Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge 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
State: FL

Complaint narrative:
I initiated a claim regarding merchandise received from XXXX merchants on XX/XX/XXXX. I provided specific details about the amounts for each restaurant of {$7.00} and {$13.00} and valid reasons why I was disputing the charges. The food quality was poor, dissatisfactory, needed to throw fatty chunks away, not fresh, spice level wasn't adequate when spicy food was ordered. Under consumer protections if I am dissatisfied with merchandise and attempted resolve matters with merchants and they don't provide resolution, the credit card company in this case TD bank should support buyer protections. The supervisor I spoke with on XX/XX/XXXX said that my documentation regarding my complaints got submitted, but I lost my disputing rights because it was determined to be invalid. I authorized the purchase, received the merchandise, and didn't return the merchandise, so that was it. 

I provided specific information indicating my dissatisfaction and how the amounts disputed were determined and calculated. It comes back to the poor food quality where my expectations weren't met and didn't comply with consumer protection and satisfaction laws. 

They asked me to provide documentation of a signed second opinion letter stating that the merchandise was unnecessary or incorrect. They asked for receipts or invoices when I clearly posted charges from the merchant transactions on XX/XX/XXXX. I attempted to contact the merchants by phone on XX/XX/XXXX without any answer or response. It's a XXXX XXXX XXXX from where I live to the merchants and they expect me to make an in-person visit to ask for a refund if I can't reach them by phone. I would spend more than the disputed amount in gas to try to resolve it with them and they could manifest poor customer service and say no on a refund or replacement merchandise. In the documentation, they also said the merchant must physically inspect the merchandise when that isn't possible with food that is over a month old, partially consumed, and thrown away. 

I provided relevant documentation of what I did have available even though it was unreasonable and impossible for me to provide the documentation they were requesting. It should be as simple as I made a reasonable effort to contact the merchant since driving in-person XXXX hours away isn't plausible. I was dissatisfied and provided the reasons for my dissatisfaction. Under customer satisfaction laws and Buyer protections, I should legally be eligible for a full refund. TD card services Supervisor on XX/XX/XXXX tried to say it's a business to business transaction with XXXX and that's not correct. It's a consumer to business transaction where I am the consumer and made a purchase in good faith with the business expecting good quality food and received sub-par quality food. 

The total disputed amount is {$20.00}. I am seeking a full refund and TD said I have no disputing rights at this point and that's not ok. I believe that's a violation of the law.

Company response to consumer: Closed with explanation