Complaint Review: HSBC Orchard Bank And Account Secure Plus
HSBC Orchard Bank And Account Secure Plus Orchard Bank Sold me a disability plan on my card, now I'm disabled and they won't follow through & deny my claim Bridgewater, New Jersey
*Consumer Comment: You may wish to contact...
*Consumer Suggestion: Cancel that bogus policy!
*Consumer Comment: A Sad State We Are All In...
Sometime later I was injured and after two years of probing and tests, in 2006 I was placed on permanent disability & SSD. I contaccted Account Secure Plus within a couple weeks and they sent me a lenghty form to fill out. I filled it out and returned it to them. A month later I received a letter from them stating my case had been closed because they never received my paperwork. I followed up and they said I only had 45 days to request to open a claim in which I told them I had. Their response was too bad, they conveniently didn't recceive it and that was that.
Three years later I am still being charged $22.00 a month for a disability plan that will never pay and everytime I contact them they tell me to send any confirmation of disability to them. I send it and followup to the same story, we are sorry but your paperwork was not received within 45 days. I call and state how can you not only pay up, but continue to charge me for a plan that will not pay. They all say the same thing, "I wish I could help you".
I have followed up with the BBB, an attorney who wants to charge me more than is owed on the card ($2,600) and finally I have submitted it to the Federal Trade Commission and waiting their response.
This is shameful of any company to do to someone who has gone through a lot of physical pain to be followed by the mental torture of paying the minimum balance of $65.00 a month when I have not even used this card in years. Their $22.00 monthly charge on top of 19+% interest makes this impossible and the kicker is. I added up the charge plus interest and the card balance is less than what I have paid for their protection...
Anyone know a good attorney who is willing to work pro-bono because as my user name says: I'm beside myself anymore....Please Help!
This report was posted on Ripoff Report on 11/11/2009 10:54 AM and is a permanent record located here: http://www.ripoffreport.com/reports/hsbc-orchard-bank-and-account-secure-plus/bridgewater-new-jersey-08807/hsbc-orchard-bank-and-account-secure-plus-orchard-bank-sold-me-a-disability-plan-on-my-car-522487. 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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