Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a renewed complaint against TD Bank regarding its discriminatory, inconsistent, and arbitrary treatment of customer cash deposits. This issue is not new. I previously filed CFPB Complaint # XXXX in XXXX, concerning the TD Bank XXXX XXXX XXXX, NJ. TD Bank formally responded on XX/XX/XXXX, in a letter from XXXX XXXX, Vice President, Retail Market XXXX, XXXX XXXX XXXX XXXX. 

In that letter, TD Bank admitted : XXXX. That my complaint was received and reviewed. 
XXXX. That feedback was shared with the XXXX branch to ensure coaching and consistent customer experience.

3. That TD Bank may require identifying information from any individual conducting cash transactions implying such policy must be clear and applied uniformly, not selectively.

4. That TD Bank is committed to offering products and services in a fair and equitable manner and that inclusivity is a cornerstone of their beliefs.

Despite those assurances, the same misconduct continues, now at another branch. On XX/XX/XXXX, at the XXXX TD Bank XXXX, I attempted to deposit {$6000.00} in cash. The teller insisted on unnecessary identification and seemed confused about the banks own policy. When I questioned this, the assistant XXXX, XXXX XXXX XXXX, became rude, dismissive, and unprofessional. When I said I would escalate the issue to another location, she told me go ahead, I dont care, hes not my boss. 

This proves that TD Bank has not corrected the problem at all. Instead of a one-off issue at XXXX, it is now evident that multiple branches are inconsistently applying so-called internal policies. These thresholds for requesting ID have shifted arbitrarily first {$6500.00}, then {$5000.00}, then {$4000.00}, and now even under {$2000.00}. This is not consistent with federal law, which only requires banks to file Currency Transaction Reports for deposits over {$10000.00} or Suspicious Activity Reports where legitimate red flags exist.

This selective and inconsistent treatment raises serious concerns of discrimination, harassment, and profiling. I am a XXXX individual with a bad back, and a retired XXXX  XXXX. Forcing me to repeatedly wait XXXX minutes in a drive-thru, treating me as though I am engaged in criminal conduct, and refusing to provide a clear, written explanation of policy is unacceptable and unlawful. 

Federal and state law provide protection in this context : The Americans with XXXX XXXX ( XXXX ) requires equal and accessible service without unnecessary barriers. 
The Equal Credit Opportunity Act ( XXXX ) prohibits discrimination in banking services. 
The XXXX XXXX XXXX ( FHA ) prohibits discrimination in financial services related to housing. 
The New Jersey XXXX XXXX Discrimination ( NJLAD ) prohibits discriminatory practices in places of public accommodation, including banks. 

TD Banks failure to correct this conduct, even after a prior CFPB complaint and a written commitment in XXXX, shows a troubling pattern of disregard for both customers and regulatory obligations. 

I am demanding that TD Bank : XXXX. Provide its actual written, bank-wide policy on cash deposit identification requirements. 
XXXX. Ensure that the policy is applied consistently and uniformly at all branches. 
XXXX. Retrain or discipline staff who apply selective or arbitrary rules. 
XXXX. Address the unprofessional behavior of XXXX assistant XXXX XXXX XXXX. 

If this matter is not resolved, I will escalate this again to the CFPB, the Office of the Comptroller of the Currency ( XXXX ), the XXXXXXXX XXXX XXXX XXXX for XXXX violations, and the New Jersey Division on Civil Rights. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation