ORCHARD BANK"ORCHARD BANK" aka HSBC CARD SERVICES
The only two times I ever heard from this company was when I picked up an unsolicited phone call from a telemarketing boiler room in India, talked with the person because I had the impression they were authorized by my bank to offer me a credit card upgrade or something, I gave out my name, address, phone number and social when told they needed some information to 'confirm' they had the right person , then I started questioning them about what this was about and they disconnected.
Later I recieved an envelope from Orchard Bank recalling that's the name given when I questioned them about who they were, exactly. I opened it and inside found a from I was supposed to fill out, and a card board cutout of a facsimile credit card, blank on the back. I threw these in the trash with the rest of the junk mail.
I got another call from and Indian boiler room phone center and was asked to repeat my information to get some kind of 'added services to your credit card' and refused to give my social, told the girl that they had never sent me any credit card, I had not activated any credit card, and I wanted whatever they were doing cancelled or I would turn it over to my attorney and report the company to the Texas State Attorney General's Office. I asked to talk to someone who could answer my questions and remove me from their list, she put me on hold with muzak and nobody ever picked up after that.
Again I didn't pursue it, as I'd never received any card, activated one, or approved any of this and signed nothing.
Today, months later, I got a bill from Them saying that I have an account number and a 'past due' amount of $120.00 !!
Also on this 'bill' is a "purchase" with no date of purchase or place of purchase or purchase number given, in the amount of $96.00. It shoes a 'Credit Cash Limit of $300.00, but Cash Limit Available or $0.00, Credit Limit of $300, Past Due Amount of $30.00, Previous Balance of $89.00, and Finance Charge of $1.00
Every bit of this is complete news to me since I never got a card from them, never activated one. My REAL bank, and my REAL credit card required MY SIGNATURE on the agreement, in writing AND MY ACTIVATION AND SIGNING IN WRITING THE PHYSICAL CARD. So I had no idea that a credit card company can arbitrarily send you a bill for a credit card you've never seen, and never activated or approved just because a telemarketing drone calls you from Puna, India and uses a trick script to have you confirm your name , phone number, and address.
I welcome hearing from any other victim of this fraud outfit concerning a CLASS ACTION to shut these criminals down permanently. What they're doing is FRAUD the last time I checked the law.
My next action after reporting this here is to report it to the State of Texas Attorney General's. None of us should have to pay a dime to these crooks for never having the card at all. I asked the phone drone in Puna (he confirmed that's where the phone center is), to give me a purchase date and to whom the $96 purchase was made, and he put me on hold (blaring organ music turned up loud) and left me on hold. He knew my name and phone number and did not call me back to answer my questions. He also did not answer my question regarding cancelling and cease and desist demand. Nor did he offer to give me a number for calling a complaint department, though he said, "we have no complaint department".
Again, Anyone who's been vicitimized by this fraud scheme feel welcome to contact me about a CLASS ACTION. An attorney organizing a class action against these con artists is also welcome.
D J Butler