Date Received: 2021-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Today I received an e-receipt from Nordstrom 's in XXXX, CA via my email. I will attach it. I was not shopping anywhere today and have been home in XXXX, CA. I called their store a few hours ago and they only made an incident report. XXXX. It should be reported to the fraud dept. It appears the card used is similar to mine. My ends in XXXX, and the e-receipts shows card ending in XXXX I. This seems suspicious and appears to be fraud.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA & {$3000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A check from XXXX XXXX on the amount of XXXX $ was deposited/cleared into my account on XXXX/XXXX/202. Following the confirmation from the bank manager, I took XXXX during the following days. On XX/XX/2020 the transaction was reversed and my account went XXXX reason was XXXX. TD Bank froze my account and collected the direct deposits of my SS and stimulus check that followed. I was left without any source of income for basic necessities and forced to borrow money from neighbors. I was not responsible for TDbank 's failure to communicate with me and other financial sources. I need to retrieve my SS/stimulus check that were used to cover the bank 's errors.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is a follow-up to CFPB complaint XXXX. I appear not to have communicated effectively with TD Autofinance. Per their response ( attached ), under the Fair Credit Reporting Act, they can not fail to report a late payment unless it is due to a bank error. But the account originally fell delinquent because of an error on the part of TD Autofinance that remains visible even in their literal response to my original CFPB complaint, attached. XXXX XXXX spells my name correctly in the heading of her response on the first page. Yet the automatically generated letter from TD Autofinance, an attached to its third page, shows a different spelling. This is the error on the part of TD Autofinance that caused the payment to bounce, still there for you to see. And it seems to evade the detection even of the TD Autofinance employees who, presumably, reviewed the original response document before sending it. In response, TD Autofinance seemed to think that at some point I entered incorrect payment information, causing the original payment to bounce. But the incorrect information that caused the payment to bounce came, and still comes, from TD Autofinance. At no point did I myself enter any incorrect information. Indeed, TD Autofinance still does not have my correct, legal name as the name on the account. The name they have is " XXXX XXXX XXXX XXXX '' rather than " XXXX XXXX XXXX, '' which is the name that appears on my passport ( attached ) and other legal documents, like bank account information. This strange error is why the original payment through autopay bounced. The account numbers used for every single transaction I have done with TD Autofinance, whether they have bounced ( causing this whole imbroglio ) or gone through, are the exact same. There is no problem with the numbers, just the name that TD Autofinance seems to have on record. TD Autofinance should be able to easily verify that with their records. They will see XXXX sets of transactions, and XXXX will have gone through successfully. But the account numbers will be the exact same. When the original payments have bounced, it was because TD 's erroneous record of my name caused the payment to bounce at the bank. There was no way to prevent this, given the original error. You can not even change the name on the account in TD Autofinance 's autopay portal ; only enter the account numbers. Accordingly, would literally have been impossible to prevent this scenario given the underlying error of name in TD Autofinance 's record ; no bank would ever be able to match the erroneous name to the correct account that matches my legal name. I can not see how this is not the type of bank error on TD Autofinance 's part that would allow TD Autofinance to not report the deliquency as part of the Fair Credit Reporting Act. To this day, when I have managed to pay, it has been through the one-time payment portal that does allow you to specify a different name than the one that is XXXX TD Autotrade 's file, which, to repeat is not my legal name. XXXX XXXX XXXX XXXX is the name that appears on a driver 's license that includes suffixes as part of legal names ; XXXX XXXX XXXX appears on my passport ; XXXX XXXX XXXX XXXX appears nowhere besides TD Autofinance 's records. I could figure this out when the account was already past due, because, again, TD Autofinance seems to have the incorrect name baked into its system -- including in the fields that you CAN NOT change when setting up Autopay, which only asks for account numbers. And, as I have mentioned, I never entered incorrect account numbers. TD Autofinance should be able to verify that easily with their own records. You will see a payment fail when the account numbers are right and XXXX XXXX XXXX incorrect name of record is used, but succeed when the same account numbers and the correct rather than TD Autofinance 's incorrect name is used ( which is literally impossible to do in XXXX XXXX 's Autopay ). Accordingly, this whole imbroglio seems to arise from TD Autofinance 's erroneous record of my legal name, and would seem to be the type of bank error that allows TD Autofinance to not report the delinquency under the FCRA. While I have tried to call the number listed on the original complaint XXXX and have left a message, I have yet to receive an answer. Hence I have written this complaint instead. But feel free to call at XXXX at your convenience.