Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent Target charge card account issued by TD Bank on behalf of XXXX XXXX. Case ID : XXXX In XX/XX/year>, I discovered a Target credit card account on my credit report that I did not open. Around the same time, I was contacted by a law firm representing Target regarding this account. Because I have previously been a victim of identity theft, I immediately contacted Target to report that the account was fraudulent and that I did not open it. During my initial communication with Targets fraud department, I explained that this account was the result of identity theft. The representative informed me that the account would be marked as fraud and that a Target Fraud Questionnaire would be mailed to me so that I could provide documentation supporting my claim. I received the fraud questionnaire on XX/XX/year>. I completed the questionnaire and promptly returned it along with the following supporting documentation : A written statement explaining the fraud A police report documenting the identity theft California DMV documentation showing that my identification had previously been stolen These documents were faxed to Target at XXXX on XX/XX/year> at approximately XXXX XXXX XXXX. My fax transmission confirmation shows the documents were successfully sent. After submitting the documentation, I called Target several times to confirm that the documents had been received and uploaded to my fraud case. Each time I called, I was told that the documentation had not yet been uploaded or processed in their system. On XX/XX/year>, I called again to follow up and was transferred to a fraud supervisor. During this call, I was informed that Target had already completed the fraud investigation on XX/XX/year> and that a decision letter had been mailed to me. This was extremely concerning because Target representatives had already confirmed that the fraud questionnaire and supporting documentation I submitted had not yet been uploaded or reviewed. When I questioned how an investigation could be completed without reviewing the evidence I submitted, the supervisor acknowledged that closing the investigation under those circumstances was premature and irresponsible. Additionally, during this conversation we confirmed that the identification used on the fraudulent account does not match my actual identification. This discrepancy should have been a clear indicator of identity theft. Additional Concern Use of Fraudulent Information Another serious concern is that Target appears to be relying on fraudulent identity information within its internal system that does not belong to me as part of its investigation process. Despite confirming that the identification associated with the Target account does not match my identification, Target still closed the investigation without reviewing the documentation I submitted. This documentation included a police report and official DMV records verifying my identity and documenting the theft of my identification. It appears that Target is relying on incorrect and fraudulent identity information in its internal records rather than reviewing the verified documentation I provided. This raises serious concerns about the adequacy and fairness of Targets fraud investigation procedures. Closing an investigation while relying on information that does not match the consumers identity and without reviewing the consumers submitted documentation demonstrates negligence and an irresponsible investigation process. Failure to Properly Handle Identity Theft Documentation Once a consumer submits documentation demonstrating identity theft, creditors are required to conduct a reasonable investigation and take appropriate corrective action. I submitted substantial documentation supporting my claim, yet Target closed the investigation without reviewing the materials provided. This failure to review submitted identity theft documentation and properly investigate the claim has allowed a fraudulent account to continue affecting me and has resulted in continued collection activity.

Company response to consumer: Closed with non-monetary relief