Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Summary of Complaint I am filing this complaint against TD Bank for continuously charging unauthorized XXXX XXXX  monthly maintenance fees since XX/XX/XXXX without providing required notifications, and for charging these fees on what the bank now claims was a deactivated account. 

XXXX XXXX Detailed Description of Issues XXXX XXXX XXXX  Timeline and Background - XX/XX/XXXX to Present : TD Bank has been charging my checking account a XXXX XXXX monthly maintenance fee - Total Period : Approximately 45 months of unauthorized charges - Estimated Total Fees : Over {$1100.00} in maintenance fees- Discovery Date : XX/XX/XXXX ] when I attempted to make a deposit XXXX XXXX XXXX Issue XXXX 1 : Lack of Required Notifications For the past four years, I have received no notifications by email or mail from TD Bank regarding : - Account falling below minimum balance requirements- Monthly maintenance fees being charged - Account status changes - Options to avoid fees I provided current email and mailing address information to the bank, yet received no communications whatsoever about these ongoing charges. 

XXXX XXXX XXXX Issue # 2 : Fees Charged on Allegedly Deactivated Account When I contacted customer service on XX/XX/XXXX after being unable to deposit cash at an ATM, I was informed that : - My account " has just been activated '' implying it was previously deactivated - The account " has been deactivated '' which prevented deposits- They could only refund 2 months of fees because that's all they could see in their system XXXX XXXX Critical Questions XXXX XXXX XXXX  - If my account was deactivated, how can the bank justify charging maintenance fees for " maintaining '' a non-functional account? 
- How was I supposed to deposit funds to meet minimum balance requirements if the account was deactivated and I received no notifications? 
- Why can customer service only see 2 months of fee history when these charges have been ongoing for 45+ months? 

XXXX XXXX Regulatory Concerns This situation appears to violate several consumer protection standards : 1XXXX XXXX XXXX  Truth in Savings Act requirements XXXX XXXX for clear disclosure of fees and account terms 2. XXXX XXXX Fair Credit Reporting Act XXXX XXXX if these fees affected my credit without proper notification 3. XXXX XXXX Electronic Fund Transfer Act XXXX XXXX  regarding proper notification of account changes 4. XXXX XXXX General fair banking practices XXXX XXXX regarding reasonable notification requirements XXXX XXXX Financial Impact - Estimated total unauthorized fees XXXX XXXX XXXXXXXX ( 45 months {$25.00} ) - Current refund offered : Only {$50.00} ( 2 months ) - Ongoing financial impact : Prevented from accessing my own banking services This situation has caused significant financial harm and prevented me from accessing basic banking services. The lack of notification combined with fees on an allegedly deactivated account suggests systemic issues with TD Bank 's account management and customer communication practices that likely affect other consumers. 

I trust the CFPB will investigate this matter thoroughly and ensure that TD Bank follows proper banking regulations and consumer protection standards.

Company response to consumer: Closed with monetary relief