Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #7394505

Complaint Overview

Complaint ID: 7394505

Company: TD Bank US Holding Company

Product: Credit card or prepaid card

Sub-Product: General-purpose prepaid card

Issue: Problem with a purchase or transfer

Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer

State: Florida

ZIP Code: 342XX

Date Received: 2023-08-13T12:00:00-05:00

Date Sent to Company: 2023-08-13T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Numerous complaints were filed with a merchant XXXX XXXX over the last year online using XXXX XXXX as this is the only way they allow for complaints to be filed. The customer does not receive any copies or proof that the claim was submitted other than, at times an email days or weeks later stating that XXXX received it and it is " researching it ''. Each complaint was accompanied by screen prints and detailed descriptions of abuses and overcharges. About three months ago I compiled a list of all of the requests, individual overcharges charges, and literal theft from my account. XXXX never responded directly to my allegation but contacts me trying to sell more services and never returned the money or issues a credit. Since I could not get any response from XXXX I reached out to TD bank which issued a prepaid credit card. A claim was filed on XXXX. A was instructed to submit all relevant information which I did in a 105 page report which was faxed to a fax number provided in TD letter I received after I filed. Over two weeks went by and I received a letter form TD bank stating thy did not receive any documentation from me and are about to close my dispute and reject my complaint. I confronted TD bank via phone stating a have proof they DID receive the fax with 105 pages report and submitted that report via fax again for good measure. Again, no response from TD Bank... When I called and inquired about the status I was told that since the dispute is more than 60 days old they can't do anything about it ... That is nonsense, as my attempts to resolve this situation took a very long time I believed XXXX was acting in good faith and I had no reason to believe it will not be resolved in my favor due to the preponderance of the evidence I collected damming XXXX XXXX and their practices. When I explained again to the customer service rep over the phone, I was told that the claim will be looked at again. I would like to remind you that it seemed at no time TD Bank even looked at the report I provided. Again, no communication from TD Bank other than " boiler plate '' letters stating absolutely nothing! When i contacted TD BAnk again i was told that the merchant XXXX ADs provided an answer to my dispute to TD bank and based on that TD bank decided to reject my claim as according to them " error did not occur ''. I was floored as only an XXXX or someone completely biased would not see the logic and reason to approve my claim. I requested to see the response from XXXX and was told i will receive it via mail. That was 3 weeks ago... and I still have not recived it. I have no faith in TD Bank protecting my deposits from fraud and abuses by merchants as this is not the first time this happened. In my 105 page detailed report I documented overcharges of {$18000.00}.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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