But I promise this will be incredibly helpful for you and the Scorpio man you desperately want.
As a bright Psychology student, I thought it impossible to understand a Scorpio man, especially when he likes a woman.
You see, a Scorpio is so confusing. He can be so hot and protective, but he can be so cold, distant and unemotional, like Mr. Spock from Star Wars. It’s a tall order to “get him.”
Until one day I stumbled upon how to read a Scorpio man like an open book right out of the gate.
Initially, I was skeptical about it, but then I realized the incredible power of astrology from close quarters. This revelation is what leads me to my understanding of a Scorpio man’s deepest desires, his personality, and his nature in love.
In a moment you’ll discover subtle yet accurate ways to read a Scorpio man who seems nothing but a stone to you now and you’ll get a roadmap to snatch his heart.
As you follow that map and unlock his heart you’ll find he is attentive to your every word, like a puppy, thinking and fantasizing about you not just with love but with a deep sense of worship, begging you to be his and only his..
Can you REALLY get a Scorpio man to chase you, even if your signs are incompatible?
I didn’t believe it either, until it happened with me when someone used this magical power on me.
Hi, my name is Anna Kovach and I’m an Astrologer.
The reason you’re here is because you’re interested in a Scorpio man. Maybe you love him and you want to understand him, or you like him and want him to chase you, or maybe you just want to get a Scorpio man back in your life.
In any case, you’ve come to the most valuable website on the Internet because I promise you, woman to woman, that here you’ll find secrets that were hidden from you, ones to make him obsessed with you, ones that will break through a Scorpio man’s sometimes weird and dark nature, despite him trying his hardest to play mind-games with you or to ignore you.
Let me begin with a simple truth that you may already know: our intentions and our actions create our destiny. The reason you found this hard-to-find page tells me that your destiny has something in store for you.
What could it be? We don’t know yet. But by the time you’ve read this page you’ll get all of the answers and you’ll have a step-by-step plan to steal a Scorpio man’s heart and to make him fall desperately in love with you.
Here’s a glimpse of what you’ll discover here:
Do you know that astrology can easily bring you love, luck, and happiness with a Scorpio man?
When a Scorpio man feels that you don’t “get him” he pulls away or gets possessive, and ends the relationship even if he wants to be with you.
Scorpios, being co-ruled by Pluto (the god of the Underworld), are mysterious.
No matter how long you two have been living together, or how many Scorpios have you dated, he’ll never reveal certain dark and mysterious parts of his personality.
When you give off different signals and speak in a language he doesn’t resonate with, it adds to his misunderstanding that you’re not the one to whom he can give it ALL.
That is when Scorpios draw back emotionally. They give excuses of being busy, they send you confusing vibes, they get stubborn about their thoughts, their plans, and their schedules, and suddenly they turn ice cold or they become clingy.
It’s the beginning of the end of trust in a relationship. If you want to stop or reverse all of it then I have great news for you.
A Scorpio man doesn’t have to be the mystery that they are.
Here I’ll tell you the strange story of how I used astrology to attract my man like a magnet. It doesn’t matter whether you don’t know his name or you think you know him better than he knows himself, you’ll soon find that the magic of astrology can help you get him easily and without much effort.
Even though I’m a devoted astrologer now, not that long ago, the horoscopes, zodiacs, and astrology were just a bunch of mumbo-jumbo to me.
But then I met “The One”.
I was a college senior when I started dating this hot man, Frank, a Taurus. He was nice and I became addicted to him. I was finally happy, looking forward to walking down the aisle with my love, my soul mate, and my destined partner.
For a couple months everything was fine, until suddenly things nosedived and troubles crept in between us. I couldn’t understand why he was doing what he was doing, and how I should have handled him and his dark personality.
I didn’t want to lose him, but it seemed that no matter how hard I tried to save our relationship it just wouldn’t work. I had no idea how to make him happy and how to stop my soulmate from pulling away.
He doubted our future together and I could not stop him from dumping me. I could not make him love me.
