Consumer complaint received 2026-06-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTD Bank\nTD Bank, N.A.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nDear TD Bank Customer Care Team,\n\nI am writing to file an official complaint regarding fees charged to me for a checking account. The incident occurred on on or about XXXX XXXX XXXXn\nWhen closing out a checking account that should have had XXXX XXXXn it, I was informed that there was only XXXX in the account by XXXX from the TD Bank located at XXXX XXXX XXXX XXXX XXXX XXXX I was informed that there had been an ongoing XXXX maintenance fee for the account and that is why the amount was lower than I had anticipated. I told her that I was advised the checking account did not have fees. At that time, XXXX told me should could waive the XXXX XXXX fee, but the fee for XXXX would be taken out soon. Her response implied that I should close the account immediately (so as to avoid XXXX XXXX fee), so I did. Please keep in mind I was at the tellers window with people behind me. The line was becoming long and they were becoming impatient.\n\nI asked to speak to someone at the bank and XXXX told me that those at the desk are for customers only, and I am no longer a customer. That did not sit well with me. I should have been advised to talk to them before I closed out the account. I would have to call TD Bank directly to lodge a complaint. In my estimation, cashing out the account was not good advice.\n\nWhen I did call TD Bank directly, I spoke with a lady named XXXX (spelling). I gave her all the information and was told that since I did not have an account, there wasnt any way she could credit me anything at this point. I asked to speak to her supervisor who was not available, but she advised me that someone would be calling me in the next couple of days.\n\nNo one called me in the next couple of days, but I did get an email from XXXX XXXX from the Customer Advocacy and Insights / Office of the CEO / TD Bank telling me she would be investigating this and will reach out as soon as my (her) investigation has concluded. I asked her to call me and she did. I then asked who was making the decision on this matter, and was provided the following - \nXXXX 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\nIve never heard back from XXXX XXXX since the initial call back. \n\nI called XXXX After repeating the story for the third time, I was told that XXXX XXXX would be making the decision, not her. I asked to speak to XXXX. I was informed the XXXX was too busy and there wasnt any way I could speak to her today or any day for that matter. However, I was assured that this issue would be escalated to her and she would get it addressed. I have never heard back from XXXX XXXX or XXXX XXXX office.\n\nAbout 10 days ago, I received a call form a lady named XXXX Again, I told her the story. She listened and assured me that this would be taken care of immediately. \nI never heard back from XXXX \n\nRespectfully, I feel like Im getting the runaround.\n\nFrom all the conversations, this is what I have gleaned - \nWhen my balance fell below XXXX which it did on or about XXXX XXXX I would be charged XXXX monthly fee. That was a result of a XXXX fee for forwarding monies on a HELOC that was charged to my checking account. I was NOT told that would trigger XXXX monthly fees on an my checking account. I did not receive any written correspondence regarding that at all, none. \n\nWhen I initially applied and opened up the checking account . I was told that there are no fees of any sort (on the account) and I would receive email notifications if there was any activity on my account. I am told that monthly fees are not considered activity. That is absurd, if money is deducted and my balance is reduced, it is activity. Not notifying me is a bit too convenient for your firm and seems a bit suspect. I should have been notified.\n\nFurthermore, I have been told that the person who opened up the account many years ago is no longer employed with TD Bank implying that they cannot confirm or deny my statement.\n\nRespectfully, I am requesting XXXX be refunded for the fees charged to my account. \n\nIf I do not get a favorable response I will be contacting the XXXX XXXX XXXX Consumer Financial Protection Bureau and NJ Department of Banking and Insurance.\n\nThank you in advance for you attention to this matter.'

Company response to consumer: Closed with monetary relief