Interac Email Money Transfer scam - funds returned
Just wanted to seek any experts' opinion and see what can be done.
I recently received a few Interac E-Transfers from some friends I don't know so well, and before accepting the money, I called TD Bank to ask how it worked. TD said that it is fully secure, the money is first verified that it is in the seller's account and then once you accept the funds, it is fully your money, in your account, ready for use, and, most importantly, IRREVERSIBLE. I asked, "Are you sure it is irreversible? There is no way for the sender to get the money back?" and the TD operator said, "Yes, it is irreversible. The only way for the sender to get the money back is for YOU to manually send it back to them, otherwise it is YOUR money."
I withdrew and spent the money.
Now I received a call from TD saying that those were "fraudulent funds" and they will be reversed, and I will now owe them the amount. I said, "No way! I had expressly called you before accepting and a TD representative said that with an Interac E-Transfers, once I accept it, it becomes MY money, irreversible, and I expect TD to keep their word. There is no way I am bearing responsibility as a result of that statement being untrue."
So now they are saying that the decision is final and I either pay them back or they will go through a collections agency.
I can't get a hold of my "friends" anymore, and I'm furious that TD told me that it was NOT reversible and now it turns out, it IS reversible!! I don't want to be wrongfully chased by a collections agency. What can I do?