Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ERROR OCCURRED ON XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR PURCHASING ONLY ONE {$510.00} CASHIER CHECK, MY DEBIT CARD WAS BEEN DEBITED TWICE IT COULD BE HAPPENS EITHER BECAUSE : 1. EMBLAZZEMENT BY THE TELLER TO STEAL MY {$510.00} CASH DEPOSIT AT XXXXXXXX XXXX BY ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, FOR TELLERS REASON : THE FIRST TIME I PUT MY P.I.N. IN THAT TELLER MACHINE WAS NOT WORKING, WHEREAS IT WAS WORKING BASED ON THE FACT # 2, THAT IT ACCEPTED/PROCESSED MY {$510.00} CASH DEPOSIT AT XXXX XXXX PRIOR TO THE WITHDREW {$510.00} TO PURCHASE THAT {$510.00} CASHIER CHECK AT XXXXXXXX XXXX 
( PS : THE TIME OF THIS WITHDREW AT XXXXXXXX XXXX. IS PRINTED ON THE TOP LEFT CORNER OF MY WITHDREW RECEIPT ). 
THE TELLER/HE LIED TO ME THAT THE FIRST TIME I PUT MY PIN ( AT XXXX XXXX. ) WAS NOT WORKING, ACCORDINGLY TO HIM, AS HIS REASON TO ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE 2ND TIME FOR THE SAME TRANSACTION : WHICH WAS PURCHASING ONLY ONE {$510.00} CASHIER CHECK. 
HOW I CAN ASSUME THAT HE LIED THAT THE FIRST TIME I PUT MY PIN IT WAS NOT WORKING : PLEASE LOOK AT THE FACT # 1 : IN TD BANK DATABASE : IT SAYS THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}, WHICH I DIDNT KNOW ABOUT IT UNTIL I WAS BEEN TOLD BY TD BANK IN XXXX. 
THIS FACT # 1 : SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY P.I.N. AT XXXX XXXX XXXX XXXX WAS WORKING. 
WHY DID THE TELLER HAD TO LIE TO ME THAT IT WAS NOT WORKING TO MAKE ME PUT MY PIN AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, PURCHASING ONE ONLY ONE XXXX XXXX CASHIER CHECK? IT WAS A SUDDEN PLAN TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN TO PURCHASE THAT {$510.00} CASHIER CHECK. 
MY THEORY : A SUDDENLY PLAN OF THE TELLER TO EMBLAZZE ( STEAL ) MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH. PERHAPS HE/TELLER HAS KNOWLEDGE HOW TO STEAL CUSTOMER MONEY AND HE KNOWS IF HE COULD CONVINCE THIS CUSTOMER TO PUT HER PIN AGAIN FOR THE SECOND TIME AFTER THE FIRST ONE, AND FOR THE SAME TRANSACTION OF PURCHASING {$510.00} CASH DEPOSIT SHE BROUGHT IN, PERHAPS WONT BE CATCH BY ME. HE TOOK THE {$510.00} CASH I HANDED IN AT XXXXXXXX XXXX. PLEASE BE REFERRED TO MY PROOF OF CASH DEPOSIT TICKET, IT IS PRINTED ON THERE THAT I DEPOSITED THE CASH AT XXXX XXXX 
PERHAPS HE HAD DONE IT BEFORE WITHOUT BEING CATCHED, IF THE CUSTOMER AS A VICTIM OF SCAMMER WAS NOT PAY ATTENTION. 

THE SEQUAENCE, WHICH CAME AT FIRST : TD BANK DATA AT XXXXXXXX XXXX AS FACT # 1 WHICH I DID NOT KNOW OR HAVE KNOWLEDGE UNTIL I WAS TOLD BY TD BANK THAT THERE WAS A DEBIT AT XXXXXXXX XXXX. IN TD BANK DATABASE. 
THIS TD BANK DATA ; IS A FACT # 1 : THAT SPEAKS TO ITSELF THAT AT XXXX XXXX THE FIRST P.I.N. I PUT IN THAT COUNTER TELLER MACHINE WAS WORKING. 
WHY DID THE TELLER LIE TO ME THAT IT WAS NOT WORKING TO PURSUE ME TO PUT MY P.I.N. AGAIN? IT WAS AN EBLAZZED TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN MONEY. 
HOWEVER : THE TELLER DID NOT GIVE ME A WITHDREW SLIP TO BE SIGNED BY ME NEITHER ISSUED ME RECEIPT FOR WHAT THE TD BANK DATABASE SAYS : THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}. THIS CAN BE MAKE AS A FACT # 1. ( A ). 
( PS : WHAT HAPPENED AT XXXXXXXX XXXX. WAS NOT KNOWN BY ME UNTIL I WAS BEEN TOLD ON XXXX ). 

TD BANK DATA AT XXXX XXXX. AS FACT # 2 : AS SOONER AFTER I PUT MY PIN FOR THE FIRST TIME : I TOLD THE TELLER : HEY, YOU ARE SUPPOSEDLY TO DEPOSIT MY {$510.00} CASH DEPOSIT AT FIRST, BEFORE YOU ISSUE ME A CASHIER CHECK. ( WHICH I WANTED TO USE TO PURCHASE THAT {$510.00} CASHIER CHECK BY BROUGHT MY CASH {$510.00} TO THE TELLER ). 
IN MY CASH TICKET DEPOSIT IS PRINTED THE TIME OF DEPOSITING THAT {$510.00} CASH. IT IS AT XXXXXXXX XXXX 
THIS IS A FACT # 2 : TD BANK DATA AT XXXX XXXX. SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY PIN WAS WORKING. 
WHY DID THE TELLER LIE AND TOLD ME TO PUT MY PIN AGAIN FOR HIS REASON THE FIRST TIME WAS NOT WORKING, WHEREAS ACCORDINGLY TO THE TD BANK DATA, IT WAS WORKING? 
PERHAPS, THERE WAS A SUDDENLY EMBLAZZE PLAN TO STEAL MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH TO THE TELLER. 

2. HONEST MISTAKE BY THE TELLER AT XXXXXXXX XXXX ORDERED ME TO PUT MY DEBIT CARD P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION OF PURCHASING ONLY ONE {$510.00} CASHIER CHECK. 
AS SOONER AFTER I PUT MY P.I.N. FOR THE FIRST TIME AT XXXX XXXX. ( PS : ACCORDING TO TD BANK DATA I WAS BEEN TOLD, OUT OF MY KNOWLEDGE UNTIL XXXX ). 
I INTERUPTED THE TELLER BY TOLD HIM THAT I WAS SUPPOSDLY TO DEPOSIT MY {$510.00} CASH AT FIRST BEFORE PURCHASING THAT {$510.00} CASHIER CHECK, SINCE THE TD BANK REAQUIRES THAT THE FUND TO PURCHASE THE CASHIER CHECK HAS TO BE FROM TD BANK ACCOUNT. 
ALTHOUGH I HAVE ENOUGH MONEY ON MY TD BANK ACCOUNT TO PURCHASE THAT CASHIER CHECK, I BROUGHT IN CASH BECAUSE I ALSO WANTED TO BUY XXXX XXXX CASHIER CHECK AND I WAS AFRAID IT WOULD CAUSE MY ENDING BALANCE LESSER THEN THE REQUIRES {$250.00} MINIMUM BALANCE ON MY ACCOUNT OR OTHERWISE WILL GET MONTHLY CHARGE. 
THEN HE/THE TELLER PROCEEDED MY CASH DEPOSIT INCLUDED GAVE ME A DEPOSIT SLIP FOR THAT {$510.00} DEPOSIT AND ISSUED ME ITS RECEIPT BESIDES I HAVE CASH DEPOSIT TICKET WHICH PRINTED THE TIME ON IT : AT XXXX ; XXXX XXXX. 
THIS IS THE SECOND FACT # 2 : THAT TD BANK DATA AT XXXXXXXX XXXX. THE P.I.N. I PUT FOR THE FIRST TIME WAS WORKING. 
WHY DID THE TELLER LIED TO ME THAT IT WAS NOT WORKING TO CONVINCE ME TO PUT MY P.I.N. AGAIN? WHEREAS EVERYBODY KNOWS THAT IF THE DEBIT CARD/CREDIT CARD IS BEING SWIPED MULTIPLE TIMES, IT WILL CAUSE CHARGED MULTIPLE TIMES FOR A SINGLE ONE TRANSACTION. 
IS THIS an HONEST MISTAKE OR EMBLAZZEMENT BY THE TELLER TO CAUSE MY {$510.00} CASH DEPOSIT I BROUGHT IN DISAPPEAR? 

HOWEVER, MAY BE IT WAS AN HONES MISTAKE : A HUMAN ERROR. 
PERHAPS HE FORGOT OR HE DIDNT KNOW THAT HE HAD TO CANCEL THE FIRST ONE I PUT MY P.I.N. AT XXXXXXXX XXXX. BEFORE PROCESSING MY CASH DEPOSIT I BROUGHT IN MONEY AT XXXX XXXX. IT IS PRINTED ON MY CASH DEPOSIT TICKET RECEIPT, THE TIME IS : XXXX XXXX 
FOR THIS CASH DEPOSIT {$510.00} TRANSACTION : HE GAVE ME A DEPOSIT SLIP AND ALSO ISSUE A CASH DEPOSIT TICKET. 
FROM HUMAN ERROR ( TELLER ERROR ) MENTIONED ABOVE, HAD CAUSED ( DISTURBED ) THE TD BANK SYSTEMS WAS BEING DISTURBED, AND IT CAUSED TD BANK SYSTEMS MADE AN ERROR, BY REQUIRED ME ( THE CUSTOMER ) TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME, BECAUSE IT DIDNT KNOW THAT IT IS THE SAME TRANSACTION THAT THE TELLER FORGOT TO CANCEL IT.

Company response to consumer: Closed with explanation