Consumer complaint received 2018-09-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, at XXXX XXXX ; I went to the XXXX Post Office ( XXXX XXXX XXXX XXXX in the XXXX to buy two different money orders for a total of {$1500.00} : {$800.00} and {$700.00}. I gave {$800.00} cash to the clerk and told him to charge {$700.00} and the money orders fees on my debit card. When I was putting my pin number I saw a total of {$1500.00} in the machine. The clerk put the receipt and the money orders in an envelope. On the receipt it is showing {$1500.00}. On the same day in evening, I checked my bank account when I realized that the clerk overcharged my card. All {$1500.00} instead of {$700.00} which represents {$700.00} money order and {$3.00} fees. The next day, early in the morning, I went to the Office to talk to the Supervisor. I didn't see him but I saw the clerk who recognized that I gave him the {$800.00} cash and he did everything right in the system but said he didn't know what went wrong. He made a copy of the receipt and took my phone number to call me back. He never ever called back. I called XXXX XXXX XXXX and I have a CA number : XXXX and a ticket number : XXXX. 
I went to the bank to change the card and claim my money. The bank misunderstood and gave me {$1500.00} credit. I called and the bank took the money ( {$1500.00} ) back. I  made another claim and the bank gave {$800.00} credit, took it back, I made another claim again and and the bank gave {$800.00} credit, and took it back again. The bank said that after their investigation, there was no error occurred that day. I request the documents on which their decision based. They failed to provide those documents until now. 
The Post Office sent me a proof that they issued a refund of {$700.00}. I called them to rectify the amount. It has to be {$800.00}. They said it was corrected that I should be receiving my money 3-5 business day BUT NOTHING. The Post Office said to go to the bank and file a Regulation E Dispute to get my money back. 
Previously, I told the bank that the debit card I used to make the transaction is closed, if it will cause problem about the refund and they said no, and added that the money will go thru the account and the routing number to not worry. 
When I when to the bank with the proof that the Post Office issued a refund which I am not seeing, and I want to file the Regulation E Dispute, the bank refuse to do that twice in their office even online once. My fight is to get my money back. I dont know why the bank is refusing to do so. And the bank said it might be because the card was closed. I said to them : you told me that there is no problem about it. The bank should file the regulation E dispute to give me my money. 
I need your help to have my money back. If the bank keep refusing and the Post Office refused to use my account and routing number, who is losing? I need your help please. 
Thanks Attch ; -statement to the post office -receipt of the transaction - bank statement -copies of all exchanged e mails

Company response to consumer: Closed with explanation