Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
got a promotional mailer in the mail from TD Bank to sign up with TD beyond checking account for {$400.00} and I also signed up for a TD signature savings account which would be an additional {$200.00} cash promotion totaling {$600.00}. 

I complied with all terms of this offer see attachment when I checked XX/XX/XXXX, to see that my direct deposit was deposited noticed that it was not. Called customer support. They said that my account was closed! I did not know the time why or when it was closed. 
Subsequent phone calls to CUSTOMER SERVICE got conflicting information that I was told that it was closed the next day after I opened it on XX/XX/XXXX that it was closed XX/XX/XXXX due to fraud identity theft yet nobody called me or notified me of this. I also got conflicting call from a XXXX on XX/XX/XXXX that it was closed due to it not been funded for 60 days yet. It was not anywhere near 60 days yet and when I pointed that simple math out to her, she says I dont know why it got closed. Someone will have to get back to me on that XX/XX/XXXX call to a supervisor named XXXX tell the whole story to her she could not explain why my account was shut down due to security fraud and could not answer why I was not notified and could not answer if I was gon na be guaranteed my {$600.00} reward since I complied with everything on the offer and that the bank aired and shutting my account down for no good reason or explaining any reason and not notifying me she said that somebody from upper management would call me back in XXXX to XXXX hours that was 12 days ago still nobody from upper management has called back. 
I also requested that somebody from the fraud department contact me being concerned a potential identity theft that my other bank deposits at other institutions might also be at risk. I did get a callback from a XXXX on XX/XX/XXXX left voicemail, but I have tried to call him back over a dozen times left at least a half a dozen voicemails and he never picks up nor does he call back I called back CUSTOMER SERVICE and complained about this about the fraud department never calling me back, especially XXXX XXXX fraud agent ) his phone number is XXXX. 

added to the disturbing non-transparency not accountability whack a communication is that when my direct deposit came through XX/XX/XXXX from my pension company it got rejected and kicked back. Get no call or contact from TD Bank to notify me this happened. my opinion all this is totally inexcusable. it makes me feel like this is just a an attempt for them to get all my banking information. Get me to sign up for new accounts with TD Bank only to bait and switch getting out of paying me the {$600.00} bonus because my direct deposit didnt go through. Thanks to them, shutting down my account and then not notify me and now unable to fund that checking account per the agreement promotion with the 60 days of opening the account. My opinion, this is fraudulent and needs to be stopped and corrected. 

I made numerous calls to Customer Service and keep getting the runaround with conflicting information and everybody passing the buck that somebody else will call me back rectify this yet nobody calls back my last phone call. My last straw was XX/XX/XXXX when I talk to a XXXX supervisor went through the whole story and let him know that if nobody from upper management calls me back or corrects this by XXXX XXXX Friday, XX/XX/XXXX, but I was gon na file this report. Nobody contacted me back on Friday so here is my initial filing for this complaint of TD Bank

Company response to consumer: Closed with explanation