r/tdbank • u/mbmckenzie • 2d ago
TD visa
Just received a letter (all in French) from TD bank with a PIN number for a credit card I did not apply for. I do not do any business with TD, never have. I called the number on the letter and they want me to waste my time to go to a branch to sort it out. Why do banks think our time is worthless and that we can stop what we are doing and resolve a problem not of our making. I have noted the date and time of my conversation with the telephone agent and told them if this in anyway impacts my credit score, I will sue them. Has anyone else had a similar experience?
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u/Forgedevil 2d ago
Clearly somebody has either used or stolen your identity to open up a credit card in your name. Why they didn't use their address so they got the pin/card is weird to me.
Credit card applications give instant decisions, so if the information entered is correct and accurate, it'll usually give an instant decision.
The credit card opening is not TD's responsibility if your identity was used without you, or stolen. They will laugh in your face if you threaten to sue them, most likely. And chances are they won't help you as much now.
As to why they want you in branch? To confirm your identity and that you didn't do this; that way they can open an investigation and catch the person that did. Also to close the account falsely made in your name and to correct your credit. Pretty urgent stuff, I would say.
If your credit bureaus reported a hard check for this (TD usually hard checks Equifax), it will affect your credit. It's best to do something about it now before things have a chance to turn for the worst.
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u/MacDanny83 2d ago
I'd absolutely visit a TD branch. I'd also report this to the credit bureaus, the CAFC and possibly the local police, so they can investigate who stole your identity and successfully applied for a credit card in your name. If you havent already, I'd also highly recommend checking your credit report, because if a scammer did it once with TD, odds are they also applied for a credit card in your name with other banks too.
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u/mbmckenzie 2d ago
There is no recent activity on my credit report….no credit checks, no strange balances, no late payments and no account showing for a TD credit card….I find this entire situation most bizarre….
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u/armourss 2d ago
Credit reports usually take about a month to reflect changes because updates are usually applied once a month. Best option to visit a branch and call the credit bureaus right away. If there was an account opened with TD under your name by someone else, they could do the same with other banks as well
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u/lmcjipo 17h ago
Not sure if you're located in the US or in Canada since TD exists both in Canada (TD Canada Trust) and the US (TD Bank NA) and both offer credit cards but given that you received a letter which was or had French in it, I would say that you're in Canada but it isn't relevant to getting a credit card in the other country since I'm in Canada and I have a credit card from the US (not a USD credit card from a Canadian bank but an actual credit card from the US which I can't pay in Canada even with a Canadian USD bank account and need to pay it with a US bank account).
If you're in Canada, not sure if you're aware of this but there are 2 different credit reporting agencies; Transunion and Equifax. Some companies use one while other companies use the other. Credit products sometimes only appear on one of them. If you only checked one, you should check the other one.
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u/Worldly-Ad3211 2d ago
No doubt TD has also noted the date and time of your conversation, and also noted that you were threatening and belligerent. Calm down and think about this. They are doing you a favour by telling you to go to a branch in person. You need to go and prove your identity, verify that you didn’t apply for this credit card, and make sure this information is entered with the credit reporting bureaus so that it doesn’t affect your credit rating. Instead of instantly blaming TD, why not work with them on this? It would have been more logical to assume that someone applied for a card in your name and you’re the victim of a fraud. It also wouldn’t hurt to be nice and polite when you do go there; threatening to sue them will only make you the punchline of eye-rolling conversations in the staff break room later on.
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u/Worldly-Ad3211 2d ago
And asking for compensation for your time? More eye-rolling in the staff break room later on.
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u/SnarkyGinger1 2d ago
Review your credit reports for unfamiliar accounts, inquiries, addresses, or personal information. Consider a fraud alert or credit freeze and report any fraudulent activity promptly.
Identity theft resources:
• FTC Identity Theft: IdentityTheft.gov • FTC Recovery Steps: FTC Identity Theft Recovery Guide • Free Credit Reports: AnnualCreditReport.com
The FTC recommends reviewing your credit reports, reporting identity theft, and placing a fraud alert or credit freeze if appropriate. (identitytheft.gov)
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u/Mental-Freedom3929 2d ago
Have you considered cutting this up and throwing it away? If I would sue everyone for everything at that importance level, my days would be filled to the brim. You did not sign an agreement, you did not activate the card.
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u/GeneralSpecifics9925 4h ago
Generally, when people are concerned that accounts are being opened in their name, they want to solve the issue.
I don't know why you are the way you are.
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u/Bardown67 2d ago
I get it wasn’t you. But if that was me I certainly would be going to the branch to ensure nothing else is opened or has been in my name