HSN - Home Shopping Network HSN checked my credit without my authorization and wouldn't tell me that they did Internet
*Consumer Comment: Brilliant idea...
My first order went through fine with no problem and then it was showing on their site as shipped. For this second order I called and was told by Terry that I could not be verified at my address. I said why couldn't I be verified when I just ordered from you all and it went through fine with no problem. She says I'm not sure this just came back for verification. She said she would need to ask me some "security questions". I said okay she asked me the questions then says unfortunately this order could not be processed.
I went online and saw that this order was showing Canceled CC declined. I started putting two and two together. The questions she asked where kind of like questions pertaining to credit. I then called back asking her again to explain to me why my order could not be processed but the first order went through fine. She acted as if she didn't understand the questions I was asking her. I told her that the questions she asked seemed like questions someone would ask to perform a credit check. I then started asking how did you get the info pertaining to a previous address where I lived and how is it that you have questions in regards to the last four digits of my social. I said it sounds like you all did a credit check. She still didn't admit to it. I said so if I want to order from you all again will this same thing happen. She said you can't order from us again your account has been closed. I said how is my account closed but then you all will have to take payments from my credit card (bank) until the first ordered is paid off. She just repeats that my account is closed.
I said let me speak with a supervisor. Jose answers the phone saying credit fraud department. I said what credit fraud department. I explained the situation to him and asked him to explain why my first order didn't need to be reviewed but my second did. He says with an attitude we can't tell you OUR POLICY but that's just what occured. I said okay so the questions Terry was asking me sound like a credit check was performed. Again he says we can't tell you OUR POLICY and he says my account has been closed. I said okay so when can I expect to see my money back in my account. He says for the second order that order has been canceled YOUR BANK is holding the payment not us. I say okay how are you all suppose to take my payments out for the first order that has been shipped. I say when will I receive credit for my first order. He says when we receive our merchandise. I have nothing to do with their merchandise. They sent it out and of course they know I don't have it because they can track the package. They never indicated that they did a credit check. On their site it states that they may do a credit check and that customers can call to inquire if they have. I asked did they do a credit check and they did not tell me. I did not authorize them to perform a credit check. On the site it says they "may" not that they are. I did not give them my social security number so how could they do it without me giving it to them. I will be looking into this to see if they performed a credit check without my authorization and if so they can and will be getting sued. I know what my credit is. If I knew they would do a credit check I wouldn't have attempted to order anything from them. The problem is why on their site would they say customers can call and inquire if they will check my credit and then when I call they won't to be rude and not tell me if they did.
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