Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am filing this complaint against TD Bank regarding repeated account closures, denial of access to online banking, and potential inaccurate fraud reporting that has severely impacted my ability to access financial services. In or around XX/XX/XXXX, I received a legitimate {$200.00} XXXX payment from a personal contact. Shortly thereafter, TD Bank restricted my account, citing concerns that I may not be the person. Despite my attempts to verify my identity, my account was closed. Since that time, I have experienced a persistent pattern in which accounts I open with TD Bank are repeatedly restricted, my mobile/online banking access is disabled, and accounts are ultimately closed following so-called fraud reviews. Most recently, I have been unable to access my online banking at all since approximately XX/XX/XXXX. I was contacted by a representative identified as XXXX from TD Banks fraud department ( XXXX ( XXXX ) XXXX ), who indicated that the issue had been resolved. However, within two days, the same restrictions reappeared, demonstrating a systemic failure to properly investigate and resolve the matter. These actions raise serious concerns regarding : - Failure to conduct a reasonable investigation before restricting or terminating accounts - Possible inaccurate reporting of fraud-related information about me to third parties - Denial of access to my own financial accounts, including the inability to monitor balances or make payments - Ongoing harm to my financial reputation and ability to maintain banking relationships I have never engaged in fraudulent activity. The repeated nature of these actions strongly suggests that TD Bank has either misidentified me or is relying on inaccurate or unverified information in its internal or external reporting systems. Accordingly, I demand the following : 1. A detailed written explanation of the specific basis for all fraud determinations and account closures, including what triggered the so-called secondary fraud review 2 . Disclosure of whether any information about me has been reported to XXXX XXXX XXXX, XXXX, or any other consumer reporting agency, including copies of all such reports 3. Immediate correction or deletion of any inaccurate, misleading, or unverified fraud-related information associated with my identity 4. A comprehensive manual review of my identity and account profile, with the opportunity for in-person verification if necessary 5. Restoration of my ability to open and maintain accounts with TD Bank without unjustified interference, OR a written statement clearly confirming that no finding of actual fraud was made against me 6. Confirmation that no negative credit or account reporting has occurred as a result of TD Banks actions, or immediate correction if such reporting exists If this matter is not resolved promptly, I am prepared to pursue further action, including filing complaints with additional regulatory agencies and seeking legal remedies for any damages caused by inaccurate reporting and denial of access to financial services. This situation has caused significant and ongoing harm, and I expect a substantive and transparent response.

Company response to consumer: Closed with non-monetary relief