One day he suddenly broke up with me over the phone. BAM!
All of my dreams were shattered in a moment and I was devastated. My worst fears were manifesting. The harder I try to mend things with him, the quicker he was pulling away.
Why is this happening to me?
Yet another wonderful man left me for no fault of mine.
I cried for days, and then, taking pity on me, my mom suggested that I take a vacation to Romania. My family emigrated from there when I was a little girl.
I didn’t feel like going to Romania. I thought he would come back. And then, I saw him with another woman. I grew determined to forget him.
I packed my bags and left for Romania. I thought new people would help me. My first stop was Otopeni, located at just slightly north of Bucharest. And at Vernesti, my aunt came to pick me up. It is about a half an hour drive from where she lives in Soresti.
It was a pleasant journey and a big surprise was to come. Was there a new relationship or someone for me in Romania?
When I saw my aunt, she was absolutely radiant. I immediately felt an avalanche of positive energy and I began to feel much better.
Even as I was enjoying the countryside, she surprised me by asking what was wrong with me! I did not want to keep things to myself so I vented everything out into the open. It was so relieving.
My aunt smiled and nodded as if she was expecting it, and said, “What sign is he?”
And when I replied she had an even BIGGER grin.
I was astonished, why is she so insensitive? I’ll probably have a tough time here, I thought.
And then something happened which confounded me.
She revealed a few details about Frank that I never mentioned to anyone. I must have looked puzzled and stupid the entire time.
What nobody told to me was that my aunt was an ace astrologer. Actually, astrology is big in Romania. Television and newspapers are filled with ads from psychics, astrologers, and oracles.
When finally we reached her home, which was more like a castle, I discovered she is doing well in her vocation. Her customers include top honchos, big politicians, and CEO’s. People would fly in from around the world to consult with her.
We finally settled down for refreshments, and my life was about to change, forever.
I was still surprised about how she got things correct about Frank, and then she prepared a full Synastry report and I was blown away. To me it looked like a complete psychological analysis and I realized if only I had this information earlier then things would have turned out much different.
But now it was too late and I assumed that Frank had already moved on.
But that’s when the magic of advanced astrology was about to begin, despite us being not very compatible.
You see, astrology is much more than the usual junk you read in magazines and newspaper horoscopes. It is a much deeper science. And if you’re still not fully convinced then here are some facts for you…
Of course, you must know the phenomenon of the tides. The sun and the moon, even when they are millions of miles away from the earth, move HUNDEREDS OF BILLIONS OF TONS OF WATER so effortlessly!
Our bodies are built with 70% water and along with others celestial bodies influence our decisions and life.
But still, many people think that astrology attracts the unscientific. But the truth is far from it, studies show that astrology appeals mostly to intelligent and logical people.
What do famous scientists like Galileo, Albert Einstein, Carl Jung, and Johannes Kepler have in common?
All of these scientists believed in astrology.
In fact, it recently came to light that the wife of Ronald Reagan, one of America’s most famous presidents, relied on Astrology to guide her husband to great success in White House AFTER the Iran-Contra fiasco in the mid-1980s.
There is no doubt that from politics, to the stock market, to relationship problems and marriages, Astrology is one of the most consulted sciences when it comes to making big decisions.
There is overwhelming proof now and in 1960s in a study, astrologers beat psychologist left and right when it comes to predicting case histories.
This is when I began to take this science seriously.
I realized how, as a Gemini woman, I was so incompatible with a Taurus man. And then, as if my aunt took my hand and gave me an insider’s look into the nature of Frank’s mind, all of his hidden thoughts and emotions became crystal clear to me. What was he thinking, what had he wanted, and how had he wanted things to go?
I wished I had taken the tour to Romania before, but luckily something amazing was about to happen.
Armed with this new knowledge, I packed my bags and left on a mission to GET my Frank back.
I wasn’t sure if Frank was seeing another woman or not, but without anymore fuss I called him.
He immediately picked up the phone and asked me where I was, and then we talked for over an hour. No pleading, and no emotional blackmailing. I tried to stick with what my aunt had told me and I talked in his language!
