• Report: #782443

Complaint Review: Orchard Bank

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  • Submitted: Wed, September 28, 2011
  • Updated: Thu, September 29, 2011

  • Reported By: WMCE — MABLETON Georgia United States of America
Orchard Bank
1441 Schilling Place Internet United States of America

Orchard Bank HSBC Card Services Con artists Internet

*Consumer Comment: Credit Report

*Consumer Comment: Possible ID theft.

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I received a bill from Orchard Bank on a credit card I do not have. I called the number provided on the bill thinking this was a simple mistake and would be cleared up quicklynothing could be further from the truth.


First I get the typical 800 repspeaks broken or no English, must have asked my name 10 times, asked for my SSN about 20 times and each time I refused he would ask again in less than 20 seconds.  I tried to explain I have never applied for a credit card from them and I have no idea how they got my name and number. Looking over the bill one would have to be insane to sign up with them as the bill was for $59.00 for Annual Assessed Fee for signing up on a $300 limit card?


I explained I already have a MasterCard with the bank I have been with for over 30 years I did not need nor would I ever apply for another credit card and surly not one with Orchard Bank. At that point I was sent to the Security department where I received the same questions all over again. I asked for proof of an application that signed for the card and they could not provide it, HOWEVER if I gave them my SSN it might speed up the process. I gave the account number on the statement however that wasnt good enough they needed the SSN.


Bottom line I have a bill from a company I have never heard of, on a card I never applied for or received and it appears no hope of resolving any time soon. Should anyone out there want a credit card from Orchard Bank it looks like the APR is 29.99% - ouch! Looked up the reports on them and it is not pretty BEWARE of this bunch!


 


This report was posted on Ripoff Report on 09/28/2011 12:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank/internet/Orchard-Bank-HSBC-Card-Services-Con-artists-Internet-782443. 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

Credit Report

AUTHOR: Jeanski - (USA)

Whether this is some kind of honest mistake on their part, or a fraud perpetrated by someone else, I don't know. Sure sounds fishy.  Just to be extra careful, you should check your credit reports (all 3) and make sure it doesn't show up there.
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#2 Consumer Comment

Possible ID theft.

AUTHOR: Flynrider - (USA)

   Getting a statement or a credit card that was not applied for is often the first sign that you are a victim of identity theft.   I suggest that you check your credit reports from all three bureaus for suspicious activity.
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