TO WHOM IT MAY INTEREST
March 01 of 2025: Rent paid to OCH by BMO automated system. My BMO account was debited for the monthly rent amount. ATM machine was out of paper, did not print mini statement, so I got a mini statement printed at a branch to show if required that my rent has gone out of my possession on first, but the bank statement will show the transaction posted on next working day, like previous two transactions of Jan and Feb which were also on a non-working day for the banks.
March 01 of 2025: Freedomobile and Fido both mobile phone service appears to have some difficulty in providing service on my mobile numbers around 01h24, will pursue during the day time to get it resolved.
March 01 of 2025: freedommobile was in violation of service agreement, my pay before service on mobile number 613-413-9237 has service disruption since February 28 and freedommobile staff was not able to resume full service on my mobile number. Thus was violation of service agreement on the pre paid line. I was told by one store that this was happening due to phone Ulefone I was using, perhaps freedommobile has changed something in their network cell tower setup that my phone is not considered compatible, I was using the same phone since 2022 on freedomobile network and pre paid service and it was working fine. According to Freedommobile BYOD program any unclocked phone will work on their network. So not working now would be implied as due to human intervention. Bell mobility SIM was working in this same phone for the past 5 five months trouble free. What is so different about Freedomobile and Fido network.
All these mobile phone companies who sell sim cards under BYOD/BYOP program should have a demo phone available at the time of service activation in the store to show that the SIM card was fully functional and when ever there was a issue with the service they should check it in their demo or testing phone as a bench mark phone, after that it should be customers responsibility to use a phone compatible with the sim card. This should be made mandatory by the authorities and CRTC for honest operation of these mobile phone companies. Just came out of Fido store around 15h15, they have the issue. Internet not working on mobile phone, freedommobile has the same problem, internet not working on mobile phone. Internet on mobile phone is part of the plan.
March 01 of 2025: long call from Fido resolve internet connectivity issue. Same pattern as before one person takes call, authenticated, takes some information and transfers the call to another person. It is like a duo team working together, never one person completes the task. Very unusual. Fido is a new service plan signed up on Feb 28 and no internet connectivity on mobile phone. matter was escalated to network team by the second person and a ticket number was issued. I find it very unusual. Why would they block internet connectivity on my service plan, which was signed just one day ago. Is it legal procedure or just a racism or discrimination. First time I used Fido mobile services in 1999 when there was no mobile internet connectivity/Data packets offered by Fido, it was just simple old style Nokia Phone, staff was more customer friendly, honest straight forward and generous, without negative attitudes or background politics. I never had to talk to support for any reason in the past, it was very reliable service, but not any more.
March 02 of 2025: I Called BMO bank on my VoIP phone to get the confirmation number of the rent payment transaction to OCH housing company dated March 01 of 2025 and instructed them to include the transaction date on the statement as a comment or details because since the March 01 of 2025 was on weekend transactions will be posted on March 03 but the rent was scheduled to be paid on March 01 of 2025 by the automated payment system of the bank. Late posting or late disclosure of rent payment was not late rent payment. Citizens must be protected by the social system (where it was available and applicable) and relevant agencies/authorities should meet with the tenants in person to determine the cause of the late rent payment if it was late, and how to avoid it, through a support system, and avoid the possibility of making false maliciously driven judgements against a person.
March 02 of 2025: I Called Purolator around 13h30 to cancel the Telus phone equipment delivery, because I have canceled the order, I do not want to use it at all.
March 02 of 2025: Today it was noticed that my oldest mobile number’s SIM on Rogers Wireless plan was in and out and disappearing from my phone, although it was physically inserted inbthe phone, but phone was reporting no SIM, very strange behavior of the SIM, so I decided to call Rogers to find out about it, why ??. around 16h30. No resolution, they think phone was defective, I was using the same phone Ulefone with Bell mobility SIM for several months, trouble free. My fido service and Rogers service (connected for success) are under two separate sales agreements, different account numbers.
March 02 of 2025: I called and spoke to Rogers Bank regarding the card application to cancell/withdraw it, which was processed by the Fido Sales person at the time of mobile SIM activation on February 28 of 2025:
March 02 of 2025: mobile service started on my fido sim today after two days disruption from the time of service activation.
March 02 of 2025: Bell and Rogers SIMs were delivered to me by a courier service in 2024.
March 03 of 2025: two sim failures were faced (bad experienced) by me during the past six months, Bell SIM failed in October 2024, Just within a week after activation which was delivered to me by a courier in my apartment, I was required to go to a store to get a replacement SIM. The second SIM failure happened on Rogers SIM on March 02 of 2025 while I was calling 611, failed during the call. Rogers SIM was also delivered to me by a courier in my apartment. Are they using low quality SIMs, why do they send it by courier, They should ask the customers to go to a store to get SIM cards if the order was placed on the phone, instead of causing a failure and then to send the customer to a store. Got both replaced at the retail service stores in Ottawa.
March 03 of 2025: Bought a motorola phone from bestbuy store at merivale , freedommobile sim seems to be functional on this phone. Further testing was in progress, did not work very well and failed by the time I reached home. I returned the product to the seller around 18h15.
March 03 of 2025: A man at Rideau St location of freedommobile does not know the speed of the data they were selling, when I asked him to call the corporate office to find out the dozed, he said he can ot call corporate office, he said I should talk yo CRTC. They are defrauding customers openly selling without knowing their product and bullying customers to talk to CRTC. They don’t want to fulfill the sales agreement, by explaining the products they sold to me. Consumer protection agency of Canada should look into these products that they were selling without knowing, are they making a fool of customers with the help of their position of power. Is there any position of power consumers.
March 03 of 2025: when I arrived (around 21h20) at the building 1909 Russell Rd, to get to my housing apartment 307, an OCH security vehicle was seen stopped at the property in front of the lobby/buffer zone entrance, after I entered the lobby a man was seen taking elevator #1, I tried to take the same elevator but decided not to, to check my letter box before going to my floor 3 apt 307.
March 04 of 2024: Today I decided to cancel the fido mobile service plan and signed up for a pre paid service of Rogers (offered through Chatr mobile ported the same number on Chatr pre paid service.). Visited the Walmart near Clyde to find a mobile phone compatible with freedomobile network (I have freedommobile sales agreement from this store). I bought the phone suggested to me by the Walmart mobility sales person. I am checking it out to determine if it was suitable for my needs. I was told it takes couple of hours to complete the process, during this transition spoke to fido as well completed the porting of the number. During to the heavy snow, low visibility, inclement weather usedcactaxi to come back to elm vale shopping centre.
In the evening went back to Walmart to return the wrong product, because it was of a wrong brand pre paid ibstead of freedomobile, never used before OS “myOS” which was not standard android, my service plan with Walmart store is freedommobile, during the cancellation/return process of the product register and the staff faced some diffulties, eventually it was completed. I was back in my apartment by 21h20, a car was seen stopped outside the building. Due to heavy snow transit was off schedule, long waits, snow removal vehicles were seen running, ambulances, and flashing light vehicles were seen around baseline/merivale area during the time I was waiting for octranspo bus. This phine was a ZTE nubia, not very useful, first ZTE phone I used was in 2018 in Hamilton, a ZTE android 4.3, operating system was obsolete, many apps did not operate on 4.3 but that was the best ZTE and best android phone I have used up until now, it had a unique feature of SIP calls which no other phone offered to this date. Texture of the matetial used, didplay, feel and looks were superb, only draw back was android version 4.3 , memory & storage and the old technology battery.
March 05 I of 2025: Rogers/Fido/Chatr are not able to decide how to port my number fido monthly service to Chatr pre paid service. All three were located in the vicinity of each other in the Mall. I wonder what was the hold up, I was told they want to make sure that there was no fraud in it. By delaying porting my number to pre paid service of Chatr (a sister company of Rogerscabd Fido) was a fraud by itself. I transfered my service to pre paid service 25 hours ago on March 04 of 2025 in the morning and it took more than 25 hours to complete, so what were they investigating, I wonder.
Finally I got my number ported, made a call to ported number using my number on rogers network around 14h40.
March 05 of 2025: When I ported my number from BELL to fido it was instantaneous hassell free, two different companies. But within the same company took longer to port from fido to chatr (chatr is a pre paid plan provider for both fido and rogers).
March 06 of 2025: why Telus/ Koodo charged me on February 28 of 2025. for the following transaction, I am not a user or subscriber of any of their services or product.
I called pc Financial, they want a cancellation from Koodo, this is blocking of my funds in a transaction which did not happen. This is not acceptable. Please refund my money back to my card either by Telus/Koodo or by PC financial. These merchants/retailers should be honest and friendly towards customers/consumers. Credit card used for this transaction belongs to {Khalid Mahmood}, it does not belong to “Khalid” which is vague name. For financial and legal transactions, always complete names and account number must be used. Accounts are assigned a number at the time of setup/opening and are accessed by numbers for transactions not by the names. Those who use names to access/locate accounts are highly likely to enter the transaction in a wrong and irrelevant account.
March 06 of 2025: Today freedommobile 611 and other customer service numbers were not reachable, I wonder what happened to it, NOT in service message was playing. So, I called freedomobile using a 800 number.
March 07 of 2025: an embulance was seen outside the building around 08h00 when I came out of the building through lounge. Since the ambulance was approaching the front entrance I decided not to be a hinderance in their operation.
March 07 of 2025: I Called Rogers tel and internet company (between 11h00 and 12h00) to find out about the plan changes which were not made by me, also called the Rogers Bank to update my information about the fido services cancellation, I was told by Rogers that a letter was on tge way in the maill, I will get it soon.
March 08 of 2025: remained indoors mos the date, except short walk to home hardware, independent grocery, star bucks and Rexall. One small transaction on my pcfinancial card failed, I thought it happened due to defective machine. In the evening I called pcfinancial to find out the reason for it, it happened due to insufficient funds, because the money I transferred onto the card on Friday March 07 was not posted yet. I feel bad about it. I apologize to Rexall for my hasty comment about their POS debit machine. Machine was okay, issue was related to pcfinancial.
Phone1/2:(613)413-9812//(289)990-6590
March 09 of 2025: remained indoors except short walk to the store.
March 10 of 2025: Troy team was doing testing in the building, on floor there but was no announcement was made on the PA system, firealarm was heard in my suite 307 around 11h15 for couple of minutes, I immediately picked up my brief case and went to the lobby to find out what was happening. A dispute was ditected on whether the announcement was made on floor three or not in addition to the fire alarm. a PA system speaker is right outside my apartment door across from the fire extinguisher enclosure on floor three. People were seen in the AIP office. I asked a woman in the corridor if there was fire. Because of the dispute about the announcement on PA before spending the alarm, I detect an attempt to lie or create a deception. Deception about my presence in the building. Since I was in my apartment, I know what happened here, I opened my apartment door several times to find out what was happening in the corridor. One tall person said perhaps they did not make announcement on all the floors, but it was made in the lobby on floor 1. They (Troy or any one else) should make such announcement for the entire building all floors. I don’t believe lies anymore, I know what I know. I was in my apartment 307 which was in the sane building. A young female worker was seen standing in the open door of the electrical room in corridor “B”, when I passed by the corridor to get back to my apartment 307 using stairs “B”, she turned her head to look at my back or something. There were other people in the corridor.
March 10 of 2025: a bogus letter related to rent payment was received in my box. My BMO bank account was debited on March 01 of 2025 to pay my rent to OCH which was posted on March 03 of 2025 in the statement, rent payment was nit late. I am the genuine signatory lessee tenant since 2023, I have rights as well. LTB should look intobthis matter of disturbing letters, from housing company. Such letters cause unnecessary stress, defamatiin and negative image.
March 10 of 2025: Today, I visited a TD canada trust branch where I used to go for banking needs as family during 1996-1998 in addition other branches. I have been a customer of TD and Canada Trust since 1993, but they still consider me like a new or unknown customer and delay my transactions.
March 11 of 2025: I did not order any products or services from Koodo/Telus, Koodo/Telus must call me back for any clarifications or otherwise revers the transaction of $73.40 dated Feb 28 of 2025. Thanks to Koodo mobile for completing the cancellation by reversing the charged money back to my card. Appreciated. was not completed yet as of March March 12 of 2025 around 09h00.
March 11 of 2025: since my only source of money in 2024 was from Service Canada and CRA rebates, I have decided not to file my taxes at this time. CRA computer systems can calculate my tax return automatically, because I have no income to report for the year 2024. At the time of filing bankruptcy taxes will be filed automatically as part of bankruptcy.
March 14 of 2025: I just heard in a panel discussion on live streaming session, that by tariff us govt. will loose consumer basecause of increased prices. In my opinion that nay be ibe aspect of it, but another aspect of it would be to not import into USA from foreign conutries and manufactur locally in USA to create jobs. Thus was my non-political common sense opinion.
March 11 of 2025: fire alarms were heard around 19h30, immediately picked cked upy briefcase and went out doors, several fire trucks were seen around the buildings ng. I walked to the ELMVALE library and came back by 20h00. I entered the building from B side entrance, a guard was seen at the door to corridor, so decided no to go through the lobby, I took B side stairs to get to file 3 and my apartment.
March 12 of 2025: Telus/Koodo debited my card on February 28 of 2025 without any products or services, now to get it reversed it took about 10 to 12 days and lot of efforts. But the money was not credited back to my card yet as of today around 10h45. So, I called PC financial, I was told by the staff on the phone, merchants have rule to refund money and takes so many days to get the money back, I was also told by PC Financials card issuer that the transaction revearsal is pending because bank has rules of upto 15 working days to process the reversal from the merchant. I find this highly questionable rule in practice, that they take money from customers card without proper authorization and to get the money back takes processing times of the merchants and process times of the bank/financial jnstitution for an unauthorized transaction of $73.45 which is a very small amount of money, the rule would make some sense if the transaction amount was in the magnitude of thousands or millions of dollars. Perhaps that’s how they build heaps of money reserves for themselves by blocking money from consumers one by one.
I was on vehicle 6512 around 17h20 route 48, because of a detour it went through a slightly different neighborhood. bound for Elmvale. I was back at my place by 1745.
March 12 of 2025: Somebody left a blank voice message on my chtr prepaid line which I retried around 18h00 when I git a chance.
March 13 of 2025: Today around 10h00 I checked my pc financial account and found that the unauthorized transaction was reversed and my same card has been credited. But there was another reversal seen in process on the same card which I will not accept. Monitoring of the situation continues, why this was happening.
I called pc financials about this situation around 10h30 and also, I have submitted a complaint to pcfinancials about a specific merchant that Koodo was posting wrong and unauthorized transactions on my PC WMC, so warch it and do not postbut without my personal authorization.
March 14 of 2025: on phone with freedommobile for some payment related matter, which was resolved in a timely manner, quickly without dragging it.
March 14 of 2025: I am not a magician, I do not know any magical tricks, but technology itself is still or was considered magic when not well understood due to lack of knowledge and lack of necessary education. Examples, like in the past couple of hundred years ago light bulbs, other inventions were considered magicians’ hat tricks. But not anymore.
March 14 of 2025: stepped out of my apartment for a walk around 19h00, went to Lyon stop of oc-transpo line in downtown area, visited a restaurant to find out about their happy hour specials on beverages, walked around a bit and came back to my apartment by 21h20 via lansdowne/Billingsbridge and Elmvale. A loudly speaking man with lot of placards, including a yellow color VOTE sign was on vehicle route 46 from Billingsbridge.
March 15 of 2025: today I got out of my bed around 08h00, now I was getting ready for the this day around 10h00. I have my daily log displayed on my Philips monitor on the wall in my apartment. During the past two hours, I ate ice cream and drank a cup of coffee. Also played a little bit with my electronics toys checked internet speed today on my Philips monitor and other misc activities.
March 16 of 2025: around 10h00 I went outdoors for a walk, checked breakfast place, was too busy for a take out required some wait time, bought a cup of coffee with a cookie from Starbucks, consumed it in the shop before heading back to my apartment. This was a rainy, foggy and mild winter day in Ottawa Ontario Canada. On my way back one tall person asked me the departure time of route 55 when I was checking the schedule of route 46.
March 17 of 2025: went to Ottawa Mission administrative offices to forward a message to the housing worker regarding my conversation on the phone about a week ago, no mail was received yet from her to sign. Came back via Minto place, visited TD branch regarding the short name issue on the transaction receipt. Transactions on saving is account print short name so that it matches with the persons initials, but in the chequing account transaction receipts short name is printed differently. I suggested that short name should be identical on all accounts abd account owner, holder, user should determine what shirt name should be, short name should always natch with the person’s initials. It appears to me also heard this morning that it was upto the banks staff to decide what short name should be, which was incorrect. Banks provide financial services and charge a fee for it, so account owner, user, holder should decide the short name which must match with the initials. For my short name must match with my initials KM. Quickly Bought some grocery from independent grocery store in the mall, the Billingsbridge mall, due to some scheduling issues with public transit decided to come back to my apartment by a taxi and paid by cash. First time I was required to write my names initials was during immigration process for the landing documents in Canada which were based on my phonetically translated name in English, before that it was never required, However, at times, before immigration to Canada initials meant to me something like short signatures instead of full signatures, as a indication that the written material, documents, reports etc. was read or proof read by me.
March 18 of 2025: Today since early morning Rogers, Chatr and freedommobile link was below 1Mbps on my mobile phones, which makes internet browsing unusable. These companies are required by their sales agreement to maintain a certain 4G/LTE or 5G speeds for internet browsing to be acceptable and meaningful. If not than it will be disagreement. It is about consumers rights and protection for paid/purchased services. either monthly billing type or pay before type services.
March 19 of 2025: around noon time stepped out of my apartment, went to downtown, walked around 1 Nicholas St. Building across from the Ottawa Mission, took a taxi to Minto place cane back by bus via Billingbridge and St-Laurent Mall, where I went to speak to Rogers/fido/Chatr regarding internet speed issues and fido billing, Rogers store staff told me you call over there phone due their limited access. I am not fido customer, so I have no bill from.fido rather I am their pre paid service customer which was offered through Chatr Mobile. Around 18h00 I called Rogers, no one answered my call for one hour, so I ended the call. Also spoke to fido billing depot. that I am Chatr customer which is not a monthly bill service. I was also told by Mac at the Rogers store inbthe Mall that my mobile data plan (i.e. mobile phones internet vonnectivity) was used up. Which was not true, because in my previous bill cycle of Rogers all of my previous connectivity was not used up, there was some left over, which was less in total GB size than the current period connectivity, so how can that be used up within few days after activation. Perhaps there was some network error or AI algorithms issues which compute / track these usage. However, Rogers technical support department was not available on the phone when I called them to look into this matter.
March 19 of 2025: Chatr wireless mobile and Rogers wireless mobile internet upload speed was so slow this morning around 09h00 that my Ulefone crashed and became unresponsive when I was uploading files to perseve on my personal google cloud storage linked to my google TV email address.
March 19 of 2025: most of the mobile phone companies have IVR systems mostly for two type of calls 1) billing related or 2) technical. Purpose of the technical support provided by these mobile phone companies to subscribers/consumers is to resolve issues related to the company’s products or services, cell tower network related, issues which is covered by their sales agreement without any additional cost to the consumers. They don’t provide support on how to operate a phone, or how to configure a phone or how to build a phone directory etc. It was in the interest of the phone companies to provide such technical support at no cost to keep the services running. It was not a overhead neither a favor to the consumers, it was their responsibility.
On the other hand, specialized professional products such as computers, operating systems, vehicles, control systems, need a service contract to get support because of the specialized nature of the products and services which is provided (or used to be provided by highly skilled and experienced support staff). And two type of support can not be compared. Some limited support is provided free of cost even for specialized products as a good will gesture and to retain customers
If someone’s internet was not working, it was obvious that service provider needs to check their system at the company premises why the internet was not working, ISPs don’t charge for this kind of support becuase they get a monthly subscription from consumers to provide a trouble free smooth service. If not consumers can seek for an alter source of services. There must be consumer protection laws to protect consumers from all Service providers to gang up against or to stop services to certain consumers. such as anti monopoly or anti cartel laws.
March 19 of 2025: I was told by Rogers phone support around 16h00 that my bill was not released. I wonder what was the difference between issuing, printing and mailing a bill and realesing a bill. Was this a legal terminology to say that bill was not released. (Some times bill was not released, some times bank statement was not released). Consumer level Service providers companies are required to meet certain standards and requirements to get paid, one requirement is that they have to issue a bill and/or invoice and a due date. Recently they started using such techniques as utility bill or bank statement not released, upon following up they do it as if they were doing a personal favour instead of responsibility or duty.
March 19 of 2025: in the evening visited downtown and YMCA, made a ten dollars donation to use their wifi, instead purchasing a day pass, wifi was very slow, like 5 mbps, it was also learned that since they have replaced their computer systems, my previous member ship records were not accessible, so a new record was created in the system.
March 20 of 2025: 14h45 a huge mob of unruly grown up children/ or perhaps students tried to enter the bus route 55 outside a school on main St. without letting the passengers out of the bus, it was almost stampede like situation, next bus after that was also packed full, as if some one was trying to block the buses by students. Students should use scholld buses instead of public transit on main routes.
