Date Received: 2022-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you NORDSTROM XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX XXXX dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of NORDSTROM XXXX ACCOUNT NUMBER-XXXX in the amount of {$300.00} I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds XXXX to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281. Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30. Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights. ( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I applied for and was granted a six-year term loan from TD Auto Finance for buying a used XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX in XXXX, Maine on XX/XX/XXXX. At the time of the agreement, the auto dealership helped me set up automatic debits from my business checking account at XXXX XXXX Bank in XXXX, Maine through " XXXX XXXX XXXX ''. For the next nearly six years, the agreed upon amount of money was regularly deducted, without interruption ( NO missed payments ) from my account until the loan was paid off IN FULL on XX/XX/XXXX. As a result, I received a letter from TD Auto Finance congratulating me for paying off the entire loan, and the original State of Maine " Certificate of Title '', with acknowledgment that it was now a completely " lien-free '' title. Naturally, I was relieved to have paid off the loan completely, knowing I free from the financial burden of having to make payments and was now the sole legal owner of my truck. I thought everything was fine until approximately a month later I found one day that my business bank account had been over-drafted and that I didn't have enough money to pay for a due credit card bill, which led to a late payment penalty fee. I also didn't have enough money in my account to renew the XXXX XXXX XXXX XXXX XXXX '' status for my XXXX business, which led to another late payment penalty fee. Wondering how the balance in my account could have dipped below {$0.00} without my knowledge, I began looking at my bank account statements. That's when I discovered that, in spite of my having fully paid off the loan to TD Auto Finance more than a month earlier, {$230.00} was continuing to be debited from my bank account every two weeks. I was extremely surprised and confused! I thought surely there must simply have been a technological or clerical error on the part of TD Auto Finance to continue receiving auto loan payments from me, knowing I no longer owed them any money. Consequently, I began what has ultimately turned out to be an extremely time-consuming and frustrating experience trying to stop money from wrongly being withdrawn from my account and also trying to receive reimbursement for all the unauthorized withdrawals. I've made numerous phone calls and have visited both the local branch of TD Bank and XXXX XXXX Bank in person several times each. I've had to proactively authorize a " Stop Payment '' order for " XXXX XXXX XXXX '' withdrawals from my account, an action which incurred a {$35.00} fee from my bank, and I've also had to proactively authorize " XXXX XXXX XXXX '' to stop withdrawing payments and close the account. Although I have FINALLY received reimbursement for the altogether {$1200.00} that was taken from my account after the original loan was completely paid off, I have been unfairly harmed by how these wrong withdrawals have affected me financially. Not only have they led to costly late payment fees, overdraft fees, and a stop payment fee, but because I was left without enough money to pay what I owed to others on time, my credit score has been ultimately lowered as a result. What I have been met with from TD Auto Finance is what I can only characterize as indifference, apathy, and a complete unwillingness to accept any responsibility for the financial harmed I've endured. I have spoken with numerous regular and senior level customer service agents at TD Auto Finance and none have offered any kind of restitution. What's happened to me should never be allowed to happen to anyone. I paid TD Auto Finance always on time over the entire term of my loan until it was fully paid off, and this included over {$4000.00} in interest altogether. I think it's absolutely wrong that TD Auto Finance or any lending institution should be able to treat customers in this way and offer no compensation for the very clear and direct harm it has caused. Not only is it unethical, I think it should be illegal.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}. Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order. When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order. The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX. I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing. These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter. Thank you, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I bought a vehicle from XXXX XXXX of XXXX in XX/XX/2022. I applied for my own loan with my bank. The dealership obtained another loan which I did not authorize from their preferred lender TD Auto Finance. XX/XX/2022 I have been paying my loan through XXXX XXXX XXXX when I received multiple calls from TD Auto Finance demanding payment .I received an invoice from TD bank as well with late charges. XX/XX/2022 I ve reached out to the dealership -salesman XXXX XXXX and Finance Manager XXXX XXXX who have not returned calls. I drove to the dealership to request they cancel the fraudulent loan but they said they would call me back just wait. I called TD Auto finance to let them know I did not authorize the loan spoke a XXXX who says they need to hear from the dealership.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I need a payment history showing a running balance and payments made from when I opened the account until now. I paid this account off in XX/XX/XXXX in the amount of XXXX and there is a balance and now fees due. I need a running balance history with payments to resolve this. Plus they have not followed any of the Reg F guidelines on my account. I have been working with them since XXXX of XXXX and getting no where. I feel like I need an attorney or small claims court. Just provide me with the running daily balance and payments I made to verify this amount owed.If it's mine I will pay it asap
