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Terrible company to do business with! Stay away from Yard Card!
Posted by on 01/15/2010
It is an absolute nightmare dealing with this company. First, they never sent my first statement... apparently they had the wrong address but continued to want to charge late penalties! I have the original contract and the address is correct, they however entered the wrong address.

One month I called to make a payment by phone, their phone payment system just "coincidentally" was out of service for several days before the due date, making me and probably many people's payments late.

They refused to lift the fees even though it was their fault for not providing a way to pay by the due date. It should not be a consumer's responsibility to maintain a company's payment system.

They have no online payment system (Yard Card), so you are forced to deal with their rude employees who are disrespectful and if your payment is late by a few days they go on a phone calling spree calling you constantly all hours of the day, even after telling them the check is in the mail, they continue to harass you.

Their statements are impossible to figure out, I have already paid this company thousands of dollars and barely any of it is going to the amount I owe.

I have never dealt with such a blatantly awful company in my life. When you call trying to seek assistance about a problem on your bill, they instead of listening will constantly harass you to make a payment over the phone and ignorantly ignore everything you say.

Stay away from this company, they are unethical and very disrespectful.

This is not a TD Bank checking/savings account and does not have the perks such as online bill pay. It is a Yard Card, visit their site, type "Yard Card" in any any search engine to find it.
     
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Posted by Anonymous on 2010-01-15:
Posted by Anonymous on 2010-01-15:
This doesn't make any more sense than the first time you posted it. Online bill payment is a courtesy. You could have written a check and mailed it, or you could have logged on to your own bank and paid it. The fact is that you waited until the last mminute, and then their system was down. That's probably the reason you don't wait until the due date to try and pay it.
Posted by Anonymous on 2010-01-15:
"They refused to lift the fees even though it was their fault for not providing a way to pay by the due date."

Are you kidding? It's called a checkbook, an envelope and a stamp!

"It should not be a consumer's responsibility to maintain a company's payment system."

They never asked you to maintain their payment system. It's not the only method of payment they accept and it was your choice to wait until the last minute.

Take responsibility for your late payment and move on! And dont "@" me like you did at others on your previous post. This is not Twitter!
Posted by Anonymous on 2010-01-17:
@ProConsumer By penalizing people for their company's own faulty system is irresponsible. Not sure how this makes no sense to you.
Posted by Anonymous on 2010-01-17:
@KenPopcorn You would have to have dealt with this company to understand a lot of what you are saying simply isn't possible.
Posted by Anonymous on 2010-01-17:
@Shockwave, you're welcome.
Posted by Anonymous on 2010-01-17:
Pffffffft. PC is one of the most sane people I know.

Posted by DebtorBasher on 2010-01-17:
You don't know many people, do you MissMarple?
*Running from Pro*

Oh...wait...you know me!
Posted by Anonymous on 2010-01-17:
Forgive me for quoting 'Joe Versus the Volcano' again:

