- Report: #723586
Complaint Review: HSN - Home Shopping Network
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| HSN - Home Shopping Network
Internet United States of America |
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HSN - Home Shopping Network HSN - Illegally accessing credit report of consumers , Internet
*Consumer Comment: FLEX PAY CREDIT CHECK HSN NO APPLICATION TO FILL OUT!!
*General Comment: Flex Pay w/HSN
*Consumer Comment: Yeah
*Consumer Comment: HSN UNAUTHORIZED CREDIT CHECKS
*Author of original report: HSN - Ilegally Accessing Credit Report
*Consumer Comment: Sorry but
*Consumer Comment: HSN-59 REPORTS FOUND TODAY!
*Consumer Comment: no damages
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April 24th 2011, purchased a camcorder through HSN using flex pay. On the same day I purchased an ACER computer using the same bank card and same flex pay. HSN charged my bank account over $200 and then called me several days later to tell me that they had canceled the ACER computer. That they could not do the flex pay on the computer because they had ran a credit check through Experian.
HSN was never authorized them to run a credit report. They can be severely fined for violating the FCRA, especially if they have committed these violations numerous times which I am sure this is the case after reading other RIP off complaints.
Secondly, I have a freeze on my credit reports so they should have had no way to obtain a copy of my credit report from any of the three credit bureaus. Therefore, the credit bureaus are in violation and subject to being sued.
What they are doing is totally illegal. Thanks goodness for the RIP OFF report website so that you can search these types of issues to see how many other consumers have been victimized.
If you have been victimized by HSN, I urge you to file a complaint with the BBB and the Federal Trade Commision. Also call the credit bureas. I am working on finding an attorney to file a class action law suit againt HSN & the credit bureaus. I am also researching to see what type of penalities and fines can be imposed against HSN and the credit bureaus by regulatory agencies.
I really want this to cost them in the pocket book as this is totally wrong and illegal.
If you are an attorney and read this please contact me if interested in pursuing this as a class action law suit.
This report was posted on Ripoff Report on 04/29/2011 09:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/HSN-Home-Shopping-Network/internet/HSN-Home-Shopping-Network-HSN-Illegally-accessing-credit-report-of-consumers-Intern-723586. 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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Search Tips#1 Consumer Comment
FLEX PAY CREDIT CHECK HSN NO APPLICATION TO FILL OUT!!
AUTHOR: Deb - (United States of America)
SUBMITTED: Monday, July 09, 2012
#2 General Comment
Flex Pay w/HSN
AUTHOR: suzanne77 - (United States of America)
SUBMITTED: Sunday, July 08, 2012
FlexPay is a convenient way to purchase the items you want without breaking your budget.It's really quite simple. Choose the FlexPay option, and the cost of your purchase is divided into as many as five equal monthly payments.At the time of purchase, we will bill your credit card for the first monthly installment plus tax and shipping and handling fees. The balance is then automatically billed to your credit card in equal monthly installments beginning 30 days after the original order date.It's easy, convenient and HSN does not charge any interest or fees!*FlexPay orders may be subject to credit verification by HSN and HSN may review the credit report. You may contact the HSN Credit Department to inquire as to whether a credit report was requested and the name and address of the credit reporting agency that furnished such report (if applicable).When it comes to shopping convenience, HSN delivers!*HSN does not assess interest charges or fees on FlexPay. However use of a credit card for FlexPay options may result in interest charges in accordance with the normal terms and conditions of your individual credit card agreements. FlexPay is a payment option offered by HSN. FlexPay is available on all credit card pay types.
This information is provided on HSN.com website, hope this helps.
#4 Consumer Comment
HSN UNAUTHORIZED CREDIT CHECKS
AUTHOR: Deb - (United States of America)
SUBMITTED: Saturday, June 30, 2012
#5 Author of original report
HSN - Ilegally Accessing Credit Report
AUTHOR: Michael DeVille - (United States of America)
SUBMITTED: Sunday, May 01, 2011
What application are you referring to?
The only issue here is why they shipped the Camcorder BEFORE checking your credit report and approving you for a card that was later denied.
#7 Consumer Comment
HSN-59 REPORTS FOUND TODAY!
AUTHOR: mr rik - (USA)
SUBMITTED: Friday, April 29, 2011
