Date Received: 2021-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, B, AND A that NORDSTROM/TD BANK USA , XXXX XXXX and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ) Thank you,
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Disputing Erroneous Credit Reporting by Target Credit Card late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was approved for a Target Credit Card for a second time. The new Target account ends in XXXX, in making payments for those months I used my Bill Pay from my XXXX Account and did not realize it was the old closed Target account ending XXXX. I made the payments to that account in error but was not informed or received notification. The Bill Pay payments were cancelled on their end and were not used for the new open account. When I called to inform of the issue, the Target Representative stated that there is nothing she can do and gave me an address to send dispute in writing. I asked to speak to a supervisor and representative again gave me the run around, made me hold for over 30 mins and Supervisor did not give me a chance to explained and refused to help me resolve the late issue. I asked to speak to her Supervisor and she said she does not have one and will not be able to help me. I'm dumbfounded that Target would treat me this way and would not provide any help to my issue. Customer services was aggressive and not helpful at all, with no information to provide me.
Company Response:
State: CA
Zip: 94030
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello my name is XXXX XXXX. On XX/XX/XXXX I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the CFPB regarding the investigation process and how XXXX and XXXX did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. In the letters i clearly noted that i was severely affected and my information stolen during the target and the XXXX data breach i am seeking the help of the CFPB. Target also sent me a letter on XX/XX/XXXX that they were respecting my right to dispute within the 30 days of notice and I sent them a responding letter back on XX/XX/XXXX providing evidence from XXXX of this inaccurate debt and I then received a letter two weeks later dated XX/XX/XXXX stating that they were closing the investigation and had not received any information violating my rights to uphold for the whole 30 days. Through this whole process they have failed to give me proper evidence of the validation of the debt and used deceptive tactics and failed to provide verification that I was the one that sought out the debt to being with and i want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened an account with TD Bank. I was enticed by their advertised promotion that offered {$300.00} for opening a checking account and having one direct deposit of at least {$2500.00}, and {$200.00} for also opening a savings account and depositing {$20000.00}. The terms stipulated this would be credited to my account after 140 days. After not receiving the bonus after 140 days, I followed up via TD 's online inbox system on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I also exchanged several phone calls with TD, on XX/XX/XXXX, XX/XX/XXXX. They are denying the bonus because " the checking account does not qualify because the Customer earned a bonus on a previous account. Account xxxxxxxxxx earned a {$300.00} bonus on XX/XX/XXXX '' ; " A review of our records indicates that you have held checking /savings accounts with us in the past. Where this online promotion is for customers who are new to the bank, you would not be eligible to receive the benefit. '' The qualifications they are using are those as written *today* ( XXXX XXXX XXXX ), not at the time of account signup. The new terms state " Checking offer is not available to existing TD Bank checking Customers, prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months or Customers who received a bonus on a previous checking account at any time. '' which I agree would in fact disqualify me. However, the terms of the promotion when I opened the account on XX/XX/XXXX specifically allowed for older customers to qualify, as long as they had not had an account in the prior 12 months. The exact language was " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. I also confirmed this verbally ( that I would qualify ) with TD phone support on XX/XX/XXXX before opening the account. I've attached a copy of the XX/XX/XXXX terms. They can also be viewed on the Internet Archive which took a snapshot of the page on XX/XX/XXXX, XXXX which can be viewed here : XXXX XXXX XXXXXXXX : XXXX
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I made a wire transfer from my XXXX TD bank account to family 's TD bank in XXXX on XX/XX/XXXX. My bank has sent the funds out. I was contacted on XX/XX/XXXX to provide more information, place of birth, place of citizenship and place or current residency which was sent to intermediate bank. But they have not transfered to funds or communicated in any way until now XX/XX/XXXX. They do not reply back to emails my bank is sending them. I need my immediately this is causing alot of damages, financially and otherwise.
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXXdollars were deposited on my account via ATM. I do have a receipt for the deposit. Bank didn't deposit my account. I reached out to the customer representative multiple times but no solution. I have received a letter on XXXX stating my claim has been denied.
