Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
T.D BANK is reporting unauthorized and inaccurate accounts on my XXXX XXXX XXXX XXXX XXXX ALSO MY credit report. These accounts : ARE NOT MINE AND NEVER HAVE BEEN MINE Do not match my identity, address, or phone number Are unverifiable and unresponsive to dispute attempts Remain on file despite prior formal disputes submitted by certified mail I demand that you immediately delete the unauthorized, unverified account you opened in my name from XXXX XXXX XXXX XXXX and all similar banking databases in New York and across the U.S. Your actions have legally harmed my ability to obtain new accounts, constituting serious violations of multiple federal and state laws, including : 30 Supreme Court Principles & Legal Precedents Youve Violated Due Process ( XXXX XXXX XXXX ) Equal Protection ( XXXX XXXX XXXX XXXXXXXX ) Right to Fair Hearing ( XXXX XXXX XXXX ) Notice & Hearing Requirements ( XXXX XXXX XXXX ) Procedural Due Process in Financial Reporting ( XXXX XXXX XXXX XXXX ) Right to Access to Courts ( XXXXXXXX XXXX XXXX XXXX Privacy in Financial Data ( XXXX XXXX XXXX ) Protection Against Arbitrary Action ( XXXXXXXX XXXX XXXX XXXX Government-Style Due Process for Consumers ( XXXX XXXX XXXX XXXX Right to Be Heard Before Harm Occurs ( XXXX XXXX. Dept. of Social Services ) ( plus 20 additional analogously violated Equal Protection and Procedural Due Process rulings ) Fair Credit Reporting Act ( FTC enforcement ) FTC Furnisher Rule ( 16 C.F.R. 1022.41.48 ) GRB Act Deceptive practices in consumer data Telemarketing Sales Rule If account resulted from phone-based offers New York Gen . Bus. Law 349 Deceptive acts in commerce NY CLS Banking Law 598-a Unauthorized deposit account info NY Gen . Bus. Law 380-b Deceptive practices in loans NY Aggregated Privacy & Security Law NY SHIELD Act Unauthorized disclosure of PII NY Personal Privacy Protection Act NY Identity Theft Prevention Act NY DFS Cybersecurity Regulation NY Consumer Protection from Deceptive Acts NY Banking Law Unauthorized account creation NYs UDAAP ( NY DFS ) Unfair or deceptive acts or practi Violations Cited : FCRA ( 15 U.S.C. ) Violations : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to reinvestigate disputed items 1681s-2 ( b ) Failure to delete unverifiable information 1681g Failure to provide full disclosure of file 1681c Reporting obsolete or incorrect info 1681n / 1681o Civil liability for willful/negligent noncompliance 1681b Reporting without permissible purpose CFPB Privacy & Data Handling Violations : Regulation P ( 12 CFR Part 1016 ) Mishandling of non-public personal information GLBA Privacy Rule Inadequate safeguards to prevent identity misuse Failure to maintain data integrity and dispute protocols as required by CFPB I am demanding the immediate removal of these accounts, as they are : Not tied to me by any legitimate or verifiable means and are UNAUTHORIZED Reported in direct violation of consumer rights and Impacting my financial wellbeing and creditworthiness If T.D BANK fails to remove this unauthorized overdrawn checking account, I will pursue a {$300000.00} civil lawsuit for : Statutory damages Emotional distress Punitive damages for willful noncompliance Legal costs and injunctive relief I have sent Dispute letters sent via certified mail with Tracking numbers and delivery confirmations outside the Credit reports showing inaccurate items with a Copy of ID and proof of address inside the package. 



Permanent deletion of inaccurate/unverifiable accounts because they are unauthorized please include Written confirmation of deletion with Full deletion of this OVERDRAWN T.D BANK into MY XXXX XXXX XXXX XXXX XXXX XXXX with in the future Oversight from the CFPB to ensure compliance with FCRA and privacy laws

Company response to consumer: Closed with explanation