• Report: #52701
Complaint Review:

Household Retail Services (Menard's)

  • Submitted: Sun, April 13, 2003
  • Updated: Tue, November 29, 2011

  • Reported By:Naperville Illinois
Household Retail Services (Menard's)
www.hrsaccounts.com Rapid City, South Dakota U.S.A.
  • Phone:
  • Web:
  • Category: Loans

Household Retail Services Menard's ripoff unfair fees and change in account terms victimized many consumers Rapid City South Dakota

*Consumer Suggestion: Have you actually paid bills before?

*Consumer Suggestion: payment options

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

Show customers why they should trust your business over your competitors...

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

I've had a Menard's BIG card for more than 3 years and ever since then the account was serviced by CONSECO finance. CONSECO was a decent company that allowed you to pay online the date the bill was due (statement due date). They also let you call in checks by phone for $9.00. If your payment was mailed and postmarked by the statement due date, there was no late fee.

This has changed ever since HRS took over the account recently.
Here is what they demand (and if you don't comply you will pay hefty fines).

1. Payment must be mailed 5 to 7 days before due date to ensure they receive and process it.

2. If you pay online, it must be 2 business days before due date, or you get a $29 late fee.

3. If you call in a check by phone, there is a fee of $15.

With these outrageous fees, how are you supposed to ever pay off the account? I can manage my money, but I know many people who live paycheck by paycheck or never get ahead because of outrageous fees instituted by well-off companies like HRS.

I have had two other accounts that were sold to HRS and I've paid one off in two years and the 2nd is taking forever. It seems I have to sign over large $ checks, and even then I still feel ripped off based on the high interest they charge (25.89%).

Nuts. Totally nuts!

Naperville, Illinois

This report was posted on Ripoff Report on 04/13/2003 08:25 AM and is a permanent record located here: http://www.ripoffreport.com/reports/household-retail-services-menards/rapid-city-south-dakota-57709/household-retail-services-menards-ripoff-unfair-fees-and-change-in-account-terms-victimiz-52701. 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

Click Here to read other Ripoff Reports on Household Retail Services (Menard's)

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Have you actually paid bills before?

AUTHOR: center of attention - (USA)

1. The due date on your bill means that the creditor has to have the payment IN HAND on that date. That's why they suggest mailing it 5 to 7 days early. As for the online payment suggestion, the two days are to make up for Saturdays and Sundays which are not banking days.

2. You can easily avoid the $15 check over the phone fee if you paid your bills in the same way as everyone else and not wait until the last minute.

3. I can't vouch for your credit score or credit history, but 25% on a credit card nowadays doesn't seem too strange to me. I would imagine your rate is that high because... wait for it... YOU DON'T PAY YOUR BILL ON TIME! Been on Earth long?

You said that you can manage your money, but everything you say here points to the contrary.  
Respond to this report!
What's this?

#2 Consumer Suggestion

payment options

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

Hi. I have worked for a credit card company in collections. I have an account with Household. MY payments use to be late. Then I figured it out. I make payments by phone if I am close to the due date and eat the fee. the fee is better than the late charge. Payments done on line take 2 days to post during the week and if done on friday post the following tuesday. I think you need to redo your budget. Credit is important and if you adjust your bills it will be easier. I do not find the company at fault in this case.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?