Complaints for TD Retail Card Services in Columbia, SC

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
1	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
2	Unanswered

3 complaints against TD Retail Card Services

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12/16/2024

RESPONSE: Agreed to make an adjustment Amount in Dispute: $7,500.00 Amount Settled: $0.00

Customer Complaint

8/26/2024

Payment amounts have been incorrect for months on credit line. Customer service hasn't answered the phone in months on hours for 8 hours a day for weeks and td bank says they can't help even though it's through them. Resolution Sought I would like a call from customer service and have my issues corrected on my account.

Company Response

12/4/2024

Consumer states; We have researched your account. Based upon our review, your minimum monthly payment is due on the 16th of each month, and your billing statement cycles on the 21st of each month. Per the terms of your account, you agree to pay at least the minimum payment due by the due date shown on your monthly statement; there is no grace period after your payment due date. By signing for your purchase, keeping, or otherwise accepting the Card or Account, you agree to the terms and conditions of the Cardholder Agreement. A Copy of the Cardholder Agreement is enclosed for your records. Based on our review, your minimum monthly payment of $155 was due on 6/16/24. We received your phony payment of $155 on 6/18/24. As this payment was received after the due date, a $29 late fee was assessed to your account. Under the terms of your account, any late or other fees assessed during the baling cycle are added to your required minimum payment. Thereafter, your minimum monthly payment of $184 was due on 7/16/24. We received your phone payment $184 on 7/17/24. Thus, a $40 late fee was assessed to your account and is consistent with the terms of the Cardholder Agreement. Furthermore, per your request to Customer Service, on 7/27/24, we waived the $40 late fee assessed to your account on 7/16/24 as a courtesy. This credit adjustment is reflected on your August 2024 billing statement. Per Section 5 of your Cardholder Agreement, your minimum monthly payment includes any past due amount. As such, your minimum monthly payment of $350 was due on 8/16/24. We received your payment of $350 on 8/28/24. Thereafter, your payment of $505 was due on 9/16/24. However, per your conversation with customer service on 8/31/24, your payment of $350 was applied to your past due balance and no additional payments were due until your October 2024 billing due date. As confirmation, we received your payment(s) of $155 on 10/3/24 and on 11/3/24, satisfying the minimum monthly payment(s) requested. Please accept our sincere apology for the displeasure you have experienced when contacting customer service and for any inconvenience this may have caused. At TD Bank, N.A., our goal is to provide legendary experiences to every customer. We are sorry this was not your experience. Sincerely, Customer Service Department TD Retail Card Services

8/3/2023

RESPONSE: Complaint was not answered Amount in Dispute: $166.00 Amount Settled: $0.00

Customer Complaint

7/10/2023

I was making payments through my bank on this account. It's a new acct, so I did not realize that even though I was paying it on time my bank was not getting it to them on time. I called to sort it out and they said they would waive the fees and Each time I have paid I pay extra anyways. But they are not waiving the fees after I have paid and still telling me I owe the balance of 166 which is 1 month pay and the late fees and I have sent the proof of all my payments and it looks as though they are charging late fees for unpaid late fees and they just keep adding on to it and when I call they will listen and tell me they are transferring me to a supervisor and they transfer me back to the automated system and I have mailed them all the documents of proof as well. Resolution Sought Remove these fees as they stated they would. Do the correct math as I am actually ahead in my payments and remove negative reports against my credit. I have a 780 credit score. Why would I mess that up over an easy $58 payment a month. I have had no issues with any other business doing direct pay from my bank until this company.

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