Consumer complaint received 2021-08-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX in an attempt to collect debt in the amount of {$550.00} for TD Bank/Nordstrom Credit Card. A discount payment of {$360.00} was offered within the notice. On XX/XX/XXXX a certified debt validation letter was sent to XXXX XXXX , XXXX via United States Postal Service. No further response was received by the collections company for the month of XXXX. I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX with a balance of {$550.00} with a now discounted payment offer for {$330.00}. On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX , XXXX via certified mail through the United States Postal Service. Upon my second attempt in validating the debt, communication ceased from XXXX XXXX , XXXX for the rest of the year. 

I received a collections notice dated XX/XX/XXXX from XXXX XXXX, XXXX in an attempt to collect debt in the amount of {$550.00} with an offer to resolve the account for {$360.00}. Knowing that two collection agencies can not collect on the same debt, I placed a phone call to XXXX XXXX , XXXX on XX/XX/XXXX to confirm if they are indeed the collections account holder. I was told by XXXX XXXX , XXXX that they no longer held the account and was referred back to the original creditor, Nordstrom. I then placed a call to Nordstrom on XX/XX/XXXX to gain clarification and obtain debt verification, a Nordstrom representative stated the account was no longer with Nordstrom and was placed in collections to XXXX XXXX ; contact information for XXXX XXXX was given. I requested for a statement or documentation showcasing the amount of {$550.00}, the representative asked for updated contact information, I complied and provided updated contact ; I was told a statement would be sent to me for validation purposes. No statements were ever sent by Nordstrom. 

A call was placed to XXXX XXXX XXXX , XXXX on XX/XX/XXXX to obtain the address and account information in which to send a debt validation letter. A representative from XXXX XXXX XXXX , XXXX communicated that the account was with XXXX XXXX XXXX , XXXX, when asked for clarification on the account being held with XXXX XXXX XXXX , XXXX as the collections agency but the collector is with another agency, I was prompted to update my contact information. I complied with the request, gave my updated information I was then told to contact XXXX XXXX XXXX , XXXX for further information on the account. I received a phone call on XX/XX/XXXX from XXXX XXXX XXXX XXXX in regards to a TD Bank/ Nordstrom Credit Card debt in the amount of {$550.00}. I communicated to the representative that I have not received any statements or paperwork indicating I indeed owe {$550.00}. I furthermore explained that I have the last billing statement from Nordstrom and I did not owe an amount of {$550.00}, I let the representative know that I would be sending a certified debt verification letter to the collections company. 

I sent a certified debt verification letter dated XX/XX/XXXX to XXXX XXXX XXXX , XXXX via United States Postal Service. I never received debt verification from XXXX XXXX XXXX , XXXX neither did I receive further communication from the company in regards to this debt. Upon reviewing my credit with the three bureaus I noticed that Nordstrom was reporting the debt as charged off but with a current and past due balance of {$550.00}. Nordstrom did not indicate on my credit file that the account was in collections. With my last bill statement from Nordstrom in the amount of {$570.00} and the inconsistencies in Nordstrom 's practices of obtaining the debt I decided to file a dispute directly with all three credit bureaus. 

A dispute letter dated XX/XX/XXXX was sent to XXXX, XXXX  and XXXX  highlighting the inconsistencies that were being reported by Nordstrom, I sent copies of the collection agency documents and the last billing statement from Nordstrom. Nothing was resolved, XXXX  and XXXX  did not investigate the dispute and XXXX  sent me notification stating the dispute was resolved by data furnisher however nothing has changed.

Company response to consumer: Closed with non-monetary relief