Date Received: 2022-02-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The NORDSTROM with account number XXXX appears to be a charge-off account with a specific balance of {$2300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I contacted Nordstrom Credit Card Services via USPS Priority Mail # XXXX My purpose of contacting the company was to properly address their violation of FCRA 15 USC 1681a 2Ai Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Company : TD Bank Claim : Fraud Amount : {$300.00} On XX/XX/XXXX, I contacted TD through secured messaging about a {$300.00} checking promotional offer I signed up for earlier in XXXX that wasn't paid but for which I was eligible and later qualified through required activities, according to the terms of the attached screenshots I captured during account opening. After a few emailed responses, I received the final on XX/XX/XXXX, which claims the terms on record for the promotion don't match the terms that were advertised when I signed up for the promo. My offer is eligible for customers without a checking account in the past 12 months. TD claims the offer was eligible to customers who have never had a checking account. TD confirmed I last closed a checking account in XXXX. The small print is clear that " within the preceding 12 months '' is the threshold for the offer running XXXX XXXX, and my last account was over 36 months prior. I asked customer service if it could offer an email address that could accept file attachment ( screenshots of TD 's offer at the time ) and escalate this concern. They declined to provide one. After searching online, I found TD 's primary complaint department email address and sent it my screenshots file in late XXXX, asking them to read the file and determine why the promotion was not paid. I was promptly redirected from its XXXX offices to its US offices, sending the same email and attachment on XX/XX/XXXX. There's been no response for over three weeks except to initially say they're very busy. I'm alleging fraud because though TD typically runs an offer that's eligible only to those who have never had an account. This offer was unique. Had I not been eligible I would not have opened the account. Later, had TD acknowledged an error in the offer terms, I wouldn't think it were an intentional misstatement ( and I wouldn't need to file this complaint ). However, due to the initial denial and subsequent silence despite visual timestamped proof, it seems an intentional action.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out recently on today 's date XX/XX/22 in reporting identity theft on my credit from TD bank of an Indenifty theft impersonator that had opened a credit card and account using my name to do so, I did talk with TD banks customer care fraud department representative to resolve the matter personally as I haven't opened a credit card with them in person or online. Did not give me a clear date when the issue with my credit identity fraud would be resolved just that it will be reported. Also in note i only use one bank debit card from XXXX bank as my only and current card for any financial deposits and withdrawals What was recevived by me by mail today was a credit overdraft statement from td bank Amount due back to TD bank still was XXXX beginning balance was XXXX desposits XXXX electronic deposits XXXX other withdrawals XXXX service charges XXXX ending balance was XXXX
Company Response:
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I hold an XXXX XXXX XXXX card which issued by TD Bank , N.A . The card had a feature that included a deferred interest period on purchases. However, unlike other cards with similar deferred interest feature, TD Bank does not provide a clear indication that a promotional payment is due to avoid deferred interest charges. I have set my payments up to pay the balance due each month. A deferred interest period expired as of XX/XX//2022, and the outstanding balance due was not withdrawn automatically. Instead, the regular monthly payment was withdrawn from my checking account, and deferred interest of {$1100.00} was added to my outstanding account balance. When I called in XXXX after I received the next monthly statement, I was told that the notice of the expiration of the promotional balance was noted on my statement. The statement and program is unfair, deceptive and misleading and the expiration of the deferred interest promotion is buried in the statement. On my XXXXXXXX XXXX card, which is issued by XXXXXXXX XXXX, the expiring deferred interest promotion is clearly indicated next to the payment information, in bold red font. This bold red print is the top third of the statement, next to the payment information, so I don't have to read the entire six page statement in order to understand that a promotional period is expiring. When I called and offered to make the payment, explaining that I thought any amount due would be drawn along with any other amount due, I was told that is not the case. I asked for an abatement in interest if I paid in full, and was denied that opportunity. I was told that my account is set up for payments of {$150.00} per month, which is also not the case. The automatic draw is set up to pay the entire payment due each month. In short, I was told to read my six page statement ( front and back ) and figure it out myself. This is not the service that I expect from TD Bank, but is more representative of a payday lender. I would appreciate your assistance in order to 1 ) reverse the interest assessed for missing the expiration of the promotional period due to lack of notice/and clear statement messaging, and 2 ) assess the confusing payment system as a mitigating factor. Again, TD argued I set it up to pay {$150.00} per month but I set the auto-pay feature to pay the full amount due each month, which has consistently drawn my account for more than {$150.00}. I fully expected that any monthly draw would include any promotional balance due for the period based on how I set up the payment in THEIR system. My experience with the TD card rises to the level of deceptive and misleading with respect to the expiration of the promotional period, coupled with the complete lack of transparency in the automated payment system. If anything, these practices are designed to prevent consumers from paying promotional balances, especially compared to industry peer such as XXXX.
Company Response:
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
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: My account with the target credit card was never late. I have tried to reach out to target and the credit reporting agency with no luck.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/22, I received a letter from Target dated XX/XX/22 that an application for a credit card from their store was denied- I did not apply for a Target credit card. I called the number listed on the letter ( XXXX ) and gave them the application ID on the letter ( XXXX ). Their representative looked up the application and someone applied for a Target credit card online on XX/XX/22 using my name and address but using a different phone number, driver 's license, and email. The email address they used was XXXX, the last XXXX digits of their phone number listed was XXXX, and the last XXXX digits of their driver 's license listed was XXXX. None of that is my information except they used my actual name and address. Target said they will put a fraud alert on this application and suggested I visit the identifytheft.gov website and follow the steps.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
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: My problem is with both TD Bank/Target Red Card Services and XXXX, Target had a charged off credit card account that I paid {$2700.00} on to settle before Covid hit in XX/XX/XXXX. They had already written this account off for {$15000.00} when they added a bunch of fees and interest. Non the less I paid it as requested, I had two payments of {$680.00} to pay when XXXX got me XXXX and almost XXXX me. When I got back on my feet and was able to actually pay down the charged off account to a {$0.00} balance/full settlement I had to start over with {$4000.00}, which I paid XXXX and finally the last {$1000.00} on XX/XX/XXXX. They sent me a paid off letter, same one they sent XXXX, which obviously interprets things differently because they left my balance as a {$12000.00} balance, which it isn't. My balance is {$0.00} and this account is settled in full. It should of been taken completely off my credit file as a negative item. This am I get an email showing my dispute to XXXX XXXX is wrong, still showing this as a negative item, even though it is supposed to be a {$0.00} balance. It never had a {$12000.00} balance, because I paid {$1000.00} on XX/XX/XXXX, then {$2000.00} on XX/XX/XXXX, then another {$1000.00} on XX/XX/XXXX where it was settled per Target Red Cards agreement, The numbers that were written off shouldn't be showing as a balance still, but it does on XXXX so I disputed it again with the {$0.00} balance letter I received from Target on XX/XX/XXXX. So this afternoon i got an email alert from XXXX ( a service i pay for ) saying XXXX posted the wrong information to my account, like its a " bad '' thing I paid off a charged off account, which is wrong! It violates the letter of the law of the FCRA of XXXX with accuracy mistakes and fairness. Some " XXXX ' from a third world country, who was laughing at me, while going through the verification process again. This time I got heated because they were just playing games with me, a clear violation of Fair Reporting of information on my file. I'm writing in because I have spent 6 months working on my credit files with the three major reporting agencies, fix one item, another error such as this comes from a positive? How is that. Because XXXX, nor any of the Creditors is held to Fair or Accurate Reporting of my information on my file on line. I have proof I settled this to {$0.00}, TD Bank/Target Red Card Services Representatives sent me a " Congratulations Your Red card Balance now has a zero balance '' letter, but XXXX XXXX it up and turned a positive situation into a negative. I want this NEGATIVE INFORMATION removed immediately because it's not factual and it's vindictive. The next complaint i make will be with XXXX XXXX, State Attorney in Florida, where i live and where this business was conducted with these creditors/credit reporting agencies, etc. I will seek damages.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
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: XXXX # XXXX for an order of 2 XXXX watches was delivered to XXXX, NH, associated with XXXX # XXXX. 12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX. XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation. XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing. XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute. They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package. Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.
Company Response:
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A