TD Bank review: TD Retail Card Services 1

I opened an account with Samsung Financing which is run by TD Bank Retail Card Services for the purchase of a Samsung Refrigerator. What a mistake! Both companies are poorly run and have refused to do what is right. The refrigerator was damaged by the delivery drivers at delivery which I noted on the delivery ticket. I contacted Samsung to get the damaged panels for my refrigerator replace and Samsung said I have to call another number to get the panels replace. So we called the Samsung number and it stated, "This Samsung number will be no longer in services as on October 1st, 2022". This was Early to mid September mind you and the number was no longer in service weeks prior to 10/01. So we called the other costumer service number to escalate the matter and every time we were directed to the out of service number. We even tried on-line chat and hours and hours on the phone to no avail. So on October 20th, 2022 I disputed the charge with TD Bank Retail Card Services. They said it could take up to 90 days for the dispute to be resolved. I did not heard anything except for one letter in November of 2022 stating the dispute is under review, so I called TD Bank Retail Card Services in January of 2023 to see what the verdict was. The operator said the rejected my dispute and sided with Samsung. I ask why and they said we tried to call you and could not get a hold of you so the dispute was denied. I asked did they leave a message, because I never received a message from Samsung or TD Bank? They said they didn't know. I went back through my phone records and see one call from them and it was for 1 minute or less. If they did call they never left a message. How do they have the right to deny me based on a phone call, why did they not provide me with a letter? I have no clue? The best and most strategic part of their system is the 90 dispute policy, It put me outside of the return window and now I am stuck with a damaged refrigerator I have to pay for. Well I refuse too and now my credit has gone from a 817 to a 680. I will never use TD Bank or Samsung ever again! I am going 100% out of my way to let everyone I know to not do business with them either of these bad actors.