Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Since XX/XX/year>, I have been disputing this alleged debt. I have been demanding an answer from this debt collector of WHO THE ORIGINAL CREDITOR IS. Per 15 USC 1692g ( b ) : " If the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' As of today, TD BANK has not provided who the original creditor is. I have sent validation of debt, cease and desist, affidavit of truth letters via certified mail. TD BANK claims this has been fully investigated, and the alleged debt is assumed validated. However, this is not true as the original creditor has not been identified by the debt collector. Therefore, the investigation has not been validated for this account and the assumption of it will be considered as false and misleading representations ( 15 US Code 1692e ). Until the identity of the original creditor has been revealed, collection on this account is to be permanently ceased and ultimately desist. Because TD BANK refuses to identify the original creditor and continues to attempt collection on this account, I demand this account to be discharged, AND any derogatory remarks made to the credit file to be removed immediately. Continuation on attempting to collect on this account will result in multiple United States Code violations. Per 15 US Code 1692k, the debt collector is liable to pay compensation of {$1000.00} per violation. Failure to properly perform investigations to identify the original creditor will ultimately result in litigation being pursued. 

TD BANK is in violation of at least ( 10 ) FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, and are to be held civilly liable for each violation that are listed below.

1. 15 U.S. Code 1681.

2. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ).

3. 15 U.S. Code 1692 4. 15 U.S. Code 1601 5. 15 U.S. Code 6802 6. 15 U.S. Code 552a ( 4 ) 7. 15 U.S. Code 1666 ( b ) 8. 15 U.S. Code 1692d 9. 15 U.S. Code 1692e 10. 15 U.S. Code 1692g ( b ) Any general statements about this investigation being fully investigated and validated without identifying the original creditor will not be valid/accepted. If TD BANK claims they are the original creditor, please provide full documentation showing this including but not limited to : the receipts to the withdrawal of the Federal Reserve Notes from the debt collectors bank account, a receipt of where the Federal Reserve Notes came from being deposited into the debt collectors bank account, the copy of the original indorsed promissory note that was submitted to the Federal Reserve Discount Window in exchange for Federal Reserve Notes and also provide the individual who authorized this. This individual will be identified as the person who is holding me under involuntary servitude as I do not consider this contract to be beneficial, and I do not volunteer to be held as a servant. Please be advised, a valid contract requires consideration to be enforced. Please also be advised the 13th amendment abolishes involuntary servitude.

Please govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief