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Email this5:45 pm
January 29, 2026
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"RBC employee charged for allegedly accessing Carney's banking information"
5:27 am
April 27, 2017
Online
Description for the credit note looks different this morning. It's a lengthy entry “br to br transaction, some account number, srf, int payment collected from 3” also provides a name of Dr Singh.
I am interpreting this to mean that RBC charged someone else’s interest to my savings account in error and that they used a branch to branch transaction to reimburse me. Could be wrong but that would make sense.
I still don’t have an explanation which was promised on Monday. I need a formal explanation from RBC in writing for this account in case CRA raises questions about the transaction. Would also like to understand how an external debit could be applied to the account which does not allow such debits. And why it was me rather than the bank that spotted the error.
12:45 am
November 18, 2017
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And did the bank also add the lost interest during the investigation?
RetirEd
6:58 am
April 27, 2017
Online
RetirEd said
And did the bank also add the lost interest during the investigation?
No, and I don’t care about a couple of bucks. I do care about having had to call them 3 times and having to spend 20 min on the call each time. But they are not going to compensate me for that. And I still don’t have the information they promised during the first call within “3 to 5 business days”. The last call was yesterday and the agent told me that my branch will send an email with explanation and details for the CRA.
7:18 am
November 8, 2018
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"Same account number, different branch number"- I've read about that type of issues. Can't find link to story, but it were similar one: funds transferred erroneously to the account number which is the same in two different bank branches.
RBC must have figured correct branch number and, probably to reduce amount of their internal paperwork, just performed funds transfer between accounts to rectify the situation.
9:55 am
January 7, 2020
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Do they actually use the same account number at different branches?
10:54 am
April 6, 2013
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Yes, banks do use the same account number at different branches. That's why the correct transit number is needed.
See Recourse for a Direct Deposit to wrong bank account and CBC: $10,000 wire transfer disappears after bank puts it in wrong account.
3:19 pm
February 7, 2019
Online
mustang said
Do they actually use the same account number at different branches?
Yes they do. And I think it goes back to the days of in-branch banking only. And with branch amalgamation/consolidations we very likely have duplicate account numbers "housed/hosted" in the same brick & Mortar branch. So, consider the complete transit number as the actual account number.
| CGO |
5:28 pm
December 12, 2009
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mordko said
As of this morning RBC credited back the same amount as what they originally withdrew. The entry says “Credit memo”. No explanation so far.
Most likely it was a teller (CSR) error doing an internal transfer between two client accounts. They got the debit account number wrong and they didn't catch it until your report triggered the investigation, as I suspected to be the case. 
5:30 pm
December 12, 2009
Offline
mordko said
Description for the credit note looks different this morning. It's a lengthy entry “br to br transaction, some account number, srf, int payment collected from 3” also provides a name of Dr Singh.I am interpreting this to mean that RBC charged someone else’s interest to my savings account in error and that they used a branch to branch transaction to reimburse me. Could be wrong but that would make sense.
I still don’t have an explanation which was promised on Monday. I need a formal explanation from RBC in writing for this account in case CRA raises questions about the transaction. Would also like to understand how an external debit could be applied to the account which does not allow such debits. And why it was me rather than the bank that spotted the error.
You'll probably never know. CRA won't have any questions on this, so don't worry about that. No account is impervious to CSR-performed debits.
6:20 pm
April 27, 2017
Online
doug said
You'll probably never know. CRA won't have any questions on this, so don't worry about that. No account is impervious to CSR-performed debits.
It's a business savings account. CRA may audit the ledger and then they will have questions about the interest for debt I don’t have and about reimbursement which looks like unreported income. And while the explanation is straightforward it is the bank’s responsibility in this case. And I also need to understand the risk of this happening again. And why the bank did not spot the error. Had we not spotted (eventually), this would have ended up as a theft from client’s account by the bank which is not a great look. Their systems are not working, what are they doing about it?
RBC owes an explanation which they promised 3 times but have not provided. That in itself is also problematic. But they will. Banks are legally required to have a complaints process and I plan to initiate the first step tomorrow. Steps start with the bank. Then they escalate if the bank continues this type of behaviour.
