Date Received: 2021-09-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We went to XXXX XXXX in Virginia in XXXX 2021.There was a makeup section having XXXX XXXX at Nordstrom and the representative who opened our account was XXXX and her email id is ( XXXX ) .She offered to open a credit card account without any proper disclosure.From that time they have started charging us immense Interest ( 25.90 % ) and they are charging it separately on first payment and total amount respectively.Today ( XXXX2021 ) we have cleared their bill which was XXXX .This is clear practice of Fraud, Bad business and misrepresentation causing us loss of money.We demand a serious action on it and cover our loss caused by this misrepresentation from their side and now they are saying that everything is mentioned in our disclaimer.
Company Response:
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
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: XXXX is showing a late payment on XX/XX/XXXX, from TD account last XXXX- so I complain to Td Bank, they were nice enough to write a letter on my behalf. The problem is XXXX wants TD Bank to send experian the letter. XXXX doesnt want a letter coming from me! So I contacted td bank, I asked them to please send a letter of correction to experian. They said they would only give me a letter, and that theyve already sent a letter of correction back in XXXX. I asked TD BANK if they could please resend it because XXXX will not correct it without you sending it.- but after 10 requests TD BANK STILL refuses to resend, and I have no proof to TD Bank ever did send the initial letter to XXXX. Im being caught in between XXXX and Td Bank XXXX TD Bank refuses to send letters to XXXX, XXXX refuses to except my letters from TD Bank. I spent over 100 calls, and 80 hours on this.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: i received an email asking how was the recent phone call //// but i didnt call nordstrom. i called them, telling them, that i did not call to close my account. it was not me. i am a victim of identity theft. i did not call to close my account
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never applied for a Nordstrom credit card and need this removed from my credit report immediately
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!
Company Response:
State: LA
Zip: 70605
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or about XX/XX/2021 someone stole {$800.00} ( XXXX and {$300.00} ) from my checking account using 2 separate ATM machines/locations. On XX/XX/XXXX ( a Saturday ) I noticed my account was emptied when I tried to check out at a store and a nominal amount would not go through. I quickly checked my account on my phone and saw these two ATM withdrawals that I DID NOT DO. It should be noted that I have never withdrawn funds from my account via ATM 's for the entire time, almost 5 years, I've been a customer of TD Bank. I only occasionally would get {$20.00} cash back from my grocery shopping. This is easily checked by them. I have NEVER given my card to anyone else to use. I called TD 's bank fraud hotline wherein they told me to follow up in person on Monday, which I did. I went in person to a TD Bank branch near me an reported this theft. They closed that card and gave me a new temporary card. The bank officer told me I'd need to file a police report and bring back a copy and she would submit it to their fraud department. I did that and emailed and hand delivered the police report on XX/XX/2021. XX/XX/XXXX I returned to the bank to inquire about my funds and theft and the bank officer said it was DENIED. She resubmitted the report of theft along with the police report. On XX/XX/XXXX I sent a follow up letter about this theft and the fact that they did not credit me my stolen funds. On XX/XX/XXXX I submitted another letter via email and hand delivered copies of my letter about this theft. I kept checking my account for the return of my stolen funds, They do not acknowledge my emails/ letters and treat me as a nuisance and a criminal when I go in person. I AM THE VICTIM. I am a student this was every cent I had. They still have not credited me back my stolen money nor did they do a genuine investigation. They refuse to bring up/obtain the videos of the thief who stole my money. They have no email nor any personnel listed for a fraud/theft department on line ; this is unethical. They have not credited me back my funds I was advised that this is a violation of Banking Regulation E and I have subsequently filed a complaint with the FDIC.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I WAS VICTIM OF ID THEFT!!
