Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I was issued a Summons by TD Bank USA.Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX seeking a judgment for a Target Credit card debt filed in the State of South Carolina XXXX of XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

TD Bank XXXX, Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX made several violations in violating the Fair Debt Collection Practice Act, and the Privacy Act in the filing of the Summons by submitting an exhibit to the Court of my expired XXXX Professional License with my attached photo along with a document displayed with my name listed as a Method of Teaching Course Provider that is electronially displayed online. Thus, violating my privacy. 
rights and civil rights. 

Also, I was sued without being properly notified of the lawsuit. 

Attached with the Summons at the XXXX House electronically displayed online is a documentation of my expired XXXX Professional license with my attached photo along with a display document of my name listed as a Method of Teaching Course Provider. My photo is not redacted/blocked out, which personal information is supposed to be redacted. My privacy rights are being violated. This violation puts me at risk for identity thief and fraud etc. 

In addition, TD Bank XXXX XXXX Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX did NOT obtain my XXXX professional lisence with my attached photo from me, which they deceptively, falsely, misleadingly misrepresented my XXXX professional licence in connection with the collection of the debt by submitting it to the XXXX as a document. Submitting my expired license with my photo to the XXXX like I killed someone. 

Target XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX House violated my privacy rights. My photo should have been redacted/blocked out. They all put me at risk for identity thief and fraud etc.. My personal information ( professional license with attached photo ) should not be displayed online. 

I'm not sure how Target XXXX XXXX ( XXXX ), TD Bank XXXX or XXXX XXXX XXXX XXXX obtained my XXXX Professional license with my attached photo, which my professional license were issued on XX/XX/XXXX and expired on XX/XX/XXXX and couldn't have been in used to obtain the XXXX Target Credit Card. The way how my XXXX XXXX license is displayed in the photo, my professional license is NOT public information. I attached my photo to that professional license along with the XXXX XXXX XXXX XXXX XXXX document like that to be submitted to the SBA ( Small Business XXXX ) when I applied for the PPP Loan and Grant in XXXX or XXXX. I'm not sure if the SBA used TD Bank USA to issue the funds for the XXXX proceeds that I received or if the SBA have my personal information public. 

I never submitted my XX/XX/XXXX - XX/XX/XXXX ( expire ) Professional License to Target XXXX XXXX XXXX XXXX ), TD Bank XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX Professional License were not used at the opening of the XX/XX/XXXX Target credit card to obtain credit and should NOT be used as an exhibit in XXXX in an attempt to collect on a bad debt without proper documentation. 

On Thursday, I was contacted by a XXXX XXXX. I went online to the XXXX, discovered the Summons and document of my expired professional license with my attached photo online. 
On XXXX XXXX  XXXX. I contacted XXXX XXXX XXXX XXXX about the exhibit document of my expired XXXX Professional license with my attached photo displayed electronically online at the XXXX House along with the filing of their lawsuit on behalf of TD Bank XXXX, the representative spoke with the Attorney who denied that XXXX XXXX XXXX XXXX submitted my expired XXXX license to the XXXX as a document in an attempt to collect on the bad debt. The representative said, " He don't believe TD Bank XXXX or Target would do anything wrong by falsely submitting my expire XXXX license to the XXXX ''. While speaking to the representative on the phone, the XXXX XXXX tried to serve me without all of the documents that were filed with the Lawsuit because they knew they had error with submitting my XXXX expired license to the XXXX. By law, ALL Court documents are to be serve that were filed/clocked in! 
I also on Friday, XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX about submitting.my expired XXXX professional license with my attached photo to the XXXX as a document violating my privacy rights. 

Also, the XXXX XXXX tried to serve me without identifying who I was, he threw the documents on the ground and left. On XX/XX/XXXX, my house was a total loss due to a house fire. The house is inhabitable. I don't live at that address. I was sitting in my car in the driveway when the XXXX XXXX showed up and threw the documents on the ground not knowing or asking who I was. I was not properly served the Summons and the Summons were left on the ground. 

XXXX XXXX XXXX ( XXXX ), TD Bank XXXX, XXXX XXXX XXXX XXXX falsely and deceptive place my XXXX professional license attached with my photo in the XXXX as a document for the Target credit card debt. In doing so, Target XXXX XXXX ( XXXX ), TD Bank XXXX, XXXX XXXX XXXX XXXX violated my privacy rights by electronically displaying my photo and personal information online and deceptively violated the Fair Debt Collections Act. 

TD Bank, Target XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX continues its abusive practices toward consumers by not protecting personal information and deceptively violating the Fair Debt Collections Act. 

XXXX XXXX XXXX XXXX filed this lawsuit and submitted the document of my expired XXXX professional license with my attached photo! As of Friday, XX/XX/XXXX, my expired XXXX license with my attached photo have been removed from the XXXX records as it was clocked in with this Summons. 

On Friday, XX/XX/XXXX, XXXX and XXXX XXXX attempted to collect funds on the bad debt when they know they violated my privacy rights and violated the Fair Debt Collections Act. I also asked XXXX & XXXX not to call my cell but I continue to receive harassing phone calls constantly throughout the day. 

My business was affected and suffered by XXXX. Now, I'm suffering from a house fire. The house fire was a traumatic experience, which also made me unemployed etc.

Company response to consumer: Closed with non-monetary relief