I have a cardit card with this company and when i signed up they ensured that i should sign up for, "Account Secure Plus". Its about $7 a month, and whatever happens like unemployment, divorce, hospitalization, personal milestone, and etc.. So i can activate anytime untimely things can happen. Easier said than done. After paying for the services, i relized i could of saved over $160 not paying for it. It is ridiculous, they want verification that i am in fact unemployed. My word and payments for the services aren't good enough? Thats was Orchard bank through the e-mail.
Well i called the Account Secure Plus, to activate my account, because they said it was all easy and i am talking to someone in INDIA. Ok..., then this person that barely speaks clean english is asking me a series of questions to verify who i am. We go through my whole personal information to verify it was me. I was scratching my head while this was going on. After about 20 minutes of trying to understand this person on the other line and answering the questions, i was told that they have send out forms that i need to fill out to verify i am unemployed. Well i was a little upset about that, so i asked this person from India that now knows all of my personal information that i never gave permission to outsource my personal information to tell me about the reason for the payments if i have to go through this trouble to verify i am unemployed and have to waste more time.
Straight to the point. In the "AccountSecure Addendum" that has the disclosure statement only states the obvious as far as how they go about its program. NO WHERE does it state anywhere, that i would be talking to someone that is from INDIA using a 800 number. I never gave permission, nor that is what i signed to. I wouldn't have signed up with the Secure Plus thing if i knew that. I DO NOT want them to have my information, i don't know about you guys, but what the heck is going on??
The other point is this, I am now in debt with this company. Want to hear something funny? I don't know how, and how they let it go for so long, but its funny, they were deducting payments from my orchard bank credit card. I cannot believe that is legal? It seems like this company is wanting money, so they outsource their jobs to people in INDIA, well thats unfair to the consumers in America that you never disclosed the information to.
I look back to my agreement and policy with Orchard bank and consistently says, "HSBC Bank Nevada, N.A.".
So how is this for ya tell me how this is right, and how they can get away with this, ready? All titled as send to: HSBC CARD SERVICES.
Credit card payments: P.O. Box 60102, City of Industry, CA, 91716-0102.
Mail Inquiries to: P.O. Box 80084, Salinas, CA, 93912-0084.
Plan Administrator: P.O. Box 5583, Binghamton, NY, 13902-9996.
AccountSecure: 200 Somerset Corporate Blvd., suite 100, P.O. Box 6989, Bridgewater, NJ, 08807.
AccountSecure: P.O. Box 19360, Portland, OR, 97280-0360.
Are you confused? Here i display all these mailing adresses to show you, that they all disclosed sending information NATIONALLY. Then why am i talking to someone 7K miles overseas in INDIA, that now knows who i am, my social security #, home address, my credit history. I don't want them to know that, talk about ID THEFT!
P.S. My account limit has risen and so did my rate to 29.9%, and the reason for the increase on my credit card, because this mishap of the cylcing payments with the same card, so they up it to compensate the payment and then be charged with fees.
No one wants to help me, help us. We are all victims here and our government doesn't care. You know why, because this website exist and our complaints and problems exist, but nothing is yet being done about it. So lets bump up our interest rate so we can fuel more to our war. I mean where else is it going too? I never signed up for this, this is absolutely shadiest program i have ever seen done on American Soil and getting away with it, especially out sourcing our potential jobs.
cave creek, Arizona
U.S.A. Click here to read other Rip Off Reports on ORCHARD BANK