Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hi NORDSTROM CLOSED MY ACCOUNT. I 'VE LEARNED TO START WITH COMPANIES LIKE CFPB RIGHT AWAY BEFORE 30DAYS FROM NOW ON. 

EVERYTHING IS DOWNLOADED STARTING XX/XX/XXXX TO XX/XX/XXXX- RE : CLOSED CREDIT CARD IN MIDST OF UNRESOLVED CHARGES. WITH XXXX XXXX IN CUSTOMER RELATIONS FOR 1YEAR VIA PHONE AND EMAIL. 
RESULTING IN HORRENDOUS DAMAGE TO MY CREDIT SCORE. IT  WAS AGAINST MY WILL AND FORCED UPON ME DUE TO THERE NEGLIGENCE. 

XXXX XXXX DOWNLOADS START WITH XXXX CANCELATION OF XXXX SNEAKERS EMAILED TO ME FROM NORDSTROM-1ST REP ACCUSED ME OF HAVING ITEM. 

HAD TO CALL OHIO AND REPORT-WASNT WARE UNTIL XX/XX/XXXX XXXX XXXX WAS'NT MANAGEMENT. THEREFORE, MANAGEMENT XXXX XXXX ADMITS IN MEMO YOU WILL READ SHE WAS AWARE OF XXXX XXXX YEAR LONG HANDLING OF MY ISSUE BEFORE THEY AUDACIOUSLY CLOSED CREDIT CARD AND DAMAGED MY CREDIT. 

NORDSTROM COULD NOT LOCATE CANCELATION ON THERE END EITHER- TOLD ITEM WAS RETURNED-WOULD NOT REMOVE FROM ACCOUNT- XXXX XXXX XXXX LOCATE IT EITHER NO ONE MADE NO SENSE TO ME. I KNEW IT WAS CANCELED. LOW AND BEHOLD MY NEICE FOUND EMAIL. 

FORWARDED TO XXXX. PRIOR TO THAT XXXX RESOLVE WAS CREDIT. I WANTED AN ANSWER. NOT LOCATING A TRANSACTION WAS VERY CREDIBLE FOR ME. THIS WAS NORDSTROM. 

XX/XX/XXXX. AND XX/XX/XXXX ORDERED KEPT RETURNING 3 PAIRS OF BLK 1 MAUVE XXXX XXXX SHOES-THEY WERE USED, VISIBLY WORN, STORE WAS AWARE- XX/XX/XXXX RECEIPTS WITH TRANSACTION NUMBER {$33.00} DISCOUNT AMT INFORMATION I TRANSCRIBED TO XXXX XXXX- XX/XX/XXXX LIST XXXX SENT ME STILL SHOWS {$42.00} XXXX SHOES NOT DISCOUNTED. 

XX/XX/XXXX {$45.00} BODY SHAPER PURCHASED IN XX/XX/XXXX TOLD TO XXXX VIA PHONE AND EMAIL DOWNLOADED SEVERAL TIMES CONSTANTLY IN XX/XX/XXXX AND XX/XX/XXXX ON XX/XX/XXXX LIST SHE SENT ME. BUT THEY DAMAGE MY CREDIT. 

XX/XX/XXXX MY RECEIPT CANCELATION OF XX/XX/XXXX XXXX FROM NORDSTROM I HAD TO EMAIL TO XXXX. PROOF OF THERE INCOMPETENCE FAILURE TO LEGALLY CORRECT DISCREPANCIES IN TIMELY MANNER. 

XX/XX/XXXX REDUNDANT DISCUSSION WITH XXXX. RETURN ITEMS STILL FROM LAST YEAR STILL ON MY CARD. MARKDOWNS ARE N'T BEING DONE REPORTING EACH ITEM TO XXXX. MONTHS WOULD PASS. IF I DID'NT STAY ON XXXX SHE WOULD NOT DO HER JOB. 

AT STORE WITH RECEIPT IN HAND, MAN IN WHEEL CHAIR CAN NOT PULL UP RECEIPT AT ALL. RECEIPT IS LEGIBLE, I 'M A PROFESSIONAL, WELL DRESSED, NO DECEPTION IN MIND, VERY EMBARRASSED WAITING. HE HAD TO FORCE RECEIPT TO DO RETURN. REPORTED TO XXXX. 

CALL IN MARKDOWN ARE BE OMITTED. WHEN DISCOVERED REPORTED TO ITEMS XXXX. BLACK MAXI DRESS, DENIM JUMPSUIT ETC. ITEMS LISTED IN MEMO 'S MONTH AFTER MONTH AND TOLD TO XXXX. STILL ON HER XX/XX/XXXX LIST TO ME. AFTER THEY CLOSE MY CARD? 

