Date Received: 2020-12-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Nordstrom Credit card was opened fraudulently using my personal information, This was not authorized by me. See attached FTC affidavit of identity theft.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 25th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
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: I own a small fitness manufacturing company that was severely impacted by the Covid-19 pandemic. Most of my clients have been forced to close and we have had a shelter in place order in my state earlier this year. Needless to say it has been a struggle to keep the business operating and pay my bills on time and I certainly appreciate that most of my creditors have been very sensitive to the pandemic and understand that many Americans are struggling financially during this time. However, I am writing in regard to TD Bank where I have an overdraft line of credit for more than 10 years. I always make payments via online transfers to this account on time, however, during the month of XX/XX/2020 this year I just did not have the money to even make a minimum payment. I was shocked when I was reported as 30 days late and saw my credit score drop by 75 points, which now affects my ability to borrow XXXX money offered by the XXXX. I disputed this through the credit bureaus but TD Bank would not remove the late mark, only added a note to my file which does nothing for my case. I need TD Bank to remove this negative mark immediately.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/XXXX I opened an account at a TD Bank branch in Washington DC. I have had an account at the XXXX part of TD for decades because I used to work there and I imagined that having an account at the US bit would make it easier and cheaper for me to move funds from the XXXX account to the US. All was well until about four years ago, when TD neglected to send me a replacement ATM card. I called several times but, despite wasting a lot of time, was for reasons I remain unclear on, unable to persuade them to send me one. After a couple of years of that, I decided to simply close the account. That, as it turns out, is not easy either. Indeed, so far it has proved impossible. Again there have been multiple phone calls, followed by the notarized letter that their website promises will suffice to close an account. That letter was sent in XX/XX/XXXX. I then followed up multiple times using the secure email facility on their website. At first I just got form emails back saying that they were too busy with COVID. So I gave up again and got busy with other things. Today I received a snail mail letter informing me that my account has been designated inactive and is in danger of being turned over to the government as unclaimed. It has been active in the financial sense because TD Bank refuses to let me use it by sending me an ATM card or, as I found out today, by letting me remove funds electronically to my local bank account or to XXXX. It has certainly not been inactive in the broader sense that I have been in contact every few months, first in my attempts to attain an ATM card and then in my attempts to close my account. So the snail mail I received today asked me to show up in person at a branch or to undertake a transaction. The former is difficult because I live far from the nearest TD Branch and am not travelling to DC for business as I normally do due to the pandemic. The latter is impossible because they will not send me an ATM card nor let me withdraw money electronically. I would be a fool to deposit money in an account from which I am unable to withdraw funds. I have not attempted to write a paper check and deposit it in my local bank because I worry they will not honor it and I will end up paying bounced check fees. I did not call again today because I have learned through painful experience that all it does is put me in a bad mood, which is unpleasant for my family. Please help!
Company Response:
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, TD BANK N.A. add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2020 I encountered problems with a late payment to Target due to problems arising from the COVID-19 epidemic. On several occasions I noticed that there was a link in the billing site that stated Target would work with persons having problems due to COVID-19. The arrangement consisted in my tendering an initial payment of {$98.00} and agreeing to have payments automatically deducted from my bank account. Since that time I have had {$57.00} per month taken from my account with no problems. However, last week I called the credit provider to see if I could remove my account from the agreement since under it I could not make any purchases until XX/XX/XXXX. The customer service representative repeatedly inferred that I was trying to avoid paying my bill. At first I thought perhaps he was just a rude and inconsiderate person so I called the company again and asked if my account was considered to be in collection. This person also started to treat me as though I was a " deadbeat '' and when I asked if the account was considered in collection he stated that it was because I had entered into the payment plan. Target did not make this arrangement sound like a collection when I agreed to the payment arrangement. I agreed to the arrangement with the understanding that they would not take any punitive measures against me. Until the epidemic I made it a practice to always pay my bill on time. I believe that this creditor should not be taking advantage of people suffering hardship with good intentions as to the payment of their debts.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The Law Firm of XXXX XXXX XXXX first sent a letter in XX/XX/2020 which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/2020 and received on XXXX. They are even deceptive in their mailings.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A