Consumer complaint received 2021-08-02
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not a regular customer of Nordstorm but I do go and shop when I am in a city that has one. First week of XXXX I went to Nordstrom 's XXXX  in XXXX. Decided to use the card to start getting notices again. 

I never got a bill so I CALLED THEM - XXXX XXXX XX/XX/XXXX and reported such. I was told I would get a bill with the next statement mailing. I asked should I pay - no, all was ok. Three minute call as verified on XXXX XXXX statement. 

I finally got the bill on XX/XX/XXXX along with a letter dated XX/XX/XXXX that they " hadn't received my payment. '' I CALLED THEM ON XX/XX/XXXX and spoke to XXXX in CO. I told her that I had called in XXXX and didn't get a XXXX / XXXX statement and that I finally got it yesterday, XX/XX/XXXX. I explained that I moved to XXXX  XX/XX/XXXX as I have been doing since XXXX. All my mail is forwarded and arrives within 7-10 days. I paid the bill immediately and asked her to note in my account the problem - I said " I do not want trouble or a black mark with you or on my credit. '' XXXX responded " XXXX, you know how the mail is since COVID. I noted this - all is ok, no problems. '' I trusted her. 

I got an email from XXXX  today that said yesterday, XX/XX/XXXX, Nordstrom turned in a 30-day past payment on my account. I called today XXXX and spoke to XXXX - she couldn't help and transferred me to XXXX in CA. I explained everything as above and he put me on hold ; he came back and said his supervisor said " tough '' ( paraphrased ). I presented my case again and XXXX went back to his supervisor again ; XXXX came back and said the supervisor said " they were not allowed to falsify the truth. '' I was shocked and furious that this supervisor implied I wanted him to lie!!!!! XXXX was nice and said he understood my case and what happened. He was going to turn it over to Credit Services and that he had notated on his end to watch for an email from that Dept. He would follow-up on Sunday, XX/XX/XXXX, with me and I should hear in 7-10 days. 

Let me explain another recent situation ; I bought a mattress from XXXX XXXX in XXXX. I called in XXXX and said we never got a statement ; I was asked if we ever got the credit cards. No. the agent notated it all and said no problem - in fact, she waived the XXXX payment, sent me a replacement statement for XXXX, two-day XXXX XXXX the cards, and went out of the way to help me. That was XXXX XXXX. All this effort and no lies. 

Nordstrom is not that honest nor has any sense of listening or helping the customer - XXXX On XX/XX/XXXX said she could not find any notation as I had told the girl on XX/XX/XXXX about no statement in my account. Why not? I trusted her that day when she said " there would be no problem ( paraphrase ). '' XXXX today read through the account and did not tell me what exactly was notated there, but he did say that the late fee and interest were credited back to my account. What??? Why????? After I requested understanding of the situation, after their rep told me no problem, she understood, someone at Nordstrom STILL filed the delinquent report anyway when the only reason the payment was late was their problem in not sending timely statements and the mail problem with weeks of time till I got the statement I CALLED THEM AND REQUESTED! Oh, but unbeknownst to me, Nordstrom went ahead and gave me credit for all their " delinquent '' charges!!!! And on top of all that, their supervisor - rep insinuated " fraud '' on my part. IXXXX don't lie nor do I ask anyone to break the law..Inexcusable!!!! 

XXXX  call on XX/XX/XXXX XXXX 13 minutes XXXX  call XX/XX/XXXX XXXX 23 minutes Beware consumer - do not trust Nordstrom or the credit card services!!!!! You will never get this dishonesty or lack of empathetic customer service at XXXX 's or XXXX XXXX, for example. I surely won't shop there again.

Company response to consumer: Closed with non-monetary relief