Company Response:
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello. I'm not sure I picked the right choices for why I am filing this complaint but I wanted to file it anyways. Please forgive me if I picked the wrong reasons. If I need to I will file another one with the appropriate choices. What I really need is your help. I am being robbed by a furniture store as well as by TD Bank. Back in XXXX of XXXX, I went to XXXX XXXX to purchase some furniture. I bought several pieces and financed over {$5000.00}. I was happy with my purchase and thought everything was fine until things I've never even heard of in my life happened. The furniture was never delivered to me. I'm going trough all the documents I've been provided by the creditor and the store, the police reports filed, and my recollection of events, and nothing makes sense. What is occurring sounds so ridiculous that even I can't believe it had it not been myself who is going through this. Hopefully I can describe this in a way you can understand what is going on and why I need your help. Honestly I'm one more letter away from hiring a lawyer to help me fight this and sue Mor and TD Bank for the thieves that they are. As I was stating earlier, on XXXX of XXXX I purchased some furniture from XXXX. XXXX advised me it would take some time for them to deliver the pieces to me because they didn't have everything in stock and they had to wait for it to arrive from the manufacturer. I waited and I waited, but it didn't arrive. When XXXX came around I received a call asking about my first payment. I had let whoever called me know that I still hadn't received the furniture yet but I was told I still had to make a payment. If I didn't, I would be sent to collections and my credit would be ruined. I made the payments because I felt like I had no other choice. When XXXX came, I still hadn't received my furniture. What happens next is the absolute worst experience I've ever had in my life. On XX/XX/XXXX I ended up leaving on a trip to XXXX XXXX and I was going to be going for the rest of the week as well as the weekend. What seems to be like magic now is that the very same day I get a call from XXXX saying they are going to deliver the furniture. I advised them not to because I was not at home and I couldn't take possession of the furniture. I let them know I would call them when I was back in town so they could then deliver it. XXXX didn't listen. Unfortunately, I had to learn the hard way that they didn't listen and that they were delivering the furniture the next day when I wasn't there. The way I found out is because the house I was living at during the time was my father 's investment property. The neighbors ended up calling my father to tell them there was a truck with individuals taking furniture from the property. This is where things start to get very convoluted. More so because when I'm looking at the documents provided to me by TD Bank and XXXX XXXX regarding this account, none of it makes sense at all. Once I received the call from my father telling me what was going on, I had to rush back home to try and figure out what was happening. When I get home, my house is wide open and almost ALL my belongings are gone from my house. The furniture, appliances, personal belongings, everything. I file a police report immediately but that didn't seem to help with anything. Sounds crazy right? It gets even worse. Not only am I possession less now, but XXXX XXXX claims they delivered the property and I had to pay for it. I try for months to fight them because I never received my property and I had a police report to prove I wasn't even home for a delivery but they kept insisting that they delivered it and I had to pay or I would be sent to collections. For a few months I do pay because I don't know what else to do, but I do eventually give up. It isn't just or fair that I had to pay for something I never received or that they delivered to " someone '' but who isn't me. For years I try and dispute this account with the credit bureaus, XXXX, and TD Bank, but it gets me nowhere. Finally I get in contact with a company that helps people with their credit this year. They advised I do a fraud report and and ID theft affidavit. I let the company know I already filed a police report on this but never did an ID Theft affidavit. I filled one out, notarized it, and submitted to everyone involved with this account. XXXX XXXX, XXXX / XXXX XXXX /TD Bank , and even the credit bureaus. Just recently I receive a letter from TD Bank dated XX/XX/XXXX where they denied the fraud. They listed several key points as to why they denied the fraud but I think it's a very weak investigation and their reasons are foolish and shows how lazy they were in investigating this fraud claim. The first reason they give is because they say " the merchant provided a signed sales receipt and/or delivery confirmation, copies enclosed for my records. '' Well of course they provided those. I did say I purchased the furniture and I signed the purchase receipt. That is not in contention. It's the other part that really worries me and why I am very close to hiring an attorney to sue XXXX as well as TD Bank. The delivery receipt is dated XX/XX/XXXX. That is two days after I purchased the furniture. However, the signature on the delivery isn't even a signature. It's two initials which say XXXX. I am not XXXX, my initials are not XXXX, I have no relative with the initials of XXXX, and I've never had anyone living with me with the initials of XXXX. In fact, in their own merchant copy of the sales order they provided me, they have my signature as well