Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I received an email to a past account from a company, named XXXX XXXX XXXX XXXX XXXX XXXX EST. The email mentions they are contacting me in relation to an account that was closed and due to economic hardship issues, was to issue a 1099c for as to debt forgiveness. The company, Nordstorms credit card has still not sent this 1099c form to me to date as to also charges that were not mine. Im now being contacted by this company, XXXX XXXX XXXX XXXX now sending me solicitation collection notices to such. Im filing this complaint to to ask the CFPB to assist in stopping this company from continuing to contact me in any way as to this alleged debt that I do not owe but has been forgiven by the company as to issuing a 1099c form which would need to be reported as earned income on my taxes at the end of this year. Im still awaiting this 1099c from. I have also hired an attorney with a paid retainer for possible filing a XXXX XXXX bankruptcy as to other choices related to this economic hardship that affects other parts of my personal finances and life. Being serious injured in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has caused great difficulty both emotionally and economically for me and my family and this company, Nordstrom has offered this solution in issuing the 1099c form as a resolution to this. Now awaiting the 1099c from, for this collection company to contact me to such is not only harassment, but unethical business practice. Be advised by this complaint, on a government server, to XXXX XXXX XXXX, XXXX, consider this complaint to include, Cease and desist demand. As per the Federal Fair Debt Collection Practices Act, ( 15 USC 1692c ) you are hereby notified to cease and desist communication concerning the collection of this alleged debt associated with the above referenced account. Also, at this time, I will also inform you that if your office have or continue to report invalidated information to any of the three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  this action might constitute fraud under both state and federal laws. Due to this fact, if any negative mark if found or continues to report on any of my credit by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following ; Violation of the Fair Debt collection practices act and Defamation of Character. Im sure youre legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the Federal Trade Commission and other state and federal agencies. I will be sending an official letter of cease and desist to your company as well as XXXX XXXX  to the above by certified mail, delivery confirmation, signature required as proof of delivery. Again, this government complaint is the 1st official complaint and notice to cease and desist further communication with me to this alleged account. If court intervention is necessary, I will respond explicitly in an answer but will also file a counter complaint.requesting a summary judgment for violation of and of my consumer protection rights under the federal and state laws so mentioned above. Some of this changes are not mine as this account was closed to such.

Company response to consumer: Closed with non-monetary relief