It seems like you are experiencing an echoing issue on your TCL 20XE android phone when talking to someone. The echoing stops when you switch to speaker mode. This issue could be related to the phone's microphone and speaker interaction during regular calls. Here are a few steps you can try to troubleshoot and potentially resolve the echoing problem:

1. Check Phone Case: If you are using a phone case, try removing it as it might be interfering with the microphone or speaker.

2. Restart Your Phone: Sometimes, a simple restart can fix temporary glitches in the phone's audio system.

3. Update Software: Make sure your phone's software is up to date as manufacturers often release updates to fix known issues.

4. Check Microphone and Speaker Openings: Ensure that the microphone and speaker openings are not blocked by dust, debris, or obstructions.

5. Test in Safe Mode: Boot your phone in safe mode and make a test call to see if the echoing issue persists. This will help determine if a third-party app is causing the problem.

6. Reset App Preferences: Resetting app preferences can sometimes resolve audio issues caused by misconfigured settings.

7. Contact Customer Support: If the issue continues after trying these steps, consider reaching out to TCL customer support for further assistance or to inquire about any known issues with the device.

By following these steps, you may be able to identify and potentially fix the echoing issue on your TCL 20XE android phone during regular calls.