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TD customers in several provinces hit with fraudulent DoorDash debit charges

General Angela Calla 29 Jan

TD and DoorDash say they’re working to reimburse victims’ missing money.

When Karen Lee got hit with $157 in DoorDash charges to her TD debit card in late December, she knew immediately she was a victim of fraud.

“I don’t have a DoorDash account and I never heard of them,” said Lee, who lives in French Creek, a small community on Vancouver Island. “I feel violated.”

DoorDash, a food delivery service that has grown in popularity during the COVID-19 pandemic, doesn’t serve Lee’s region. Even so, Lee said when she went to her local TD Canada Trust branch to deal with the issue, she met other customers who said they were victims of the same fraud.

“[A customer] said, ‘Well, that’s what I’m here for.’ And then the lady behind him said the same thing.”

It’s unclear who is behind the scam, which isn’t confined to one region. CBC News interviewed six TD customers from three different provinces who said they were victims of unauthorized DoorDash debit card charges. Each person said they don’t have a DoorDash account and have never used the service.

Following the publication of this story, dozens more people contacted CBC News to say that they, too, had been targeted by the scam.

A common complaint among those who said they were victims was that they experienced long waits — often around a month or longer — to get their money back.

Lee said she got reimbursed on Tuesday — a month after she reported the fraud.

“It’s too long,” she said. “I’m a pensioner. You know, you’re having a limited income.”

Pamela Kinsman of Guelph, Ont., said she’s still waiting for her refund after discovering two fraudulent debit card transactions totalling $195 charged to the TD account she shares with her husband. She said she reported the issue to the bank on Jan. 9.

“It was very upsetting and unnerving,” Kinsman said in an interview. “I guess they do have to do a long investigation, but I think they should trust … the customers.”

Debit cards no longer just for ATMs

Over the years, banks have enhanced their debit cards so customers can use them not only to withdraw cash at an ATM, but also to make online purchases, much like a credit card.

That feature makes debit cards similarly vulnerable to cyber fraud, said Toronto-based cybersecurity expert Ritesh Kotak.

He said fraudsters can sometimes infiltrate a person’s debit card through nefarious methods such as mail theft, phishing emails or even a simple phone scam.

“We’ve seen people just calling up and saying, ‘Hey, can you verify your information or verify your account?’ And sometimes we end up giving up the information.”

Another problem is that, unlike with credit cards, debit card transactions withdraw money from your bank account. That means if you get a fraudulent charge, you’re out of pocket until the matter is resolved.

“That’s the tragedy here is that you are out your money, your hard-earned money,” said Kotak. “The bank is going to investigate the fraud. However, if anyone’s ever called a bank, you can be on hold for a long time.… It could take 10 days, it could take longer for that money to come back.”

TD and DoorDash respond

TD told CBC News that it investigated the fraudulent charges and that the issue has been resolved.

“Over an isolated period, a small percentage of TD Debit cardholders experienced fraudulent activity incurring unauthorized charges from a single merchant,” TD spokesperson Samantha Grant said in an email. TD has more than 13.5 million customers across Canada.

DoorDash said it’s working closely with TD “to help support and facilitate reimbursements.”

Grant blamed any delays the affected customers have experienced on “COVID-19 and related lockdown measures [which] have resulted in higher call volumes and longer than normal wait times.”

“We apologize for any inconvenience and are working hard to support customers, including bringing in additional resources,” she said.

Neither TD nor DoorDash offered an explanation as to how the fraud happened, but TD did suggest the pandemic and the shift to online shopping has had an impact on such scams.

“As we’ve seen customers migrate to online channels, we’ve seen fraudsters do the same,” said Grant.

This isn’t the first time TD has dealt with this type of scam. In 2019, CBC News reported that dozens of TD debit card users said they got hit with fraudulent charges from Spotify, a music streaming service.

At the time, the bank said “a very limited” number of cardholders were affected.

TD said this week it has security measures in place to help protect customers, and as fraudsters develop new tactics, the bank adjusts its safeguards accordingly.

How can customers protect themselves?

Typically, bank customers caught up in a debit card scam will be reimbursed if it’s determined someone fraudulently used their account.

Kotak said one way to guard against fraudulent charges is to ask your bank to block your debit card’s online purchasing feature by setting the card’s limit for online transactions to zero.

Lee did just that after discovering her two DoorDash charges. “It’s just for withdrawals and deposits. I don’t use [a] debit card for purchases anyway,” she said.

Kotak says when people receive debit cards, they should be able to choose whether they want the online purchase option turned on.

“If I want that feature, let me call into the bank,” he said. “Don’t auto-enrol people.”


Angela Calla is a 17-year award-winning woman of influence which sets her apart from the rest. She is without a doubt, a true expert in her field. Alongside her team, Angela passionately assists mortgage holders in acquiring the best possible mortgage. Through her presence on “The Mortgage Show” and through her best-selling book “The Mortgage Code, Angela educates prospective home buyers by providing vital information on mortgages. 

In August of 2020, at the young age of 37, Angela surpassed $1 Billion dollars in funded personal mortgages. In light of this, her success awarded her with the 2020Business Leader of the Year Award.

Angela is a frequent go-to source for media and publishers across the country. For media interviews, speaking inquiries, or personal mortgage assistance, please contact Angela at or at 604-802-3983.

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