Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX. I have been a TD Bank customer sinceXX/XX/XXXX when I first opened my account as a XX/XX/XXXXstudent inXX/XX/XXXX For more than 16 years, I have trusted and relied on TD Bank for my daily banking and financial responsibilities. 

I am writing to formally file a complaint regarding the unexplained closure of my checking account, the misinformation I received from TD Bank employees, conflicting written communication in the closure letter, and the failure of TD Bank staff to provide answers even after repeated attempts. 

This situation has caused significant stress and potential financial harm. 

Timeline and Issues 1. Closure Letter With Contradictory Information I received a letter in early XXXX stating : My checking account would be closed My credit card would be closed immediately However, despite the letter stating that my credit card was closed immediately, I was still able to use my TD Bank credit card until XX/XX/XXXX. 
This proves the letter contained incorrect and misleading information, which caused even more confusion. 

XXXX. XX/XX/XXXX Phone Call to TD Bank When I called TD Bank on XX/XX/XXXX to clarify the letter : Representatives told me everything looked good They said do not worry They insisted there was no issue I was still advised to visit a branch just to be certain This was the first instance of misinformation. 

XXXX. XX/XX/XXXX Branch Visit XX/XX/XXXX XXXX, XX/XX/XXXX) I went to the branch and spoke with : XXXX XXXX Retail Banker NMLSXX/XX/XXXXXXXX I showed her the closure letter. After reviewing my account, she told me : Everything appeared normal I should not worry My account was active The closure letter was not a concern Because of her reassurance, I continued to use my accounts, believing the matter was cleared. 

XXXX. XX/XX/XXXX Checking Account Disappears On XX/XX/XXXX, during my routine daily account check, my checking account disappeared from online banking. 

I could still see my savings and credit card accounts, but the checking account was completely gone. 
I called TD Bank and the representative was unsure about what happened, advising me to return to the branch again. 

XXXX. XX/XX/XXXX Second Branch Visit At the same branch, I spoke with : XXXX XXXX Store Supervisor, XXXXXX/XX/XXXX XXXX She asked for my ID and card, reviewed my account, and called internally to investigate. She told me : TD Bank decided to close my account No reason was provided She would check and let me know the reason However, she never provided any explanation, despite telling me she would. 
This added to my frustration, as I was promised clarity but received none. 

Impact on My Financial Stability Because TD Bank staff and the closure letter provided inaccurate or conflicting information, I did not switch my automatic payments in time. As a result : My mortgage payment will be delayed Bills linked to the checking account will be returned or rejected My credit report will be negatively affected My credit card account, which I relied on, was also terminated I will incur late fees, penalties, and credit score damage This harm was completely avoidable if TD Bank had communicated correct information from the beginning. 

Outstanding Credit Card Balance I would also like to address another concern related to my TD Bank credit card. The letter I received stated that my credit card account would be closed immediately, yet I was still able to use the card until XX/XX/XXXX. As of now, I still have an outstanding balance on that credit card. Since my online access has been restricted and I am unable to log in to view my statements or account details, I do not know the exact amount owed or how I am expected to make payments. This has left me confused and concerned about potential late fees, interest charges, or negative impacts on my credit report. I am requesting clarification and a secure method to review and pay any remaining balance owed to TD Bank. 
Conclusion I have been a loyal TD Bank customer for 16 years. The lack of explanation, combined with contradictory information and unfulfilled promises of clarity, has left me extremely disappointed and stressed. 

I request a thorough investigation into this matter and a formal written response. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation