TD Bank US Holding Company Credit Card Complaint

TD Bank US Holding Company Credit card department,

Identity theft / Fraud / Embezzlement Michigan

Correspondence with Diamonds International ( DI ) began - -, 2016, it is now - -, 2016, with still NO resolution. It has been a runaround of emails with DI, having me jump through their hoops to basically 'stall ' me or 'wear me out ' I believe. I purchased an item in good faith and was 'taken ' for $6200.00! TD is the issuing bank for my Diamonds International credit card. On - -, 2016, I purchased, in good faith, a single Crown of Light diamond, - ctw, which was originally part of a set of earrings ( Referral -, - -, sold by # - ). Your store in - ( # - ) put this into my wedding ring. I have your appraisal and paperwork listing the USD value of this - earring 'stud ' alone, at $9200.00. I opened a DI credit account and have been paying on it since.


$5200.00. ( My original setting is valued at $2500.00. ) The DI Crown of Light diamond I purchased ( originally part of an earring set ) alone was 'valued ' at $9200.00 according to the DI " appraisal '' I received when I purchased it. ( The reason I had it appraised when I did was because my home insurance carrier required an appraisal which included ring and new stone. Initially I 'trusted ' the DI store, - - and " - - '' - shopping consultant who 'approved ' this purchase as being legitimate. ) DI response : " Our Terms and Conditions ( located on the back of your purchase receipt ) state that the diamond would need to be appraised by an independent gemologist or appraiser, whose sole business is appraisals only and does not buy or sell jewelry, and a copy of the appraisal must be submitted for review within 30-60 days after the date of the purchase. Since your purchase was made on - - 2016, you are unfortunately out of the warranty time for 3-4 months. However, I would like to know if you completed a formal written appraisal with your jeweler. " - -, DI Customer Service Representative. To say I was shocked and angered is a complete understatement. I was emailed an 'approved ' list of DI 'appraisers ' which INCLUDED JEWELERS! This makes absolute no sense to me! I contacted a jeweler from the DI website who was near ( yet - hours ' drive away ), who appraised the DI Crown of Light diamond alone at $3000.00. This appraisal was rejected by DI ( because it does not mention the - of - cut - even though the jeweler is listed on their website as a contact. I was told to obtain yet ANOTHER appraisal by someone they recommended ( a jeweler! ). I contacted one of the once again 'approved ' DI appraisers/jewelers who indicated that the - - cut is very similar, and was sent copies of similar diamonds with prices for comparison sake. The Crown of Light diamond I purchased in - was coming in about $3000.00. The 'appraisal ' I received when I purchased the diamond is, therefore, $6200.00 INFLATED! Of course, this all takes time since the customer representative must 'check ' with her manager first. I recently learned that my claim was actually closed on -/-/2016 and we were still corresponding!! I have so far contacted DI, - - -, the DI credit card and its issuer ( TD Bank ). No one has been able ( or willing ) to resolve this issue. - insists they can not do anything as the purchase was not made on their ship, yet their 'shopping consultant ' " - - '' held a formal presentation with fellow cruisers on board in a lounge at an appointed/scheduled time, of what shops to do business with, AND was present during this purchase ( and approved it ).