Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Its XXXX and I have not received my refunds from returned purchases. Its over four months and TD does not have good records of my transactions from an account TD closed behind my back and the back of the branch that opened the account. The venders sent the money to TD where it disappeared and was not deposited nor was it sent to me in any fashion in over 4 months. TD Bank closed my account XXXX without my permission or knowledge- they did not contact the branch that opened the account either. They also wiped the data from the account and have no records of the transactions on their end. I have emails and receipts so I know how much they are holding. I have refunds due me ( XXXX XXXX XXXX and XXXX XXXX ) but TD has turned away my refunds instead of placing them in my new account-which I had to open. This account took 5 hours to set up over two days and they closed it even though I had accounts with them for over 25 years ( they took over my original bank. This is the second account they have miss handled the first business account for my non profit was closed after XXXX syphoned off XXXX from account # XXXX with fee for doing nothing. It took me Months just to get the account number XXXX as they purged it from the system after taking all of the money ( XXXX ) from my none profit. I want all my money back which is a total of XXXX. I now have XXXX missing which was recently sent back to the second closed account XXXX which happened two week ago. I have complained directly to td several times and the first few complaints where ignored and I have not gotten my money XXXX back from the first account XXXX, now they have screwed up the second account XXXX, I have had to open a third account and this is where I told TD to place my funds. I need this money refunded now as soon as they get this complaint. These are grant funds and not to be played with by TD bank. They think they have to XXXX, but this has gone on far too long!! I am unable to get the hierarchy to respond to my complaints and TD has disconnected phones to their corporate headquarters. I spoke with many supervisors and one XXXX on XX/XX/XXXX told me they sent a check for XXXX which is the wrong amount and I have not received the snail mailed check. They closed the account and caused trouble for me, by refusing to process my refunds to the new account that I had to spend hours opening up and wasting my time. I had four refunds due to me XXXX from XXXX XXXX XXXX dollars ( XXXX after subtracting XXXX ) and XXXX from XXXX for XXXX and XXXX for XXXX from XX/XX/XXXX refunds. I have not received any of this money and after speaking with a supervisor TD allegedly processed a check for XXXX after subtracting XXXX on a phantom charge from XXXX that is not recorded on the old account or XXXX. TD owes me XXXX period with out any fees or deductions and I have yet to be given the money which should be applied to the new account that TD referred to in their correspondence to you. So they know my account and still have issues giving me the money. Now TD claims to me that they snail mailed a check to me for the amount of XXXX after taking money from me, I also had another business account for my non profit and TD drained that count dry and owes me XXXX after cleaning out my account. I want all the money back owed me. XXXX from the recent charges, and the XXXX stole from the first account for a total of XXXX. TD has a recent history of Fraud and the DOJ fined them XXXX XXXX dollars, my account was handled crazily and its fraud in my opinion for the first account opened in XXXX on a corporate level ( not the employees ) and the recent missing amount of XXXX is incompetence at a corporate level with no one understanding how to get my money back into my account or even send me a check for the correct amount. I want to escalate this complaint, after spending months trying to get my money back from TD after TD received my refunds from the vendors listed. This is all TD fault the vendors give the money back quickly and efficiently, and TD has been a nightmare nuance. No one is in charge, they dont know where the money is, and then allegedly send a invisible non existent check for the wrong amount. As of XX/XX/XXXX I have not received my refunds, and every time I call or go into the branch its a different story. My branch has tried repeatedly to secure my funds and the back office changes the story each time. TD has defrauded me and failed to give me my refunds or tell me where the money is. XXXX and XXXX XXXX have confirmed they sent the money and it was not returned to either. TD has raised its minimum deposit to XXXX, yet its has stolen my money. Now they are saying they sent the XXXX refund back to XXXX which is a lie. I made a new complaint with XXXX. TDs excuse that I am out of time for the XXXX is also a lie since they claimed that they could not find my account and kept information from me for 2 years until I found an email from the employee who opened the account and has since quit the company. Only then did they find the account and provide me statements for XXXX then I was able to file this complaint.

Company response to consumer: Closed with non-monetary relief