Walter E. Smithe review: TD Retail Card Services

Purchased a beautiful table from Walter E. Smithe using my WES card, except, because they had a new system, I had to take a hard hit on my credit for them to open a new card for me. With the new TD RETAIL card, it gave me a 20K limit because my credit is excellent. I’m only on my 4th payment, and have gotten 3 NSF charges because of them. While adding a banking source for my payments to come from, the interface into their system gives such a small view on the iPhone, and it’s not a logical system, I added a Credit Card account number, and it accepted it. It doesn’t give red flags if there’s a problem with your input. Any routing or banking numbers entered, even if the routing number doesn’t exist, this dumb system accepts. It takes them 3 to 5 business days, not including weekends, to retrieve those funds from the bank account. If there’s a problem, they KNOW IT but will communicate by way of paper letter through USPS and slap you with a fee. So I added a completely different source from which my payments can come from, and you can add a nickname to your source. When I was done, there were TWO of the same nick names in the drop down. Frustrated with the system already, I choose the top source to make a payment from. And I find out three business days later, I invariably chose a bogus one. But well before my payment due date, and familiar with their practices, I checked my bank institution to see if the payment was taken out, and into four days out, it had not been. So I called them again, to find out if there’s a problem with the account number (again) and they slap another NSF to my account, BEFORE my payment due date! The customer service rep was able to tell me right there on the phone that there was a problem with the routing number, and she walks me through how to delete all of those payment sources I had put in plus the one created by osmosis. She then gives me over to the automated attendant so I can make a payment, again before my due date, but I get another NSF added to my account. Apparently the automated attendant is more up to industry standard then the online payment method. Always talking with Customer Service they have the worst personalities! I guess they’re equal employment opportunities mean they hire people who are mad at the world and don’t care if they work. I do not like doing business with incompetent companies like this. No empathy at all. They will only reverse one NSF charge even when they misinterpret the problem, because funds ARE THERE! I would like to sue them for falsely characterizing the transaction. The entire system’s incompetency affects the customers credit, and their employees act as if they don’t care. It’s simple math, no good customer service equals them having no customers.