Yard Card and TD Banking is a Scam
Purchases - Complaint
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.