By the time, we finished something incredible happened and Frank said there was something different about me and asked if we could meet.
I didn’t know what to say, but I tightened my fist and wanted to scream a “yeah”.
When we met I followed the psychological roadmap that was shown to me by my aunt. I was terrified and I thought, what if Frank realizes I’m playing games or that I have a script?
But by the time we finished he was clearly feeling guilty for breaking up with me!
And he wanted to come back.
I didn’t know how to behave, but I wanted to run and scream with joy. Somehow I kept my composure and politely said, “we’ll see”.
Long story short, he came back and I realized the power of my vocation.
For the next few years, I regularly visited my aunt and learned this science from her and other top guns. Ultimately, it became my profession and I started helping others in their relationships.
Now an obvious question you may have is, what happened to our relationship?
Our love grew deeper and stronger and Frank was always besides me…
We enjoy traveling and talking late into the night, and after almost two years after our patch up he went down on his one knee and proposed me to marry him.
I was in heaven!!! I wanted to dance and kiss him wildly. I had merely followed the roadmap to his heart, which was shown to me by Astrology.
And this roadmap and this psychological profile of a Scorpio is what I’m going to give you today. It could be your secret weapon to attract and make a Scorpio guy mad for you.
It could be your secret weapon to attract and make a Scorpio guy mad for you.
How to read a Scorpio Man like an open book
Imagine his mind as a maze and his heart at its center. You need to solve his puzzling talk, confusing mind games, and mood swings in order to get there. You must get the real meaning behind what he does and says.
Now what if you have the secret keys to his heart and a cheat-sheet to control him?
Of course, you can spend a fortune on expensive and cumbersome consultations with relationship counselors or therapists or coaches… but I’ve done something that will blow your mind away.
Here’s why I’m excited: a few years back I did something that was an instant success. Many women (and men) wrote thank you letters for helping to attract or save their relationship. And at the same time, I received requests for help with Scorpio men!
It was then I did something totally unique.
I knew Scorpio men can be challenging and even more challenging is to keep them interested. Many women felt a tremendous connection with their Scorpio man only to find a week or two later that he had turned icy cold. This pattern is easy to avoid, especially when you know how to deal with it.
And you’ll be amazed how a few simple tweaks in your approach could make him open up like a news reporter.
This is astrology simplified for you.
Some women may express doubt, but many times I’ve seen those same women dropping their jaw with surprise when they finally hold their Scorpio man in their arms.
No matter how powerful this is, I know I can’t consult everyone. So I have put all my step-by-step information I discuss with 1-on-1 clients into a practical, easy-to-follow guide, Scorpio Man Secrets.
In this guide I’ve poured the essentials of Scorpio men into a step-by-step manual.
This powerful information within reveals everything about Scorpio men, and you get what it’s like to be in their shoes and how to attract them naturally, without them being suspicious about anything. And make it HIS idea of chasing you.
Would you like to gain control over your Scorpio man’s heart and make him your addicted puppy?
You might be thinking, “But he is so cold and distant. I don’t know how will I attract and keep him?”
The answer is simple when you resonate with him and give him what he wants. He’ll happily chase you even if right now you seem incompatible.
As you know, this guide gives you an immense power to control a Scorpio man. So after a good thought I’ve decided NOT to share it with every woman. You MUST qualify three simple terms to access it immediately:
1) Never use this power unethically,
2) NEVER seduce or attract a married or committed Scorpio man,
3) Never manipulate a Scorpio man in a way which harms him or anyone else.
Now that you have responsibility in your hands, I invite you to try this power for yourself.
Introducing ‘Scorpio Man Secrets’
DISCLAIMER: Scorpio Man Secrets comes as a digital product. The image above is for only for visualization purposes.
Scorpio Man Secrets is a step-by-step guide completely demystifying a Scorpio man and empowering you to have him truly capture the present with you and not thinking about someone else. Not in his head, not closing his eyes, but truly, 100% YOURS for as long as you want.
