Only in one case could what he told you happen: when TD do the credit check on you, they mixed you up with someone else. This is highly unlikely though, as both the name and the SIN number should match. If that is the case, TD is obligated to disconnect your card to the credit profile of that person. I can't see them refuse to do that, as the other person can sue TD if he finds out. In summary, TD should apologize to you and let you keep the card.

what Rounder said could most likely be the reason, perticularly, when you applied for Visa, you did not have your sin number ready. In addition, lots of Chinese name in English (Ping Ying) are similar, or exactly the same. Therefore, when TD checked the Bureau report, they hit the wrong person who has a acceptable record. Then, you got your card based on others credit. However, since you sign the credit agreement with TD, you are the actual holder of Visa which means you are liable to your debts. So, if your payment is delinquent, maybe you ruin other's credit, but legally, you cannot walk away with your debt--you have the legal responsibility to pay them back. Please do not mess around. Hope this helps.