Consumer complaint received 2023-04-04
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:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Attention Target Card Services/ TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Attention XXXX XXXX XXXX XX/XX/XXXX Sent Certified Mail with Return receipt Copy to Skip XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX Ref : account # XXXX Ref : XXXX XXXX XXXX XXXX of 4 Charges of $ XXXX x 4 = {$1600.00} Crdit Dear Target Guests Service As Target Card Services / TD  Bank USA As Your Costumer, I hereby Notify for a third time to act accordingly, Read My Words : I Will NOT Pay for the Charges Of $ XXXX from XXXX XXXX from Last XXXX XXXX XX/XX/XXXX for a total of {$810.00} reposted on my Account after I contested them already 3 times. 
I will NOT Pay any additional Interests that Target Card Services Has posted on my account related to {$810.00} XXXX XXXX. 

I canceled XXXX XXXX on XX/XX/XXXX. XXXX & XX/XX/XXXX are not due & will never pay for XXXX & XX/XX/XXXX after I canceled my XXXX XXXX XXXX If I had paid with my XXXX XXXX XXXX, issue would have been resolved long time ago, after my first contestation the 2 Charges Of $ XXXX would have been refunded! 

Target Card Services wants to get paid back, I strongly suggest You re-initiate 2 Retrieval Requests on those 2 Charges Of $ XXXX for {$810.00} total + all interests you have added That I Will NOT PAY FOR. 

Furthermore, since I discovered the XXXX XXXX scam as their services, I paid for never worked in XXXX & XX/XX/XXXX, I hereby demand that Target Card & Services reverse the charges of $ XXXX for XXXX & XX/XX/XXXX & Credit my account with an additional {$810.00} I sent you the Same Notice Below But You have Not Credited my account for 2 fraudulent Payments of $ XXXX from XXXX XXXX charged for XX/XX/XXXX & XX/XX/XXXX which had been already contested with Proofs provided to Target Card Services You also have added interests that should be void. 
As a reminder, in XX/XX/XXXX, I was prospected by Phone & I was victim of XXXX XXXX Insurance Scam, As I had signed up over the phone for XXXX XXXX XXXX XXXX Insurance in XX/XX/XXXX for $ XXXX Supposed to cover Doctors Visits with a Co-Pay of $ XXXX Prescriptions with a copay of $ XXXX & Hospital visits 100 % covered for My Son & $ XXXX CO pay for Myself & my XXXX  XXXX 
In XXXX & XX/XX/XXXX, all our Family of XXXX got sick & had to use our XXXX XXXX XXXX with the listed network of Doctors, Pharmacies &. hospital, but none of the Listed doctors, pharmacies & hospital ever accepted our Health insurance card letting us know that they had others patients before with XXXX XXXX XXXX & XXXX Providers never got paid for by XXXX XXXX XXXX XXXX XXXX had to self Pay each doctor visit, pharmacy prescription & Emergency Hospital Visit for My Son. 
On XX/XX/XXXX, I called XXXX XXXX & left a message to the XXXX XXXX XXXX to cancel & I sent an email for Which I sent you copy as per Target requests to cancel my health depot coverage not working, in XXXX & XX/XX/XXXX, & was not supposed to be charged in XXXX & XX/XX/XXXX, after receiving my statements for XXXX & XX/XX/XXXX, my Target card still got charged $ XXXX twice. 

Proofs that it is XXXX XXXX XXXX is a Scam : XXXX, XXXX, XXXX, XXXX XXXX all 5 Listed in the Network have dropped XXXX XXXX insurance as they have failed to pay for previous bills for others patients. 

You have denied my request by Mistake. 

You really need to review again my request, upon the Consumer Protection Act  & XXXX, XXXX, XXXX  Regulations as a Credit Card Holder Costumer, I have the right to cancel & get full refund not only after I proved that I cancel a health Depot insurance monthly Suscription but also I am entitled to the refund for every month the XXXX XXXX XXXX XXXX I paid for did not render the services it promised. 

XXXX XXXX XXXX had failed to provide proof of my agreement & failed to prove their service & failed to show the reasons their service was denied in XXXX & XX/XX/XXXX & they failed to provide their Full Terms of Services for the XXXX XXXX XXXX XXXX & detailed coverage. 

Target Card Services /TD Bank has been unable to provide such proofs, Therefore, By this present letter, I hereby request that not only that You credit $ XXXX in XXXX & XX/XX/XXXX for $ XXXX = {$810.00} In Addition, I also hereby Request that you credit my account for XXXX XXXX Insurance Scam got XXXX XXXX XXXX XXXX XXXX XXXX As XXXX XXXX insurance never worked in their own network XXXX XXXX XXXX XX/XX/XXXX XXXX & 10 months ago. 
Total request refund is {$400.00} x 4 = {$1600.00} In addition I expect a credit of all interests & late fees you have charged to my account due to those {$810.00} charges I forward my Letter to My Attorney XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Who will be representing Me in this Case. 

Looking forward to see the resolution I deserve upon the costumer Protection Act, & XXXX, XXXX, XXXX, XXXX Regulations, I will protect my Rights to the full extend of the Law. 


Govern Yourself Accordingly Best Regards XXXX XXXX

Company response to consumer: Closed with explanation