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  • Report: #177292

Complaint Review: Household Finance, HFC

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  • Submitted: Tue, February 21, 2006
  • Updated: Sat, December 23, 2006

  • Reported By:Thornton Colorado
Household Finance, HFC
hfc.com City Of Industry, California U.S.A.

Household Finance, HFC Ripoff Artists! Do not finance your mortgage with Household, HFC City Of Industry California

*Consumer Comment: Also ripped off by household

*Consumer Suggestion: HFC Colorado Customers-Let's Get Together!

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We refinanced with Household Finance (aka HFC) in January of 2002. We were told that after three years our interest rate would drop a half a point, then a half a point for two years after that. Our rate never dropped. We are so far in debt with Household that we'll never be able to refinace or move if we wanted to! We'll probably have to foreclose before we can get out of under them, but then they would win, right!? Our credit has gone from Fair to Poor because of HFC's payment policy. Did you know that HFC reports you as 30-days late on your credit report when one month you make a payment on the first of the month, then the next month you make it on the 10th of the month, so it's been more than thirty days between payments, they report this to the credit bureau, even though you still made your payment on time! How are we ever supposed to fix our credit with such a high payment that we have to make to HFC in addition to the way they report to the credit bureaus! We're in a no-win situation with them and I wish we could go back 4 years and tell them "Hell NO!!!"

Courtney
Thornton, Colorado
U.S.A.

This report was posted on Ripoff Report on 02/21/2006 08:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/Household-Finance-HFC/City-Of-Industry-California-91716/Household-Finance-HFC-Ripoff-Artists-Do-not-finance-your-mortgage-with-Household-HFC-Ci-177292. 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

Also ripped off by household

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

A few years ago, my wife and I had a loan with houshold for an expensive dog. My wife paid for almost a year, about 250 a month which was more than minimal payment. After a year we got a letter in the mail from them stating they are putting us into collections because we havent payed them for a year? Luckily she saved every single receipt and copied the checks and we reported them to the NY banking dept and it was resolved. But bottom line they are evil and LOVE to try and ruin peoples credit.
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#2 Consumer Suggestion

HFC Colorado Customers-Let's Get Together!

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

Hello! My name is Tayler, and I too am currently being ripped off by Household Finance/HSBC.

In doing some research I've found that if enough people get together and file complaints with the Federal Trade Commission and the State Attorney General, we might be able to really get something done.

I am also interested in organizing some protests. Please contact me ASAP.

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