Consumer complaint received 2021-09-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Number : XXXX To whom it May concern, I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Nordstrom account. I would like the aforesaid late payments to be removed from my credit file because they are in violation of the following consumer laws. 15 USC 1681b and 15 USC 1666b. The late payments in question have no reason on my credit file because i did not give consent. According to the consumer law late payments are not listed in the law therefore the late payments that are on my credit file are violating my rights. I will be notifying the CFPB about this also. The late Payments being reported on my credit file also violates consumer law 15 USC 1666b. I was not mailed my monthly statement so you can not treat the late payment as a late payment. Due to these violations of the following consumer laws ; 15 USC 1681b and 15 USC 1666b, my late payments should be removed. I would also like a material disclosure of the finance charge for this account ; 15 USC 1637 sub section 1. 

On XX/XX/XXXX, I emailed you notifying you that i would become homeless if the late payments arent removed. I also conveyed that my account wasnt enacted in autopay and i was severely ill. I havent missed a payment ever since. And i even boycotted your store due to your refusal to remove the late payments off of my credit file. I would hate to have to completely close the account with all the credit history. And i would love to shop at your store but i can not support a corporation that doesnt care about their customers and just wants their money. I have gotten a goodwill adjustment from every major credit card company i have been with. Its just Nordstrom that is refusing to give me one. Its to my understanding that every credit card company or creditor is subjected to the same exact consumer laws. They all have to follow the same exact laws. So every time i call to get my late payments removed i get the same old generic line that you have a duty to report an accurate credit file. How come the other creditors were allowed to issue a good will adjustment then. All creditors are subjected to the same exact laws. So that means that your company is simply refusing to empathize with my situation and would rather let me become homeless than remove a few XXXX dollar monthly late payments. If my late payments are not removed as a result of your company being in violation of the two aforesaid consumer laws. I will be closing my account with nordstrom and boycotting nordstrom for good. I will also let the general public know how nordstorm treats it customers and try to get others to start boycotting you as well and closing their credit file with you guys. I love nordstrom and everything you stand for so much so that i was an employee. Please honor my request, because i will become homeless if my request is not honored. You can contact me at XXXX.

Company response to consumer: Closed with explanation