well failed – as I was told many times – IT WAS A BLANK DOCUMENT – TD you have 2 many issues – Your staff hang up on me – then your staff says my SECURE Communication is EMPTY BLANK etc. THIS IS IMPOSSIBLE- I SENT YOU AN URGENT REALITY – and you send me into your TD quagmire – Check your responses to me on your so called secure communication. it’s way to bizarre,
i am freaking out.. in Malaysia
On Tue, Jul 2, 2019 at 4:03 AM TD Customer Support <Customer.Support@td.com> wrote:
Thanks for connecting with us, Xtoph. I’m sorry to learn that you’re having issues connecting with us over the phone, I’m happy to offer further direction.
We certainly want to look into this further to be able to assist you. As this is not something that we have access to through our unsecure email channel, we will need to speak with you through a secure channel where we can access your profile.
THIS MESSAGE WAS SO SARCASTIC…
–——— Forwarded message ———
From: TD Customer Support <Customer.Support@td.com>
Date: Tue, Jul 2, 2019 at 8:10 PM
Subject: RE: I GOT A REQUEST THAT I SHOULD CALL IN AGAIN BUT YOU HAVE SO MANY ISSUES
To: Xtoph De Caermichael <cristoph00cdc@gmail.com>
Good morning,
Thank you for following up with us.
- We are happy to hear that you have sent us a secure message so that we can better assist you with your account.
- THIS IS A SARCASTIC -PASSIVE AGGRESSIVE RESPONSE FROM A TD STAFF.
- SHE IS HAPPY? I SENT A TON OF MESSAGES VIA ALL FORMS OF COMMUNICATION AND NOTHING WORKED AND SHE CHRISTINE WAS HAPPY? I SENT ANOTHER INTO A SYSTEM THAT DID NOT FUNCTION.
As mentioned, through this unsecured messaging channel, we can respond to general inquiries about the products and services offered by TD, and direct you to the appropriate secure channels to discuss your accounts and any specific concerns about your accounts that you have. I apologize for any inconvenience caused.
If you have additional questions or concerns, please do not hesitate to let us know; we are always here to help. Thank you again for connecting with TD. We appreciate your continued business and loyalty. I hope you have a wonderful day.
Regards,
Christine I Digital Communications I TD Bank Group
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