HRS USA appears to be attempting to structure payment conditions to generate a $29 late fee,$10 processing fee or motivate me to pay off the Best Buy interest free promotional loan 8 months early.
Their tactics worked.I have just closed my acct & will pay off the loan within the next few days,which was interest free untill Feb 1,2003...I called customer service yesterday & respectfully requested that they remail my monthly statement since it was late in arriving.Two differant representives and their supervisors all denied my request;they all said to give it another week and to call back then.I said,if I do that then my pmt will be late.I even offered to pay a fee for them to mail me another statement.They still refused.
It was suggested that I could pay off the balence early & I would not have to worry about it or else to pay a $10 fee (if my statement did not arrive)to process a check over the phone.I said I realize your company earns your income from consumer interest charges,late fees & the $10 processing fee however your tactics violate the Federal Unfair & Deceptive Practives Act as well as Fl's Deceptive & Unfair Trade Practives Act.....
For the readers info,the BBB's internet site has given this company an unsatisfactory business rating;the Fl Dept of Consumer Protection has 27 complaints on this company during the past 3 years.
HRS USA is owned by the parent company Household International Inc located at 2700 Sanders Road in Prospect Heights Il 60070...# 847 564 5000