Date Received: 2020-02-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2019, I notified Nordstrom about 2 pages that I ordered on line. I called XXXX XXXX 5 times and Nordstrom did 3 investigation through XXXX. I, still being harassed by Nordstrom in California. Im XXXX by the State of Nj, just because my neigbors at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. Admitted they stole my packages XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX stole my packages along with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX along with my NJ motor vehicle drivers license and social security card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTACKED MY PHYSICALLY 3 TIMES XX/XX/2019, XX/XX/2019 MY HEAD WAS BANGED TO THE HARD CONCRETE, XX/XX/2019 IN FRONT OF THE XXXX TOW TRUCK DRIVER. IM IN A D XXXX SCAM I ANSWERED AD ON XX/XX/2019. I trported my identity theft and nothing has been done, by the XXXX County police department or the courts.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have written to TD Bank three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target is reporting my account as over 30 days past due. They are also reporting it in 3 different months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on 3 different credit reports ( XXXX, XXXX, and XXXX ). I have asked them numerous times to remove the delinquency because there was an error on their part for the reporting. I never received any bills, or emails, or phone calls regarding the account. The first phone call I received was after the account was over 30 days delinquent. If you listen to the phone call, which is recorded, you can tell I didn't even think the account was delinquent. I told them that if they would have ever left me a voice mail notifying me the payment was due, I would have immediately paid it and the account never would have been delinquent. I have had the account since XX/XX/2006 and never made any late payments. This should show that something rather out of the ordinary must have occurred. I asked them to review the calls to my number and they would see that no voicemails were left EVER! They are adamantly refusing to do the right thing. I am in dire need of assistance because I am trying to purchase a home and I am over them not investigating and telling me conflicting information. I had one person tell me, in a recorded conversation, they would have the bureau remove the item. Then, when I called them back 45 days later, they told me to stop calling them because they WOULD NEVER remove the item. I am tired of playing games and need this situation rectified immediately. I have been dealing with this issue for nearly a year.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: XX/XX/XXXX I received a letter from TD Bank Americas most convenient bank. Stating that my account ending in number XXXX is overdrawn. I went personally into my TD branch in XXXX XXXX XXXX and had to make a specific meeting with a representative in the branch to deal with this issue and find out what happened to my account. I was there for two hours. The branch representative called for me and authorized me but they could not even find my account number they couldnt find my name they couldnt find my social insurance number and they were nothing but rude and nasty even to the other TD branch representative even though I had all my paperwork in my hand from opening the bank account they said they couldnt help me they couldnt find me there was nothing they could do so I made a second appointment to come in the next week after I had gone home and tried to find more documentation to bring with me to the next appointment. At the second appointment myself and the TD branch representative were physically calling for me and again she authorized me, we got nowhere. All the representatives on the TD US side were very unhelpful and uneducated in their job. We asked for a supervisor or a manager to come on the phone they refused and said there wasnt any way we could do that so we put a request for a callback which was supposed to be done within 24 to 48 hours. We were finally able to get a little information and we were told that there was a cross-border transaction on XX/XX/XXXX for XXXX dollars that was done and by that transaction being done the fees that were taken out of the account but were not replace until the following business day, which put me in under my hundred dollar limit. This then set off the computer system saying that I was below my hundred dollar limit and started eating away every month at my {$120.00} limit in monthly service fees. They are now saying that I need to pay them {$16.00}. The representative that both I and the TD branch representative spoke to you on the phone said he put through a Note into my file that they would remove the {$16.00} to bring my account to a non-owing balance. This was in a charge off department and collections recovery phone number XXXX. This would not have occurred if their computer systems had done things properly and refunded my me to me transfer fee immediately after the transactions when it was supposed to. Several weeks went past and I have not received one phone call I called in two times in the month of XXXX and requested supervisor callbacks and not one phone call was returned. I called XX/XX/XXXX and spoke to a female representative with the ID number XXXX, she said there are no notes in my file except the request was put in XX/XX/XXXX and XX/XX/XXXX And thats all it says. She said she put in a request for a supervisor to call me back, I asked her why there were not any notes I asked her why no one had called me and her response was I dont know I cant tell you anything. I called again on XX/XX/XXXX and I spoke to a female representative with ID number XXXX I was on hold for 37 minutes. I. Advised her of the situation that I needed to speak to a supervisor and had requested several callbacks.The representative did not want to assist me she said she could not find my account number which my account number is XXXX which is exactly how the other representative looked me up XX/XX/XXXX she tried to pass me off and transfer me to customer service and I told her she cant transfer me I have to speak to her or someone in her department she continued to speak over me and argue with me after I told her I know what Im doing Im calling and I need to speak to the collections department. She said that she cant deal with me and she is terminating the call and then she Hung up on me.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019, XX/XX/2019. 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.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts has appeared on my credit report. I have never had any dealings with these companies. 1. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 2. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 3. The following account is not mine ( open date XX/XX/XXXX ) TDTARGET Account Number : XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This Nordstrom credit card when never opened by me and needs to be removed from my credit report
