Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank, N.A. has engaged in a documented pattern of retaliation and discriminatory demarketing against me, a continuous TD Bank customer since age XXXX, in response to my prior consumer complaints. This conduct is occurring in the shadow of TD Banks XX/XX/XXXX guilty plea to Bank Secrecy Act and money laundering violations and its {$3.00} XXXX federal penalty. TD Bank is overcorrecting by purging customers who file complaints particularly customers from protected classes based on race, national origin, and ethnicity. I have filed 18 prior CFPB complaints against TD Bank between XXXX and XXXX. The six most recent ( CFPB # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX ) directly establish the retaliation pattern. The XX/XX/XXXX complaint expressly alleged retaliatory demarketing in advance of the shutdown. TD Bank ignored my request to suspend the closures and executed the action during the pendency of that complaint. On XX/XX/XXXX, by certified mail ( Reference XXXX ), TD Bank notified me it would close 28 of my accounts on XX/XX/XXXX and stated in writing : After the close date, we will not process checks presented for payment and we will return ACH entries for credit or debit. On XX/XX/XXXX, in a single coordinated action, TD Bank closed all 28 deposit accounts, terminated my online access to my three HELOC accounts and my mortgage account, disrupted statement delivery on those four secured credit facilities, eliminated my visibility into scheduled bill-pay items, and disabled my online historical statement download functionality. Notwithstanding TD Banks own written representation, TD Banks bill-pay system has issued at least six checks from the closed accounts that I have identified to date, totaling {$7500.00} in dishonored items plus {$20.00} in municipal returned-check fees imposed so far. Three New Jersey municipalities are confirmed affected : XXXX XXXX, XXXX, and XXXX. XXXX XXXX, where I also own rental property, is presumed affected on the same batch-run pattern but not yet documented. Additional bounced checks and additional fees are reasonably certain to continue arriving as more municipalities and vendors process the items. The six identified checks are sequential ( numbered XXXX and XXXX through XXXX ), confirming they were issued in automated batch runs on XX/XX/XXXX and XX/XX/XXXX 71 to 75 days after TD Bank told me in writing its system would stop. Each bounced check bears TD Banks own return stamp CLOSED ACCOUNT. TD Bank can not reconcile its written representation with its conduct. Either TD Bank lied in writing or TD Bank is currently violating its own stated policy. Compounding this, TD Bank has trapped me in an impossible position : TD Bank tells me to log in and cancel my online bill-pay items while TD Bank itself has terminated my online access. To this day, on every telephone call I make to TD Bank, TD Banks representatives continue to instruct me to log in and cancel knowing full well that I can not. I have called TD Bank multiple times specifically requesting they stop the outbound checks. They have not stopped. TD Bank has also failed to deliver required periodic statements on my three HELOC accounts and my mortgage account. In the most recent monthly cycle no mortgage statement arrived at all. I calculated the payment from prior records, paid it on schedule, and paid extra to ensure timely satisfaction precisely to deny TD Bank the missed payment it has engineered conditions to elicit. The combined effect of TD Banks conduct is to manufacture conditions for default on four secured credit facilities so TD Bank can declare default, accelerate the loans, freeze the HELOC lines, foreclose, or report adverse credit. TD Bank has additionally refused to produce ten years of account statements I requested for tax and financial records. My accounts were paperless online-only. TD Bank disabled my download access on XX/XX/XXXX, then produced only one month of statements when I asked, and refused the rest. The records exist and are accessible TD Bank is withholding them by choice. This conduct violates the Equal Credit Opportunity Act and Regulation B ( 15 U.S.C. 1691 ; 12 CFR 1002.4 ( c ) ), the Fair Housing Act ( 42 U.S.C. 3604, 3605 ), 42 U.S.C. 1981, the Truth in Lending Act and Regulation Z ( 12 CFR 1026.7, 1026.25, 1026.41 ), RESPA and Regulation X ( 12 CFR 1024.35, 1024.36 ), the Consumer Financial Protection Act UDAAP provisions ( 12 U.S.C. 5531 ), Regulation E ( 12 CFR 1005.9 ), Bank Secrecy Act record-retention regulations ( 31 CFR 1010.430 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), Uniform Commercial Code Article 4, and the New Jersey Law Against Discrimination ( N.J.S.A. 10:5-12 ). This entire matter can be resolved by TD Bank restoring my online access to my three HELOCs and my mortgage, resuming compliant statement delivery, stopping the bill-pay system, and producing ten years of records. Absent that, civil legal action will follow seeking actual damages, statutory damages, punitive damages, injunctive relief, and attorneys fees. I respectfully request the Bureau open a substantive investigation, direct TD Bank to take the corrective actions above, and refer this matter to the Office of the Comptroller of the Currency, the U.S. Department of Housing and Urban Development Office of Fair Housing, and the U.S. Department of Justice Civil Rights Division for parallel review of TD Banks post-2XXXX XXXX-resolution compliance program and its disparate impact on customers from protected classes who have engaged in protected consumer-complaint activity. See attached Master Complaint PDF for full statement of facts, all six prior CFPB complaint cross-references, complete statutory citations, Exhibit A ( six bounced TD Bank checks returned CLOSED ACCOUNT with full images ), and Exhibit B ( TD Banks XX/XX/XXXX certified mail closure letter with full images of both pages ).

Company response to consumer: Closed with explanation