Dean said

My question is ... without her account number and pin number, how did the scammers do it ⁉️

I don't think all the facts have been presented here.

Account number can be obtained from one of the cheques drawn on the account.

Don't need the account number to withdraw using the bank card. A bank card PIN can be reset. That's probably why she received a one-time verification code by SMS to her mobile phone.

If the withdrawals were done using her bank card, then how did the scammers get her bank card?

Her bank, TD, has investigated and denied her claim for the losses according to CBC story Winnipeg woman slams bank's decision not to refund her after 'dumbfounding' scam.

At 0:21, it shows one cheque with the cheque number 2277 in the MICR line. At 0:28, video shows a cheque with account number 100999999. At 1:31, it shows a cheque with cheque number 99999 and account number 999999999999.

I doubt any bank would accept the same cheque deposited 21 times through mobile cheque deposit into one account.

itsme said

In the article it said that the scammer deposited the same $100 cheque multiple times, does this not raise a red flag to the bank? 

I find that odd, too.

I once accidentally deposited a cheque made out to my brother into my personal account. Since he was not a signatory on the account, it was rejected. We had to have another brand new cheque re-issued because I was told that even if I had retrieved the original cheque and tried to re-deposit it into his personal account, the fact that an attempted deposit had already been made, the cheque was somehow marked/recorded and could not be re-deposited in the future.

Dean said
.
Sadly, yet another one ... https://www.ctvnews.ca/canada/.....f-dollars/

My question is ... without her account number and pin number, how did the scammers do it ⁉️

I don't think all the facts have been presented here.
Dean  

In the article it said that the scammer deposited the same $100 cheque multiple times, does this not raise a red flag to the bank? So the bank allows withdrawals of fake deposits, what is the hold policy on cheques for????

Dean said
Good idea ⬆️, Smayer97❗

Would they just send a normal email, or does Interac
have a special Payment Request feature ?
Dean  

Via your bank site, you initiate an Interac Payment Request with the payment amount desired. A special email is sent to the person, who then needs to select their bank, log in and accept the payment request for the amount shown. Interac then sends the funds for the requested amount to the initiator.

My question is ... without her account number and pin number, how did the scammers do it ⁉️

I don't think all the facts have been presented here.

Dean

smayer97 said
Another way to minimize the risk of this kind of scenario is to ask the person to send you an Interac Payment Request. This way, the information is accurate.  

Not every FI supports Interac "Request Money" feature. A person you are dealing with might not have account with FI that will let them send money request through Interac.
Just FYI.

Would they just send a normal email, or does Interac
have a special Payment Request feature ?

Dean

Dean said
.
Be carful with those e-Transfers❗

➡️ https://www.ctvnews.ca/toronto.....s-mistake/
.
Check Twice, Send Once

Like the recipient in that case, don't e-Transfer the funds back just because someone you don't know claims they sent you the funds by mistake.

Deposited Interac e-Transfers are supposed to be final. But, there is a loophole somewhere to yank deposited ones back in some cases. See previous discussion.

➡️ https://www.ctvnews.ca/toronto.....s-mistake/

.
Check Twice, Send Once

Dean

Y.S. said

Agreed.

Oh Come-on ... don't hold back ... give us the 'Full Scoop'.

Let 'er Rip❗

Dean