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TD RETAIL CARD SERVICES

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TD RETAIL CARD SERVICES Reviews (8)

• Aug 19, 2023

Stear Clear of TD Retail Card Services!!!
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.

• Aug 06, 2023

finance fraud
NEGATIVE 5 STARS...Paid my finance plan before the 23rd (the due date) and sent the payment in on the 19th they accepted payment on the 20th and it was deposited regardless they still charged me a finance fee for the entire purchase. I've disputed this with them 5 times they still continue to deny me the claim and make the adjustment and will call 5-10 times a day. I'm not paying! I work too hard as do others for them to unjustly pick our pockets they need to be held accountable immediately and slapped with huge fines and payback consumers if I'm paying attention how many others aren't? This has to stop now!

Would rate a zero
This company is nothing but a greedy scam company who charged outrageous late fees of $40 and Is not flexible on their 3rd of the month due date to make it easier for consumers to budget. I’m a senior on a fixed income, and my SSA check is not deposited until 2nd week of each month. I’ve explained this numerous times to CS reps to simply move my due date closer to the 10th of each month. Their unwillingness to be flexible with consumers is disgraceful and a ploy to keep people in debt and to line the pockets of this corrupt greedy company. Samsung is one of many large companies who use this company, and I will never buy a product from a company who is affiliated with these crooks. Buyer BEWARE

+1

Corrupt company with evil people
TD retail card services is absolutely corrupt division. They will modify or incorrectly input your payment account numbers so your payment will be NSF after making payment and charge you fees as they did to me, twice. Upper management will not reverse fees though it's their systems fault. They have no shame, stealing hard earned money from people. STAY AWAY FROM TD. I was warned and i'm going away from them. People with good reviews for them are their own people to camouflage their evil schemes.

+2

Why Samsung you destroy your reputation using this a**holes
Is the worse company I have to deal in my life, my husband is DEPLOYED I send my specific power of attorney to be able to deal with a problem in the account, they just ignored it and said they will not accept , that he has to call, hell I have barely speak with him in the last 2 months but this company expects for him to call to add me is INSANE it if your military or a military family DO NOT SPONSOR THIS A**holes

+2

TD Retail Card Services is the Worst!!
July 2020, I purchased a S20 phone from Samsumg using their financing option (TD Retail Card Svcs). They approved me for $1200 and the cost of the phone with tax came out to $998. I always pay my monthly fee on time but had encountered issues twice paying online. So I started paying by phone to avoid any missed payments or late fees. I made a payment on their website February 2021 thinking the online payment issues was resolved. Didn't know my payment wasn't received until I got a notice from Credit Karma stating my credit score dropped by 20 pts due to an increase in my credit card utilization up to 123%. That's ridiculous! I wanted to know how this was possible. On Credit Karma, it stated that my credit limit with TD Retail Card was reported $545 and my balance was $669. I was so annoyed with what I read on my account, I disputed the amount they had listed as my credit limit.

So after I disputed the credit limit amount with Equifax and Transunion, I call TD Retail customer service to find out why they lowered my limit amount. The customer service rep told me due to my return payment in Feb 2021, they decided to lower my credit limit. I had made 2 payments in Feb (one by phone and the other online). I told the Rep that I was still in good standing because I still made my monthly payment on time. Then asked why didn't they notify me of the credit limit change. She "claimed" a letter was generated to be sent to me but probably was still stuck in the system and wasn't mail out. It was total Bullcrap she was feeding me. If I've been making monthly payments on time and they knew it was an error with my bank account information on their site, why lower my credit limit just like that. I've never been late or missed any payments. I'm so disappointed in how TD Retail Card handled this situation.

So I asked for my credit limit to be increased by to it's original amount of $1200 so my credit score points can go back up, the Rep told me they will have to run my credit as a hard inquiry. WOW! They just screwed me over and now want to run my credit again. I told her "no way" and said I will just pay off the balance in 2 installments so I can be done completely with them. She processed my payment over the phone, which took 2 days to withdraw from my bank account. Next week I will make the final payment and they can kick rocks! I'm not using their services EVER and it's funny because I wanted to open a business account with TD Bank. But if this is how they treat their loyal customers, they I rather go bank with another bank who respects their customers. I hope people really think twice before doing business with them.

+1

Contact
I was trying to purchase a new phone thru Samsung and was unware that the financing was turned over to TD. A credit report showed up and not given a reason why it was turned down. Have tried since 01/21/2021 to contact and unable to get threw. Avg wait time over 1 hour each time

+1

I purchased furniture quite some time ago using a credit card provided by Ashley Furniture Homestore (TD Retail Card Services). I've done this before because it's easy to make payments and my experiences have always been positive. As always, I made scheduled monthly payment per agreement and made additional payments to avoid the deferred interest charge. So in short, the card was completely paid off.

Months later, I received a letter from the TD Retail Account Services Dept stating records indicated a past due balance on my account. I thought this must be a mistake on their end and immediately called in. Within minutes, I was told that the last $15 payment was "rejected" for some reason. So, long story short, I pointed out to them that rather than immediately reaching out via mail, phone or email (although a rep says they did), I was constantly assessed late fees? I asked for a manger to please call and was told one would reach out. I never heard anything. I placed yet another call to their office and was told the most they could do was waive 2 of the late fees but would still be responsible for over $60. I'm furious at this point and in disbelief as you can imagine over how things could have gotten this far. Again, I ask for a manger but I'm told one will contact me. After weeks of hearing nothing, I get another letter today with an increased amount on the account. So, I immediately call back in and I'm told a manger has tried calling me but my "inbox was too full". I've never received a call from anyone so I expressed that over and over. [Sidenote: Every rep I've talked to seems annoyed and unwilling to even appear to be understanding.] I asked yet again for a manager to please call. This time the rep blatantly says "well the decision is not going to change". I am absolutely disgusted at this time but maintain professionalism; something that has rarely been shown to me. I repeated her statement to make sure I heard it correctly and then asked for the managers name. She reluctantly provided the first name and then the last name at my request.

At this time, I just don't know where else to turn in regards to this matter. I'm not getting anywhere with customer service and in the meantime, I'm getting hit with ridiculous fees. I can not imagine how a $15 "rejected" payment can somehow turn into $135.01. I am requesting any form of help with this matter. Again, my experience with Ashley Furniture has always been a positive one. I've also used this card before, followed all guidelines and paid it off in a timely manner. IF a payment was rejected for whatever reason, I should have been 1) notified immediately and 2) given an opportunity to rectify the problem if it was indeed erroneous on my behalf. It is unfair to now, after all this time, say oh well, we tried to reach out to you or oh well, we tried to give you an opportunity to pay it. My payment history should speak for itself. I've never missed any payments and I've always paid the card off before time. I would have been willing then and I'm willing even now to pay the $15 as this is said to be the original dispute. To require anything more than that, however, is simply wrong and would cause me to never do business with them again.

Help Needed!
Srobinson

+3
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Description: U.S. Location:

Address: 1313 North Market St., Wilmington, Delaware, United States, 19801

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+1 (201) 818-6214

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