TD Bank Bank Account Or Service Complaint

TD Bank Bank account or service department,

Checking account Deposits and withdrawals New Jersey

Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ - - - . This was a mistake ( human error ). Once the person found out that this was a mistake, he informed his bank - - - - in CA. The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are - separate processing - for mobile deposit and other is for in person bank deposit. When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.