- Report: #366436
Report - Rebuttal - Arbitrate
Complaint Review: ORCHARD BANK - HSBC CARD SERVICES
ORCHARD BANK - HSBC CARD SERVICESPO BOX 80064 CAROL STREAM, Illinois U.S.A.
ORCHARD BANK - HSBC CARD SERVICES SCAMMING RIPOFF CHARGED OVERLIMIT FEE ON ACCT I WAS TOLD NOT TO PAY DUE TO COMBING OF MY 2 ACCTS. CAROL STREAM Illinois
A business' first
line of defense
on the Internet.
If your business is
willing to make a
Click here now..
We are writing to you in response to your inquiry regarding your Account ending in *** issued by HSBC Bank Nevada N.A.
We can certainly understand your concern regarding the late fee. We are unable to fulfill your request to remove the late fee from your Account. As disclosed in your Cardmember Agreement and Disclosure Statement, we must receive your payment by the payment due date or a late fee may be assessed.
Please refer to the back of your billing statement for an explanation of how payments are posted. We recommend that you allow 10 to 14 business days for your payment to reach us by mail and up to three business days for processing of online payments.
You can view your Account activity by logging in to your Account online and viewing the Current Status information under Account Overview. While online, you can also sign up for optional text or email alerts that tell you when payments are due. Simply go to the Personal Profile tab and click on Update
You are important to us and we appreciate your business.
I sent them the following email in return:
You're idiots! To told you " I called to cust. and told they to combine my 2 cc account. I asked them if I have to pay this month and he told me NO. He told me to pay cc...**** in Sept. ot the end of this month because I was combine the other one to cc...****
It is not to "back of my billing statement". IS ANYONE ABLE TO UNDERSTAND WHAT I SAID OR WROTE? It is not my fault it is your cust. fault because he told me not to pay ...**** because I was combing that one to****. NOW TAKE THE LATE FEE OFF AND COMBINE MY TWO CC TO ***!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
They then sent this:
Dear Petra ****,
We are writing you regarding your request to consolidate your Accounts ending in **** and ****. After a careful review of your account history, we regret that we are unable to grant your request.
Our credit decision was based solely on information from our credit files. We were unable to approve your request for the following reason(s):
Your account is currently overlimit.
Should you require further assistance, you may contact our Customer Service Department at the phone number located on the back of your credit card.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract): because all or part of an applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.
Orchard Bank Customer Care
I replied with a final letter which i really can't put here due to the language I used. Please help !!! no one at That company understands English apparently.
PALM COAST, Florida
This report was posted on Ripoff Report on 08/24/2008 09:12 PM and is a permanent record located here: http://www.ripoffreport.com/r/ORCHARD-BANK-HSBC-CARD-SERVICES/CAROL-STREAM-Illinois-60194/ORCHARD-BANK-HSBC-CARD-SERVICES-SCAMMING-RIPOFF-CHARGED-OVERLIMIT-FEE-ON-ACCT-I-WAS-TOLD-366436. 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.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.