March 21 of 2025: fire alarms started in my apartment and in the building around 12h55. When I opened the door to step out doors , a purolator package was found at my door, delivered without my signature. Who delivered a package without signature. Fire trucks arrived around d 13h00
March 21 of 2025: Returned (was sent back) the unexpected delivery to Rogers, incorrect router/modem by the same courier located at Bank St. Informed Rogers connected for success over the phone about this RTS. One Gen 2 modem router was sent back to Rogers in October 2024 after cancellation of home internet services.
March 22 of 2025: I, Called Bell Canada regarding the statement of account I received on March 21, after mobility services cancellation, my account with bell was showing a negative owing amount (credit in my favour) after a payment on February 21 of 2025.
March 23 of 2025: made a bill payment to Rogers at a bank out of savings account.
March 23 of 2025: I heard something unexpected during a call around 19h45, from a TD staff on the phone that their fraud alert system generated a alert for making a deposit in my savings account at an ATM machine. I find this very strange, and reason behind it was that, system did not know who made the deposit. Does it make sense. So, why they have this feature in the ATM machines to allow deposits at the ATM machines. I did not raise alert and did not question any deposits, so why would the system generate an alert. TD canadatrust was nit using g biometrics ATM card abd they don’t picture at the ATM machine, so how would they know who made the transaction, so what was the purpose of such alerts, or the ATM machines should not have the feature in question which raised or caused the alert. I have been a customer of TD and Canadactrust since December1993 and still bank would raise alert flags for such questionable reasons. Since 1993 till year 2002 I used to have a highest credit rating, after that since 2006 to 2021 I was on Ontario Works social assistance, and I was never involved any questionable financial activities, so what waa the reason for lack of trust. Most likely because of people”s bad mouthing, wrong information, malicious intentions, defamation, create unnecessary problems, misuse of authority and position.
March 24 of 2025: BOGUS SMS / text messages in English and Spanish were received in my inbox , perhaps to misguide the authorities or someone, I am not sure who. Money does not appear in the inbox, it is only message that appears in the inbox, after that at some point it has to be converted into cash at a financial institution directly or indirectly. So I hope these illitrate criminal minds will come to their senses and stop using such techniques and using another person’s phone number or email address. Such low level, illitarate retards can not succeed in their crimes. If they were so smart would not be in such crimes, and should do something main stream or qualify from educational institutions, to go through educational and professional rankings. Please refrain from using my phone numbers and email address and names. If they were so smart abd powerful should use their own abilities openly and transparently for their operations instead of disguising behind others names, numbers, emails, IDs etc. Be bold disclose yourself, and operate honestly and legally (accordingly the countries laws, if don’t like countries laws than change them according to the process of the country).
March 24 of 2025: around noon time visited a TD branch to fix a card issues, branch printed receipt in two different formats if Short names” whichbus incorrect, it should be consistent, matching with the initials. Work in progress on this issue. Short names on chequing a count abd savi gs accounts receipts were printed as two different names, Khalid M. And Mahmo K (incorrect short name spellings) for the same account holder, associated with same IDs, same address etc fir the same owner. Which is wrong, all the banks and financial institutions should be consistent on this matter. I see no use of short names on the transaction receipts, instead of short names why not print full names, or just the account number or ID number. All other receipts of purchases, invoices etc. print full names, so why not print full names on banks’ transaction receipts as well.
March 24 of 2025: TD canada Trust was holding my $25.00 in a chequing account for some fraud detection, as I was told by the phone staff when I called them around 18h00, I was at a branch in Downtown in the afternoon, it took me a long time in line, for me to get to a teller to talk to a bank officer as was suggested by a message on the ATM machine display. There was no such issue at that time, I spoke to the phone line of the bank as well, no mention of any frauds. This seems to be retaliation of some kind to my objection on the short name issue on the printed receipts. Chequing and Savings accounts transaction receipts print different short names on the slip for the same account holder, same owner at the same address, same apartment, same IDs. Malicious intents. When I pointed out this discrepancy, a man claiming to be the manger of the branch Said, it depends on how you entered the short name, there was no such entry required by me at the time of setting it up. Which means the TD Canada trust staff is not familiar and not well trained on their own systems, and they make such loose and meaning less statements while talking to a senior customer of the bank i.e. circa since 1993. I have filed a formal complaint to TD canadatrust bank to provide me the legal reason in printed writing for holding $25.00 – I made a deposit of $5.00 in my chequeing account mainly to get the printed transaction receipt to see how my short name was printed, and compared it with a transaction receipt out of my savings account from a previous transaction and showed it to the manager (he used to work at 180 Kent St. branch of TD Canada trust located adjacent to Minto place.) So what was the relationship between these two transaction receipts and holding (i.e. blocking of my money to reduce spending or reduce purchasing power towards the end of the month when most people need money most) $25.00 in my chequing account. Such measures just create unnecessary stress and hardship without any just legal cause for it, without any compensation or remedy and results in waste of efforts to get these matters resolved.
March 25 of 2025: I have instructed TD bank in Canada to close all my accounts with TD and Canadatrust around 11h00 in person, one savings account was closed in my presence and payment was made to a pcfinancials card. There were NO td canadtrust accounts in foreign countries opened by me, ever.
March 25 of 2025: found an envelope from bell in my letter box 307, upon opening it, a a credit cheque from Bell was found in it, I have attached it with the bell statement to submit it to a bell store.
March 26 of 2025: this morning I called TDCanadatrust on their phone service called easyline (on internet they call it easyweb) to make a payment to pcfinancial card, and close the recently TDChequing account (due to their system related issues and inability to fix the short name issue), I was told to visit a branch to close it, I find it a bit strange. Inconsistency in their record keeping for the same account holder may result in legal complications. I have documented earlier that TD canadatrust uses something call shortnames on transaction receipts which prints different shortnames on chequing and Savings accounts for the same person, same owner, same IDs, same address, same ATM card (called access card) linked to the account profile.
March 26 of 2025: fido mobile company in Ottawa took money from my card, although I am not fido customer and fido does not provide me any products or services. Based on my recent bad experiences in Ottawa it appears to me that retail level services providers and retail market is not consumer friendly anymore. Somehow they always try to con consumers out of their money and their channels to resolve such issues are very hard to reach, i.e. takes few weeks to get money back, which means they block consumers money by unauthorized transactions, and build their own heaps and reserves of money. I can speak for myself, I am not sure about other consumers. But if they were coning me only by such techniques, why would they con me. Who was providing them strength to do this to me, under what laws ?? without telling me the reason for it, without legal court approval for such techniques. While I was talking to TD Canadatrust on phone around 14h30 from my apartment 307, the person thought I was talking about or wanted to change name, that was incorrect and wrong assumption. I was not changing my name, my male is correct in bank profile and on my accounts since 1993, matched with my IDs, what is wrong is the way they print short name on transaction slips/receipts. I detect some resistance from the TD canadatrust staff about this issue, they don’t want to hear about the short name on savings account slips. Call got dropped when I was on phone with the TD account closing team, call was transferred several time to get to the account closing team. This a count shows completely wrong spellings of my short name. Banks and financial institutions should give high priority to customer concerns and fraud free customer suggestions, fraud free interests, instead of any other interests, and customers pay for the services provided by the banks and financial institutions. I wonder if they were making use of my presence at the branches, just for this small matter of opening and closing accounts with insignificant amount of money like 5$, $20 soant tines they want me to visit a branch, abd doany call transfers to get to the relevant department. This is very discouraging. In the past, these procedures used to be very simple for genuine authentic customers with relevant documentation. I hope TD Canadatrust banks’ Ombudsman, consumer protection agency and Ontario Ombudsman’s staff was reading my log book/digital diary to make these operations and organizatiobs better.
So TD Canada trust bank chequing account was closed at branch in my presence, I was required to sign some kind of statement, and I asked fir a closing statement at the end.
March 27 of 2025: When visited Delta hotel in downtown Ottawa, no one knew information about the meetings taking place at the hotel, upon asking few questions it was revealed that all the meetings at the hotel were secret meetings, although the meeting names were on displays but no other information such as how to contact those organizers etc. Something new developing in hotel industry, in the past, hotels used to have events Coordinators to provide such information.
March 27 of 2025: My rent was fully paid as of today and uptodate, not sure why OCH was sending letters for early termination, I have no such information from my housing workers of Ottawa Mission or LTB SOT 58722-15. Next rent payment will come out of my bank on April 01 of 2025, I have a automated biller setup for payment to OCH on the first of every month for the whole year of 2025.