You won’t find such information anywhere else, because it is a one of a kind guide. And it is way beyond what you would ordinarily read in magazines or newspapers about a Scorpio man.
It lays out a roadmap not just for his love for you, but for a deep sense of devotion to you.
It’s a perfect blend of astrology, psychology and something called Sextrology.
And it works like clockwork on Scorpio men who are dating multiple women or who are afraid of commitment, or on any other regular Scorpio-next-door, to have him choose you and only you every time, every day.
For starters, here is a sneak peek inside Scorpio Man Secrets, you get:
And this is just a fraction of what you’ll discover in your copy of Scorpio Man Secrets.
Now, I say it’s good, but I might be biased so don’t just take my word for it. See what others have to say about Scorpio Man Secrets (and you get so much more than just the original guide!).
Here’s What Others Say About Scorpio Man Secrets
(names have been changed for privacy reasons)
“What you do to help people is amazing. Thank you. I never put too much stock in astrology because the usual description of Aquarius is so far off the mark for me- but after reading a few things on Scorpios and realizing it fit him to a T, I decided it was time to look more deeply into it. Your book is an amazingly valuable resource.”
Anna, here’s why I purchased. I couldn’t understand why he is not vocal about his feelings…I texted him first 70% of the time and I just wanted to understand him better and not ruin a good thing. Now all I can say is Thank you Anna. I’ve learned a lot by having this book and it is bang on of course.
“Thank you so much for inspiring books regarding scorpio men. Read them several times. My (potential) scorpio man is amazing… we have connected on such a deep, soul level, but the timing is awkward, difficult. I wanted to gain some insight, largely to know if I should keep going or distance myself. Your books have been really insightful. I only wish I’d read them sooner.”
“Anna my scorpio boyfriend seemed distant. I am so deeply in love with him and don’t want to lose him. I on the other hand do not want to make him think I am too clingy or too high maintenance either. I want him to know I am in it for the long haul. I would like to thank you for creating such a wonderful book. I have gained lot of information from reading your books.”
Evangelina, 46, Capricorn
“I recently dated a Scorpio and wanted more insight into this intriguing sign…The way our zodiac signs play a part in our mannerisms and personalities interests me, and understanding what actually makes a Scorpio man tick would be very helpful if I ever encounter another. I’d like to thank you for the incredible insight on the enigmatic Scorpio man. I’ve only recently discovered your guides and I was truly fascinated with your accuracy.”
…and I receive letters like these every day.
Now obviously every relationship is different. I don’t know if this will work for you nor can I guarantee it. Every relationship is unique and there are so many factors involved that require personal chart analysis.
But I DO know that this WILL help you understand your Scorpio man, communicate better, and speak his language… and if the stars are aligned on this relationship… who knows?
Either way, I hope ‘Scorpio Man Secrets’ proves as valuable & useful to you as it has to thousands of other couples…
The bottom line is that whether you’re looking to attract a Scorpio man or you’re looking to deepen your relationship with him… Scorpio Man Secrets is designed to help you at every stage of your relationship.
And that’s not all, because our quest to get a Scorpio man will be incomplete if I don’t tell you about sex and what a Scorpio man likes, loves and hates in bed!
How does Scorpio man see sex? How important is sex to a Scorpio man?
The answer’s inside this special BONUS guide…
Introducing ‘Scorpio Man Sextrology’
DISCLAIMER: Scorpio Man Sextrology comes as a digital product. The image above is for only for visualization purposes.
He may never tell you his deepest desires for fear of being judged, but I’ll tell you ALL about him and his deep, dirty and sometimes even dangerous desires.
And when you get this hidden aspect of his personality you’ll see how easy it is to keep a Scorpio man happy for as long as you want!
Here’s a glimpse of what you get inside your Scorpio Man Sextrology guide:
You’ll get a full sexual compatibility chart and many more dark secrets that I can’t reveal here. He’ll feel that you truly understand him unlike any other woman ever has! And this is exactly what will draw him to you. These are just some of the reasons you’ll find Scorpio Man Sextrology so useful and revealing. This knowledge alone makes the difference between your relationship succeeding, or never even becoming one!
Now that I’ve discussed everything about Scorpio men in those pages, you now know that all you need to attract and keep him is available for you to access within 5 minutes.
But before I give you access I have more bonuses for you to ensure that you get all possible and practical help to get what you want.
25 Surprises To Delight Your Scorpio Man
One thing Scorpio men absolutely love to have is the special attention that you can shower him with. These are the things that make him fall in love and brag about you to his friends! I want to arm you with these so you are never out of clever (and sexy) ideas that’ll make your Scorpio want you as his girlfriend.
Keeping that trait in mind (Scorpio’s love to feel special), I designed this guide, which will give you tailor-made ideas (which don’t ask for more than a few bucks), and these ideas can get a flood of emotions and even tears rolling off his cheeks, no matter how stone cold he is!
Scorpios have their own ways to feel special and this free bonus is designed to help you nail him.
Here’s a fraction of what you’ll discover in this free bonus:
One thing Scorpio men absolutely love to have is the special attention that you can shower him with. These are the things that make him fall in love and brag about you to his friends! I want to arm you with these so you are never out of clever (and sexy) ideas that’ll make your Scorpio want you as his girlfriend.
Keeping that trait in mind (Scorpio’s love to feel special), I designed this guide, which will give you tailor-made ideas (which don’t ask for more than a few bucks), and these ideas can get a flood of emotions and even tears rolling off his cheeks, no matter how stone cold he is!
Scorpios have their own ways to feel special and this free bonus is designed to help you nail him.
Here’s a fraction of what you’ll discover in this free bonus:
And exactly 22 more ways that will make him feel special and inspire primal love for you.
How To Get a Scorpio Man Back
The pain of losing someone is raw and real, much like death. I’ve been there myself and in your grieving this free bonus can be insightful and helpful to regain your Scorpio man’s lost attention (and love).
Here’s some of what you’ll learn inside:
And much, much more ways to get a Scorpio man running back for you.
How To Text a Scorpio Man
I’ve saved the best for the last.
You see, communication is happening all of the time, whether you say something or don’t say anything, it’s happening even with your eyes or the way you dress!
And these days it’s so easy with messengers and emails. The thing is, most of the time, in the beginning of a relationship with your Scorpio man, you’ll be sending a lot of text messages, so it’s very important that you text in his language. And one of the best ways to win a Scorpio is by resonating with him!
Here’s what you’ll find inside:
And many more Scorpio man texting gems that’ll help you make him yours.
And you receive access to the complete ‘Scorpio Man Secrets’ program, along with all of the bonuses, within just 2 minutes when you decide to order your copy today.
But it’s not over yet!
If you’ve continued reading until here then it means you REALLY want to get your special Scorpio man, and the reason I’ve developed this program is so I could reach out to women just like you and help you as much as I can. You are special and once you realize the magic held in the stars you’ll realize how easy your journey can become.
The best thing is that you don’t have to pay a fortune to obtain 1-on-1 services for a good astrologer like me. Instead, you could access everything at a bargain right here. You get it all at just the fraction of the cost to what 1-on-1 private clients pay me! And you get the deepest, direct look into a Scorpio man’s mind, you’ll have such a deep understanding of him that he’s basically like an open book!
An even better thing is that your investment is completely risk-free. Yes, I absorb your risk with my no-loopholes, no questions asked, 60-day, 100% money-back guarantee! That’s how confident I am you’ll be absolutely blown away by the value you get in Scorpio Man Secrets.
“If I’m not completely satisfied with my investment, for any reason, then within 60-days I must have my money back, without fail.
I am confident that I’ll attract and keep my man with the ‘Scorpio Man Secrets’ program which will help me tap into the magic held in my stars.”
That’s my 100% money-back guarantee to you here today!
