Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank issue new credit card ending XXXX for the limit of $ XXXX on Bank pre-selected offer to me on XX/XX/XXXX and card activated on XX/XX/XXXX. No transaction took place during life of this card ending from XX/XX/XXXX to closing request date XX/XX/XXXX. Card stays in business XXXX only and no business took place. 
I did call TD Bank XXXX from XXXX to XXXX pm and spoke with Credit team representative XXXX XXXX and after discussion over one hour on phone, she offered me that if I am not happy on card limit then she can close the account. I told her, I will decide later and will call back to close the account. Later, I did call same day MONDAY XX/XX/XXXX at XXXX to XXXXXXXX XXXX Zone, at XXXX and request to close the account with Bank representative XXXX XXXX and after she read few disclosers, she said my account is close and will receive letter in mail. I did point out to her there is no rewards or any points on this card so why you reading disclosures which not for this card at all. But she said, she still has to read these disclosures and I have to accept it. TD Bank might issuer of different type thousands credit card issuer BUT and why I have to accept their disclosures which not belongs to this card at all. I did mention that I did create the online account for this card where I can be able to see when its show that account is in process of closing or close on Customer request. She also blocks the ONLINE dashboard for this account. But, still able to login Online account. It allowed me to log in but then NOW it says 'TASK INCOMPLET '' Not able to verify that my account is in process of closing or account close. When call bank few times today, at XXXX and after punching my card number and social security number, automatic message, it says my card have available credit of {$4500.00} and still card is GOOD. Automatic message on phone does not say that this account is closed. But when I called, first, representative says available credit {$4500.00} and later say this account close. I never used Card was at all. Seems to not update online account OR on telephone automatic message for credit card information that this account is close or CUSTOMER request to close the account. Refused to provide me verbal any confirmation number OR email me or case number show that representative took my request to close the account. This evening, I did call again and spoke with XXXX XXXX and she said that take time to close the account because disclosers say about Rewards points. This credit card has no rewards at all ; this card offers XXXX XXXX Balance transfer for XXXX months and that's all. No Points No reward or No cash Bonus. There is no transaction took place. I received the card by mail on XX/XX/XXXX and activated same day and close on XX/XX/XXXX. NO transaction took place and No business at all. I try to close the account online myself, but TD Bank not allowed customer to close the account online, its say call their number and speak with bank representative to close the account and that I did. But still nothing written confirmation by email or mail. Even do not offer verbally case number or docket or conformation number on my request to cancel the credit card. Request to confirm that they close my account and must say its customer request to close the account. Thank you.

Company response to consumer: Closed with explanation