as sections on it which have my written initials. My initials are XXXX. and they are written completely different than their delivery receipts which have XXXX written on them. Could they not see this when they decided to provide me these documents as their so called proof? It gets even worse! in one of those documents where the XXXX is written on the document, they have pictures of a room with the furniture installed. Those are not pictures of my house. Where did they take those pictures at? Who did they deliver this furniture to? If this is not proof of a heist or a conspiracy against me then I don't know what is. The second point of contention TD Bank is that " account history indicates prior acknowledgment of the account. '' Again, how lazy can you be? Of course I acknowledged the account ... As I stated many times, I did go to the store and I did place a purchase order for these items. That is not in contention and that is besides the point. The point is I never took delivery of these items. Why am I being charged for items I never received? What does my acknowledgment of having purchased the items have anything to do with this fraud claim? The final point of contention by TD Bank and why they denied this fraud claim is that " payments were being made on the account from XX/XX/XXXX until XX/XX/XXXX. I suppose that is my mistake. Because I was not well versed with how things worked back then, I was placed under heavy duress from Mor Furniture and TD Bank to pay for this because I didn't want my credit to be ruined and I didn't want any trouble. Looking back I know that was foolish because my credit was ruined anyways. All I can say is I was scared, and restate I wasn't quite as versed as I am now in how things are supposed to work. I understand these are serious allegations against TD Bank and XXXX XXXX, but what they have done to me is far more serious. Now that I have finished writing this, I am certain I will file a lawsuit against XXXX and TD Bank if they don't remove this from my credit report at once. I should not have to pay for furniture I never received, or was stolen from me, or from what their own documentation seems to suggest, was delivered to someone else and was fraudulently stated it was delivered to me.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: In response to my third complaint # XXXX, Nordstrom Visa said that they had concluded their investigation. However, after consulting with a legal website, said investigation seems to be in violation of the Fair Credit Reporting Act since Nordstrom Visa did not conduct a reasonable investigation and was either careless and/or deceptive in its process. The Nordstrom Visa Dispute Department, as any other dispute department on any major credit card company, is supposed to protect the consumer with a promise of having " the right not to pay the remaining amount due on the purchase '' if you are dissatisfied. During the months going back and forth with the Nordstrom Visa Dispute Department, the emphasis on behalf of the Nordstrom Visa Dispute Department seemed to be on making sure that the merchant, Caregivers, received ample opportunities to respond to the dispute and not on enforcing the terms of the credit card agreement that both Nordstrom Visa and I entered when I accepted to activate their credit card. In fact, when I first issued the dispute with Nordstrom Visa, the Nordstrom Visa Dispute Department notified me via mail that they had sent me a letter with the merchant 's response. However, I found out later from a Nordstrom Visa Supervisor that said letter with the merchants response did not exist simply because Caregivers chose not to respond to the dispute in the allotted time as per their own credit card agreement. Moreover, with other major credit cards such as XXXX XXXX, for example, the simple fact that the merchant chooses not to respond to the dispute on the given allotted time means that the dispute department automatically sides with the consumer. But obviously, the fact that I keep addressing this dispute and how badly it has been handled by the Nordstrom Visa Dispute Department proves that the Nordstrom Visa Dispute Department does not fulfill what it is stated in its own credit card agreement or its commitment to the consumer in regards to consumer rights. Again, if a consumer is dissatisfied with a credit card purchase, Nordstrom Visas credit card agreement gives that consumer a method to dispute said transaction. And if the merchant chooses not to respond to the dispute on time, Nordstrom Visa then would have to side with the consumer. Nowhere does the credit card agreement stipulate that Nordstrom Visa will give the merchant ample opportunity to finally get around to responding to the dispute to simply then side with the merchant without even reading the dozens of pages sent as proof of the dispute by the consumer. Finally, the balance of the disputed charges was supposed to be {$8100.00} and not what it shows on the Nordstrom Visa Dispute Departments response. Again, all I ask from the Nordstrom Visa Dispute Department is to abide by its own credit card agreement and side with the consumer, who has every right to be dissatisfied with a merchant, whose dispute should have been solved the moment the merchant chose not to respond in a timely fashion. Otherwise, why give the consumer the option to dispute?
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. XXXX XXXX XXXX violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX ), and was told there was money being stolen out of my account through XXXX on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A