Debt collection -- False statements or representation -- Complaint #14617996
Complaint Overview
Complaint ID: 14617996
Company: TD Bank US Holding Company
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 77429
Date Received: 2025-07-12T12:00:00-05:00
Date Sent to Company: 2025-08-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TD auto finance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist & Debt Validation Request under 15 U.S.C. 1692c and 1692g To Whom It May Concern, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 1692c, which governs communication with consumers, and 1692g, which guarantees my right to request validation of any alleged debt. Please consider this formal notice that : I request full validation of the alleged debt you claim I owe. This includes, but is not limited to : The name and address of the original creditor ; The amount of the alleged debt, with a breakdown of interest, fees, and principal ; A copy of the original signed agreement or contract giving rise to this alleged obligation ; Proof that your agency is authorized to collect this debt on behalf of the creditor. I hereby request that you cease and desist from all communication with me concerning this alleged debt, in accordance with 15 U.S.C. 1692c ( c ). This includes contact via phone, email, text messages, or mail, except for communications that comply with the narrow exceptions outlined in the FDCPA ( such as sending verification of the debt or notice of legal action ). Please note that until you provide the requested validation, you are prohibited from continuing collection activities, per 15 U.S.C. 1692g ( b ). Any further attempts to collect this debt without validating it may be considered a violation of federal law and will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). This is not an admission of any liability for the alleged debt. I am simply requesting verification as provided under federal law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14617996 about?
Complaint #14617996 was filed against TD Bank US Holding Company regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-07-12T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.