Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I had a checking account with TD Bank that I closed on XX/XX/XXXX around XXXX AM. I was in the XXXXXXXX XXXX XXXX  TD Bank on XX/XX/XXXX and a front counter worker with XXXX on her name tag closed my checking account by having me sign a Checking Closeout Debit slip. I asked for a copy of that slip and she made me a copy. The slip has what looks like XXXX XXXX on the bottom of it and across from that is XXXX. She then gave me a withdrawal slip for {$2.00} that has XXXX AM XX/XX/XXXX on it and XXXX XXXX. XXXX is at the end of that line on that slip. The next day when I logged into my online TD Bank account, all my information had been removed which includes all of my past bank statements that were in my online TD Bank account from the past. I then filed a complaint on the Federal Reserve System website requesting to TD Bank that they put all of those pasts bank statements bank in my online bank account for me to look over if they legally had to keep those in my online bank account for a certain length of time before they could end my online bank account. The Federal Reserve System then sent me an email telling me I would have to file this complaint with the XXXX XXXX XXXX XXXX. You see that email below. Since closing my bank account on XX/XX/XXXX each time I log into my online TD Bank account it has, XXXX XXXX on the opening page and under that is, You can go back and try again because this was probably just a temporary glitch. It has this page each time you try to go to another section in your online bank account. I closed my checking account at XXXX AM on XX/XX/XXXX. XXXX was the email address that I had on file in my online TD Bank checking account in my Profile. I also have an XXXX email address that in the past had been in my Profile in my online bank account. On XX/XX/XXXX I had an email from TD Bank at XXXX AM that came to my XXXX email that said you could get a {$200.00} bonus by starting a TD Bank Simple Savings Account. The email came from XXXX. I then had another TD bank email come to my XXXX email on XX/XX/XXXX at XXXX AM from XXXX that had, Meet the easy way to exchange foreign currencies. On XX/XX/XXXX at XXXX AM I had an email come to XXXX email from TD Bank that had at the top of it, TD Bank - Your Online Bank Statement Is Available. That email came from XXXX. You see copies and paste below of the emails that TD Bank sent to my XXXX and XXXX email on XX/XX/XXXX and XX/XX/XXXX. 

from : XXXX to : XXXX date : XX/XX/XXXX, XXXX subject : TD Bank - Your Online Banking Statement Is Available mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more TD Bank - Your Online Banking Statement Is Available Inbox XXXX XX/XX/XXXX, XXXX ( XXXX XXXX XXXX ) to me We are sending the following account notification at your request. 

The statement for the following account is now available online : Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XX/XX/XXXX You can change or stop receiving this notification at any time by updating your preferences in the app or on desktop. 

If you have any questions, we're here to help at XXXX. 

* * * * * PLEASE DON'T REPLY TO THIS E-MAIL. THIS E-MAIL ACCOUNT ISN'T MONITORED AND YOU WON'T GET A RESPONSE * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * TD Bank XXXX XXXXXXXX, dont miss out on this bonus offer! 
XXXX XXXX XXXX TD Bank XXXX XXXX XXXX XXXXXXXX Unsubscribe To : XXXX Tue, XX/XX/XXXX at XXXX AM View web version TD Bank Get offer : Earn a cash bonus of {$200.00} How to qualify for your bonus : Open a TD Simple Savings account.

Deposit at least {$10000.00} within the first 20 days after account opening. 

Maintain the required balance of at least {$10000.00} for XXXX additional days from the XXXX day after account XXXX Claim this offer today! 
Offer expires XX/XX/XXXX Get offer * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * TD Bank XXXX  Add cash to your packing list XXXX XXXX XXXX TD Bank XXXX XXXX XXXX XXXXXXXX Unsubscribe To : XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX AM View web version TD Bank | America 's Most Convenient Bank Meet the easy way to exchange foreign currencies. Pick up in-store. Enjoy abroad. 
TD Bank image carousel Order online XXXX XXXX, If youre traveling abroad this summer, its easy to exchange money for your trip. 

Just place an order online and pick it up within XXXX business days at your nearest TD store. Its that simple. 

Special offer {$0.00} Transaction Fee Use promo code XXXX when ordering online and well waive the fee. 

Claim offer Offer ends XX/XX/XXXX XXXX online. 
Pick up instore. 

Device App Icon Any time Check our competitive rates and order online XXXX. 

TD Branch Icon Anywhere Grab your order at the TD Bank of your choice. 

Currency icon Anyplace TD offers over XXXX foreign currencies for exchange. 

Learn more Need help or want to say hi? Find us > Connect with TD Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  products and services are provided by TD Bank, N.A.s affiliate, The XXXX XXXX. 

Most currencies are ready for pick up in XXXX business days, however some currencies XXXX take longer. Orders placed after XXXX PM Eastern time on Friday will be processed the next business day ; Orders placed on weekends and holidays will be processed the next business day. Minimum Order Amount is {$250.00} USD per online transaction ; each currency must be at least {$25.00} USD. Maximum Order Amount is {$1500.00} USD per online transaction. Other limits may apply. Visit XXXX  to learn more. 

Valid exclusively for TD Bank online foreign currency orders at foreigncurrency.td.com. Offer is not valid at a TD Bank location. Only one Promo Code may be redeemed per transaction. Promo Code is not redeemable for cash or credit. Promo Code can not be applied to previously placed orders, even during the Promotional Period. Promo Code must be entered in " promo code '' field within your shopping cart and discount will be applied to order upon check out. Promo Code is case sensitive and must be input as shown. Offer ends XX/XX/XXXX. TD Bank reserves the right to end this promotion at any time. 

To ensure future delivery of promotional messages from TD Bank to your inbox, please add XXXX to your address book. 

This email is an advertisement or solicitation. If you no longer wish to receive TD Bank promotional emails, please unsubscribe. 

Email Security : Protecting your privacy is TD Banks priority. We will never ask you to confirm your account number, PIN, password or any other personal information via email. 

If you are concerned that you have received fraudulent email, proprietary information or would like to report a suspicious email, please forward the email to XXXX or contact the TD Bank Phishing and Identity Theft Hotline at XXXX immediately. For more information, please visit tdbank.com/security. 

For written correspondence, please contact us at : TD Bank, Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TD Bank, N.A., Member FDIC XXXX TD Bank, N.A. and/or its affiliates. 
All Rights Reserved. 
The TD logo and other TD trademarks are owned by The XXXXXXXX XXXX or its affiliates and are used under license. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to : '' XXXX '' XXXX date : XX/XX/XXXX, XXXX subject : Federal Reserve Consumer Help Center Acknowledgement mailed-by : XXXX XXXX : XXXX XXXX XXXX Standard encryption ( TLS ) Learn more : Important according to XXXX XXXX. 


Federal Reserve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : Federal Reserve XXXX XXXX XXXX XXXX Federal Reserve XXXX XXXX XXXX XXXX XX/XX/XXXX Dear XXXX XXXX : This XXXX is to acknowledge our receipt of your correspondence on XX/XX/XXXX. 

Please be advised that the entity you are inquiring about is subject to oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. 

Please contact the CFPB directly to submit your complaint online at : www.consumerfinance.gov/complaint. You can also reach the CFPB at : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Website : www.consumerfinance.gov Phone : XXXX ( XXXX a.m. to XXXX p.m., ET, Monday-Friday ) TTY/TTD : XXXX We hope that this information is helpful to you.

Sincerely, Federal Reserve Consumer Help Center Please do not respond to this message. If you need to contact us, please use the information listed below.

Company response to consumer: Closed with non-monetary relief