March 28 of 2025: in the morning visited tax filing /bankruptcy locations, bought a YMCA day pass in the afternoon.
March 29 of 2025: I ate my big brunch at a restaurant located on the lower floor of billibgsbridge, this Saturday.
March 29 of 2025: I heard a recorded message on the phone that March is fraud prevention month, I am anti fraud and always make an effort to prevent financial fraud.
March 29 of 2025: I was making payments to my credit cards from my savings account, chequing account of pc finamcial, scotia and TD, but all of the payments do not show as posted, I wonder why ? I wonder who blocks or steals my payments. This was a note to myself to track my payments and organize my cards better and not trust the companies. Apparently, for some people it was acceptable to con and defraud others, specially the vulnerable of the society who were not connected to the poweful positions to look or to be considered izzat daar. Perhaps that’s why March was the fraud prevention month, if the frauds were insignificant, no one would talk about fraud prevention month in March. I was blindly trusting the system, I should not. Gift cards and credit cards are different kind of financial instruments. Some gift cards can ge reloaded with cash to reuse the same card, credit cards need a regular payment to keep the card reusable otherwise it will become unusable after it reaches the credit limit. Making a payment to a credit card, making a bill payment to a utility or service provider or making any kind of payments was not a fraud, absolutely NOT. Money laundering techniques used by some wealthy ” izzat daar ” was a fraud and crime, but making legitimate payments was not a fraud, was not a crime, like swaping sim cards with some one’s own phones (under same ownership) was not a crime.
March 29 of 2025: Fraud prevention month message on some bank’s recorded message was heard few times. I wonder if this was due to money laundering and complicated financial deals involving frauds, or was it because of the false system related flags, misinterpreted as frauds without actual fraud activity associated with it. In my opinion, to raise a fraud alert without fraud activity is a fraud by itself with malicious intents.
March 29 of 2025: I have submitted a message to KPMG trustee of my personal bankruptcy of 2007 at KPMG, printed record of the message available if and when required. Visited KPMG office on floor 8 a day earlier on March 28.
March 30 of 2025: it was a freezing rain and slippery day in Ottawa. Stepped out of my apartment around 07h45, meals and dining at various restaurants all day, was back at my apartment by 16h30 after a busy.
March 31 of 2025: Completed tax filing at a H&R block location, paid processing fee by cash a $100 note, first time I used H&R block services to file my taxes after BDO Dubwoody, was in perhaps 1997 and now in 2025. Most of the time during OW social assistance I was filling the forms by hand in my own handwriting and after CRA allowed the use of Netfile, I started filing electronically, perhaps people were assuming that I did not call, or I didn’t file. Wrong assumptions, wrong information, wrong understanding, wrong thinking. we thought this, we thought that, but never thought correct, which is the main cause for most of the problems in this world. I hope no one steals and no one uses my tax records for any reason under any authority abs under any justification, if they were so influentials and powerful, they should be proude to use their own documents and resources instead of using some one else’s records/resources. I was staff of a company located on Thurston Drive at that time below DND floor, which was nearly 30 years ago, I look different now due aging etc, my offsprings were babies at that time. But my genes are still the same. Bio metrics are still the same, just that I am wiser, older and more disciplined because of the 30 years of hardship, but I am still well and alive. I am anti fraud, anti crime and anti corruption. Slip issued by the H&R block was incomplete/inaccurate and did not show that I paid by a one hundred dollar (100$) note. the slip was showing $94.91 paid which was not correct, it was a one note of $100 that I paid to the company to pay for the preparer/facilitator fee. I was issued a change due back of 2 coins of $2.00, one coin of $1.00 and a coin of $0.10 total $5.10 out of $100.00 total cost $94.91 so H&R Block must do one of the following two, round the cost to $94.90 (will be a good gesture to reduce the price by rounding one cent covered by the system in practice) or round the cash due back to the customer as $5.10 and company should issue a corrected receipt for this transaction for their services out of $100.00 bank note paid by me from my own pocket. This is known as synergy when sum is greater than the components combined together.
Published by
Engr. {(male) KhalidMahmood}
Ontario DL#: M01684340561220
Phine:(613)413-9812
Phone:(613)413-9237
Apartment 307 – 1909 Russell Rd, Ottawa Ontario Canada K1G3P2