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Problem using a debit or ATM card. TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the