- Report: #442633
Report - Rebuttal - Arbitrate
Complaint Review: Household Bank Credit Card And Account Secure Administrator Aka Account Securev-vAccount Secure Plus
Household Bank Credit Card And Account Secure Administrator Aka Account Securev-vAccount Secure Plus200 Somerset Corporate Blvd Ste 100 Bridgewater, New Jersey U.S.A.
Household Bank Credit Card - Account Secure Administrator - Account Secure UNEMPLOYMENT INSURANCE SCAM; THEY DON'T PAY THEIR CLAIMS; EXCUSE AFTER EXCUSE; WE LIKE YOUR MONEY BUT WE DON'T OUT.. Bridgewater New Jersey
Three years ago I was sent an offer to take out a HSBC Master Card. I elated to accept their offer as I was attempting to rebuild my credit. I did realize the interest rate was on the high side but again I was rebuilding my credit. As a single mother of three children this was a tremendous help with the cash flow too.
In one of the billing statements I was offered the Account Secure Insurance that would provide payment coverage for this card should I become disabled or unemployed. Feeling that I had been responsible for my debt by accepting this offer in the event either of these to situtions would occur I continued using my card. On March 31, 2008 I was laid off from my full time job in the insurance industry and some time there after I requested a claim form for my HSBC credit card and also the HFC loan I had taken out in January 2008.
Here's were things start to fall apart I waited for several weeks to receive these claim forms only to not get them. In June or July 2008 I again requested the forms be sent out. This time I receive two identical sets of forms but there is no clear explanation on the claim form of which form belong to which account. I then attempt to call phone number on the forms and have difficulty contacting someone. Not understanding what account the forms pertain to I complete one of the sets thinking its for the loan and file it. In the meantime I finally contacted a customer service person who was located in India and have had numerous conversations with them regarding the loan account. I have even gone to great lengths and contacted the local HSBC and HFC offices to assist me and they have had as much luck getting things accomplished as I have. Now this is where everything goes to hell in a hand basket.
As of the writing of this statement I received a letter of declination recently for my credit card claim that I was told to submit and explain what had transpired. Account Secure sited some bogus 45 days deadline to file clause that I have never seen nor read about in their claim form nor was I ever give an outline of what this policy covers or how it works. I called Account Secured today and was transferred to lil India again, imagine that, I spoke with a very nice gentleman named Kumar (which by the way tried his hardest to assist me but his hands are tied as he is in a call center with no direct link to the examiner) after his numerous thoughts of how to remedy this problem I am having he finally conceded in saying the claim was declined and that I could dispute it. OMG, its been a year since I started this process now I get to dispute the credit card claim. What amazes me is they have paid on the loan, however, they paid it incorrectly and I have been attempting to get the right dates paid and start a new claim as I was laid of this December from my full time position.
APPRECIATE ANY THOUGHTS, PRAYERS AND/OR SUGGESTIONS ANYONE HAS AT GETTING MY CLAIMS PAID...Thank you and God Bless
Ohblonde1 from ca
This report was posted on Ripoff Report on 04/10/2009 02:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Household-Bank-Credit-Card-And-Account-Secure-Administrator-Aka-Account-Securev-vAccount-Secure-Plus/Bridgewater-New-Jersey-08807/Household-Bank-Credit-Card-Account-Secure-Administrator-Account-Secure-UNEMPLOYMENT-442633. 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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