Consumer complaint received 2026-01-26 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: NJ

Complaint narrative:
Improper & Potentially Retaliatory Account Closures TD Bank Including Minors, Dormant LLCs, Unrelated Adult Accounts Complaint Description : I am submitting this complaint regarding TD Banks recent notices of account closure affecting multiple accounts associated with me, including minor custodial accounts, dormant landlordtenant LLC accounts, a joint checking account, and accounts belonging to an unrelated adult ( my exspouse ). TD Bank has also failed to provide notice regarding other associated accounts, including HELOCs, mortgages, and certain personal and business accounts. 

TD Bank has issued selective and incomplete closure notices, without providing a complete, accountlevel disclosure or individualized justification for each account. The inclusion of minors, unrelated adults, and dormant LLCs appears overbroad, arbitrary, and procedurally defective. 

In addition, I believe these actions may be retaliatory in nature. I have previously submitted complaints and escalations regarding TD Banks services. Shortly thereafter, TD Bank initiated a broad demarketing action that sweeps in multiple unrelated accounts and individuals, despite a spotless account history and no allegations of misuse, fraud, or delinquency. The timing and scope of these closures raise serious concerns that TD Bank is penalizing or punishing a customer for exercising lawful consumer complaint rights, rather than addressing any legitimate account-specific risk. 

TD Bank has issued closure letters for only some of my accounts, but according to my branch manager, most of my accounts are affected. I have not received written notice for all accounts, including HELOCs, mortgages, and certain personal and LLC accounts. This incomplete and inconsistent communication creates confusion, uncertainty, and procedural defects. I request that TD Bank provide a complete, account-level disclosure so I can understand exactly which accounts are affected and why. 

I am a decorated, XXXX XXXX  XXXX. My pension and Social Security deposits are received directly into these bank accounts. I have been banking with TD Bank since I was XXXX XXXX XXXX, and this is my only banking relationship. Giving closure notices under these circumstances is truly unjust. According to my branch manager, I was told that no accounts should be closed for me, yet this broad action appears to include all related accounts in my household. 

I respectfully request regulatory review to ensure TD Banks actions comply with federal consumer protection standards, including prohibitions on retaliatory conduct. Specifically, I request that TD Bank be required to : 1. Suspend all account closures or restrictions until full account-level disclosure is provided.

2. Provide a written, account-specific explanation for each closure or restriction.

3. Confirm in writing that no adverse reporting will occur to XXXX, XXXX XXXX XXXX, XXXX XXXX, or similar databases. 
4. Address whether these closures are connected to or influenced by prior consumer complaints.

5. Allow me to maintain my accounts as a connected banking cluster, including mortgages, HELOCs, and other related accounts, to continue managing my finances effectively. 
6. Consider my decorated, XXXX law enforcement background, spotless account history, and pension/Social Security deposits when reviewing account closures or restrictions. 

This complaint is submitted to protect the rights of minors, unrelated adults, dormant entities, and all affected account holders, and to ensure TD Banks actions are not retaliatory, procedurally improper, or unjust. 

Attached : TD Bank Regulatory Complaint

Company response to consumer: Closed with explanation