- Report: #196261
Report - Rebuttal - Arbitrate
Complaint Review: Helpcard-HC Processing Center
Helpcard-HC Processing CenterP.O. Box 22112 Tulsa, Oklahoma U.S.A.
Helpcard, HC Processing Center ripoff Tulsa Oklahoma
*UPDATE EX-employee responds: So true, So true, So true, I'm sorry for what happened Pat
*Author of original report: Select Comfort craftmatic bed-HCprocessing Center ripoff
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My monthly payment is $85.00, interest free for 3 months, well 3 months have gone by and guess what? Like other consumers I have read about, I am being charged $2.50 a month processing fee, my $85.00 payment and this is the big one.a 21% finance charge of cha-ching $131.33. So now to keep on top of this bill I must pay $218.83.
I contacted Select Comfort and complained, first of all I was never told how much the finance charge was going to be, next.. I was never told about the processing fee. I ask to speak with the supervisor he stated I would have been given this information upon request? Hmmmm, I stated this should have been given to me before I walked out the store, Because, if I had been given this I would have walked out of the store without the beds!
What is this folks? Its Predatory Lending, and no good consumer should be victimized, it doesn't matter what your credit score is. No one has the right to take advantage of any good, hard working citizen.
Predatory lending refers to unconscionable lending practices that take advantage of vulnerable borrowers, such as the elderly or unsophisticated. The term also refers to the practice of convincing borrowers to agree to unfair and abusive loan terms. Such loans could take place either through outright deception or through aggressive sales tactics, taking advantage of borrowers' lack of understanding of extremely complicated transactions.
I rest my case.
This report was posted on Ripoff Report on 06/13/2006 05:32 PM and is a permanent record located here: http://www.ripoffreport.com/r/Helpcard-HC-Processing-Center/Tulsa-Oklahoma-22112/Helpcard-HC-Processing-Center-ripoff-Tulsa-Oklahoma-196261. 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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