• Report: #269437

Complaint Review: Orchard Bank Credit Card, HSBC Card Services

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  • Submitted: Wed, August 22, 2007
  • Updated: Wed, August 22, 2007

  • Reported By:Peoria Illinois
Orchard Bank Credit Card, HSBC Card Services
City Of Industry, California U.S.A.

Orchard Bank Credit Card, HSBC Card Services Money Making Scondrals City Of Industry California

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Several years ago, approximately 1997 or 1998, I purchased a credit card from Orchard Bank out of California, because they said they could help me "solve my money problems and receive a better credit report". I received a card with a $250.00 credit limit. I used it, paid on it, and then I lost my main job in 1998. Of course the interest grew, but I paid on it as I could and charged some medications after getting a job at a pharmacy.

From then the balance continued to grow, and grow, and grow until it was in the Thousands of dollars. No matter how much I paid per month, the balance was not dropping. I finally was able to pay the complete balance in April of this year, 2007, and I cut up the credit card. I called them and told them what I had done. They did not request me to send in the destroyed card and I threw it in the garbage.

The next month I received a bill for $4.79 (or close to that) and I called the telephone number listed on the billing. They said they were sorry that it had happened and would take care of it. I received another billing the following month for $34.96 with a late charge of $30.00, a finance charge of $1.12 leaving me a balance due of $67.08, and bless their little hearts, they raised my limit to $480.00. Now wasn't that nice?

I then went to the website and e-mailed them that I was not going to pay this amount because my account was closed and the card destroyed. I told them of the telephone conversation I had with their representative and if they (pardon my language) thought they were going to string me along again like they did before they could take the $67.08 and stick it where the sun don't shine.

I have not charged anything on this card since the year 1999, it has been nothing but interest charges and late fees. I just can't seem to get them off my back and I am ready to do anything that it takes (short of blowing up the place) to get rid of this. I have reported them to Experian and the other two credit bureaus, but have not seen any change in my reports.

Agnes
Peoria, Illinois
U.S.A.

This report was posted on Ripoff Report on 08/22/2007 11:49 AM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank-Credit-Card-HSBC-Card-Services/City-Of-Industry-California-91716-0177/Orchard-Bank-Credit-Card-HSBC-Card-Services-Money-Making-Scondrals-City-Of-Industry-Calif-269437. 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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