Consumer complaint received 2021-09-06
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 ) 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/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 for my XXXX account. I have been in contact with XXXX XXXX ( CEO of Nordstrom ) directly about the matter and i havent been successful in getting the late payments removed even though they are in violation of the following consumer laws : 15 USC 1681b and 15 USC 1666b. I received the credit card agreement and a material disclosure of the finance charge and it mentions TD bank a lot through the agreement and i wanted to dispute these late payments for your retail card with TD directly. 

I would like you to know that during the delinquent period I was hospitalized and severally ill. I have provided documentation from the physician as well as the nurse to support this notation to the dispute center and nordstrom itself. I understand that it is my financial obligation to pay the account balance on time. But at the time I did not enroll in auto pay and I could not pay my bills because I was fighting for my life. I would have an excellent credit repayment record if it wasnt for my hospitalization. I made a mistake in falling behind but since then I have made my finances my number one priority and have been making payments ontime for the past two years. I have marked the due dates on my calendar and set my notifications and reminders on my phone and other devices that I use. I have reach out to my other credit card companies that i have late payments in and they all gave me a goodwill adjustment because of my payment history and the length of time I've been in business with them. Im not really sure why nordstrom is out right refusing to extend a goodwill adjustment to me because all credit companies have to follow the same exact credit laws. 

I recently got an eviction notice from my current residence and I am scheduled to get evicted from my home in a few months. I have tried to apply for housing elsewhere, but I keep on getting denied because of my delinquent payment history. The delinquent payment history is making it nearly impossible to find an apartment and I am on the verge of being homeless. I plead with you please remove the late payments as a courtesy because I am trying my hardest to prevent me from being homeless. Its even more scary that the supreme court just overturned Bidens law that protects the rentors. Me being homeless may happen sooner than i anticipated. I am extreme scared and worried about my livelihood and future. I am a XXXX  in college who is studying to obtain a XXXX in XXXX  as well as a minor in XXXX. I do not want my bright future to be ruined by a few XXXX dollar late payments. The delinquent payments do not reflect my creditworthiness and commitment to repay my debts. It would be very helpful if you could make a goodwill adjustment to remove the late payment XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. Thank you for your time and consideration and I sincerely hope you approve my request because I will be homeless if the request is denied. You can reach me at XXXX. I hope you and your family is safe during these challenging times.

Company response to consumer: Closed with explanation