CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-05-05T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I initially filed a complaint against TD B ank, USA and debt collector attorney ‘s office XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX . for deceptive tactics to collect on bad debt.TD Bank USA responded stating that XXXX , XXXX , XXXX , XXXX XXXX XXXX was servicing the account. I was sued on this account an d TD Bank stated they wrote this account off. If this is true, they never sent me a XXXX to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account. It has already been determined in the letter that they charged the account off o n XXXX XXXX , 201 6 wh ich was in the response Case # XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm. If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud. Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply TD Bank ca n’t sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.

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State/Zip: TX 774XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2476478

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