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Descant · 02-20-2026, 05:15 PM

About 10 days ago, I got a call from TD Bank telling me they were restricting my checking account because of fraud on the account. "Please come in, in person, to open a new account. We can't discuss on the phone." Good for them. Eventually, they told me somebody in Phoenix, AZ was trying to access the account and since that was geographically strange, they automatically took action. Automatic deposits would still go through, but no payments would go out. The hardest part of the new account was conjuring up new user name and password.

A few days later, apparently unrelated, somebody hacked into my computer, claiming to be from Microsoft.

No money actually taken, but I froze credit cards and other bank/broker accounts. TD's fraud dept put a temporary freeze on my new checking account. Fidelity suggested getting my computer "professionally cleaned" which I did. They found and removed some apps that probably would not have shown up on the usual home remedy malware apps. Wife and I do not have joint accounts or shared credit cards so we can always have access to services even if somebody steals a wallet while we are traveling. My local computer service (CEJ Computer) can access our computers and the "professional cleaning" just took a phone call. With fraud involved, the local PD was quick to send an officer by to take a report and give guidance. They can't do a lot with out of state scammers, but keeping track makes it better if there are continued local issues so they're happy to assist.

A nuisance but no harm done.

02-20-2026, 05:15 PM	#10
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,591 Thanks: 1,414 Thanked 1,703 Times in 1,107 Posts	TD Bank About 10 days ago, I got a call from TD Bank telling me they were restricting my checking account because of fraud on the account. "Please come in, in person, to open a new account. We can't discuss on the phone." Good for them. Eventually, they told me somebody in Phoenix, AZ was trying to access the account and since that was geographically strange, they automatically took action. Automatic deposits would still go through, but no payments would go out. The hardest part of the new account was conjuring up new user name and password. A few days later, apparently unrelated, somebody hacked into my computer, claiming to be from Microsoft. No money actually taken, but I froze credit cards and other bank/broker accounts. TD's fraud dept put a temporary freeze on my new checking account. Fidelity suggested getting my computer "professionally cleaned" which I did. They found and removed some apps that probably would not have shown up on the usual home remedy malware apps. Wife and I do not have joint accounts or shared credit cards so we can always have access to services even if somebody steals a wallet while we are traveling. My local computer service (CEJ Computer) can access our computers and the "professional cleaning" just took a phone call. With fraud involved, the local PD was quick to send an officer by to take a report and give guidance. They can't do a lot with out of state scammers, but keeping track makes it better if there are continued local issues so they're happy to assist. A nuisance but no harm done.