Yard Card Consumer Reviews - Page 2

NOBLESVILLE, INDIANA -- We finance a zero turn mower in 2014 at zero interest for the life of the loan. We always pay 2 payments every month. Then I see some neg reviews so I got concern. We hold $400 on the card, so last month we sent the whole amount. I called them today. Said I have a zero balance so I'm quite happy. I give them a 5 star. Thank you.

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 online, 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 online 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.

I bought an "O" turn lawn mower at a local dealer in Coxsackie NY in the early spring. They financed it with 0% 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 online 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."

MAHWAH, NEW JERSEY -- 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".