Are you seeing 866-491-7864 on your caller ID? This is a call from Nordstrom. They are reaching out because they think you have a balance due on a Nordstrom credit card and the account has been placed with their in-house collections department for contact.
What Nordstrom won't let you know is that you have more leverage than you think you do. Getting a call from a giant corporation is not a reason to feel obligated to talk, negotiate, or pay without first verifying that the debt is accurate and that the company has a legal right to collect it.
Who Is Nordstrom?
Business type: First-party creditor and servicer (on behalf of TD Bank USA, N.A.)
Industry: Retail department store chain and private-label credit cards
Revenue: Approximately $15 billion in annual revenue
Employees: 55,000
Locations: 394 (in 41 states)
Headquarters: Seattle, Washington
Structure: Privately-held (as of May 2025) following $6.25 billion acquisition by the Nordstrom family and El Puerto de Liverpool
Credit card partner: TD Bank USA, N.A. (owner of the Nordstrom credit card portfolio since October 2015)
BBB rating: A+ (not accredited), 1,585 complaints in the past three years, customer review rating of 1.07 out of 5
They're Calling Thousands of Consumers (And It's Not Going Well for Them)
You're not the only one getting calls from 866-491-7864. RoboKiller reports that over 497,000 calls have been placed from this number and that over 2,300 consumers have filed reports about it.
In September 2024, the Consumer Financial Protection Bureau (CFPB) imposed a $28 million penalty on TD Bank for illegally furnishing inaccurate negative information to the credit reporting agencies. The enforcement action specifically addressed TD Bank's Retail Card Services portfolio, which includes the Nordstrom credit card accounts.
Why Is Nordstrom Calling Me?
The Nordstrom Credit Card Connection
Nordstrom offers three credit card products through TD Bank: a private-label store card, a Visa Platinum card, and a Visa Signature card. If you have ever opened any of these accounts and missed a payment, the internal collections team at Nordstrom may be calling you from 866-491-7864.
The unusual part of this equation is that Nordstrom is acting as a servicer rather than a creditor. TD Bank owns the debt but Nordstrom is handling the customer service side of collections.
A Nordstrom employee went so far as to confirm on a consumer complaint forum that the account services department makes calls to past-due customers a few days after the payment due date has passed.
Wrong Number? Doesn't Matter to Them
Many of the people fielding calls from 866-491-7864 have never even had a Nordstrom credit card account. As one consumer explained on 800notes, "Not everyone receiving calls from this number has a Nordstrom credit card! Never had one, never will, yet they are calling for me, using phishing tactics."
Another consumer said, "They call my number daily…my number is not listed and my name is not on the account."
This is a major red flag. When a debt collector calls the wrong person and continues to call after they know they have the wrong number, it may be a violation of federal law.
These wrong-number situations are the perfect example of the type of inaccuracy that can be disputed on your credit report.
Red Flag Radar: Inconsistencies to Look for in a Nordstrom Collection Account
Suspicious Account Details
Start by evaluating the details of the collection account.
Is the account number unfamiliar?
Does the balance look too high?
Does the account type seem incorrect based on the information you have about the account?
Pull a copy of your credit report and go line by line through the Nordstrom or TD Bank tradeline. Inconsistencies of any kind can be the basis of a credit report dispute.
One consumer who was called from this number reported that the caller used an automated system that asked for their account number and then their Social Security number. When the system indicated that this information did not match anything in their files, the automated caller asked for more of their Social Security number.
When the consumer contacted Nordstrom directly about the call, they were informed that it was not legitimate.
Whether the call is coming from Nordstrom or a scammer spoofing their number, never give personal or financial information out over the phone to an incoming caller.
Dates and Balances That Don't Match Up
Go through the dates associated with the collection account carefully.
When was the "date of first delinquency?"
What was the "date opened" for the account?
What was the "date reported?"
If any of these dates seem incorrect, that's a red flag that can help your dispute.
Most collection accounts can only be reported on your credit file for seven years. If the credit reporting agency is re-aging an old debt by using an incorrect date, that's a violation of the Fair Credit Reporting Act (FCRA).
The CFPB indicates that TD Bank's reporting failures involved consumers between January 2017 and December 2023. If your experience with a Nordstrom account falls within this time period, be sure to scrutinize every aspect of the tradeline for your dispute.
5 Important Reasons to Ignore Their Phone Calls
Don't Feel Guilty About Not Picking Up
There is a dangerous myth circulating that suggests it's irresponsible to ignore calls from a debt collector. Nothing could be further from the truth.
Under the Fair Debt Collection Practices Act (FDCPA), you have the legal right to request that a debt collector completely cease communication with you. Ignoring these calls is a legal right protecting you from harassment. It's not about shirking your responsibilities. It's about knowing them.
