Consumer complaint received 2021-05-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a complaint against TD Bank N.A and also a Request that TD BANK N. A. 
reverse my funds from disputed transaction with the unscrupulous merchant ( XXXX XXXX XXXX ) Total Claim for the transaction : {$20.00}, XXXX Claiming from TDBANK = {$15000.00} including fees by TD BANK Claiming from XXXX = {$4500.00} under separate request Dear Sir or Madam, The Reversals Request filed by XXXX XXXX XXXX regarding CASE NUMBER XXXX, and Case # XXXX are invalid and warrants a CHARGEBACK. 

These RESERVALs are invalid because XXXX XXXXXXXX XXXX  did not provide the Service as described and plus, 1- XXXX XXXX XXXX the merchant acted as a fraudster with malicious intent - I purchased a book marketing service with XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX XXXX sold me a high ticket service that he calls done for you whereby they will provide all the marketing services described in the attached agreement for me. ( Just like metaphorically speaking XXXX XXXX  sold me a XXXX. I bought the XXXX. XXXX XXXX XXXX then goes on to deliver bicycles to me. I did not buy bicycles. I bought a XXXX. So I disputed his service and requested a refund. Either they give me the service they sold me or they give me my money back. 
I called TD bank to explain the situation and request my money back. TD Bank never gave me my money back. Because, they waited to hear from XXXX XXXX XXXX. 
XXXX XXXX XXXX then presents services unrelated to what I purchased, like a bicycle instead of a XXXX XXXX as evidence of service and work performed to TD bank and TD Bank believed and did not get me my money back. 

Please refer to my XX/XX/XXXX and XX/XX/XXXX email exchange with XXXX and XXXX of XXXX XXXX XXXX attached to this. Initially I wanted to be patient and work things out with XXXX XXXX XXXX. But their intention to swindle me was there from the beginning. They just were after my money ... not to provide any of the services they were promoting. 
2- The statement quoted below from XXXX XXXX XXXX Dispute Response Information , is incorrect. Please see on the screen capture email exchange that XXXX XXXX who works for XXXX XXXX received from my editor the copy of my manuscript on XX/XX/XXXX before I signed and paid for the program. They did not print my book and never printed my book because their intention was not to help me. They just wanted to steal my money. This following quote is from XXXX XXXX XXXX in responding to TD Bank. It was just a lie. 
" Cardholder signed up for XXXX PROGRAM on XX/XX/2020 with the understanding our merchant needed all deliverable 's within the first week in the program ( latest XX/XX/2020 ). She fully aware that any delay would make it impossible for our merchant to meet the agreed upon print date. C/H didn't provide required deliverable 's within required time period. Book was not published on time because cardholder did not provide workable layout as agreed on the contract. This is a cardholder merchant dispute. " My dispute is correct. My email communications with the merchant showed that I provided to XXXX XXXX, the information he needed for reprinting my book and despite that, they acted as if they did not plan to work within the time frame they promised me. And because I was not satisfied I complained to XXXX XXXX XXXX, but they did not try to correct the situation by 1- Not providing the services as promised, which they received payment for. 
2- Providing an ambiguous contract, intended to cheat and then mistreat and disrespecting me. I have tried everything possible to resolve the problem with the merchant to no avail. 
3- XXXX XXXX XXXX purposefully lied in his response by accusing me for not providing the information they needed when they already were in possession of that information. And up to now, they have not provided the service I purchased. They delayed responding to my dispute to the point of annihilating my chances for providing a timely rebuttal so as to cause my case to be dropped in order for them to keep my money, instead of simply providing honest and ethical service for that money. 
4- XXXX XXXX XXXX largely lied in his rebuttal letter citing 31 items with faked $ amount that he claimed to have provided. I did not want that plethoric of bicycles I just wanted marketing service done for you : get me interviews, promote my books in the media, do what marketing done for you is and that is the reason I spent all that {$20000.00} purchasing their service ... My book was already on XXXX I just needed a good marketing service to get the word out.. 
XXXX XXXX provided a long list of activities that XXXX XXXX XXXX actually provided nothing out of ... They promised me DO IT FOR YOU MARKETING and they switched me to a do it yourself with some false dollars amount so they can keep my money. I did not buy that I just wanted them to do my marketing so as to increase the sale. 
The transaction in question was paid ( from my accounts in two banks : TD Bank and XXXX XXXX  ) for book publishing and marketing services the merchant promised to provide and that included republishing my book between XX/XX/XXXX and XX/XX/XXXX if I made my payment in full. 
I have made my payment in full just as stipulates the attached Agreement on page 1 section1 underlined in yellow. 
Up to now, XXXX XXXX XXXX  has not printed nor delivered any book. 
They did not provide the service they promised on the attached Agreement on page 1 of the Attached Agreement. 
TD Bank was informed of the dispute by a claim I filed against XXXX XXXX XXXX. Yet, TD Bank failed to grant me the usual temporary credit and waited all through XXXX, XXXX, XXXX until XXXX, 4 months after I filed the claim to now tell me that I should personally go after the merchant, as if as a consumer, I was on my own without any protection from the Bank. I would never have gone to that merchant 's store and handle them such amount of money without the implied protection that I can benefit from, from the Bank.

Company response to consumer: Closed with explanation