• Report: #182206

Complaint Review: Orchard Bank Credit Card

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  • Submitted: Mon, March 20, 2006
  • Updated: Fri, March 31, 2006

  • Reported By:new port richey Florida
Orchard Bank Credit Card
Po Box 80084 Salinas, California U.S.A.

Orchard Bank Credit Card ripoff Salinas California

*Consumer Comment: To Heather

*Consumer Comment: I have orchard bank cc

*Consumer Comment: Curious

*Consumer Comment: Curious

*Consumer Comment: Curious

*Consumer Comment: Curious

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When I recieved Orchard Bank credit card application 09/04 and that I was prequalified. I did fill out the application and came back with a card in mail and limit of $300.00 10/04.

They took out $59.00 from my checking account which I was floored not knowing there was annual fee. I never activated the card till 03/20/06 I called to tried activate it. They told me I had a outstanding balance of $194.74 which I wasnt aware of. It contains another annual fee and late fees. They said they need $90.00 today and they will than activate the card for me to use. I feel I dont owe them nothing when I never activated the card than and now.

It hurts my credit when I'm trying to build it up not down.I wanted my wife to talk to them and they wanted her full name and SSN # which was a sure red flag knowing I was being scamed. Whats the next step anyone can help me, I'd appreciate it.

Genaro
new port richey, Florida
U.S.A.

This report was posted on Ripoff Report on 03/20/2006 11:24 AM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank-Credit-Card/Salinas-California-93912-0084/Orchard-Bank-Credit-Card-ripoff-Salinas-California-182206. 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

To Heather

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

It appears that it did not take Orchard bank over a year to activate the card. From what I read, it appears that is how long it took Genaro to even bother with the card, and make an attempt at activation.

Again, I am wondering why anyone would get a credit card in the mail, and let it sit around for 16-17 months before attempting to activate it. Are we to assume that Orchard bank did not send a single statement to Genaro? I would imagine that if the fees have been adding up for over a year, and if the card was over it's limit, then Orchard would have started it's collection process. It sounds rather odd to me. :o(
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#2 Consumer Comment

I have orchard bank cc

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

I have an orchard bank cc and i can say that they clearly state that there is an annual fee and that it goes right on your cc. the money shouldnt have come out of your checking account. when i signed up, all they did was ask if i had a checking account. the fact that it took over a year to activate the card is weird. the annual fee gets put right on the cc so there would be fines and late penalties so that would explain why there is so much on the card.
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#3 Consumer Comment

Curious

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

You state that you did not attempt to activate your account until March, and you did not know that you had any charges or fees. Did you not receive any statement from them between October and March???
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#4 Consumer Comment

Curious

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

You state that you did not attempt to activate your account until March, and you did not know that you had any charges or fees. Did you not receive any statement from them between October and March???
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#5 Consumer Comment

Curious

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

You state that you did not attempt to activate your account until March, and you did not know that you had any charges or fees. Did you not receive any statement from them between October and March???
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#6 Consumer Comment

Curious

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

You state that you did not attempt to activate your account until March, and you did not know that you had any charges or fees. Did you not receive any statement from them between October and March???
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