I'm writing to you in regards to my Orchard Bank and House Hold Bank (HSBC) Credit Card Accounts. I'm having issues with over billing, bogus charges, inflated rates, and a run around scam.
For the last two years I have been subjected to fees that didn't pertain to my account. After many attempts to call and get this matter squared away and my account to be reimbursed the debit I was charged, It wasn't done correctly and to this day I'm still being charged amounts that don't pertain to my user activity.
First of all, there are charges called Account Secure Plus that have been added to my statement in the approximate amounts of $12.57 cents. After many attempts and months to get these amounts disputed and credited back to me, March of 2005, I finally got a representative on the phone from their company who stated that it was true I never authorized this protection plan and would be reimbursed the full amounts. It would take 2 to 3 months for me to get my money back so look for it then. If not call their company back and they would resolve the issue.
Several months go by and no I was not refunded the money. I was charged over limit fees due to this charge which also was suppose to be removed from my current statement. Further, when I was contacted from their company to make a payment by phone so I would not be considered late, I was informed I would not be charged for the over the phone payment. Later I noticed I was in the amount of $12.95.
Since I have been trying to dispute these charges for the last year and have always been met with the run around of numbers not working, disconnected, long periods of being put on hold, rudeness, and told to wait for months in advance for the corrections; only to find nothing has been changed and if anything charged more amounts due to maintenance fees and annual fees all while I'm trying to clear this matter up to pay this card off.
Starting May of 2005 I was charged for TLG charges which is suppose to be a subdivision of this bank authorizing $99.99 & $89.99 charges to my credit card for promo's they were offering. After receiving 5 of these debits on my account I had to start writing and calling this company regularly to get this matter resolved. I was informed that I had to call each separate phone number for the TLG charges and get a cancellation confirmation number so that I could call HSBC back and then they would credit me the amounts.
Hence, in November I started calling the TLG companies and each separate department to get these confirmation numbers. Some of the numbers didn't work, you couldn't get through, they hung up on you, and lots of run around again was met on my attempts to resolve this issue. After hours and weeks were spent to resolve these issues, I was finally successful at getting cancellation numbers.
Two months later, all but one has been restored to me. Now one of the accounts, TLG Auto, was only partially paid back to me and when I telephoned Orchard I was told they don't have my statements and don't have the numbers to credit my account or to research it so I have to send a copy of my statement to get the matter resolved. Now I find this suspicious because when you ask about the issue to another rep they can tell you exactly what is going on with my account and a willingness to charge me additional fees to send me a new statement. The odd thing is the dispute company doesn't have any records but yet they are the ones handling my account?
When you email the dispute department they have informed me they are looking into this matter and do have access to my account the problem is that it takes a long time and the company further charges you interest on the account along with other bogus fees. Once again, I'm getting the run around allowing them to keep my account open, it has been officially closed but I can't get the debit paid off because they keep adding more, so they can continually add charges to my account for an account with a debit. I can't close my account because then I can't get my money back.
I closed this account in November and now in January 2006 they have started charging my other credit card, HSBC, these same TLG charges of 99.99. I'm waiting to get reimbursed this debit and then will pay them off. However, the first account really needs to be investigated due to the gross negligence of professionalism and ethical standing a credit card company should be exhibiting during financial transactions.
Please help me to correct this matter. I'm tired of getting passed off, and the run around so that Orchard can continue to put bogus charges on my credit card statement without my authorization or knowledge of. This has become a never ending battle and even if I do seem to get some head way and matters are promised to be resolved only to find another issues has come up and once again I'm thrown back into the chaos when partial credits are restored and then further fees attached. This has been a never ending cycle for over a year now and I could really use the help of the state to get it resolved.
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