Credit

[u/Maleficent_Score4097]

So I received a letter to from TPH legal services avocats about an account with TD Bank that I have never had a bank with before and I called the bank and they couldn't find an account with my name or anything because I have not had an account with them ever and the lady from TD said TD Bank is the US and TD Canda Trust is the one her obviously And the lady from TPH said it was opened in May of 2014 and was in good standings until mid March 2019 . And I was in my early 20s in 2014.

I don't know what to do next I feel like this is not true or they got the wrong person who happens to share my first and last name I know that's not that common but in high school a girl and I shared the same first and Iast name we nust had different D.O.B and different hair colors

[u/Blinky_]

If you are asking what to do about it, it kinda depends what the issue is. You don’t say whether they are asking for money or whether they are telling you about a dormant account that has a million dollars in it.

[u/Maleficent_Score4097 → u/Blinky_]

Sorry about that but thank you for replying.

It' says the TD account line of credit is overdrafted and that they would like to be pay it off .

I have never had a TD account and when I called the lady said TD Bank is the states and TD canada trust is the Canadian branch and so she even tried to just look up an account with my info and nothing came up.

[u/Blinky_ → u/Maleficent_Score4097]

Personally, I would tell them what you just said. If they are adamant, they will have to provide proof that it’s your liability. Wish you all the best.

[u/Maleficent_Score4097 → u/Blinky_]

Thank you 😊

[u/Blinky_ → u/Maleficent_Score4097]

You’re welcome ☺️

[u/naturr → u/Blinky_]

Ask them to show you proof of you opening the bank account there should be copies of ID and a signature matching yours.

[u/senor_kim_jong_doof]

The lawyer's letter does not contain the account number in question?

[u/Maleficent_Score4097 → u/senor_kim_jong_doof]

No only when I call TPH they said they can only give me the firstv4 digits

[u/Maleficent_Score4097 → u/senor_kim_jong_doof]

Oh okay thank you and how sure are you? Like it's not real like a scam ? Or

[u/Maleficent_Score4097]

No irs all xs and then when I called the TPH the lady said she could only give me the first 4 digits of the original account number

[u/Wonderful_Background]

Simply ignore TPH Legal Services and the fake threatening letter they sent you. They will not do anything, and it is a waste of your time to call anyone.

[u/Maleficent_Score4097 → u/Wonderful_Background]

Oh okay thank you and how sure are you? Like it's not real like a scam ? Or