XXXX STORE RETURN REPORTED TO XXXX ANOTHER ITEM XXXX TEE SIZE NOT FOUND RECEIPT IN HAND. CASHIER WAS REFUSING TO TAKE, HAD TO CALL CORPORATE. CASHIER HAD TO DO WHATEVER TO RETURN ITEM. NO FRAUD GOING HAPPENING ON MY BEHALF. SERIOUS EMBARRASSMENT. HOW IS THIS HAPPENING CLEARING ON THERE END MY THOUGHTS  ARE. 

XX/XX/XXXX MORE INCORRECT INFORMATION FROM XXXX WHICH I TAKE RESPONSIBILITY FOR BECAUSE AFTER 30 DAYS THIS WAS TO BE STOPPED. XXXX XXXX AND THEE ENTIRE STAFF AT NORDSTROM KNOWS I THEY PASSED TIME REGULATED BY LAW TO RESOLVE WHAT YOU WILL FURTHER SEE. 

XXXX XXXX AS YOU WILL SEE IN DOWNLOADS AND MEMOS AFTER THE AUDACITY OF XXXX XXXX AND XXXX XXXX TO THINK A POLICY IS IN PLACE AT NORDSTROM TO NOT RESOLVE MATTERS ON CONSUMERS CREDIT CARD FOR 1 YEAR, GET ANGST AND CLOSE IT BECAUSE YOU FEEL 1 YEAR WAS TO MUCH TIME WELL LET CFPB AND OTHERS DECIDE. 

THIS WAS ILLEGAL FOR NORDSTROM TO ALLOW THIS TO GO ON. I BEFRIENDED AND WAS PATIENT WITH XXXX XXXX AS SHE DID NOTHING BUT CHARACTER ASSASSINATE ME, BRUSHED THINGS, MARKDOWNS, RETURNS ETC, UNDER RUG AND THREW MY CASE THE SIDE. 

IT 'S PREJUDICE AND BIAS FOR ANY COMPANY TO THINK THEY HAVE POWER TO RUIN PEOPLE OUT OF SPITE OR WANTING THEM TO JUST GO AWAY. 
NO NORDSTROM I WAS FAIR, PATIENT, KIND AND GOT PLAYED. JOKES ON YOU NOW. THIS IS AGAINST THE LAW. 

I HAVE EVERY CALL AND EMAIL WITH YOU XXXX. 

CONTACT ME FOR FURTHER INFORMATION XXXX I HAVE A MULTITUDE TO PROVE GROSS VIOLATION OF MISTAKES NORDSTROM WOULD NOT ADMIT TO. 
XXXX WORDS ARE THEY SPENT HOURS TRYING TO SATISFY ME!!!! HA NO THEY TOOK A YEAR TO CALL ME AFTER I CALL THEM -- PICK UP WERE I LEFT OF!! - XXXX XXXX ALLLLWAAAYS!!! ASKED ME TO RESEND MY INFORMATION!!! 
I HAVE WITNESS ON WITNESS TO THAT. 

XXXX XXXX WAS NEGLIGENT LOST OR MISPLACED HAD LITTLE CONCERN WHICH WE FIND BIAS DAMAGING MY CREDIT DUE TO HER INCOMPETENCE- ASK XXXX AND XXXX WHAT GAVE THEM THE RIGHT TO TAKE 30, 60 OR 90 TO COMPLETE? 
WHY DID I HAVE TO RESEND INFO SHE DILIGENTLY AS XXXX XXXX SAT BESIDE XXXX LISTENING AND WATCHING HER SPEND HOURS THAT TOOK A YEAR.? 
WELL AS XXXX STATED SHE DID SO IN MEMO SHE 'S LIABLE FOR XXXX SINCE XXXX HER SUBORDINATE. 

THE RESOLUTION IS NEVER TO SIMPLY BE MALIGN, INJURIOUS TO ANYONE OTHER THAN CREDIT MONEY NORDSTROM FRAUDULENTLY WAS IN THE HABIT OFF PLACING ON MY CARD THINKING IT WOULD GO UNNOTICED. 

I HAPPEN TO BE AN HONEST AND THOROUGH CONSUMER. NOTHING IS AGAINST THE LAW BEING THAT WAY. I WANTED TO PAY THE REST OFF MY DEBT. 
NOT THE ENDING HOSTILE, UNSYMPATHETIC, UNFRIENDLY, COLD ENDING IMPOSED ON ME BY EVERYONE I SPOKE TO.

Company response to consumer: Closed with explanation