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have been a Nordstrom cardholder since XXXX or XXXX with excellent payment history. In late XXXX, I was financially impacted by the Covid Pandemic. I contacted Nordstrom Card services and requested a financial hardship. I was enrolled in the fixed payment program as requested. The payments were structured to a feasible amount, {$170.00} to be paid monthly. In addition, the card was closed, and interest rate was 0 % as part of the terms and conditions. I paid as agreed upon. Fast-forward to XX/XX/XXXX, I am unenrolled from the hardship program. I view my account online and note that I owe {$640.00} as a minimum payment due on XX/XX/XXXX as well as I incurred {$280.00} in interest charges. I contacted Nordstrom card services on ( 3 ) different occasions ( 2x on XX/XX/XXXX and 1x on XX/XX/XXXX ). I was advised that the program was only for a term of ( 1 ) year ( which was not disclosed ) and I would have to wait ( 6 ) months. Furthermore, no one could provide an explanation as to why I would the enrollment was only slated for ( 1 ) year. I explained that I am still experiencing the same financial hardship as last year and I cant afford to pay the debt obligation. However, I could continue to pay {$170.00}. No solutions were provided. I attempted to speak with their recovery department. I left a message and did not receive a call back. I asked to be transferred to the recovery department and was advised that because my account is not in charge off status, they will not speak with me. I was also advised by Nordstrom Card Services that I could call back when my account is ( 2 ) months past due. I am seeking hardship assistance with Nordstrom. I was enrolled in a hardship program that allowed me to pay the debt obligation and maintain a positive credit rating. Nordstrom Card Services is utilizing predatory tactics to squander funds out of consumers that are experiencing financial hardship, in oppose to offering solutions to assist. Nordstrom is charging an exorbitant amount of interest, fees, and waiting until the consumers credit report is adversely affected before allowing the consumer to seek hardship options and then will not remove any delinquencies ( when it could have been prevented ). I would like for a senior account manager/executive to review my account and enroll me in the fixed payment program.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a check book and a book from Td bank stating Ive opened an account and also open a checking account. I did not i dont bank with TD bank at all i dont know how has my information
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I did a mobile deposit for {$5000.00} cahier check on or about XXXX from my father. From that time TD Bank put my account on hold. I wasn't able to get any of my money from that account. I went several time to the bank and all they was saying the the check wasn't verify and something about fraud Then the manger stated that the check was verity. I still didn't hear anything on this situation. It's been about 2 months now.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My Target card payment is due on the XXXX of each month I paid the bill electronically on the XX/XX/2021 however the bank did not process the payment until the XXXX. So XXXX considered it a late payment and has since has charged me a late fee for XXXX for the month of XXXX and another late fee of XXXX for the month XXXX and now owe XXXX minimum due on an account I usually make {$40.00} payments on. I called Target card customer service on the XXXX after I discovered the issue and they advised that because there are many ways to pay the card that the due date is still the XXXX no matter the day it falls on The rep I spoke with advised me that this is in the terms however per the terms I reviewed it is not clearly stated : XXXX. PAYMENTS - We will send you a billing statement each month that your Account has a balance. Your billing statement will show the amount you owe us, which is called the New Balance, and the smallest amount you have agreed to pay us for that billing period, which is called the Minimum Payment Due. If any portion of the New Balance is delinquent, the statement will show the Amount Past Due. The statement will also tell