- Report: #919461
Report - Rebuttal - Arbitrate
Complaint Review: HC Processing Center
HC Processing CenterPO Box 829; Springdale, Arkansas United States of America
HC Processing Center HC Credit, HelpCard, HCP uses unfair practices and will take advantage if you are late on a payment by loading on outrageous fees until you owe 4 times what your orginal loan was. Springdale, Arkansas
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They reported my account to all three credit bureaus as charged off despite that I have been paying on it for 6 years, though I have had 5 delinquencies during that time period. A recent call revealed they won't change that status but will, once the debt is completely paid off, report to all three credit bureaus that I have a zero balance; which won't change a single thing because that is already noted on all my credit reports. I have several other current charge accounts listed on my credit reports that are all in good standing but because HCP won't change my charge-off status I have been refused credit.
I originally owed $1,400 and after paying over $2,000 for 6 years I still owe this company over $2,000. I have asked for a list of my payments and charges but have received nothing so I have no idea what fees they are charging me now. They simply send me a letter every month stating the amount they will deduct from my checking account.
If you value your sanity, good credit and peace of mind - DO NOT deal with HC Processing Center, HC Credit, The HelpCard.
This report was posted on Ripoff Report on 07/30/2012 02:13 AM and is a permanent record located here: http://www.ripoffreport.com/r/HC-Processing-Center/Springdale-Arkansas-72765-0829/HC-Processing-Center-HC-Credit-HelpCard-HCP-uses-unfair-practices-and-will-take-advantag-919461. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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