Consumer complaint received 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
THIS IS NOT THE SAME REQUEST AS XXXX. This is NOT A DUPLICATE REQUEST. PLEASE READ IN ITS ENTIRETY to understand my complaint!!! 

I made a one time payment using the Yard Card credit card for {$400.00}. 

I immediately made a payment of {$400.00} and when I noticed that I owed an additional {$4.00} I sent a secondary payment of {$4.00}.

The YARD CARD refused to accept and post my payment of {$4.00} and for the past 12 months have continued to add interest charges and late fee charges instead of processing my payment for XXXX. 

I have contacted Yard Card many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is located because it was never returned back to me so that means the company has the check AND THE CHECK WAS NEVER PROCESSED THROUGH MY BANK SO DO NOT SEND ME ANOTHER REPLY via CFPB AND ASK ME FOR A COPY OF A PROCESSED CHECK BECAUSE I TOLD YOU THE CHECK HAS NOT BEEN PROCESSED!!!!! 

The check was never processed through my bank!!! 

However, I mailed the payment to the same address that I mailed the {$400.00} payment to and it was received and processed through my bank. 


On several occasions over the past year I have reached out to your company and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. LOOK UP ALL OF HIS CALLS RESEARCH XXXX XXXX ID AND THE DATE I GAVE YOU TO LISTEN TO THAT CALL ON XX/XX/2023. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. XXXX XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me by email regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023. 

Please send this complaint to your executive team. Someone is replying to my CFPB complaints but not reading my complete report to understand what I am conveying and is giving me a form letter type response. I never said the second check was cashed so there is no way I could ever send you a copy of a processed check.

Company response to consumer: Closed with explanation