• Report: #510100

Complaint Review: Household Bank - HSBC - Orchard Bank

  • Submitted: Fri, October 16, 2009
  • Updated: Fri, October 16, 2009

  • Reported By: bp — cambridge Vermont USA
Household Bank - HSBC - Orchard Bank
wood dale, Illinois United States of America

Household Bank - HSBC - Orchard Bank Watch your online payments wood dale, Illinois

*Consumer Comment: You already explained it

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Here is another good scam from this company. Say your payment is due on the 18th. You go on - line on the 15th to make a payment. When you go to submit, a message comes up saying that " your payment will not post until the 19th " which you will get charged a late fee, which is always app. $35.00..... that is four days away, but, if you pay the "$12.95 express pay fee", your payment will post that day ? According to the terms and agreement part of online pay " 

 According to
the Terms and Conditions of the Online Bill Pay Service, payments scheduled
through the website will post to your account within two business days after
the date on which the payment is scheduled.  Business days are Monday through
Friday and exclude federal holidays

So according to this statement, why does a message come up saying you need to pay an express pay fee when if you submit a payment on the 15th, it will post by the 17th? This is costing consumers huge dollars and needs to be addressed !!!!!! It is an outright scam !


This report was posted on Ripoff Report on 10/16/2009 01:30 AM and is a permanent record located here: http://www.ripoffreport.com/r/Household-Bank-HSBC-Orchard-Bank/wood-dale-Illinois-60191/Household-Bank-HSBC-Orchard-Bank-Watch-your-online-payments-wood-dale-Illinois-510100. 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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#1 Consumer Comment

You already explained it

AUTHOR: Ashley - (U.S.A.)

Quote: According to the Terms and Conditions of the Online Bill Pay Service, payments scheduled through the website will post to your account within two business days after the date on which the payment is scheduled.  Business days are Monday through Friday and exclude federal holidays


So. If you pay on October 15th, a thursday then 2 buisness days is the 19th. 1 business day is the 16th, saturday and sunday are not buisness days, and monday is the second buisness day or the 19th.

There's no scam here, they are doing exactly what they said the would do. If you wanted it to post before the 18th, you would have needed to submit it by the 14th so that it would post by the 16th. There is no way they can post it on the 17th, that is not a buisness day.
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