- Report: #66405
Report - Rebuttal - Arbitrate
Complaint Review: HRS, Household Retail Services
HRS, Household Retail ServicesCity Of Commerce, CA, California U.S.A.
HRS Household Retail Services fraudulent billing practices, egregious and phone late fees, interest rates, finance charges, no customer service dept, no one answers phone number..automated City Of Commerce California
*Consumer Suggestion: It sounds like you already paid this bill off--cut these clowns loose.
My payment due date was usually before the 15th of the month, and the date changed monthly. My payments were made faithfully. $52 each and every month, paid from 7-21 days early every month. The company continually claimed my payments were "late" and charged me most of the payment as late charges. I constantly wrote to complain, to no avail. I called their 800 number, but it is automated only and no number is given where you can reach a person to speak to. The automated computer would say my payment was received days before the due date, yet I was still charged "late" payments, which was almost the entire payment most of the time.
In June of 2003 they raised my minimum payment from $52 to $72 with no explaination. I thought it was an error, so paid my usual $52 payment. They took the payment as a "late fee", and the following month they raised my minimum payment to $92. In an attempt to straighten out my account, even though I knew I did not owe it, I sent in a payment of $144. $92 they claimed I owed as my monthly payment, and a $52 advance payment toward the next month so I would be one month ahead all the time.
Last week I received a notice that I now owed a $164 payment to get my account current, and was told I should contact their collections department "in light of my financial problems" to get the number of a debt management agency from them in order to avoid them turning my account over to a collections agency.
To date, I have made payments of $2068 towards a computer that cost $1942. I have paid $576 in interest and "late" charges, even though I was never late with my payments. They now state my balance is $849, which if I paid it, would mean I paid $1492 for the computer and $1425 in interest. That is not 26.9% interest, it's almost 100% interest!
This has to be legal, but I can't get a person to speak to me and straighten this out. I feel I am being ripped off and have little or no recourse. I need a champion who knows how to fight these sleeze bags and stop them from ripping people off.
Bonners Ferry, Idaho
This report was posted on Ripoff Report on 09/01/2003 09:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/HRS-Household-Retail-Services/City-Of-Commerce-CA-California-91716-0148/HRS-Household-Retail-Services-fraudulent-billing-practices-egregious-and-phone-late-fees-66405. 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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