Date Received: 2022-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Nordstrom FSB dba Nordstrom Credit had a consumer credit account in my name. After I left working at Nordstrom due to a medical condition ( substance use ) they held the account in my employee file and did not disclose that I had this debt nor write it off. Instead the debt was private and held in a manner that did not inform me of my rights to dispute the debt. What I had issues with was the amount of debt that I owed. I had worked like heck to get this debt paid off and owed around {$350.00} USD to Nordstrom but following a relapse this debt went to an automatically calculated sum of {$900.00} + dollars in which they sent me a notice regarding the amount I owed. Following this not one correspondence was sent to me in regards to this debt being owed. In fact, I went to work for them again at Nordstrom Rack and even then they did not bother me in regards to collecting this debt nor inform me of my rights. This debt was paid recently in full and they have not updated my XXXX in regards to this debt being paid in full, the history of my debt was not on my XXXX, and the account status is not on my XXXX and it's as if it never existed. In fact, when I paid the debt they didn't even send me an account paid in full notice.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone applied for a credit card in my name, received a declined letter from Target. how did they get the information to apply, has this happened before. Were not helpful at customer service, rude.
Company Response:
State: MT
Zip: 59105
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I noticed a payment debited from my checking account for the full Balance owed on my credit card XXXX. I spoke to them explaining how complicated their website is to make payments and that wasn't my intentions. I spoke to a supervisor and they said in 10 days they would credit my account back XXXX dollars and place the balance back on my card. I asked if I needed to call back to do this and they said no they made a note of it and it would be taken care of. By XX/XX/XXXX this did not happen I called back and they had no record of this arrangement.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I have an account with TD BANK aka Nordstrom Card Services. They reported my account as overdue past 30 days XX/XX/2020 to my credit file and my credit score dropped XXXX points. Due to the XXXX epidemic, I was very XXXX, I was XXXX I have never had a late payment with Nordstrom. I called and asked to be enrolled into a covid program and the representative assured me I would. In light of being XXXX, I still attempted to make a payment, I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from the XXXX received a notice on my credit monitoring that my XXXX, XXXX, & XXXX score had plummeted XXXX points. I had EXCELLENT credit and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 6 year cardholder with exceptional payment history. I am so incredibly frustrated Please help me with this situation. Thank you.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022, my TD credit card was hacked. Someone made a fraudulent transaction for {$2300.00} to XXXX XXXX. I notified TD bank and filed a dispute for this charge. On XX/XX/2022, I received a credit on my new TD credit card for {$2300.00}. It was then reapplied saying that I affirmed the transaction. I have written and called TD bank several times with no resolution. I did not make this transaction. Fraud Hotline # XXXX My case number is XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made payments to bogus accounts thinking they were legitimate. My emails were compromised and I received what I thought were legitimate vendors changing their ACH info. The vendors they chose have been long-time suppliers, 30 years for one, 20 for another, and 5 or 6 years on the 3rd. The scammers duplicated their statements and used names of people that I have been dealing with for YEARS. They duplicated their logos, and their email signatures to be exact replicas. I had absolutely no reason to question it. Even the email addresses appeared real, until we noticed afterwards, upon " reply '' one letter was swapped. We realized we were scammed when the last ACH was flagged by a receiving bank and returned to us. When we started to investigate we realized the other payments were compromised. I spoke to the receiving banks and they told me at the time there were funds in the accounts, couldn't tell me how much, but said if my bank, TD, sent a hold-harmless letter they could return what was available. TD sat on that for over a week and by then there was nothing left. When I set up the ACH info on my TD bank website it asks for business name, routing number and account number. One of the receiving banks told me the money went to an individual 's account, not the business name I included in the ACH set-up, even though it was bogus. Why this is allowed, I have no idea. It is akin to someone cashing a check made out to someone else. I feel BOTH my bank, TD, and the receiving banks are complicit in this because they allowed they didn't match all 3 criteria.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX, XXXX date of letter XX/XX/22, I received a letter from Target indicating that my credit card application was denied because I had a credit freeze in effect ( I do. ) I DO NOT Have a Target credit card nor did I apply for one- someone DID APPLY in my name. XXXX XXXX notified XX/XX/22 of data breach XXXX. of my name and social. Prior identity theft detected by XXXX XXXX XXXXXXXX XX/XX/22 and and was notified XX/XX/22. XX/XX/22 Requested credit freeze fraud alert to 3 bureaus and Fraud alert to FTC XX/XX/22. Called Target XX/XX/22 Application ID : XXXX. Target confirmed the identity theft has my name, address, home phone number, social security number. Fraud indicated on my driver 's license and an email account. Target advised reporting to FTC which I tried to do and was directed to this site.
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and TD Bank/ Target. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am filing this grievance as Im at my wits end with communicating with TD BANK US HOLDING COMPANY. This complaint stems from issues with the TD Bank website. As with all my credit tradelines, I set up auto pay for my account to ensure the payment obligation is met monthly. However, unbeknownst to me, the auto pay did not save within their system. When I reached out to TD Bank once I was alerted of the missed payment ( as in my mind I was setup on auto pay ), I was advised I am not enrolled in auto pay & that I should have received an email advising the auto pay set up. How is one to know that as I am not employed by TD Bank to know the confirmation process? It is my experience given the digital age were in that when there are errors it wont allow you to proceed yet there were no alerts in RED or otherwise to advise the entry was set up incorrectly. I take great pride with my credit obligations, hence the auto pay, and have never experienced the lack of customer service or accountability that I have had with TD Bank, which resulted in the closing of the account. I would like the XX/XX/2022 XXXX-day late hit removed from XXXX, XXXX and XXXX due to erroneous and inefficiency with TD Banks website & their alerts. Being in an industry of proving a service to customer, this experience has been a lack thereof. Hopefully this wrong can be made right. Thank you for your time and consideration.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. Please I hope you can help.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A