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I took several online surveys after making purchases at XXXX such as an XXXX XXXX XXXX phone. One agency cancelled a {$36.00} order, layer being able to take {$79.00} although I never made a purchase after the {$36.00} canceled order which came up XXXX items instead of one. Then XXXX took {$36.00} after I signed up for a {$1.00} shipping XXXX XXXX which was OUT OF STOCK. The XXXX item I chose was also OUT OF STOCK, therefore I didn't chose a third item XXXX TOOK {$55.00} OUT + INT'L SHIPPING FEES OF $ XXXX. for the XXXX items OUT OF STOCK which I never re wives. XXXX is REFUSING to return the {$55.00} and TD BANK will not lete close out the account because it's overdrawn by this amount.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There was a fraud attempt by a Target Red Card Services employee on XX/XX/2021. The late fees assessed were not the issue, as mentioned in a previous response about late fees from Target through the CFPB from a separate complaint. The employee kept asking for my personal debit card number, not my Target Red Card number, over and over, saying it was necessary, even though I had already explained I had an XXXX bank account payment set up. I reported it to the Fraud department on XX/XX/2021, and was given a fraud claim/reference number of XXXX. The payment amount was changed on XX/XX/2021 to {$0.00} to document when the fraud attempt occurred. I also made a payment the following day, on XX/XX/2021, for {$0.00} after I received that fraud claim/reference number tp document when I received that number too. I was told by that representative that provided it that I would be contacted in a few days or receive would receive some corresponde. I was also told not to make any payments until the fraud claim I submitted was resolved. I kept calling Target Red Card Services nearly everyday to follow-up and they refused to provide status updates, simply stating it was still under review. I've attached a letter for the CFPB and XXXXarget Red Card Services to review and keep being told that Target does not investigate fraud attempts by their own employees. I'm usually hung on as well. I was hung up on earlier today, XX/XX/2021 at around XXXX XXXX ( PST ), while attempting to inquire again. I spoke to another representative shortly after who kept stating we don't investigate fraud on their own employees. When I asked the represenative who to contact earlier today about a fraud attempt by a fellow Target employee, he stated he couldn't direct me to anyone to have the matter looked into further. The fraud claim was never investigated appropriately. I later noticed incorrect marks on my credit reports. At this point, due to Target Red Card Services not properly taking actions to investigate this fraud attempt by a fellow employee, I'm being left with no option but to report the card as fraudelent after the interaction and attempts by that Target employee on XX/XX/2021. I entered a " payment plan '' with Target, to attempt to avoid any additional issues, but they keep refusing to investigate the fraud claim I made against the Target Employee. Additionally, I never received any follow-up correspondence in regards to the fraud claim I submitted. Another representative told me it might've just been changed to a general complaint, which was not what I asked for. I never received any update or documentation in regards to that either. Then, some inaccurate information appeared on my credit reports. Since this was poorly handled by Target Red Card Services, I'm asking all negative impacts on my Red Card account and any other negative results, like the incorrect credit report marks reported to the bureaus be adjusted, since this is still being poorly handled by XXXXarget Red Card Services right now at the moment too. I still have not received a follow-up about the fraud claim I submitted either. If Target changed my fraud claim submission to a general complaint without notifying me properly, I have not control over that. And again, I never received any follow-up about the fraud claim submission I made initally on XX/XX/2021, after the fraudelent interaction with the Target employee occurred the previous day, on XX/XX/2021. I've also attached an updated letter to be sent to Target, along with the same medical information that I sumbitted prior, and how this is causing stress for someone who is medically XXXX already too. Thank you.
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 16 C.F.R. 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 16 C.F.R. 433.2 In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ) 16 C.F.R. 433.3 ( a ) Any seller who has taken or received an open end consumer credit contract before November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. I placed my indorsement on a consumer credit contract with Target. The consumer credit contract is a negotiable instrument Pursuant to the above definition. A purchase money loan, which is a cash advance was never given to me the consumer when I Indorsed the Consumer Credit Contract. If banks can only lend their own money and are not allowed to lend credit what did you lend me? This is ultra vires and this is unfair, deceptive acts or practices. pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. So if the finance charge is the sum of all charges and it was paid for with the purchase money loan What Did Target / TD BANK USA N.A. lend me? Credit or Money? Pursuant to 12 U.S.C. 24 seventh, You can't hold Securities for yourself only customers. I demand Documentary Evidence on the public and private side pursuant to 15 U.S.C. 44. Pursuant to 15 U.S.C. 1635 I would like to Recession this transaction and have all monies returned Target and TD BANK USA N.A. has use false, misleading, and deceptive tactics and those all violate 15 U.S.C. 1692e Pursuant 16 CFR 433.2 you were supposed to include this disclaimer and you didn't NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. And as the Debtor I am asserting my rights.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A