Almost two weeks ago, I posted of The $343.17 Mishap. I will try to do a very condensed recap and then post the follow up.
I made the error of paying my Visa bill to the wrong account: an account that was effectively dead, and yet, somehow, wasn’t. With no actual credit card, we had no way to access the surplus. It required two long telephone calls and one long todo at the bank, to have TD send us an actual credit card which we would use until we had effectively recovered all of the money.
That was than, and it all seemed settled when we received a mailing form TD that obviously contained a card.
When we opened it, there was a problem. It was a debit card, not a credit card.
What?! We don’t have a bank account with them. What is there to debit? Then, I thought that it might be a pre-loaded card with our funds. That was not the case. It was a card to nothing since we have no accounts.
Furthermore, the accompanying letter said to use our existing PIN.
For one thing, we had no account to PIN to, and for another, whatever PIN that we had more than two decades past was totally erased from our memories.
Back to the bank went Susie and Johnny, hoping to find the same teller who had worked through our silly situation once already..
Nope: not working that day. Let me tell you that it was extremely confusing for two confused seniors to explain a confusing situation to an also confused new teller.
After a lot of going over and over it, she finally understood and suggested that the easiest solution was for us to close the account and be issued a cheque.
To accomplish this, she had to call the institution which passed her around from pillar to post and all of the way back again with many a “Not my department,” response.
Eventually, and I do mean eventually, we were told that it would all be done. Our account was now closed, and a cheque would come to us in three weeks.
UPDATE
I wrote that two days ago.
Would you believe the credit card came in the mail yesterday.
If we had waited, we could have begun spending the balance. It was that debit card that threw us. Why would they send us a debit card when we had no bank account and no password? It remains a puzzle.
So . . . there’s nothing to do but wait for the cheque. If it doesn’t come in due course, we have the physical credit card just in case it is still active and the funds are still in there.
The situation remains bizarre.





























