TD Bank Faces Sanctions Request After Losing $67 Million Verdict

David Voreacos and Susannah Nesmith, Bloomberg

Toronto-Dominion Bank (TD), after losing a $67 million verdict over claims it aided a $1.2 billion Ponzi scheme, should be sanctioned for “altering” a document used at trial, an investor said in court papers.

Coquina Investments, which won the verdict on Jan. 18 in federal court in Miami, seeks sanctions after a trial over whether TD Bank should have detected money laundering that supported a Ponzi scheme that disbarred attorney Scott Rothstein ran out of his law firm.

The unaltered document shows TD Bank designated Rothstein, Rosenfeldt & Adler as “HIGH RISK” in letters on a bright red band at the top of the page, according to a March 26 filing by Coquina. The document, which Coquina introduced into evidence after getting it before trial from TD Bank, has a black bar that obscures the words, according to the filing.

“TD Bank’s purposeful withholding of the true original RRA Customer Due Diligence Form constitutes evidence of willful bad faith,” according to the motion. Failure by the bank and its lawyers to say anything about the document being admitted into evidence “demonstrates both intentional malfeasance and a flagrant lack of candor to the court.”

Coquina, based in Corpus ChristiTexas, seeks “just and appropriate” sanctions and a referral to federal prosecutors for investigation of possible obstruction of justice charges.

TD Bank, Canada’s second-largest lender, doesn’t comment on litigation, spokeswoman Rebecca Acevedo said yesterday in an e- mail.

Copying Problems

In a court filing on April 12, the bank denied Coquina’s claims of “altering a key document and working a fraud on the court and the jury.” Rather, it blamed problems in the copying process during the pretrial exchange of evidence known as discovery. That process inadvertently blackened all colored headers, including the words “high risk,” on the documents.

“We sincerely regret this copying error,” said TD Bank in a motion filed by its law firm Greenberg Traurig LLP. “But it was that (i.e., an error), and not an effort to hide the ‘high risk’ designation.”

The filing also disputed Coquina’s claim that its case was harmed by the document, noting that other sections of the “customer due diligence” form showed that Rothstein’s firm was designated as high risk.

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America’s Least Trusted Banks

Huffington Post

According to a new report out this week, customers are much less likely to trust big banks than credit unions and regional banks.

In its annual customer advocacy rankings, Forrester Research, the Cambridge-based research firm, asked 4,500 customers at 50 banks if they agreed with the statement “My financial provider does what’s best for me, not just its own bottom line.”

Forrester ranked the financial institutions based on consumers’ responses, and the nation’s largest banks were overwhelmingly the worst performers, with only around a third or fewer of customers at big banks saying that they believed their financial institution put customers’ interests first. By contrast, about 70 percent of credit union customers responded positively to the statement.

Bill Doyle, a Forrester VP, told the NYT that the pattern of distrust toward the mega banks is nothing new. In the seven years the company has been conducting the survey, he said, big banks have repeatedly landed at the bottom of the list:

“Part of it is that the banks are preoccupied with their bottom line. They are public institutions who are in business to make money for their shareholder and inevitably, that shows to customers,” Mr. Doyle said.

7.Bank of America

6.JP Morgan-Chase

5.Capital one

4.TD Bank

3.Fifth/Third

2.Citibank

1.HSBC

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