Date Received: 2020-08-28
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: Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: During COvid-19 i didn't received the statement or the payment didn't applied quick enough. I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Today, XX/XX/2020, I am furthering a complaint against Retail Store, Nordstrom, Inc. My Complaint is in reference to Nordstrom closing my account after 30 years of existing as a consumer abiding and loyal customer to Nordstrom. My grievance began when I received correspondence from Nordstrom, dated XX/XX/2020, advising that my account would be closed due to credit reporting that they did not consider favorable to their companys creed. Upon receiving this correspondence, I immediately called the Customer Service Department on XX/XX/2020, in addition, I also composed a rebuttal that same day, stating the facts of my customer devotion over the years, my outstanding account maintenance, never late-payments paid on time every month, my recent outreach to the Company, and the unprofessional posture that I received from the Customer Service Representative, to include the Customer Service Supervisor. I have additionally spoken to several other Customer Service Representatives/ Supervisor since then. Most recent on XX/XX/XXXX, and XX/XX/2020 respectively. However, on XX/XX/2020, I spoke with two Representatives w/ Company ID : a. XXXX or XXXX ( as I was advised ) b. XXXX ( XXXX-Supervisor ) The conversations on this day, XX/XX/2020, was very contentious. As first, I received a phone call from Representative ( a ) who advised she was calling me in reference to my letter, to inform me that the account would not be reopened, as it was stated for closure, unless I agreed to do a credit check, and as she put it ; would create a hard inquiry, but it was my decision. I did not take well to her tone, and asked her what other standards did Nordstrom considered, and did they not take into consideration, excellent account maintenance?, longevity? ... She did not reply. I advised her that I would like a formal reply to my letter from Nordstrom, as I did not ask for a phone call. She was hesitant, and did not provide further explanation. The call concluded. Furthermore, I called Nordstrom back within minutes, and spoke to ( b XXXX XXXX. XXXX too was not responsive to my concerns, however, in a response to my question of what criteria did Nordstrom overall base their decision to close my account, he stated that he/ Nordstrom was not privy to provide that answer. He further stated that additional factors, such as longevity, and keeping the account in good standard, was unfortunately not an equation to my credit report. He also stated that Nordstrom had been reviewing my account for over a year, and my credit report fluctuated. Appalled at this response, I requested to close the account. Please note, it was not, and has not ever been my intention to close this account, but I did not want the Companys reporting to the credit bureaus that they closed the account, as I have been advised this would further damage my credit score, rather than myself making the request. Therefore, I strongly believe that I have been a victim of Credit Discrimination based on my credit report that does not reflect my Nordstrom History. A distinction that I voiced to Nordstrom in my letter, Discrimination made by Nordstrom based on groups, classes, or other categories to which they perceive others to belong. Moreover, restricting my credit privileges based on their systematic internal bias of who is credit worthy, regardless of your consumer allegiance. I am hoping that the CFPB can assist me with getting a straightforward formal response from Nordstrom, addressing my concerns to their closure decision. And whatever, their response will be, I would like to receive advice on where I can post my experience public, for others to review, so a consumer such as myself can make a good decision before wanting to become a Nordstrom Credit Card Holder. Thank you. Enclosure : XXXX XXXX ( Nordstrom Letter ) XXXX XXXX ( Letter Response ) XX/XX/2020 ( Nordstrom Letter )
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2020 my bill for XXXX did not go through when it was on auto bill.I reached out to Nordstrom and they said they saw the payment try to come out of my bank but it was rejected for security reason not lack of funds. They never once notified me of rejection but instead gave me this late payment. I never received one letter or phone call. Nordstrom said they had attempted to call but I have no record of phone calls or voicemails. I have never kept a balance because I shop there so often I can just pay the balance in store in FULL. I also set up auto payment when the card was first opened in XXXX. Due to COVID I had not been in store in 2 months because they were closed. From my knowledge I assumed any balance, especially one so small was being taken out via auto pay. Nordstrom failed to notify me of rejection, even after my years of loyalty to them as a customer. I no longer qualify for a mortgage because of the impact it has taken on was once PERFECT credit and nordstrom will not help with this unfair situation. I can guarantee that if I had been notified of a balance, a mere XXXX could have and would have been paid in full. Or if stores were not closed due to COVID I could have came in store to make the payment.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was trying to get my card enroll again in XXXX XXXX and my XXXX deleted all of my credit cards in error and I received the code twice in one day and the third tile the customer service had a problem adding it again and they keep putting me on hold for hour and transfer me to different depts and Im very busy guy and I dont have time to be on the phone dealing with this I need to pay my bills and work and get on with my life and then they brought up and said my social security number is wrong and I need to verify it over the phone but I explain to them I received codes from them in past and I was approved for this credit card back in XX/XX/2020 and paid my bills and its reported to the credit bureaus I just want my credit card to added to XXXX XXXX
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage. The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data. Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For some time now I been trying to contact this company to come to a fix of some information that its showing on my credit report. Unfortunately, about 3 1/2 years ago, I was in a financial dilemma due to family member loss and health issues. As a result 7 of my payments to you were delayed and repossession of the vehicle. Because your account with me is extremely important I managed to borrow the money to cover the late payments and get the vehicle back. I paid those payments on seven occasions including repossession costs but I made sure to fulfill my obligation to ensure that the company suffered no loss. By the way when my card got repo I was told that it won't show repossession on my credit repost, my error was to believe in what the company told me and not ask for proof, which was all a lie. The company still reported including the late payments. Sent goodwill letter and for the last 4 year I haven't missed a payment.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: TD Bank needs to unenroll my email address from XXXX as I have closed my account. They will not do so.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello, I am trying to close my XXXX XXXX Credit card through TD Retail Card Services. I did not request this card nor was I informed that my financing option was through a new credit card. One I canceled my purchase from XXXX, I have been unable to reach TD to cancel my card. I can not cancel my account online or via email and have spent over 2 hours on hold on numerous occassions to try and close this account. All I want is to close an account I did not want in the first place. Thanks, XXXX
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A