Now, you know your investment is completely risk-free, the obvious question is:
It really doesn’t take much to add it to your cart…
Just take a look at what you’re going to get in just 5 minutes:
And that’s nothing compared to the value of knowing how to attract and keep your Scorpio man in love with you. Before you go here’s the final lesson: what do men find irresistibly attractive in women?
So you have nothing to lose. Try the full program for 60 days, and if you’re not satisfied for any reason, even if you don’t like the text (now I’m not encouraging you to), just email me and I’ll ensure every dime is refunded to you.
It’s your ability to go after what you want.
And it’s your time to show some because I have unlocked the doors for you.
All you have to do is click the ‘Add to Cart’ button below to walk through the door and download your full ‘Scorpio Man Secrets’ program now.
Your payment will be processed through CLICKBANK’s secure checkout page (256-bit security). Enter your card details, and once you complete your purchase, you’ll be directed to your special download page where you get instant access to your full Scorpio Man Secrets guide and all of the free bonuses to steal his heart away.
Scorpio Man Secrets comes in convenient PDF format, so whether you’re on a computer, tablet, or smartphone, or whether it’s 2 A.M. or 2 P.M., or whether you’re in America, Asia or Australia, you can instantly start learning about your Scorpio man from the privacy of your home, while snuggling in your bed or sitting on your couch sipping coffee.
Now click the ‘ADD TO CART’ button and take advantage of your special offers and bonuses.
Click Here To Order ‘Scorpio Man Secrets’ Risk free
May the stars be on your side,
Your friend and relationship astrologer,
PS: If you’ve any question regarding the above program, please contact me at support@scorpiomansecrets.com and I (or someone from my team) will get back to you quickly.
Let me help you out with two scenarios…
You know I’ve stacked the deck so much in your favor that you can’t lose, but if you still decide to walk away from this offer, close this page and leave things to chance then chances are nothing will happen as you know our actions create our destiny.
And a few weeks from now you may regret you were so close to making it happen but you choose not to… your guy has gotten away from you, and left you to chance…
Just click the ‘ADD TO CART’ button below. I personally promise you’ll be happy you did.
Click Here To Order ‘Scorpio Man Secrets’ Risk free
Again, I’m Anna Kovach and I can’t wait to hear about your success.
DISCLAIMER: Anna Kovach is a pen name and brand name of
ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click
Sales Inc., a Delaware corporation located at
1444 S. Entertainment Ave., Suite 410 Boise, ID 83709, USA and used by
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Dollarama Inc.’s food aisles may have expanded far beyond sweet treats or piles of gum by the checkout counter in recent years, but its chief executive maintains his company is “not in the grocery business,” even if it’s keeping an eye on the sector.
“It’s just one small part of our store,” Neil Rossy told analysts on a Wednesday call, where he was questioned about the company’s food merchandise and rivals playing in the same space.
“We will keep an eye on all retailers — like all retailers keep an eye on us — to make sure that we’re competitive and we understand what’s out there.”
Over the last decade and as consumers have more recently sought deals, Dollarama’s food merchandise has expanded to include bread and pantry staples like cereal, rice and pasta sold at prices on par or below supermarkets.
However, the competition in the discount segment of the market Dollarama operates in intensified recently when the country’s biggest grocery chain began piloting a new ultra-discount store.
The No Name stores being tested by Loblaw Cos. Ltd. in Windsor, St. Catharines and Brockville, Ont., are billed as 20 per cent cheaper than discount retail competitors including No Frills. The grocery giant is able to offer such cost savings by relying on a smaller store footprint, fewer chilled products and a hearty range of No Name merchandise.
Though Rossy brushed off notions that his company is a supermarket challenger, grocers aren’t off his radar.
“All retailers in Canada are realistic about the fact that everyone is everyone’s competition on any given item or category,” he said.
Rossy declined to reveal how much of the chain’s sales would overlap with Loblaw or the food category, arguing the vast variety of items Dollarama sells is its strength rather than its grocery products alone.
“What makes Dollarama Dollarama is a very wide assortment of different departments that somewhat represent the old five-and-dime local convenience store,” he said.
