The Consumer Complaints Blog

This complaint concerns TD Canada Trust and IQOR, which apparently is a collection agency associated with the bank. In October of 2008, I finally switched my accounts from TD to a local credit union in October of 2008. I had had the TD-Canada Trust account for years – it was originally a Canada Trust account. I was of the understanding that my TD accounts would be closed for me by the Credit Union, and this belief was reaffirmed by the fact that since October I received no further statements or correspondance from my former bank.

I recieved a letter dated March 20, 2009 from IQOR stating that my account has been assigned to their office for immediate collection. The letter referenced my old checking account number and stated that the client was TD Canada Trust. I recieived a second letter dated March 31 noting my failure to respond, as well as phone calls. IQOR claims that I owe $184.73 immediately. I can only assume that these charges relate to accumulated fees and charges on my former account. Conveniently, I can still make this payment at any TD branch office, which makes me wonder if the debt has truly been assigned to IQOR as a collection agency or if IQOR and TD Canada Trust have some other type of working relationship.

I could simply make this payment, but as far as I am concerned the account has been closed and I owe them nothing. At the very least the account has been totally dormant so to what do these services charges apply? Why did the bank not send me statements, or notify me earlier instead of letting the “debt” run up. Again, I heard absolutely nothing from TD Canada Trust or IQOR until I got demand notices and phone calls from the latter. I’m very upset as this will no doubt harm my credit rating, and simply rolling over and sending them a check will do nothing to stop TD from continuing to act in this callous way.

I realize that the banks have internal dispute resolution departments in place, but I am loathe to use them since the bank obviously felt no compunction to deal with me in a timely manner. If anyone has faced an issue like this or has advice on the best way to deal with it, I would love to hear it.

Disclaimer
This article was submitted by one of our readers. Penciltrick cannot make any claims as to its authenticity but the article was accepted on a good faith belief that it is an accurate and truthful account of the events listed.

I recently purchased a $10 international calling card on ozprepaidcards.com.au so I could ring to South Africa. After registering for the service it took 2 weeks to get my activation code in the post. After activating this and finally figuring out how to find where the access numbers on are on the site I attempted to make a call. The initial call connected through to a wrong number, when I tired again the service just rang out. When I dialed in again I discovered my credit was all used.

So basically I spent $10 for less than 10 seconds of calling to a wrong number.

I felt obligated to report this so I could prevent this happening to anyone else.

Disclaimer
This article was submitted by one of our readers. Penciltrick cannot make any claims as to its authenticity but the article was accepted on a good faith belief that it is an accurate and truthful account of the events listed.

My wife and I took a little road trip over the weekend and stopped for lunch at Mo’s Steakhouse located at 7 Ogle Industrial Park Rd. Vevay, IN 47043 (812) 427-2444 .

They advertise a 10 oz. “Mo Burger seasoned with jalapenos and cilantro”. Doesn’t it sound delicious? We both ordered the “Mo Burger”, well done, which includes potato wedges. There were approximately 12 to 14 people (mostly a group of bikers, not the gang type, just a group of people that apparently enjoy the open road) in the restaurant when we arrived. The waitress came back to our table 30 minutes after ordering and apologized for the delay stating they were “busy” and offered us some “rolls”. Yeah, I’m waiting 30 minutes for a burger and I get offered bread. If a lunch crowd of 14 at 1:30 pm is busy, what do they do about a dinner service?

Anyway, our food arrived 45 minutes after ordering. The burger looked like a 10 oz burger, nothing special and 4, count them, 4 potato wedges. I cut the burger in half to find it cooked barely medium and the wife’s was a little more done with a distinctive streak of pink through the middle of the patty. This is NOT well done. We wanted to get back on the road so we decided to eat the burgers, mostly around the edges which were a little more done than the middle. When we were ready to leave, the waitress stopped by our table to see if we wanted anything else. We showed the waitress the red meat and told her the burgers were not well done and there was not even a hint of jalapenos or cilantro seasoning. The waitress then proceeded to inform us “they use other seasonings too and the juice from the jalapenos and cilantro dye the meat and it just looks that way. Believe me, it’s well done.” I asked her where she got such nonsense and she told us her boss, Mo, told her that. Being a cook myself for many years, I felt it my duty to school this young lady about honesty and common sense. Too bad Mo wasn’t there for the class.

When we left, the hostess / cashier was at the register talking to what appeared to be a cook about the delays in service. I handed her my check and my credit card. She processed the transaction, handed me the receipt and a pen, I signed it and handed it back to her, and she handed me my receipt all while totally ignoring me and talking to the cook. Not a “How are you?”, “Was everything ok?”, I heard your dining experience at Mo’s Steakhouse was a disaster, I will deduct a little off the bill”. Nope, nothing but dishonesty, rudeness, and arrogance.

Ps. Hey Mo, ever heard of a thermometer? I suggest you start using them. It’s 160 degrees or above for “well done”.

Disclaimer
This article was submitted by one of our readers. Penciltrick cannot make any claims as to its authenticity but the article was accepted on a good faith belief that it is an accurate and truthful account of the events listed.