Consumer complaint received 2023-04-28
Company: TD BANK US HOLDING COMPANY
State: FL
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:
On XX/XX/XXXX I contacted a flight school called XXXX XXXX XXXX. I needed a multi engine pilots certificate to complete my training and begin a job. I did all previous training at the flight school where I also work. However, due to only having 2 weeks before beginning my new job, we were unable to schedule the training that quickly. 
XXXX flight training said via emails I can provide that they could complete the training by XX/XX/XXXX. The same day ( XX/XX/XXXX ) or my initial inquiry, I signed a contract with them for my training to begin XX/XX/XXXX and ending XX/XX/XXXX. The ONLY reason I used them is because they guaranteed my training schedule to be done by XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX took an initial {$1000.00} deposit. 
XX/XX/XXXX XXXX XXXX XXXX took the remaining {$3600.00} for the training. 
Halfway through the training, they had to cancel and move several of my flights, then the aircraft I was using became no longer airworthy. At this point, my final exam was cancelled and moved by the staff of XXXX XXXX XXXX who at least apologized, and covered the examiners non-refundable reschedule fee, as XXXX XXXX XXXX recognized that it was their fault. I asked my future employer for and extra week, to which he agreed. 
My exam was now booked for XX/XX/XXXX I continued the training they moved from week 1 into week 2. Two flights into week two, on XX/XX/XXXX XXXX XXXX XXXX took an additional {$700.00} from my account because I had gone over the week long training, which was their fault! Then, they also cancelled my final exam on XX/XX/XXXX due to internal discrepancies with the FAA. Again, not my fault. They said I could continue training until the FAA discrepancies were resolved, although they didnt know how long it would take. 
My future employer said he could wait no longer, so although they offered more training, I was unable to wait. I moved on, and completed the training through my then future, and now current employer. 

I emailed XXXX XXXX XXXX to resolve the issue. I was open to a full or even partial refund, to which they strongly disagreed. I then filled a merchant dispute with TD card services. I furnished over 30 pages of evidence containing our contract that clearly stipulated the dates. Emails back and forth, stipulating the specific week long training schedule, as well as emails of me trying to resolve it, etc TD contacted XXXX XXXX XXXX, and ruled in their behalf because they said I was the one who declined further training. I obviously declined more training, because I was out of time. This dispute isnt about the training conducted, its that XXXX XXXX XXXX IS IN BREACH OF CONTRACT. 
I then filled an appeal, to which TD sent back a reply quoting their initial response that they already looked into it before, and I declined further training, so Im at fault. 
I then filled an initial complaint on XX/XX/XXXX with you at The CFPB. You contacted TD, to which XXXX from TD called me directly on XX/XX/XXXX. I was flying and unable to answer, but returned her call that following Monday XX/XX/XXXX at XXXX sharp. For the next week, I called the number XXXX gave which went directly to voicemail, and received no reply. 

I can and will furnish over 30 pages of documentation, and answer any questions further. Im just desperately hoping that the powers that be can help me! XXXX XXXX XXXX clearly breached the contract, and despite my patience by training an additional week, as well as offering to settle with a partial refund, I just keep getting run over. Then TD card services adds insult to injury by calling, and leaving me with a number that leads to no where. Can someone please help me sort this out! Thank you in advance, I eagerly look forward to your reply.

Company response to consumer: Closed with explanation