Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Over the past 4 1/2 years , Nordstrom had damaged my credit reporting incorrect information. I tried over the years to get this corrected and had no success.

They were reporting that they were included in my XXXX  XXXX since early 2020 and they were NOT ; yet, the refused to correct my credit reports tarnishing my credit and credit score. It impacted my buying power for a home loan which was devastating!!!

I had this account opened for quite awhile. I paid timely and was in very good standing.

I called early 2020 right when things shut down in Maryland because of COVID. I called because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because their jobs shut down because of COVID. One worked at a XXXX  ; another was a XXXX XXXX XXXX XXXX in Maryland. I called to see my grace period paying that month to avoid anything impacting my credit. 

The representative that I spoke to was extremely rude and beyond insensitive ; even after explaining the circumstances. I explained to her how I was a victim of a XXXX XXXX and had to file a XXXX  XXXX to pay my attorney fees. I have documentation showing how XXXX XXXX XXXX Police Department ; Department of Justice ; my attorneys ; and others got involved to help me through the nightmare. 

She then told me since I filed a XXXX  XXXX, they will include themselves and close my account. Its like she used that as an opportunity to sabotage my account adding fuel to my fire & nightmare situation ; especially navigating through COVID. I explained to her that she cant add Nordstrom to my XXXX  XXXX ; it was too late and they wont accept a late filing. I even called my attorney after and he stated its too late and she cant take that type of action towards me. I knew that after working for 2 XXXX  XXXX XXXX 9 years. 

I have called Nordstrom several times trying to understand why my account was closed and it was explained because they were part of my XXXX  XXXX which was incorrect. There really was no justification! That rep back in 2020 did it iyt of spite and it was part of her sabotage, retaliatory, harassing behavior towards me. Meanwhile, for the past 4 1/2 years, they have damaged my credit report lowering my credit score. Damaged my credit reputation. Reported false information that was negative being reviewed by other creditors. Reporting illegal false information.

Again, I went from paid as agreed ; never late and an outstanding credit with them to them reporting derogatory information with red flags all over my credit report that had extremely false, damaging information. My XXXX  XXXX had nothing to do with them since they were not listed as a creditor. I was not in bad credit standing with them. Theres no justification for them to take the actions that they took which was slanderous towards my credit reputation. 

Im a XXXX native and grew up shopping at Nordstroms since I was a little girl. My grandparents and great grandparents took me shopping there for every single holiday, birthday and special occasions since I was an infant. Both of my daughters grew up on Nordstroms as well. They were XXXX XXXX XXXX XXXX XXXX for years. My XXXX  worked at Nordstrom for over 16 years. I hung out with the Nordstrom family.

I

still continue to shop at Nordstrom and I have hosted a LOT of major events with several ladies for the past 18+ years. Nordstrom averages at least 6+ people opening credit accounts through those events ; yet I dont have a card which was shocking with the Manager the manages the department that opens accounts. I appreciate them FINALLY looking into the fact that they were NOT included in my XXXX  XXXX and FINALLY fixed my records with the Credit reporting agencies after 4 1/2 years of tarnishing my credit but its very disappointing that I had to keep escalating the issue and after several attempts how to get CFPB involved. This created a great deal if STRESS & FRUSTRATION!!! Each time I deal with this, Im reliving the XXXX XXXX & massive stress encountered by COVID.

Company response to consumer: Closed with explanation