Consumer complaint received 2016-03-15
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Yard Card has been giving my husband and I the run around in terms of statements, payments, and a recent attempted balance transfer. When we first purchased our mower and had it financed by Yard Card, they never sent us a statement for our first payment. I finally found the number for the company, and when I called, I just made a payment over the phone. That is pretty unprofessional. Then, I called in XXXX 2015 to make a payment, and it stated I had " {$0.00} Minimum Payment Due '', so I assumed I had already made the payment. Then, a month later, I get a letter slapping us with more late fees, and they removed all of the available credit we had, so we were technically in the negative. I tried to transfer my Yard Card balance to a XXXX XXXX and the payment was accidentally sent to the incorrect address, so I, along with a representative from XXXX XXXX XXXX, did a 3 way conference call with a representative from Yard Card to sort the matter out. We told them what happened ( the payment was sent to an address for the company who ISSUES Yard Card, which is T.D. Bank N.A. ) and they provided the rep from XXXX with the correct address to send the balance transfer check to. My payment was due on the date we spoke with the Yard Card rep, so I asked if they would be willing to waive the late fee since I had never requested a late fee removal before. The " supervisors '' refused to waive the late fee, and said XXXX was responsible for reimbursing me because their balance transfer check was sent to the wrong address. SO, I went on my way and waited for the other check to be sent to Yard Card from XXXX to pay off my balance. My due date approached AGAIN ( a month later ), and I called Yard Card because they were still showing no balance transfer. They immediately sent me to the collections department, and told me that they do n't accept balance transfers. They only accept payments from a personal checking account! WHAT?! Someone literally talked to me AND a XXXX rep regarding the balance transfer. I requested to speak to a supervisor and the rep from Yard Card said there were " no supervisors '' ( although I had spoke to one the first time I called about this balance transfer ) and she refused to let me talk to someone else. She said the only thing she could do for me is " take my payment '' and I was given incorrect information regarding them accepting balance transfers. I kept telling her I needed to speak to a supervisor or I was reporting them, and she did n't seem to care. She just rudely sent me back to the main line that says : " For instructions in XXXX please press XXXX. Please enter your account number '' so she did n't have to deal with me being right and her being wrong. So here I am again, with a payment due that I was n't planning on having to make today. {$240.00} worth to be exact. I am beyond upset. This company is giving people the run around and they need to be shut down. I wish I would have looked at the reviews online before agreeing to finance through them. So many people are having the same problems as we are. I am appalled and upset ... .and I 'm a pretty calm person. They are crooks and try to collect as much money as they can from people, while being very unethical. I am not perfect by ANY means, and I have had a couple instances where I was a day or so late on payments ( either from calling the automated system too late or not noticing my payment was due on a weekend day ). I just want my balance transfer accepted so I can get rid of Yard Card! XXXX sent them a check - how hard is it to deposit a check? I 'm pretty sure they are ruining our credit score now as we speak. PLEASE help me resolve this matter. They are preying on innocent people and need to be shut down! **Discover is currently doing an investigation on the matter and filed a dispute*

Company response to consumer: Closed with monetary relief