Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Cell : XXXX XX/XX/XXXX Subject : Unauthorized Account Opening and Charges Dear Target Circle Credit Card Services, I am writing to formally dispute all unauthorized charges on my Target Circle Credit Card account ( ending in XXXX ) and request immediate action to resolve this matter. This account was opened without my knowledge and I never received the physical copy of this credit card. I have been a victim of identity theft since XXXX XXXX, XXXX ( Attached Police report, FTC Report ), and despite my repeated efforts to close my account and prevent fraudulent activity, unauthorized transactions continued to occur in the said account until the balance reached {$8000.00}. 
Summary of Events I became a victim of identity theft ( XX/XX/XXXX ) The hacker was able to open multiple credit accounts in my name with different financial institutions without my authorization. They opened XXXX additional accounts with Target XXXX Credit Card without my knowledge. 
Account Closure Request ( XX/XX/XXXX ) : I paid my final balance of {$240.00} and requested the closure of my Target Circle Credit Card ( ending in XXXX ) by calling customer service, as I feared the hacker would misuse my account. 
XXXX of Fraudulent New Card ( XX/XX/XXXX ) : I received letters from Target regarding unfamiliar charges. Upon contacting customer service, I spoke with XXXX XXXX in the Fraud Department, who informed me that : XXXX new fraudulent cards ( ending in # XXXX, # XXXX, # XXXX ) had been issued in my name. 
These cards were mailed to an unknown address in XXXX, XXXX  ( I have never lived theremy only address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ). 
XXXX XXXX assured me these accounts were fully closed, and I followed up by mailing Targets Fraud Department with : A copy of my police report ( identity theft case ). 
Proof of my current address ( utility bill, drivers license ). 
Continued Fraudulent Activity ( XXXX ) : Despite these efforts, I continued receiving statements for unauthorized purchases. 
I contacted customer service multiple times to dispute charges and update my contact information on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time a customer service representative assured me I will not be liable for the bills and they will close/investigate the matter, but the accounts remained active with fraudulent transactions. 
By the time Target closed the accounts, the balance already reached {$8000.00} as of XX/XX/XXXX These transactions were fraudulent and the accounts were opened without my consent. 
Request for Immediate Action Remove all fraudulent charges from my account and confirm in writing that I am not liable for them ( # XXXX, # XXXX, # XXXX ). 
Block any future cards from being issued in my name. 
Provide a written confirmation that : The account is closed. 
All fraudulent debts are discharged. 
My credit report will reflect {$0.00} liability. 
Summary of Identity Theft Incident On XX/XX/XXXX, I discovered that my XXXX ( XXXX ) had been hacked, which led to the compromise of my email account and personal information. The hacker gained unauthorized access to my bank accounts, credit cards, and other sensitive financial information, including my current Social Security Number. This breach has resulted in : XXXX. Unauthorized Financial Transactions : The hacker made fraudulent XXXX transfers, withdrew approximately {$30000.00} from my XXXX ( k ) plan. Addition to that they applied for multiple credit accounts, cash wallets, and XXXX XXXX services in my name in totalling to about {$60000.00} in credits. I am constantly receiving notification of new credit accounts being opened in my name. 
XXXX. Compromised Accounts : Despite my efforts to secure my accounts, the hacker continues to bypass security measures, including reverting changes to my contact information with financial institutions. 

Steps Taken to Mitigate the Damage To address this identity theft, I have taken the following steps : - Filed Reports : I filed a report with the Federal Trade Commission ( FTC ) and a police report with my Local Police Department at XXXX XXXX, XXXX. 
- Placed Fraud Alerts : I contacted all three major credit bureaus ( XXXX XXXX  and XXXX ) to place fraud alerts on my credit reports. 
- Secured Accounts : I froze my credit accounts, changed my cell phone and phone number, and notified my banks of the ongoing situation. 
- Requested Account Closures : I have requested the closure of compromised accounts, including my XXXX email account, which the hacker used to further their fraudulent activities. 
- Requested for a New Social Security Number : I have applied to XXXX for a new SSN to be issued in my name. 
- Contacted Other Financial Institutions : I contacted other financial institutions where the hacker opened unauthorized accounts in my name and made unauthorized transactions. All the financial institutions ( XXXX, TD, XXXX, etc. ) waived my responsibility from all fraudulent transactions and they permanently closed the accounts. Only Target  XXXX Credit Card is sending me letters to pay the dues. I was a victim of identity fraud, I should not be liable for these accounts in my name. 

Supporting Documents I have enclosed copies of : My police report ( identity theft case ). 
My drivers license and utility bill ( proof of address ). 
Proof of other financial institutions waiving my responsibility for fraudulent transactions. 
Final Notice If this matter is not resolved within XXXX  days, I will escalate it to : The Consumer Financial Protection Bureau ( CFPB ). 
The Federal Trade Commission ( FTC ). 

Please contact me at XXXX or the address above if you require additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation