Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Nordstrom is withholding several Credit card statements from me for an upcoming small claims lawsuit against them. The missing statements are as follows : XX/XX/2022, XX/XX/2022, and XX/XX/2022. Why are they hiding them?
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX TD bank USA on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My savings account reflected a withdrawal in the amount of {$3000.00} on XX/XX/XXXX at XXXX pm executed by XXXX XXXX XXXX. I was not at TD Bank at this time. After several attempts to resolve the above, I was told on XX/XX/XXXX that someone presented my actual card to the teller mentioned above and made the withdrawal. I informed them that my card was in my exclusive possession at all times up until XX/XX/XXXX and it is impossible for someone else to show up with my card and made this withdrawal. A complaint was submitted on XX/XX/XXXX with the bank 's internal fraud unit. I asked if I can see the surveillance footage for this transaction. I was told that the assigned investigator will contact me within 3-5 business day and he will determine whether I can see the footage. I asked what if him/her does not allow me to see the footage. I was told that then I will have to file a subpoena to see the footage. ( If this is the case, it will be difficult to believe this investigator, if I can not see the footage. I see no reason why I should have to pay to see this footage ). I do not trust TD Bank for the following reasons : 1 ) I can not comprehend the logic that someone showed up at the bank with my card for a withdrawal when my card was never missing and never left my possession ; 2 ) Without the opportunity to see the surveillance footage for this withdrawal at XXXX XXXX, this assigned investigator can tell me the same as what customer care said to me that I was at the bank and did the withdrawal at XXXX XXXX on XX/XX/XXXX. Nothing makes sense and I am now questioning whether there is anyone at TD bank who is capable to investigate this withdrawal and provide an accurate/honest report. Thank you.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent multiple letters and proof to Nordstrom Card Services that the transactions on my Nordstrom Debit Card were not mine. Disputed transactions : XXXX {$100.00} XXXX {$510.00} XX/XX/22 - {$360.00} XXXX {$44.00} I have written Nordstrom Card Services a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to XXXX XXXX to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with Nordstrom and how poorly and unprofessionally they have handled this case and how they have treated me. Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a inquiry on my Credit Report from a Nordstrom on XX/XX/2023. I am in the process of moving so it slip my mind until today when I received the credit card.
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When we bought a new home in XXXX all of our credit cards were paid off. In XXXX we were contacted by a law firm called XXXX XXXX XXXX informing us that we had an out standing balance with Target in the amount of {$7000.00}. At the time we re taking care an elderly parent and I wasn't working so I made arrangements to make payments of {$290.00} a month until paid off and never thought about it again. In XX/XX/XXXX I was contacted again by the same firm saying we owed Target XXXX and they would accept a settlement amount of {$10000.00}. I told them that the debt had been paid off and again I tried to make payment arrangements. I gave them {$5400.00} and agreed to pay {$1300.00} until paid off I made a payment in XXXX of {$1300.00} then I stopped payment in XXXX of any further payments. I received a letter today stating that I still owe {$14000.00}. This is getting ridiculous, they keep refiling the same renewal of judgement dated XX/XX/XXXXXXXX XXXX
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed of Cards opened through XXXX 's ( XXXX ), Norstrom ( XX/XX/ ), and Tagert ( XX/XX/XXXX XXXX The only charge I was sent a receipt for was Nordstrom with a charge of {$240.00} They were all used to make purchases in the XXXX area. Norstrom- XXXX XXXX OH Target- XXXX XXXX XXXX XXXX XXXX The individual has all of my personal information including my ss number, phone, address, email, and phone number. I have contacted all three and had the account closed.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/, I applied with XXXX XXXX XXXX XXXX XXXX for a new vehicle loan. There was 1 inquiry with XXXX XXXX XXXX XXXX On XX/XX/, I noticed 2 NEW inquiries from TD Auto Finance that were UNAUTHORIZED ; the dealership claims they can pull my credit without consent because my credit application is within 30-days. I did not authorize a new credit report to be pulled and they did so without consent and are giving me the runaround. This has negatively impacted my credit and XXXX XXXX has not done anything to resolve this issue. Again, there is no record of credit authorization on XX/XX/, only from the original 1 time inquiry on XXXX
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On Wednesday, XX/XX/, I received a notification via mail from Nordstrom, dated XX/XX/. This notification stated that they were attempting to collect a debt of {$3400.00}, which I was completely unaware of. I immediately reviewed the payment history on my account and saw that I paid the minimum balance in full on XX/XX/XXXX ( {$150.00} ) and then again on XX/XX/ ( {$470.00} ). I then reviewed the alert history on my Nordstrom account, my physical financial files, as well as my personal email and confirmed that between XX/XX/ and XX/XX/, I received no written or electronic notification that the account was past due other than this letter dated XX/XX/XXXXUpon reading the letter, it was clearly stated that Nordstrom was attempting to collect a debt. However, it was also clearly stated that I had until XX/XX/XXXX to dispute this debt and only then, if Nordstrom received no response, would they consider this debt valid. Nordstrom subsequently reported my account as delinquent to XXXX on XX/XX/, long before the XX/XX/XXXX dispute deadline, resulting in a XXXX point reduction in my credit score. Upon receiving this written notification, I called and spoke with a representative and was only then notified that my account was overdue. The representative informed me that accounts are reported as delinquent after 2 months. Upon reviewing my credit report, however, I noticed that the account had been reported as a 30 day delinquency prior to the 2 month past due mark. At this point, I had also already paid the total minimum payment of {$470.00} meaning the account was current. This again occurred long before the XX/XX/XXXX dispute date. Upon further review of the written notification, I also noticed that it did not include the minimum payment needed to make the account current. It only included the total balance on the card which is not the amount I actually owe nor the amount owed that was reported to XXXX. When I look at what was actually reported, I see that I owed an outstanding balance of {$310.00}. Neither this amount nor the equivalent amount owed as of XX/XX/XXXX were included in the written notice. It is incredibly confusing. I can not tell from the written notice the total amount I actually need to pay resolve the delinquency. I would like to dispute this debt and have the delinquent account removed from my credit record. Nordstrom did not clearly communicate that the account was past due in XXXX, XXXX, or in XXXX, and did not clearly indicate the total amount due to make the account current on the written notification. They also reported the account as delinquent prior to the dispute deadline. It is very clearly indicated that Nordstrom wouldnt consider this debt valid until after XX/XX/. Also, despite all of this, Nordstrom continued to allow me to use the card in XXXX, XXXX, and XXXX with no notification that the account was overdue or that they would be reporting the account as delinquent. Again, the total minimum balance on this account is currently paid in full and has been since XX/XX/. This was weeks before the XX/XX/XXXX dispute deadline. I will also, as of XX/XX/, have mailed a response to Nordstrom disputing the debt but again, they have already reported the delinquency and significantly lowered my credit score.
Company Response:
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nordstrom Card Services ( " Nordstrom '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, Nordstrom reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A