• Report: #387308

Complaint Review: HSBC - Household Bank

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  • Submitted: Sun, November 02, 2008
  • Updated: Mon, November 03, 2008

  • Reported By:Mapleton Oregon
HSBC - Household Bank
Po Box 5219 Carol Springs, Illinois U.S.A.

HSBC - Household Bank "lost My Payment" and another time took 11 days to post my payment! Carol Springs Illinois

*Consumer Comment: First things first -

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I believe that at this company there is a systematic plan to rip people off by "losing" payments and delaying payments. This has never happened to me before in twenty years of sending payments to other companies (many) in the US mail but has happened twice in the last year with this company. Once with HSBC Business solutions (I was told by customer service that the payment must be "lost in the mail") and once by Household Bank (a consumer account) took 11 days to post. And guess what? its the same company. The payment that took 11 days to post is sent to the same city that my sister lives in and it takes 2 days for letters to get to her (everytime!). Anyway it seems that it would be simple to statistically prove that an anomaly is present in mail being "lost" and "delayed" to this company (and all of its' branches) and not to other companies. It might also be possible to trace mail to the company or track a big population sample and see what happens. The company has a big financial motive to "lose" or delay our payments and it is doing just that, we need to stop it and make them accountable for this!

Mapleton, Oregon

This report was posted on Ripoff Report on 11/02/2008 09:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/HSBC-Household-Bank/Carol-Springs-Illinois-60197-5219/HSBC-Household-Bank-lost-My-Payment-and-another-time-took-11-days-to-post-my-payment-387308. 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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#1 Consumer Comment

First things first -

AUTHOR: Laurie - (U.S.A.)

You sent checks correct?

When did those checks clear your bank? That is the key to determine whether or not your payment was received before or after the due date.

If your bank paid the check before the due date - you have a proveable case.
If after it may be harder to prove your case.

I know of one other financial institution that has hundreds of similar complaints. They can provide proof the cc company received payment before the due date - yet it was not posted to their accounts until after the due date.
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