Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I opened a Nordstrom credit card several years ago while residing XXXX Maryland During that time, I made a few purchases at Nordstrom XXXX  and paid for them either by mail or in-store payment in person with my debit card or cash at a XXXX  store about XXXX minutes away from my previous resident. 

In XXXX, I relocated to another part of Maryland. To the best of my knowledge, I did not make any additional in-store or online purchases on my Nordstrom credit card prior to moving. Last year XXXX, I made several online purchases from XXXX  XXXX ; however, I paid for those purchases directly using my XXXX XXXX debit card in order to avoid finance charges. 

In the summer of XXXX, I visited the XXXX XXXX store to return an item and selected additional merchandise to purchase. At checkout, I inquired about any available discounts. The cashier informed me that a discount might be applied if I used my Nordstrom credit card. When I attempted to retrieve the card, I realized I could not locate it and was unaware that it had been lost. The cashier attempted to locate the account using my phone number, identification, and date of birth, but was unable to proceed because the system indicated that the card had been XXXX. I was advised that I would need to apply for a new card. As I did not have time to complete that process, I declined and left the store. 

I continued making online purchases using only my XXXX XXXX debit card. Several months later, I unexpectedly received a billing statement reflecting purchases made using my Nordstrom credit card. I immediately contacted XXXX  in writing to request an investigation, as I did not have access to the card, did not know the account number, and was unable to locate any card information within my online profile. 

On XX/XX/XXXX, XXXX responded in writing, stating that the matter had been addressed and that the credit bureaus had been notified. The account number referenced in that investigation ended in XXXX. 

It wasn't long, I received another letter from XXXX stating that I owe {$220.00} on a different account ending in XXXX. I have only ever opened XXXX Nordstrom credit card account. I do not understand how there could be XXXX separate accounts in my name without my knowledge or authorization. 

I do not owe this debt. I consistently pay my legitimate bills on time and maintain good credit. I can not simultaneously be paying for purchases with my XXXX XXXX debit card while being charged on an unknown Nordstrom credit account to which I have no access. These charges are unauthorized. 

I initially reported this matter to the XXXX XXXX XXXX of the Attorney XXXX XXXX and was referred to the Consumer Financial Protection Bureau. This letter serves as a continuation of Complaint Number XXXX, submitted by regular mail on XX/XX/XXXX. 

Additionally, during the time this incident occurred, I experienced fraudulent activity involving unauthorized charges on both my XXXX credit card and my XXXX  credit card accounts. I informed XXXX of this as well, particularly because the cashier previously indicated that my XXXX card was XXXX. It is unclear how the account later appeared active without my knowledge or consent. 

I have since closed the XXXX account in question to prevent further issues. I respectfully request a thorough investigation into these unauthorized accounts and charges and ask that XXXX immediately remove these inaccurate charges and correct any negative reporting associated with them to the credit companies that is currently affecting my credit. I have also contact XXXX, XXXX  etc in regards to this matter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation