TD Bank review: TD fraud/scam prevention/negligence

I was scammed via a spoofed call, yet provided no personal info to the scammers, in fact, they had some of my personal information (legal name, birthdate, last 4 digits of my Visa card).
They were professional and knew bank identity confirmation protocol well. I became alerted at the end of the call when they asked me to approve the transaction in my banking app - which I refused, but then received 2 text messages to my phone which promptly disappeared when I attempted to screenshot them.
The transactions were pending. I called the bank immediately, in shock, and told them about the incident, which they reassured me, was only still pending. The bank actually credited me for the charges, and then nearly 2 weeks later, put them through again. I made an RCMP report about the incident as well, detailing what had occurred.
They declined my claim, and insisted that I had violated my user card agreement, which they did not specify how. They claimed that because they could not find the breach, that I was responsible, that I somehow assisted the scammers. I have taken this matter through the senior complaint banking channels, and cannot get any resolution, or even reply from the bank (my last contact attempt was approx. 2 weeks ago).

I have now taken it to the ombudsman, but communication is very slow, at best. I do not get any clear answers to my question, and in fact, have answered, in depth, all questions asked by the bank and ombudsman.
This has been a very stressful, and time-consuming issue, and I have been completely disregarded by TD Canada Trust, after being a long time customer, and one that has been quite diligent about safeguarding my information.
I strongly recommended, numerous times, that if TD needs to notify customers of these scams, via website main page, and easyweb login, so that it is mandatory viewing, which they only started doing on December 17th 2025 (see screenshot).
I feel that TD has been completely negligent in properly informing customers, and has not fulfilled their legal duty regarding transparency of investigations:

By law, banks, and anyone representing them, must not:

communicate or provide you with false or misleading information
Banks are also required to provide written notice to acknowledge when they receive your complaint and have to be transparent about the procedures they’re using to deal with your complaint

https://www.canada.ca/en/financial-consumer-agency/services/rights-responsibilities/rights-tied-selling.html

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