TD RETAIL CARD SERVICES Reviews (8)
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TD RETAIL CARD SERVICES Rating
Description: U.S. Location:
Address: 1313 North Market St., Wilmington, Delaware, United States, 19801
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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.
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