Patricia: My father says that almost the whole world is asleep. Everybody you know. Everybody you see. Everybody you talk to. He says that only a few people are awake and they live in a state of constant total amazement.
Posted by Zen on 2012-01-30:
I had an imposible time finding the owner of the loan and when I did I could not get an address out of TD Bank to send a Yard Card payment to. I then had almost the identical problem as described above trying to make an online payment. I did not see a bill until payments were two months overdue.
Posted by Trey on 2012-02-16:
I have had problems with Yard Card tring to charge late fees even though I mailed my payment 15 days in advance. I also have found thier customers service workers extremely rude and extremely long wait times.
Posted by Jan on 2012-02-21:
I agree 100% Yard Card is a scam! They never sent our 1st statement (same deal address correct on contract) and then immediately changed the interest rate from 0% to 20.9% for defaulting on the very first payment. No online bill payment? This is 2012. I paid the balance off ASAP and will not use this scam card again!
Posted by Yard Card Customer on 2012-07-31:
OMG THIS IS RIGHT ON THE MONEY....YARD CARD DOESN'T MAKE IT EASY TO PAY A BILL. I HAVE SEARCHED AND SEARCHED ON HOW TO PAY ONLINE OR ENROLL IN A AUTOMATED SYSTEM FOR AUTOMATIC WITHDRAWELS.....AND I REALLY BELIEVE THEY WANT TO CHARGE LATE FEE'S AND OR HAVE SOMEONE LOSE THEIR OFFER PROMOTION. IT WAS EASY TO APPLY FOR THIS CARD, BUT NEARLY IMPOSSIBLE TO PAY THIS CARD. I AM VERY UNHAPPY WITH THIS COMPANY. GENTLEMEN STATED RUDE THAT IS ALSO CORRECT, THIS COMPANY WOULDN'T ALLOW ME TO PAY IT OFF IN FULL.....SO YES I KNOW IT SOUNDS CRAZY BUT THE TRUTH IS THE TRUTH. THEY ARE RUDE.. AND THIS IS COMING FROM A CUSTOMER THAT HASN'T PAID ANY LATE FEE'S NOR EVER BEEN LATE ON PAYMENT...THIS COMPANY NEEDS TO MAKE IT EASIER TO PAY A BILL ONLINE, JUST AS EASY AS IT WAS TO APPLY FOR THE CARD. I REALLY BELIEVE THEY WANT PEOPLE TO FALL BEHIND, SO THEY MAY CHARGE LATE FEE'S. THIS IS ONLY MY THOUGHTS DEALING WITH THIS COMPANY, I HAVE DEALT WITH MANY COMPANIES AND THIS IS THE ABSOLUTE WORST ONE EVER. OR I WOULDN'T BE HERE NOW STATING THIS. THANK YOU
Posted by BZ on 2012-08-08:
Horrible, horrible company! The same thing happened to me. First statement I received was billed twice, was told to "ignore" until I received a corrected statement. Low and behold I had to call them to ask where the corrected statement was and they indicated they had mailed it that day but it is "past due". Explained the situation and was simply told "there is nothing we can do." Paid each statement as indicated in the "pay this amount" box to only recieve the next bill with a late fee of which they will not credit/waive even though they received payment in plenty of time. From comments by others here, this is standard procedure for them. STAY AWAY FROM YARD CARD!! No matter what a merchant tells you about them, don't trust that they will do anything right. I am going to file a complaint with the Attorney General's Office.
Posted by Carolyn Sykes on 2012-09-13:
From my understanding the Better Business Bureau has dropped them. Yard Card and the TD banking payment system SUCK and in my opinion are running a scam! They changed their banking system in May and June 2012, just when a promotional item was due to be paid, and made it impossible to make payments, other than a minimum payment for about a month. It was extremely time consuming to get back on track and pay by auto pay. In the meantime $368 was charged interest, then again, not being able to see an activity statement on line, they imposed another $369 in interest to the bill. Their comment, "They are valid charges in accordance to the purchase agreement!" Yes, if they hadn't changed their payment system, my scheduled payments would have been made on time. They insisted that they sent me paper statements and e-mail flashes. They did not. When I sorted out the new payment plan, I went paperless. When I received info from them each month, other than the payment window, everything else was unavailable to view. You can see it now, but not back in May, June and July. I would have to call to get a balance and find out where I was at. Two out of three times i was on hold for more than an hour. They gave another excuse and said that their prompt to pay on line is available 24/7. It is now, but it wasn't then. They truly have their head up their asses and take no responsibility for inconveniencing their customers during this time frame. Also, when making a purchase, Yard Card financing charges $100 to set up a payment plan, on top of 28.99% interest. They truly suck! Stay away from YARD CARD and TD Bank, unless you want a headache.
Posted by Tyi on 2012-12-05:
I have had this card for 9 months and have never had a problem. They send me a email and paper statement every month, I most time pay by phone and it is simple and qick. Never no need to talk to anyone. and yes i aways pay more than the min. payment.
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Payments
Posted by Home59918 on 09/24/2011
I bought a "O" turn lawn mower at a local dealer in Coxsackie NY in the early spring. They financed it with O% for 3 years through a company named "Yard Card" from Mahway NJ.
I have had nothing but problems with this finance company from the beginning. They don't have an on line payment program, so you have to mail the payments in. The very first payment was late because they didn't get me the paperwork to mail the payment to until it was late. Then right from the start, I was charged a late payment of 39.00 and was probably reported to the credit agency. I mailed the next payment on time, ( a week before it was due ), but they didn't credit my account until it was one day late. Again another late payment charge. To my surprise, the 3rd payment was credited on time, cause I mailed it 2 weeks in advance. Well the last payment I mailed 6 days before it was due still hasn't been credited to the account, making it 8 days late.
This company is no good in my opinion, and I have now read other reviews from customers using this company, and they all feel the same way. If you plan on financing yard equipment in the future, please do yourself a favor, and don't use the company called "Yard Card"
Paul Brandow
710 Medway Earlton Rd
Earlton, NY 12058
518-731-6978
     
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Posted by Alan on 2012-01-28:
I have the same deal, I mail a check over a week ahead of time, they do not post the check till after the due date so they can make an extra $35.00 late fee. I guess the 1% was not good enough for them, I have never been late on any bill. Never agian will I use these guys!!
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Bad Customer Service
Posted by No2 on 05/13/2011
Yard Card customer service it terrible. Do not do business with this company. If you have a problem, they will not help you.

Yard Card will post payments as late and charge fees and they will not reverse them.

Yard Card customer service representatives will tell you that you are "ignorant".
     
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Posted by Fufu487 on 2011-05-14:
I would like to hear more about this problem if you don't mind. Was your payment, indeed, late? What was the problem they could not help you with? What words were being exchanged with the associate at the time he/she used the label 'ignorant'?
Posted by Alan on 2012-01-28:
Same here, I have been charged late fee's 4 times in last year, I make sure I send payment next day, because if I send it 10 days early it will not be posted till the day after due so they can charge me late fee's.
Posted by okie on 2012-05-29:
Yard card customer service will make you sit on hold (me for up to one hour) then you have to leave a message. they have changed web sites and are forcing people to give sensitive information over the internet. If you can set it up with your bank to make the payments and don't use yard cards web site. They are a security risk for identity theft.
Posted by Smackers56 on 2012-11-13:
I also have had a very difficult time with their online bill pay as it never seems to work properly. I have tried to contact them by phone to speak with someone about the problems and it is difficult finding out what number to use. When the web bill pay does work, it sometimes looks like you haven't paid in a previous month when I have, in fact, never missed a payment. I have never had such difficulty with any bill paying website as I have had with Yard Card VIII. I have tried for three days to access the bill pay site on two different computers and indicates that the website is not available. Maybe they don't want my money any more.
Posted by tim k on 2013-09-19:
They totally lied about charging my card. Do not trust these scam artists...
Posted by SteveB on 2013-11-18:
I bought a Snapper Riding mowing in Oct 2012 and used a Yard Card (no interest for one year). I paid them electronically thru my bank always two days before it was due. I just recently paid it off and i had no issues during the year. No late fees etc. I even called customer service to reset my password. They were very nice to me. I never had any issues. I just wanted to get the word out there that not everyone has had issues with the YARD CARD.
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0% Financing
Posted by Temple_jb on 12/12/2012
MAHWAH, NEW JERSEY -- In May of 2012 I made a purchase of a Zero Turn Mower. The dealer said that he had a company that would finance the purchase for 0% for 48 months. I said lets go for it. I received paper work from Yard Card stating that my due date was the 14th of the month. I use B. O.A. online banking and have done so for years. I set up my bank to pay on the 8th of the month. The first month, June, went fine, just like it was supposed to do. Just like all my other payments have done over the last 6 years. Then the 2nd month came by and then that is when Problems started. B. O.A. sent the payment on July 9th it was delivered on July 12, was subtracted from my bank account on the same day. But guess what TD Ameritrade, Yard Card didn't apply my payment until July 26th making the payment of course late and they of course applied a late fee $38.00.

The next month B.O.A sent them my regular payment it was sent on Aug 7th delivered on Aug 9, withdrawn from my account on Aug 9th but again this payment set around somewhere until Aug 13 th when they finally applied the money. This month since I only paid the regular payment and not the late fee another late fee was charged, and this time they sent me a letter telling me I was past due. I thought this was just some simple accounting mistake because I knew I had made all the payments before the due date of the 14th. I looked up my payment history on this account and that is when I found that only the 1st months payment had been applied to my account on the date that my money was taken out of my bank account. The other months the payment was applied randomly but only the one in July was applied after the due date. I then checked my other bank payments and found that every one of my payments were applied to my accounts on the day the money was taken from my account. Every single one of them Month after Month after Month my payment was applied to my account on the day the money came out of my checking account.

So I thought something is just going on here and I can call TD Ameritrade Yard Card and get this fixed and we'll be on our way. No problem.

Man was I wrong. They blamed me for the July payment being late. They could offer no explanation of where my payment was from July 12th when it was taken out of my checking account until July 26th when they finally applied it.

They could offer no explanation for the other months payments that were not applied on the day funds were withdrawn. I spoke to several other individuals at the Mahwah NJ office and got the same line from them all. The late fee for July stood and the other months late fees did to, even though every payment I have made to this company have been taken from my B.O.A. account days in advance of the due date. So I turned it over to B.O.A. My bank was finally able to get TD Ameritrade to drop the July late fee but could not get them to drop the other months late fees. I have called them several times and they tell me that getting the $$$ to them on time is my responsibility. Short of hand delivering this payment I can't see how I could get it to them any better or faster. They give me the same kind of speech like the ones at the start of this blog back from 2010. So I would probably guess those bloggers work for the company. So I wouldn't pay much attention to their remarks.

Finally today was the last straw. I sent them 2 payments. One for the regular monthly payment and one for all the late fees. They were both taken out of my account on the 8th. The payment was applied the late fee payment was not. Another late fee added on.

After what all I have read about this company. They are a real piece of work. I am now looking for an attorney to file a class action against them.
I am sure I am not the only one to fall into this 0% for 48 months scam.
     
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Posted by At Your Service on 2012-12-12:
A well written and interesting review.

One question comes to mind as to the deductions from your personal BoA account: Does the deduction or withdrawal occur when the 'check is cashed' by Yard Card or is it more like cutting them a cashier's check and the deduction show up as a check being sent to them, but not necessarily cashed?

It sounds to me like you have an excellent argument. My only hesitation would have been that you agreed to pay them these late fees. That's almost as if you backed down and agreed with their side of doing business.

It may sound a little crazy, but I've found an easier way to deal with such disputes than arguing with their billing department over the phone. Sending a physical check as a monthly payment, I place an 'endorsement contract' on the back of the check. The contract, in this case, would be that by endorsing the check, they agree that the payment was received on time and no further charges would be applied to the account. Contracts, including one such as this, are not able to be unilaterally changed. Because of this, if the check is to be endorsed and applied toward the account, they have to agree to the terms on the back of the check -- they are not allowed to cross out the contract and then endorse it; this would be the same as still agreeing to said terms. In a nutshell, it throws a wrench into their processes and basically forces them to accept the terms or reject the payment. If they try to apply these bogus late fees, the proof is documented in the acceptance and endorsement of the contract.
Posted by clutzycook on 2012-12-12:
That's a lot of stuff to write on those three little lines on the back of the check. Unless you go below that "do not sign below this line" line.

The problem I have with sending a physical check is that you have to send it through that giant black hole known as the USPS. My suggestion to the OP would be to pay the bill through the Yard Card's website if possible. I've found that paying that way on different cards makes it process a little faster.
Posted by At Your Service on 2012-12-13:
It has actually worked very well for me clutzy. Using a six point font allows a considerable amount of text; at least enough for an endorsement contract. Include a cover letter with the payment, explaining the issue and what needs to be resolved. It solves being on the phone for who knows how long, transferring from one person to another. It really is like throwing a wrench into their system and, if done properly and with reasonable expectations, I've never known a company that wouldn't rather clear up the issue and deposit the check.
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Yard Card and TD Banking is a Scam
Posted by Cwsykes on 09/13/2012
DETROIT, MICHIGAN -- From my understanding the Better Business Bureau has dropped them. Yard Card and the TD banking payment system SUCK and in my opinion are running a scam! They changed their banking system in May & June 2012, just when a promotional item was due to be paid, and made it impossible to make payments, other than a minimum payment for about a month. It was extremely time consuming to get back on track and pay by auto pay. In the meantime $368 was charged interest, then again, not being able to see an activity statement on line, they imposed another $369 in interest to the bill. Their comment, "They are valid charges in accordance to the purchase agreement!" Yes, if they hadn't changed their payment system, my scheduled payments would have been made on time. They insisted that they sent me paper statements and e-mail flashes. They did not. When I sorted out the new payment plan, I went paperless. When I received info from them each month, other than the payment window, everything else was unavailable to view. You can see it now, but not back in May, June and July. I would have to call to get a balance and find out where I was at. Two out of three times I was on hold for more than an hour. They gave another excuse and said that their prompt to pay on line is available 24/7. It is now, but it wasn't then. They truly have their head up their asses and take no responsibility for inconveniencing their customers during this time frame. Also, when making a purchase, Yard Card financing charges $100 to set up a payment plan, on top of 28.99% interest. They truly suck! Stay away from YARD CARD and TD Bank, unless you want a headache.
     
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Posted by trmn8r on 2012-09-13:
I don't know most of the details, but my guess is that the root cause of the problem you experienced was the auto pay setup. Auto pay is great once it is arranged. However, stopping it or changing it needs to be planned in advance, due to the way the electronic banking system works. This is true for all banks, I believe.

I don't believe you will be able to prove that they changed their "system" to scam customers who were on autopay, and it seems unlikely that is the case.

How much notice did they give you?
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Terrible company to do business with! Stay away from Yard Card!
Posted by Cwsykes on 09/11/2012
DETROIT, MICHIGAN -- I too, have had a nightmare dealing with this company ever since I received their card. When I received their paper statements, there was always something that I had to follow each month, because of the way they calculate their interest charges and divide up the payments. I had a promotional item that I paid $100 to set up interest free for one year due in June 2012. In May of 2012 they stopped receiving auto pay and when I phoned to inquire about it, many times not being able to get through, sometimes on hold up to 2 hours, they prompted me on how to set up the new account. After much time and effort, I tried to arrange auto pay, but by paying with the new system, it would only pay the minimum amount. They also sent me an e-mail to make a payment, but it would only allow me to pay the minimum of $151. Each month I pay $380, which should cover my promotional purchase and then some, but now it doesn't, because with their 28.99% interest charges and the previous interest charge amounting up.

They have everything to gain by being deceptive. They set up a new system in May and stopped my auto payments. In June a promotion had ended. I called in May to explain that I had a promotion ending in June and want to make sure that I have the payment covered. They said that I made a payment and I don't have any further obligation at this time. When I explained that I haven't paid enough to cover the balance due, they explained that it will be noted when they get their system fully up and running it will be sorted. I only owed an additional $107 and if they had let me pay $380, I would have been covered. Because I only paid the minimum amount, which was all that they would allow at the time, I was charged $368.89 in interest for that promotion. Since that time, I now have another $370.39 charged from the second purchase made last year. This is a result of a) stopping auto payments, b) not communicating or c)not mailing me a statement as they claimed to have done. They did not because when I set up the new account I opted for e-mail statements. It is a factor of all the above. Their right hand didn't know what the right hand was doing. Today was the first day that I have been able to review a statement, which is how I found out about the interest charges. I spoke with a representative and a manager and they both repeated repeatedly, "The interest charges are valid in accordance to the purchase agreement."

Would you want to give me back $738.89 and waive those interest fees if you could find a way to keep it? They were irresponsible in setting up their new web site, payment system and not providing a visual of the account's activities. As I mentioned today was the first day I was able to review my purchase history and see any type of activity on line, other than to make a payment. Now GT accounts, who finance the Yard Card accounts are up and running and will take no responsibility for the grief they have caused me, the consumer, while they were rebuilding their system. They were impossible to get a hold of by e-mail or phone. They mentioned that I could have sent a payment by mail. Yes, I could have. But, since I was set up to pay on line, I should not have had to. They aren't taking any responsibility in admitting that by building their new infrastructure they actually inconvenienced a lot of people. There should make an acceptance to provide waivers during May and June of 2012, when they were rebuilding their system.

Yard Card and TD Bank are not worthy of honest people's business. I pride myself on paying my bills each month, but they are a force to be reckoned with. Stay away from them unless you want a lot of grief!
     
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