Jordon Judge was defrauded of almost $20,000 via a phone call 'spoofing' scam targeting his Scotiabank Visa card. Scotiabank initially held him liable, citing the use of a one-time passcode, despite Judge's refusal to share it. After intervention by CBC Go Public and an investigation by Anglia Ruskin University, Judge was fully reimbursed, highlighting issues of bank transparency and customer liability in fraud cases.
Scotiabank holds customer responsible for almost $20K in credit card fraud
ScotiabankAnglis ruskin universityCBC Go PublicCBC InvestigatesGO PUBLICBy VancouverVancouverCanadian Anti-Fraud CentrePIACPublic Interest Advocacy CentreClaudiu PopaErica JohnsonGeoff WhiteBanking and credit regulationCrimeText messagingComputer and data security
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TL;DR: Key points with love ❤️Jordon Judge was defrauded of almost $20,000 via a phone call 'spoofing' scam targeting his Scotiabank Visa card. Scotiabank initially held him liable, citing the use of a one-time passcode, despite Judge's refusal to share it. After intervention by CBC Go Public and an investigation by Anglia Ruskin University, Judge was fully reimbursed, highlighting issues of bank transparency and customer liability in fraud cases.
Trending- 1 October: Jordon Judge receives a fraudulent call from a 'Scotiabank' imposter.
- 2 Two days later: Judge discovers two large fraudulent charges totaling almost $20,000 on his credit card statement.
- 3 Weeks later: Scotiabank sends a letter concluding Judge is responsible for the charges.
- 4 Later: Scotiabank's Escalated Customer Concerns Office (ECCO) upholds the decision, citing one-time passcode use.
- 5 Later: Scotiabank's Customer Complaints Appeals Office also claims evidence 'suggests' Judge revealed a one-time passcode.
- 6 Recently: After CBC Go Public inquiries, Anglia Ruskin University reimburses Judge for the $17,900 charge.
- 7 Recently: Scotiabank credits Judge's account for the remaining $1,800 charge and all accrued interest.
- Jordon Judge was fully compensated for the fraudulent charges and accrued interest after an eight-month struggle.
- The case highlights a lack of transparency from banks in fraud investigations and the burden of proof placed on customers.
- Cybersecurity experts and advocacy groups call for stronger federal protections for banking customers and clearer evidence from financial institutions when holding customers liable.
- Increased awareness of phone call 'spoofing' and vulnerabilities of SMS-based one-time passcodes.
What: Jordon Judge was defrauded of almost $20,000 through credit card fraud. Scotiabank initially held him responsible for the fraudulent charges, but later reimbursed him after media intervention and an investigation by Anglia Ruskin University.
When: October (initial fraud call); two days later (charges appeared); almost eight months (Judge's push for compensation); recently (Judge reimbursed).
Where: Vancouver (Jordon Judge's location); U.K. (Anglia Ruskin University, where a large charge was made).
Why: A fraudster used phone call 'spoofing' to impersonate Scotiabank, obtained personal information, and attempted to get a one-time passcode from Jordon Judge. Scotiabank insisted Judge was liable for the charges, claiming evidence 'suggests' he revealed the passcode, without providing clear proof of gross negligence.
How: A fraudster called Jordon Judge, spoofing Scotiabank's number, and asked for personal details and a one-time passcode. Judge refused to share the passcode, but two large charges appeared on his credit card. Scotiabank's internal appeals (ECCO, Customer Complaints Appeals Office) maintained Judge's liability. CBC Go Public contacted Anglia Ruskin University, which then reimbursed Judge. Subsequently, Scotiabank also credited Judge's account for the remaining charges and interest.