• Report: #394977

Complaint Review: Orchard Bank Aka HSBC Neveda

  • Submitted: Tue, November 25, 2008
  • Updated: Mon, July 20, 2009

  • Reported By:New Castle Delaware
Orchard Bank Aka HSBC Neveda
www.orchardbank.com Salina, California U.S.A.

Orchard Bank Aka HSBC Neveda Charged Late Fee on Payment Due Date Salina California

*Consumer Comment: Different issue

*Consumer Suggestion: Not clear about Jim's interests or attention-span , but--

*Consumer Comment: It Depemds

*Consumer Suggestion: You are not alone, Vince

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SO get this.....Orchard Bank aka HSBC, charged me a late fee on my account on the same day that my payment was due. Sounds kind of fishy. I contacted them about the issue, they stated that since the payment posted the next day, they were unable to do anything to assist me. I then sent an email requesting to have there corporate offices information and I was sent the following information:

Please forward your inquiry to the following address:

HSBC Card Services, Inc.
Attention: Executive Services
P. O. Box 80084
Salinas, CA 93912-0084
1-800-477-6000, extension 2608>

I called the number listed and it was there customer service number. I then put in my account info and was transferred to a customer service rep. I asked to be transferred to ext 2608 and I was told by the customer service representative that he did not have the capabilities of doing so.

Go figure right. Thats the place to mail any type of account requests. Checked online and could not find anything about Orchard Bank, HSBC Neveda, except that its a company overseas!

New Castle, Delaware

This report was posted on Ripoff Report on 11/25/2008 12:48 PM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank-Aka-HSBC-Neveda/Salina-California/Orchard-Bank-Aka-HSBC-Neveda-Charged-Late-Fee-on-Payment-Due-Date-Salina-California-394977. 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

Different issue

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

This customer again has a different issue from you midilaw. You were paying by quick collect. This customer was making a normal payment. From his descreption he was trying to pay the bill on the exact due date, which will not post in time. My credit card for example, if I wish to make a payment ON the due date I have to call a customer service rep and pay a just in time fee. Other wise I have to pay it the day BEFORE it is due so it will post on time.

What part of 24-48 hours are you missing? Even your chart shows this:

Pay by 4pm on monday, it will post tuesday, for due date wed. I can't look at the full disclosure, since I am not a customer of HSBC and do not have access to their payment options.

Again, you are throwing around advice on here before your lawsuit is done. Why don't you go finish getting your lawsuit filed, so a judge can rule on whether this bank practice, which is in your contract with them, is legal.

Once you have your court ruling you can prove jim and I wrong.
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#2 Consumer Suggestion

Not clear about Jim's interests or attention-span , but--

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

..contrary to his statement that "Don't be fooled by Midilaw, who clearly indicated that payment made was not within that 24-48 hour period, so the late fee charged was legitimate in Midilaw's case.....", "Jim" seems to share with "Ashley" the same predilection for misreading or misrepresenting the facts of consumer complaints posted on RipOff reports.

It matters not, of course, what ANYONE who comments gratuitously on this website thinks about the validity of my own problem HSBC, or your problem with HSBC, or the myriad of problems reported by consumers on this website about HSBC'S unsupportable and actionanle delayed payment posting policies. What matters is that HSBC, AS A MATTER OF POLICY, intentionally and WITH NO REASONABLE BASIS, delays the posting of payments made by cardholders, allowing HSBC to then impose late charges that should not be imposed and which, when the dust settles after many years of class action litigation which is inevitable, will result in cardholders (like you, me, and the many others who have filed RipOff reports on this website about HSBC) being awarded compensation to "make us whole" - in other words, to refund to us the illegal late charges and the interest charges assessed on balances increased by such late charges.........

And whether it is HSBC that pays the compensation, or their "Errors and Ommissions" insurance coverage which pays it, WHO REALLY CARES where it comes from, as long as the HSBC cardhiolder who has been preyed upon by HSBC'S delayed payment posting practices is placed in the position he or she would have been in had HSBC NOT, YEAR AFTER YEAR AFTER YEAR, screwed its customer base.

One more thing - despite what "Jim", or "Ashley", or anyone else may suggest, every payment made by me to HSBC was made at least 24 h*o-urs before the due date, and in EVERY CASE was made within the time frames for payment "posting" set forth on the HSBC website, which states that payments are posted and credited as follows:

Payment Cut Off Time
( Before 4 p.m. EDT) Payment Date View Payment Online
Monday Tuesday Wednesday
Tuesday Wednesday Thursday
Wednesday Thursday Friday
Thursday Friday Saturday
Friday Monday Tuesday
Saturday Monday Tuesday
Sunday 12:00 noon EDT Monday Tuesday

So, just like I believe occured in your case (even though you don't explicitly state this), and JUST AS IT OCCURRED IN MY CASE, my payments were made in time for them to be posted on or before the due date, BUT HSBC'S delayed payment posting policy caused the posting of the payment to occur SFTER the due date and AFTER it was in fact received.

And that is why, whether any of the gratuitous and misguided "consumer commentators" agree, HSBC will ultimately be made to pay for their arrogant and arbitrary and unlawful practice.

Have faith, Vince.
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#3 Consumer Comment

It Depemds

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

According to the website, posting payments may take 24-48 hours to post to your account once submitted. If you didn't allow for that, then you ripped yourself off; since you don't indicate when payment was made...it's impossible to determine if there was a rip off. I would take it up with someone in person and show when payment was disbursed from your account...

Don't be fooled by Midilaw, who clearly indicated that payment made was not within that 24-48 hour period, so the late fee charged was legitimate in Midilaw's case.....
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#4 Consumer Suggestion

You are not alone, Vince

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

My suggestion that you take a look at the post concerning HSBC Card Services and their payemnt posting practices (located at http://www.ripoffreport.com/reports/0/467/ripoff0467353.htm) probably will entice one of this website's frequent contributors ("Ashley") to chime in with her predictably discouraging (and always ill-conceived) opinion about why HSBC's conduct is reasonable and lawful.

Regardless of Ashley's supercilious contributions on many other RipOff complaints about HSBC'S conduct, at least you'll find yourself surrounded by other victims of HSBC once you review the post referenced above.
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