The breadth of Dollarama’s offerings helped carry the company to a second-quarter profit of $285.9 million, up from $245.8 million in the same quarter last year as its sales rose 7.4 per cent.
The retailer said Wednesday the profit amounted to $1.02 per diluted share for the 13-week period ended July 28, up from 86 cents per diluted share a year earlier.
The period the quarter covers includes the start of summer, when Rossy said the weather was “terrible.”
“The weather got slightly better towards the end of the summer and our sales certainly increased, but not enough to make up for the season’s horrible start,” he said.
Sales totalled $1.56 billion for the quarter, up from $1.46 billion in the same quarter last year.
Comparable store sales, a key metric for retailers, increased 4.7 per cent, while the average transaction was down2.2 per cent and traffic was up seven per cent, RBC analyst Irene Nattel pointed out.
She told investors in a note that the numbers reflect “solid demand as cautious consumers focus on core consumables and everyday essentials.”
Analysts have attributed such behaviour to interest rates that have been slow to drop and high prices of key consumer goods, which are weighing on household budgets.
To cope, many Canadians have spent more time seeking deals, trading down to more affordable brands and forgoing small luxuries they would treat themselves to in better economic times.
“When people feel squeezed, they tend to shy away from discretionary, focus on the basics,” Rossy said. “When people are feeling good about their wallet, they tend to be more lax about the basics and more willing to spend on discretionary.”
The current economic situation has drawn in not just the average Canadian looking to save a buck or two, but also wealthier consumers.
“When the entire economy is feeling slightly squeezed, we get more consumers who might not have to or want to shop at a Dollarama generally or who enjoy shopping at a Dollarama but have the luxury of not having to worry about the price in some other store that they happen to be standing in that has those goods,” Rossy said.
“Well, when times are tougher, they’ll consider the extra five minutes to go to the store next door.”
This report by The Canadian Press was first published Sept. 11, 2024.
TORONTO – The U.S. Consumer Financial Protection Bureau has ordered TD Bank Group to pay US$28 million for repeatedly sharing inaccurate, negative information about its customers to consumer reporting companies.
The agency says TD has to pay US$7.76 million in total to tens of thousands of victims of its illegal actions, along with a US$20 million civil penalty.
It says TD shared information that contained systemic errors about credit card and bank deposit accounts to consumer reporting companies, which can include credit reports as well as screening reports for tenants and employees and other background checks.
CFPB director Rohit Chopra says in a statement that TD threatened the consumer reports of customers with fraudulent information then “barely lifted a finger to fix it,” and that regulators will need to “focus major attention” on TD Bank to change its course.
TD says in a statement it self-identified these issues and proactively worked to improve its practices, and that it is committed to delivering on its responsibilities to its customers.
The bank also faces scrutiny in the U.S. over its anti-money laundering program where it expects to pay more than US$3 billion in monetary penalties to resolve.
This report by The Canadian Press was first published Sept. 11, 2024.
After a long day at a work event in July, Kathryn Kozody was relieved when she spotted a car with a lit-up taxi sign.
She thought it was odd when the driver told her she’d have to pay her fare with a debit card. Still, a tired Kozody hopped in the car.
“I was like, ‘Fine, it’s kind of weird, but let’s go home,'” said Kozody, who lives in Calgary.
Nothing else seemed off — until the next day when she discovered that almost $2,000 was missing from her bank account. On top of that, her debit card had someone else’s name on it.
Kozody concluded that the taxi driver was a fraudster who, during the debit card transaction, recorded her PIN, stole her card and handed her back a fake.
“I started freaking out,” she said. “It’s terrifying when they have your debit card.”
It took Kozody about two weeks to get her money back from her bank, and she’s still rattled by the experience.
The day after taking what she thought was a ride in a taxi, Kathryn Kozody of Calgary found out someone had withdrawn almost $2,000 from her bank account. (James Young/CBC News)
“It really felt like an invasion of privacy and a violation to be a victim of this scam,” she said. “I really don’t want it to happen to anybody else.”
