• Report: #306291

Complaint Review: Orchard Bank Credit Card Services Provided HSBC

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  • Submitted: Tue, February 05, 2008
  • Updated: Mon, February 11, 2008

  • Reported By:HOMBULT California
Orchard Bank Credit Card Services Provided HSBC
941 Corporate Center Drive Pomona, California U.S.A.

Orchard Bank, Orchard Bank Credit Card Services Provided HSBC , Orchard Bank is a scam, They forget to tell you about hidden fees, Pomona California

*Consumer Comment: Credit cards

*UPDATE EX-employee responds: read your cardmember agreement

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Do not fall for the lies they tell you. They say that they report to all 3 major credit bureau. (BS) Yea, if you don't make payments on time, but if you pay off any balance owing off. It takes them about a year to report that you have a zero balance. They say theres only a 1 TIME fee of $79.00 to start an account with there company. And that you will never be charged again.(BS) They hit me 3 TIMES. Made my account to go over it's credit limit. And guess what. Got hit with $30.00 in fees for going over the limit.

I used the card a few times, then paid it off. Some one stoled my card, they made me pay for 65% of the charges that I didn't auth. With a police report @ that. I run a customer service office. And I know about providing the best possible customer service around. I've been doing this for 28 years. Been awarded 8 times for best customer service rep of the year and 4 years in a row for Manager of the year for running the best damn customer service center.

Orchard Bank or HSBC, they have non customer service, middle eastern, rude a$$ people that I have ever had to deal with. When I asked to speak to a manager, the rep changed his voice and took over the call, when asked for a ID#, they hung up on me. Don't do it people. If you need a credit card. Apply some where else.

HOMBULT, California

This report was posted on Ripoff Report on 02/05/2008 09:44 AM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank-Credit-Card-Services-Provided-HSBC/Pomona-California-91768/Orchard-Bank-Orchard-Bank-Credit-Card-Services-Provided-HSBC-Orchard-Bank-is-a-scam-Th-306291. 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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Updates & Rebuttals

#1 Consumer Comment

Credit cards

AUTHOR: Ripped_off! - (U.S.A.)

Yes, many companies charge an "annual" fee for the benefit of using them as credit. It isn't just Orchard, but any credit card company that wants to charge you up-front fees for the privilege of having credit with them. These kinds of cards are predatory, no matter what the small print -- and large print -- promises. If they want you to PAY for credit, avoid them! They target people with marginal credit who can't get a credit card anywhere else. They also charge the highest interest rates in addition to the "annual" fee. There are also many other fees such as very high "over the limit" fees.

If you want a credit card, these kinds of cards are the worst possible way to get one. They are only slightly better than "payday loans." These kinds of cards are interested in separating you from as much of your money as possible; they aren't a serious offer of credit in the sense that you are going to pay a reasonable interest rate for credit.

I strongly suggest that you get a copy of your credit report from all 3 credit bureaus, then start repairing your credit. Please don't get ripped off again by paying to get your credit reports -- call each credit bureau and request it over the phone if you aren't sure how to get one that's really free. And, don't pay anyone money to repair your credit for you! Repairing your credit the "easy" way is to make timely payments over a long period of time with a company that reports monthly to the big 3 credit bureaus. Search the internet for advice on repairing your credit...many credit counseling websites and consumer websites publish this information on free websites. After you've repaired your credit, you can get a standard card with lower interest rates and no upfront fees.
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#2 UPDATE EX-employee responds

read your cardmember agreement

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

Did you read the cardmember agreement? It tells you all the fees that can be charged, it sounds like you are in the 80 to 90% of the people that don't. Don't blame the bank for your stupidity. That is an ANNUAL fee that means it bills once a year as long as you have the card. In the future it is not what you are TOLD but what you receive in WRITING. I hope you learn to read contracts after this.
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