Consumer complaint received 2023-03-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Wednesday, XX/XX/, I received a notification via mail from Nordstrom, dated XX/XX/. This notification stated that they were attempting to collect a debt of {$3400.00}, which I was completely unaware of. 

I immediately reviewed the payment history on my account and saw that I paid the minimum balance in full on XX/XX/XXXX  ( {$150.00} ) and then again on XX/XX/ ( {$470.00} ). 

I then reviewed the alert history on my Nordstrom account, my physical financial files, as well as my personal email and confirmed that between XX/XX/ and XX/XX/, I received no written or electronic notification that the account was past due other than this letter dated XX/XX/XXXXUpon reading the letter, it was clearly stated that Nordstrom was attempting to collect a debt. However, it was also clearly stated that I had until XX/XX/XXXX  to dispute this debt and only then, if Nordstrom received no response, would they consider this debt valid. Nordstrom subsequently reported my account as delinquent to XXXX on XX/XX/, long before the XX/XX/XXXX  dispute deadline, resulting in a XXXX point reduction in my credit score. 

Upon receiving this written notification, I called and spoke with a representative and was only then notified that my account was overdue. The representative informed me that accounts are reported as delinquent after 2 months. Upon reviewing my credit report, however, I noticed that the account had been reported as a 30 day delinquency prior to the 2 month past due mark. At this point, I had also already paid the total minimum payment of {$470.00} meaning the account was current. This again occurred long before the XX/XX/XXXX  dispute date. 

Upon further review of the written notification, I also noticed that it did not include the minimum payment needed to make the account current. It only included the total balance on the card which is not the amount I actually owe nor the amount owed that was reported to XXXX. 

When I look at what was actually reported, I see that I owed an outstanding balance of {$310.00}. Neither this amount nor the equivalent amount owed as of XX/XX/XXXX  were included in the written notice. It is incredibly confusing. I can not tell from the written notice the total amount I actually need to pay resolve the delinquency. 

I would like to dispute this debt and have the delinquent account removed from my credit record. Nordstrom did not clearly communicate that the account was past due in XXXX, XXXX, or in XXXX, and did not clearly indicate the total amount due to make the account current on the written notification. They also reported the account as delinquent prior to the dispute deadline. It is very clearly indicated that Nordstrom wouldnt consider this debt valid until after XX/XX/. Also, despite all of this, Nordstrom continued to allow me to use the card in XXXX, XXXX, and XXXX with no notification that the account was overdue or that they would be reporting the account as delinquent. 

Again, the total minimum balance on this account is currently paid in full and has been since XX/XX/. This was weeks before the XX/XX/XXXX  dispute deadline. I will also, as of XX/XX/, have mailed a response to Nordstrom disputing the debt but again, they have already reported the delinquency and significantly lowered my credit score.

Company response to consumer: Closed with explanation