Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX I received an email from my landlord that they received a check from the same TD Bank account whose check bounced last month thus incurring a fee for me. The TD branch managers XX/XX/XXXX letter states that the account is being closed and that checks received after XXXX will be returned. I was advised to discontinue writing additional checks but I stopped writing checks long ago. The only checks sent from my account was an automatic bill pay that the bank itself sends. Despite their own letter stating not to send checks after XXXX, TD continues to send rent checks from my closed account apparently in retaliation for my negative online reviews. They sent a check in XXXX which bounced and incurred a fee. I complained to both state and federal regulators about this XXXX XXXX which prompted a response from TD stating they would refund me the fee and had stopped sending rent checks as of XXXX. However, they then sent a rent check to my landlord in XXXX. Also, I have yet to receive their promised refund from sending the bounced XXXX check. Im tired of their lies. They need to stop sending checks from an account that has been closed for months and accept that my negative online reviews ( which I am updating for this ) are not coming down despite their continued harassment. 
Earlier complaint : In retaliation for my online XXXX negative review caused by TD telling me they sent my XXXX XXXX XXXX. to the wrong email address when I opened a CD ( the rep kept repeating the wrong address, adding an extra m ), I received a letter from TD stating that they were giving me 15 days notice that they were closing my checking account even though my review posted online three days earlier said I'd be closing it and moving to XXXX. However, the letter was sent on XX/XX/XXXX which is after it is dated. Therefore, I did not receive the notice they claimed and filed a complaint with CFPB on XX/XX/XXXX about that and about being unable to close my CD. The subject of the letter from TD was my checking account and the letter stated that account alone would be closed XXXX which did not afford the 15 day notice claimed. In the meantime, I closed my savings account but was told I could not close my CD without incurring a large penalty even though I had just opened it the prior day. XXXX XXXX from TD responded to my complaint in a letter dated XX/XX/XXXX which, like the last one, was sent after it was dated. It was not received by me until XX/XX/XXXX. In it he said my accounts ( plural ) would be closed out on XX/XX/XXXX and I would not be charged an early closeout penalty on the CD. Since the letter was received after the XXXX deadline, it was too late as I had already closed both the checking account and CD which included interest and no penalty despite my being told on XX/XX/XXXX that TD would not allow that. Today I received an email from my landlord that the attached check dated XXXX was mailed to them by TD and bounced thus incurring a {$35.00} fee for me. TD sent the check despite closing the account last month, knowing full well that this would cost me a fee. I request that the Board demand that TD Bank cease sending checks from my closed account immediately and reimburse me the bounced check fee. I dont believe that this type of continued harassment after my account closure, and after the gaslighting I experienced at the branch and in their response to my complaint which included absurd allegations, would be happening if I werent a XXXX, XXXX XXXX who wrote a critical online review of the branch after their rep told me they sent my personal info to the wrong email address. This is just continued retaliation and it needs to stop.

Company response to consumer: Closed with monetary relief