Company Response:
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
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 made. Return And made a payment After the return went through I shoud have {$20.00} credit balance Now they keep sending me statement and XXXX me for payment I spoke with channel at dispute XXXX XXXX For 2 hour and she check my account activity from XXXX of XXXX and she found out that I was right she lefts note for a correction Target is a very crock company No one knows anything they have lots of loop holes there is not a one designated department Today XXXX called the corporate office after they waisted my time they couldnt help me Then at XXXX pm XXXX got a phone call from target XXXX she was very rude and was attacking me wouldnt allow me to speak she kept interrupt me cutting me off so I hang up the phone on her Target knows what XXXX doing tgey programmed Their employee to be in helpful all of these attempt is for target to ripoff consumers My issue is not resolved I am barraged Toyed Target is a XXXX XXXX XXXX XXXX company Tgey refuse to fix their problem and want me to pay
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX i contacted target regarding fraudulent charges that had occurred on my Target sore card account. The fraud department assured me i will not be liable for said fraud charges and they will initiate an investigation. I asked in the meantime what will i do about the balance and the representative informed to do nothing until i receive a letter about the results of the investigation. Fast forward to XXXX i was alerted by XXXX that i have a XXXX late payment from Target store card. I was shocked because i did not receive any correspondence from target since i last spoke with them in XXXX. When i called the customer service number i was told the instigation was completed XX/XX/XXXX and i had a balance left on the card that became past due. I informed the representative that i never received any correspondence from target regarding the completion of the investigation nor did i received any alerts/Emails/Calls or letters that i had a balance due. They apologized and had the matter escalated to the rep who handled this case. I was told the XXXX late report would be removed but no such thing has happened. My credit score has dropped by XXXX and im in the middle of purchasing a home.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, my wallet was stolen while I was at an ice cream shop at the corner of XXXX and XXXX XXXX in XXXX, New York. Within an hour I noticed that two unauthorized charges to the tune of {$400.00} had been made to my account. I immediately reported it to my bank, TD, who told me to file a police report. I filed the police report within an hour of being off the phone with TD. On XX/XX/XXXX, I went to a TD branch to obtain a new debit card and also informed them about my issue. I told them about the steps I undertook to correct the issue, and they said it should be resolved without issue. On XX/XX/XXXX, the dispute was denied, stating that " the card was not utilized under after you notified us to close the card '', which is patently incorrect - The {$400.00} of unauthorized charges shows that. I called TD as soon as I received this letter on XX/XX/XXXX, to which no one would help me further other than to re-file the report. The fact that I followed all of the bank 's steps and am still out {$400.00} is ridiculous and shows they took no effort to investigate the claim.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My Target MasterCard credit limit was decreased by {$2500.00}. The card company stated that it was sue to lack of length of credit established ( 11 years ), percent of accounts with severe delinquency ( I have none ), Too many delinquent accounts in 6 months ( there have been none delinquent ), insufficient use of card, I have been using this card for the past 2 years. I did miss my XX/XX/XXXX payment and upon realizing it I immediately made the payment. The same day that I made the payment this is what the company did. This caused my credit score to drop XXXX points and has caused major stress on my financial future. After reviewing my credit report, I have found the statements for their actions incorrect. Upon calling the company, I was told that a dispute would be filed, and I would get an answer within 30 days. I do not feel that this is acceptable, nor do I feel that I was treated with dignity for accidently missing ONE payment!
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have new and updated information. NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account. My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it. I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent. NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities. I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A