Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (GA)

Please note that this matter is urgent as I am being charged over {$10000.00} for an item that even after 1 year I have never received. 

TD Retails Card Services- Manages YARD CARD YARD Card is used by several specific Merchants XXXX XXXX is one of those Merchants Here is the timeline : I spoke with XXXX at XXXX XXXX about ordering a swim spa. 
XXXX Discussed swim spa. XXXX the rep urged me to sign urgently because was he was leaving for the day. I would receive a XXXX part contract to sign. 

XXXX I signed XXXX part of contract. When XXXX part came I told him the purchase was not feasible because a crane wasnt included. I asked to cancel and did not pay the balance due of {$1400.00} to finish the purchase. 


XXXX I texted XXXX to cancel. XXXX sent me texts saying he was going to force me to move forward XXXX I emailed the store to cancel and called the store. 
No response. 



DISPUTES a. XXXX XXXX I contacted XXXX XXXX the XXXX creditor they opened a credit line for me in the amount of {$17000.00}. XXXX XXXX informed me they had to investigate. Their investigation turned up that Yard Card charged me illegally before even shipping me the item The dispute was closed and decided in my favor on XX/XX/XXXX. 
XXXX YARD CARD A vastly different experience. 
XXXX XXXX XXXX a rep at Yard Card She stated my case could take 90 days and offered no real help or problem solving. 
XX/XX/XXXX I called back and spoke to XXXX asked where is the dispute form XXXX said I would receive. Met with more attitude and contempt. 
XX/XX/XXXX XXXX XXXX another unhelpful agent who dismissed my statement that I have never received this item and item was never ordered. 
XXXX Called back card still has balance status of dispute? At this point I still had not received the letter with who allegedly handled the dispute. I have NEVER received this letter as of right now the time of me writing this letter. 
XXXX Spoke with XXXX. She informed me the dispute was decided in favor of the merchant and that the merchant responded that I did not ask to cancel. THE MERCHANT WAS NEVER EVEN ASKED TO PROVE THEY HAD A VALID CONTRACT WITH ME OR HAD SHIPPED ME ANY ITEM!!! 
XX/XX/XXXX TT XXXX again and informed her I still have not received the letter she said I would receive informing me of who to contact regarding this dispute. XXXX was once again dismissive ignoring the fact that after XXXX days I was still being charged for an item that I NEVER RECEIVED! 
XX/XX/XXXX XXXX XXXX XXXX. Gave me upper management email to send this issue to. XXXX she is not sure why the claim was decided in the merchants favor but I would need to submit the enclosed dispute form nevertheless. 
XXXX XXXX XXXX XXXX Contacted XXXX XXXX spoke with XXXX she said she would look into this. XXXX informed me that XXXX, the salesman who refused to cancel this transation is no longer with the company. 
XXXX I sent XXXX all pertinent emails and texts from myself and XXXX. 
XXXX XXXX confirmed that after XXXX days no order is being processed for me. YET XXXX XXXX HAS {$10000.00} FROM YARD CARD FOR AN ITEM NEVER ORDER AND NEVER SENT! 


As of today over XXXX later this item is being reported to my credit and I have NEVER received this item. 

TD retail XXXX XXXX failed to even ask Outdoor Solutions if an item had been ever sent to me. They have irresponsibly closed multiple disputes that I have submitted with no justifiable reason. 

Key points : - XXXX left key disclosures about regarding delivery until after being signed. 
- XXXX had no right to cancel clause - Contract indicated item is a " vehicle ' when it is not. 
- No proper financing disclosures provided - No consideration was made/no payment made- No item received - No proof any item was ever even available or ordered. 
- XXXX XXXX Financing for item was canceled due to non delivery - Many other consumers have reported online that XXXX XXXX is a scam company with junk products and YARD CARD XXXX just be supporting the scam. 

I have attempted to call the merchant directly. I have recorded calls. The merchant refused to talk to me and said I can only email. I have requested proof of ordering and that they even had the item. All emails have been ignored. 

XXXX : - TEXT MESSAGES TO XXXX TO XXXX XXXX - RCS CONSUMER XXXX DISPUTE FORM