The taxi scam isn’t new; Toronto and Montreal have been seeing it for years. But the crime is becoming more widespread.
This summer, police in Calgary,Edmonton and at least five cities in southern Ontario, including Kingston and Ottawa, posted warnings online that they had received multiple reports of the scam.
Police and the Canadian Taxi Association say the fraudsters have a helping hand: with the click of a button, they can purchase a generic — but official looking — taxi roof sign on e-commerce sites like Amazon.
Edmonton Police posted this alert on Facebook in July, warning people about an ongoing taxi scam. The city’s police department says that it received about 10 reports of the scam that month. (Edmonton Police/Facebook )
“They do have a moral responsibility to at least sell the signs to individuals that are properly licensed,” said association president Marc André Way.
However, the U.S.-based company continues to sell the product to all customers.
“These lights are legal to sell in Canada,” Amazon told CBC News in an email.
‘Eye-popping’ numbers
The taxi scam has several variations but typically ends the same way: the victim pays with a debit card, then the scammer secretly steals it and hands the victim a similar but fake card. Shortly thereafter, money disappears from the victim’s account.
Ron Hansen, deputy chief of police in Sarnia, Ont., said his department received 12 reports of the scam in July, with one victim losing $9,900.
Toronto police report that since June 2023 the department has received 919 reports of the taxi scam, totalling $1.7 million in losses.
Jessica Chin King of Toronto said after a recent cab ride, she got a suspicious activity alert from her bank. She learned $600 had been withdrawn from her account. (Craig Chivers/CBC)
The numbers are “eye-popping,” said Toronto police detective David Coffey.
“When they do get a victim, they are quick to go right into the bank accounts. They’re quick to empty them out.”
Jessica Chin King of Toronto said just 15 minutes after a recent cab ride, she got a suspicious activity alert from her bank. Turns out, $600 had been withdrawn from her account.
“I was like, ‘Wow, I can’t believe that just happened.’ I was in shock,” said Chin King, whose bank later reimbursed the cash.
She said she too was fooled by the taxi sign atop the car.
“I was in the car with somebody who wasn’t a taxi driver. Anything could have happened,” she said. “I was thankful that it was only my bank [account] that was compromised.”
Taxi light for $35 on Amazon
CBC News bought a taxi sign from Amazon for $35. It has a magnetic strip on the bottom, so it easily sticks to the top of a car.
To power the light, an attached wire can be run through the driver’s window and plugged into the car’s auxiliary power outlet, also known as the cigarette lighter outlet.
The taxi association says licensed taxi drivers typically get their roof signs from speciality suppliers, and they are hardwired to the car — not powered via the cigarette lighter.
“When you see that … it’s obvious that it’s not a legitimate taxi,” said Way, the association president.
“This is not a safe, practical way to distribute the trusted ‘Taxi’ signs,” he wrote.
CBC News ordered this $35 taxi sign on Amazon. The attached wire can be run through the driver’s window and plugged into the car’s auxiliary power outlet, while the lights for licensed drivers are hardwired into the vehicle. (Sophia Harris/CBC News)
But Amazon told Way — and CBC News — the signs will remain on its site, because the company isn’t breaking any rules.
“It’s going to be quite difficult, I think, for anyone to stop Amazon from selling a product that is perfectly legal to sell,” said Toronto criminal lawyer, Daniel Goldbloom. “It’s true that these taxi signs can be used to commit scams, but kitchen knives can be used to commit murder — and we don’t stop retailers from selling those.”
But Way isn’t giving up hope.
He says the taxi association also plans to ask other online retailers, such as Temu and eBay, to stop selling the taxi signs and will lobby provincial governments for legislation that regulates the sale of the product.
However, Coffey said he believes the best way to fight the taxi scam is to educate people about it.
“Never, never give another person control of your debit card,” the detective said.
Victims Chin King and Kozody also want to spread the word.
“The more people know, the less likely it is to happen again to somebody else,” Kozody said.