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I will provide a photo of my statement. I am being charged {$71.00} on an account that is closed. No access to pay on line. I have to call every month practically begging to make a payment. All on time payments. It took many many months to get assistance to be put in there so called hardship plan with TD. It was for for two years no interest with a monthly payment of {$42.00}. This passed XXXX I have been trying to reach that department over and over. I am being told to call XXXX. I was provided XXXX number. Which has no affiliation with TD Bank. XXXX XXXX was the director of the hardship department. The only one with moral fiber. He no longer works at TD I come to find out. His number was XXXX. When I asked for this hardship I was not in default or late. My Mother became very ill and used all my savings and needed assistance due to the financial stress of taking care of my Mother. TD tells me I need to go into default!!!! Total violation. I was not going to do that. Finally I speak to XXXX XXXX after many many many months I am put into a hardship plan. Its a disgrace how badly I am treated. What these people put me through. I was on the phone 3 hours on Monday XX/XX/XXXX to make a payment and inquire why I have I interest charges. I spoke to 11 people. No one would take my payment! I was transferred to the Levy department. These people are scumbags. No one would give me the number to the hardship department nor assist in any way. I received a call from the State Attorney General Office as they received a call from OCC and all the trouble I have been having. TD is finally being investigated to all my allegations that taken place from the beginning. This has taken a toll on my XXXX with all I have endured. I have no access to this account accept for mailing statements which sometimes I do not receive. TD removed my checking account when calling in as I have no other choice. Applied cash payments from TD bank where I went physically and credited payment to another account. Disgusting hood rat behavior. I will not tolerate this anymore! I was given XXXX. XXXX email who never responded in the last week. He is the SVP of customer service!!!! No response. Not surprised.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: In XXXX I had a Nordstrom 's card. The day I bought a suit, they offered me a card. I accepted. They ran my credit and put my purchases on the card. They never sent me a card. A few months later it went on my credit report. I explained what happened and they refused to take the info off of my report. Angry, I paid off the balance and closed the account. In early XX/XX/XXXX, I received two pieces of mail. They reopened the account without my authorization. This is fraudulent and it is unacceptable. Somebody could have intercepted it. It took me all afternoon to get the account closed. Furthermore, they told me I had never closed the account. This is false.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I called in paid off my target red card in XX/XX/2019. The card was closed at that time and no additional charges have been made. On XX/XX/XXXX I received information when trying to purchase a car that my target credit card was reflecting past due. Confused by how this could be considering the account was paid off in XX/XX/2019, I called the contact center. The call center rep informed me that there was a returned payment on the account, but was unable to provide any additional details and then the call was disconnected. I then attempted to contact the call center again to get to the bottom of this. The call center rep at that time was unable to explain why my account was reflecting past due. I advised that I have not received any statements or notification there was an issue with my account until I received a credit alert while trying to buy a car. I requested all statements be sent to me so I can see what happened on my account. I was put on hold and once again the line was disconnected. I once again called back to to the call center and requested information regarding why my account was now reflecting past due when I paid it off in XX/XX/2019. The agent once again confirmed my address and said that she " saw '' why I was not notified of this and why i was not receiving any sort of statement from Target. It was stated that there is an internal verification that has to take place and that this never happened on my account and that is why I havent received statements. The call center then put me on hold and i have now been on hold for 25 minutes. I am requesting that Target red card remove any negative remarks from all 3 credit reporting agencies as I was not alerted of any issue with this account and none of their reps are able to provide to me the information I need showing that I owe these money to target. Target should consider updating their process to ensure customers are receive statements and proper account notifications. This is very confusing for consumers to understand what is happening to their accounts. And that is after I have attempted to contact the call center 4 different times and no one can provide me any details or give me any info.
Company Response:
State: KS
Zip: 66208
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A