you the Payment Due Date. The Minimum Payment Due each month will equal the greater of a ) {$29.00} ; or b ) the sum of the following : 1 % of your New Balance ( rounded to the next higher whole dollar amount ), any Interest Charges, any Returned Payment Fees, and any Late Payment Fees. We may round your Minimum Payment Due to the next higher whole dollar amount. If there is an Amount Past Due, we will also add that amount and include it in your Minimum Payment Due. If your New Balance is less than {$29.00}, the Minimum Payment Due will be the entire New Balance. Your minimum payments will be allocated in our discretion. Payments in excess of the minimum payment will be allocated in accordance with applicable law. You agree to pay us in United States dollars. If you pay by check, your check must be drawn on a depository institution located in the United States. If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. You may, at any time, pay XXXX XXXX XXXX XXXX ) the total amount owing on your Account. Payments are posted to your Account in a timely manner as required by law. However, we may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. At our option, we may obtain payment for any check or other instrument that you send to us by initiating an electronic ( including XXXX XXXX XXXX ) transfer from your depository institution account in the amount of your check or instrument. Your check or instrument will not be returned to you by us or by your depository institution. Your depository institution account may be debited as early as the same day we receive your payment. If we can not process the electronic transfer or if the electronic transfer is returned to us, we may present the original check or other instrument, a substitute check, draft or similar instrument to obtain payment. BALANCE COMPUTATION AND PAYING INTEREST CHARGES- We calculate a Daily Balance for your Account. We may maintain separate balances for your Purchases and special promotional Purchase balances ( each, a Balance Type ) and calculate a Daily Balance for each. To determine the Daily Balance for a Balance Type, each day we take the beginning balance for the Balance Type, add any new charges included in that Balance Type, and subtract any payments and credits applied to that Balance Type. We then multiply the resulting balance by the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the beginning balance of that Balance Type for the next day. Purchases are included in the Daily Balance as of the later of the transaction date or the first day of the billing period in which the Purchase is posted to the Account. Fees are included in the Daily Balance of Purchases when posted to the Account. We figure the Interest Charge on your Account for each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period, we will add up the daily Interest Charges on all Balance Types for each day in the billing period to get the total Interest Charge for the billing period. XXXX XXXX XXXX XXXX XXXX Interest Charges begin to accrue on Purchases as of the day the Purchase is included in the Daily Balance. However, if you paid the New Balance that was shown on your previous billing statement by the Payment Due Date on that statement, then ( XXXX ) we will not impose Interest Charges on Purchases during your current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement, and ( XXXX ) we will credit any payment ( to the extent the payment is applied toward Purchases ) as of the first day in your current billing period if you make a payment by the Payment Due Date that is less than the current billing periods New Balance. If a New Balance was shown on your previous billing statement and you did not pay the New Balance by the Payment Due Date on that statement, then we will not impose Interest Charges on any Purchases during the current billing period if you pay the New Balance shown on your current billing statement by the Payment Due Date on that statement. Please note that if your Account has a promotional balance, this may impact how we are required to apply your payments and whether you can take advantage of these terms regarding Interest Charges on Purchases. MINIMUM CHARGE FOR BILLING PERIOD - For any billing period in which an Interest Charge is imposed on your Account, there is a minimum interest charge of {$1.00}. XXXX. FEES - The following fees may be assessed on your Account. LATE PAYMENT FEE - You will pay a Late Payment Fee of {$29.00} when any amount due remains unpaid after your Payment Due Date. Any subsequent Late Payment Fees will be {$40.00} until you make your required Minimum Payment Due by the Payment Due Date for six consecutive billing periods. In any event, the Late Payment Fee will not be greater than your Minimum Payment Due for the billing period for which your payment was late. As of today the issue has not been resolved.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK USA/XXXX XXXX XXXX {$320.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A