Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was a victim of someone hacking my phone. This person ( " XXXX XXXX '' from XXXX XXXX ) who I thought was helping me with my XXXX acct that my abusive ex infiltrated, got into my phone thru an app called " XXXX XXXX '' and went into several phone apps including my Target Store app. " XXXX '' made over XXXX in Target gift card purchases usig my Target credit card app using the info that was on file. " XXXX '' also helped himself to my paypal, XXXX, XXXX and XXXX XXXX accts. I did file a police rept. with my local town ( XXXX XXXX, NY ). All of the companies ( except Target ) who were hacked re-instated the money that was taken. I have sent Target several lengthy notes along with all of the paperwork showing my other re-imbursements, my police rept as well as the responses from the Attny General 's Office ( who I contacted in XX/XX/XXXX ). When I tried calling Target several times between XXXX and XXXX, my case worker " XXXX '' did not return most of my phone calls. I then asked for a new case worker and was denied. A person named " XXXX '' called me @ XX/XX/XXXX and told me I needed to pay on my acct or I would be turned over to collection. I explained my frustration to " XXXX '' only to find out he was actually my case worker called " XXXX '' and then told me that he didn't return my calls because Target wasn't forwarding any messages or calls to their employees from the consumers??? " XXXX '' did tell me that he realized I was a victim of a scam but Target is still making me pay for the gift card purchases because they are believing I working along side the scammers. There was {$6300.00} worth of gift cards purchased by " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX. I was unaware of these purchases because I was sick in bed and not ckg my email for several days. When I was trying to speak to Target in mid XX/XX/XXXX ' to explain my dillemma, I spoke with several personnel in the Target fraud dept. Several of these employees told me that Target should have contacted me when thes exorbitant charges were being placed on my credit card acct. ( my regular Target purchases were almost always under {$100.00} ). My credit card limit was {$3000.00}, so I have a hard time understanding why {$6300.00} worth of purchases were allowed to be placed on my Target acct without notifyng me or putting a hold on more purchases? So Target has made me liable for {$3100.00} however, they re-imbursed my acct for the remaining {$3100.00} that went over my credit limit. Target boasts on social media about this " state of the art '' scamming and fraud protection system they have which protects their consumers, however, this system must have been down the day that I was hacked!?! Target has lied and given me the " run around '' when it came to helping me out with this fraud issue. Once they made their mind up that I was guilty of working with scammers ( which by the way, was BEFORE they received my written explanation and any proof I had ), there was no turning back or reconsideration involving my case. I have written several letters to Target and made multiple phone calls to my case worker " XXXX '' that went unanswered. When I requested a new case worker, I was told that this was not a possibility. I was told by several Target employees in their fraud dept to fight this scamming issue because it is was unjust and unfair for their company to allow these purchases to have taken place and billed my acct. I have my back against the wall trying to fight this riight now. I have been told so many lies and discrepancies from Target that it's hard to know what is truth or falicy. I was told that letters were sent to me from the fraud dept, and when I never received them, I requested another copy to be mailed out. Ironically, I never received any information. I am living alone and depend on my monthly social security paymts to help with my apartment rent and immediate needs. I am getting help with heating assistance ( HEAP ), food stamps and my medical bills. I don't have {$3900.00} to pay for a so called scamming situation that I was not involved in. My credit score went from the low XXXX 's to @ XXXX at the present time because of this Target credit card fraud situation. I have notified all 3 credit agencies and XXXX XXXX to tell them that I was a victim of a scam so they are aware of this and can make a notation in my file. This is damaging my credit if I need to purchase a car to replace the XXXX XXXX XXXX XXXX I am driving right now! 

I sent several documents attached to this online submittal, but I still have more that I could send which could possibly help my case ~ please feel free to ask.

Company response to consumer: Closed with explanation