The volume of calls Nordstrom is placing in this situation tells you everything you need to know about their approach.
One consumer reported getting three to four daily calls from this number on a brand-new cell phone. Another consumer described the daily automated calls they were getting from a recorded voice identifying himself as "Eric" even though the consumer did not have a Nordstrom credit card account with this number.
Rather than engaging directly with these calls, work with a credit repair professional who can help you dispute the Nordstrom collection account that's driving them. When you talk to them directly, you may be giving them information they can use to verify the debt. When you ignore them, you're preserving your rights.
What Are You Risking If You Do Answer?
What might happen if you answer a call from a debt collector? At the least, you may inadvertently confirm some of your personal information. At the worst, you may be acknowledging a debt you don't actually owe or resetting the clock on the statute of limitations for a time-barred debt.
Even confirming something as simple as your name can be enough for them to strengthen their position.
One consumer who called Nordstrom back at 866-491-7864 was told there was a system glitch preventing the company from applying their payment to their account. The consumer was also told that the glitch was affecting "a lot of people." Even current customers were being flagged as past-due because of the internal error.
Remember, the End Goal Is Your Credit Report
It's Not Really About the Debt
Here's the truth that Nordstrom, TD Bank, and every debt collector doesn't want you to understand: This isn't about whether or not you owe them money. It's about what's being reported on your credit report and how long it stays there.
A derogatory tradeline on your credit report can keep your credit score down for years. It can impact your ability to qualify for a mortgage, an auto loan, or even get a job.
Your single best weapon in this situation is to dispute any information on your credit report that you believe may be inaccurate or unverifiable.
Federal law says that when you dispute an item on your credit report, the credit reporting agency must investigate and respond within 30 days. If the information cannot be verified, it must be deleted.
Given TD Bank's $28 million fine for its reporting failures, there's a good chance you'll find something worth disputing on a Nordstrom tradeline.
Why BBB Complaints Are Not Just a Warning but Evidence
Those BBB Complaints Are Not Just a Warning to Other Consumers
Nordstrom's Better Business Bureau profile is telling. With more than 1,500 complaints in just three years and a customer review rating of just 1.07 out of 5, there is a clear pattern emerging.
But you don't have to just view these complaints as a warning to other consumers about the practices of a given company. You can also use them as evidence to support the claims you make in a dispute.
When there are hundreds of consumers who all report the same experiences with unwanted phone calls, billing and payment issues, and problems with the management of their accounts, that's a trend. It's a sign of a broader problem that credit reporting agencies and regulatory bodies can't ignore.
Every complaint that gets filed adds to the mounting evidence of harm to consumers when a company is engaging in practices that result in inaccurate or misleading credit reporting information.
How to Dispute a Nordstrom Collection Account the Smart Way
The Original Creditor Doesn't Care
Once you understand the business model, everything changes. TD Bank purchased Nordstrom's portfolio of credit card accounts as an investment. When a charged-off debt gets sold to a third-party debt collector like Radius Global Solutions, the original creditor has already written off the loss and moved on.
The moral obligation debt collectors try to create gets a lot less compelling when you recognize the company demanding that you pay them bought your debt like a commodity off the shelf at a grocery store.
In October 2024, an amendment to the Nordstrom/TD Bank Program Agreement shows that the servicing platform for the accounts is in the process of changing. Whenever there is a transition like this underway, it can create gaps in documentation that become your ally during a credit report dispute.
Let a Credit Repair Professional Handle Your Dispute
A credit repair expert who is well-versed in both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act can review your credit report to identify potential issues with a Nordstrom or TD Bank collection account. They can then help you file a dispute that puts pressure on the credit reporting agency to verify the information or remove it altogether.
Under federal law, credit reporting agencies must investigate every dispute they receive and provide a written response within 30 days. If the company furnishing the information to the credit reporting agency cannot verify it, the disputed item must be deleted.
Given TD Bank's history of reporting failures and the thousands of complaints consumers have filed about the company, you already have a solid foundation for a dispute.
Don't Wait Any Longer
The Bottom Line
Calls from 866-491-7864 are meant to intimidate you into doing something without taking the time to think. Nordstrom and TD Bank are hoping you'll pick up and agree to whatever terms they demand.
Every single piece of evidence from the robocall numbers to the federal penalty says otherwise.
Don't pick up. Don't call them back. Don't negotiate with them directly.
Instead, focus on where the real leverage is: your credit report.
Get Help from FightCollections.com
The team at FightCollections.com is committed to helping consumers identify inaccuracies on their credit reports and filing disputes to bring companies like Nordstrom and TD Bank to account for their actions.
If you're getting unwanted calls from 866-491-7864 and you see a Nordstrom or TD Bank collection account on your credit report, contact us today for a free consultation.
