Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
b'I have been trying to resolve this with XXXX XXXX  for months.  They have denied this dispute XXXX XXXXimes, each time citing factually inccurate information and completely disregarding the dozens and dozens of pages of documentation that I have sent them to back up my claim.  Additionally, I have begged them to call either me or my daughter (and they now have a notarized document on file per their request authorizing them to speak with my daughter as I am XXXX  years old in XXXX XXXX).   At this point, it is clear that XXXX and TD Bank are complicit with a disreputable moving companyXXXX XXXX XXXX credit card dispute has been repeatedly denied based on documents that were signed weeks after the charge and\nafter the move occurred, under duress, while a moving company unlawfully withheld personal property unless\nsignatures were obtained.\nKey Facts\n Charges were processed before any disputed documents were signed\n Documents were signed only after the mover refused delivery unless compliance occurred\n Personal belongings were held in a California storage facility\n Documentation proving coercion and timing inconsistencies was submitted\n No meaningful human discussion has occurred despite repeated requests\nWhy the Denial Is Incorrect\nThe denial relies on the mere existence of documents rather than when they were signed, whether they were\nvoluntary, or whether they were legally valid. This contradicts basic consumer-protection principles.\n\nThe reopened complaint number with XXXX XXXX is XXXX XXXX XXXX XXXX.  The amount of the dispute is approximately XXXX\n\nAttachment A  Timeline and Supporting Evidence\nCustomer: XXXX XXXX XXXX XXXX XXXX\nMatter: Dispute involving West Coast Express Movers\nPurpose: To provide factual context and documentation supporting reconsideration\n\nChronological Timeline\n Moving services performed; belongings transported from California with delivery to Florida pending\n Credit card charge processed prior to execution of any disputed documents\n Belongings placed in a California storage facility controlled by the mover\n Mover refused delivery unless additional documents were signed\n Documents signed weeks after the move solely to secure release of property\n Belongings released following execution of documents\nEvidence Summary\n Credit card statements showing transaction dates\n Emails from the mover conditioning delivery on execution of documents\n Executed documents reflecting post-move dates\n Email correspondence submitted with the dispute evidencing coercion\n Records of repeated requests for phone discussion\nKey Context\nDocuments executed after services are rendered and under coercive circumstances do not reflect voluntary\nagreement. Reliance on such documents without consideration of duress results in an inaccurate dispute\ndetermination.\nElder Consumer Context\nDr. XXXX XXXX XXXX XXXX XXXX, currently in XXXX XXXX and has been a customer for more than two decades. Multiple\nassurances of a phone call to discuss this matter have not been honored.'

Company response to consumer: Closed with explanation