Complaint Review: HOUSEHOLD FINANCE CORPORATION - NATIONAL CITY California
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- Author Not Confirmed
- HOUSEHOLD FINANCE CORPORATION http://www.householdfinance.com/ln/lnhf_Home.jsp NATIONAL CITY, California U.S.A.
- Phone:
- Web:
- Category: Loans
HOUSEHOLD FINANCE CORPORATION ripoff unrequested verified $5,000.00 check sent to incorrect person address, incorrect person's credit ruined NATIONAL CITY California
*Consumer Suggestion: Fair Credit Reporting Act may help, also, BBB has no clue about badbusinessbureau.com
*Consumer Suggestion: Demand immediate validation of this debt
*Consumer Comment: Household bank has many lawsuits pending in CA.
*Author of original report: HOUSEHOLD FINANCE CORPORATION ripoff unrequested unverified $5,000.00 check sent to iwrong name, wrong address, but my social security number, my credit ruined
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I was sent a check, in the mail, to the wrong name, wrong address but my credit was ruined.
The check was for $5,000.28.
Household's policies that caused great harm to me:
Sending a check through the mail to an old name (name used 9 years ago-changed when I remarried)
When the check was forwarded back to them because the person was not living at my address, their policy seemed to be to just change the address and re-send the check without verifying that the person they were sending the check to was living at the new address or even had that name.
After a representative from Household called me, when a payment was not forthcoming, and a fraud investigation was started; they still sent a negative credit report to the credit agencies. I had informed their representative that I did not receive or cash the check, my name had changed and the address was an address that I had never lived at.
Because of these troublesome policies and though no fault of mine:
I have negative input on my credit report.
I am now being represented as a sub-prime borrower
I am in the process of trying to obtain credit for my business and this is causing much time and trouble for me.
I spent and continue to spend several hours dealing with this mistake
I have experienced and continue to experience great distress and aggravation as a result of their policy.
Candis
national city, California
U.S.A.
This report was posted on Ripoff Report on 11/16/2003 09:37 AM and is a permanent record located here: https://www.ripoffreport.com/reports/household-finance-corporation/national-city-california-91950/household-finance-corporation-ripoff-unrequested-verified-500000-check-sent-to-incorrec-72074. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#4 Consumer Suggestion
Fair Credit Reporting Act may help, also, BBB has no clue about badbusinessbureau.com
AUTHOR: Bruce - (U.S.A.)
SUBMITTED: Thursday, January 22, 2004
Near the end of 2003 George Bush signed the Fair Credit Reporting Act (http://www.ftc.gov/os/statutes/fcra.htm) which gives the consumer some badly needed tools to deal with this kind of problem. Sure it is not perfect but it is better than what we had which was next to zilch. The limitation in turn around time could be a big help.
On a side note if you want proof that the BBB is totally disfuctional bordering on useless look up badbusinessbureau.com on the BBB's website. In one report the buisness is misclassified and the other doesn't even know what buisness badbusinessbureau.com is!
#3 Consumer Suggestion
Demand immediate validation of this debt
AUTHOR: John - (U.S.A.)
SUBMITTED: Monday, January 05, 2004
I wonder why HFCs elite fraud unit couldn't trace the check itself? After all, the person cashing it at a bank would have to have an account as well as good ID making tracing rather easy for HFC.
Secondly, a lawyer might be interested in going after HFC for fraudulently issuing credit in your name. Maybe an offshoot of libel statutes?
Demand immediate validation of this debt. Ask to see the contract/check you allegedly signed.
#2 Consumer Comment
Household bank has many lawsuits pending in CA.
AUTHOR: Debbie - (U.S.A.)
SUBMITTED: Saturday, January 03, 2004
I hope that things work out for you. The book that rip-offreport. com has at www.ripoffrevenge.com helps you to clean up your credit.
Also here is a website that many consumers are
waging war against the company.
www.hblsettlement.
I know this doesn't help but AG's attorney generals in 50 states went to bat and won 484million Oct 14th 2003, On Dec 6th 2003 a settlement was reached for consumers to the tune of 72million restitution to loan holders that have lost their homes. Keep up the good fight.
Debbie Hope
#1 Author of original report
HOUSEHOLD FINANCE CORPORATION ripoff unrequested unverified $5,000.00 check sent to iwrong name, wrong address, but my social security number, my credit ruined
AUTHOR: Candis - (U.S.A.)
SUBMITTED: Friday, November 21, 2003
They said: "We have no financial liability"... for sending a negative credit report after this incident was put into their fraud department and they ruined my credit. I plan on taking them to court...I wonder how many other people have have had this problem with Household?....
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