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I purchased a used guitar (w/ my TD Bank Visa debit card) from an online music shop outside my home state that was on consignment, understanding that there is a no-return policy on consigned items. It arrived with significant non-shipping related damage requiring repair to be playable, with an estimate totaling $250-300 to address just the issues that the owner failed to describe. He refuses to refund any amount over $100 despite documentation of the repair estimate. Is there any recourse to have the actual cost covered as it is likely three times more than the owner is willing to refund that does not require legal action?
October 28, 2016 08:30:51 AM
In reply to James, Brooklyn
Thank you for reaching out on TD Helps, James.
Please know that you do have the option to file a Regulation E dispute with us. To do so, please feel free to call 888-751-9000, 24/7 to speak with one of our Banking Specialists. After account verification they'd be more than happy to review your account transaction with you and they'll also be happy to file the dispute while you are on the phone with them. Additionally, you may visit us at any TD Bank Store, during lobby hours to file the dispute in person. For a listing of TD Bank Stores please see here: http://go.td.com/1f9DSJR.
Hope this helps, James. Have a good one!
LiShu R, Mount Laurel
October 28, 2016 08:31:06 AM