Report: #723586

Complaint Review: HSN - Home Shopping Network

  • Submitted: Fri, April 29, 2011
  • Updated: Mon, July 09, 2012
  • Reported By: Michael DeVille — Keller Texas United States of America
  • HSN - Home Shopping Network

    United States of America

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

April 24th 2011, purchased a camcorder through HSN using flex pay.  On the same day I purchased an ACER computer using the same bank card and same flex pay.   HSN charged my bank account over $200 and then called me several days later to tell me that they had canceled the ACER computer. That they could not do the flex pay on the computer because they had ran a credit check through Experian.

HSN was never authorized them to run a credit report.  They can be severely fined for violating the FCRA, especially if they have committed these violations numerous times which I am sure this is the case after reading other RIP off complaints. 

Secondly, I have a freeze on my credit reports so they should have had no way to obtain a copy of my credit report from any of the three credit bureaus. Therefore, the credit bureaus are in violation and subject to being sued.

What they are doing is totally illegal.  Thanks goodness for the RIP OFF report website so that you can search these types of issues to see how many other consumers have been victimized.


If you have been victimized by HSN, I urge you to file a complaint with the BBB and the Federal Trade Commision. Also call the credit bureas. I am working on finding an attorney to file a class action law suit againt HSN & the credit bureaus. I am also researching to see what type of penalities and fines can be imposed against HSN and the credit bureaus by regulatory agencies.

I really want this to cost them in the pocket book as this is totally wrong and illegal. 


If you are an attorney and read this please contact me if interested in pursuing this as a class action law suit.



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This report was posted on Ripoff Report on 04/29/2011 09:39 AM and is a permanent record located here: 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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#1 Consumer Comment


AUTHOR: Deb - (United States of America)

There is no application to fill out for flex pay at all.  You just opt for flex pay if you desire it when you are calling in or entering your order via their site, and it is advertised that anyone can use flex pay if you have a major credit card.  You see no legal jargon at all, it is not like filling out a credit card application.  HSN says nothing about a credit check when you decide to do an order on Flex Pay. 
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#2 General Comment

Flex Pay w/HSN

AUTHOR: suzanne77 - (United States of America)

What is FlexPay?
FlexPay is a convenient way to purchase the items you want without breaking your budget.It's really quite simple. Choose the FlexPay option, and the cost of your purchase is divided into as many as five equal monthly payments.At the time of purchase, we will bill your credit card for the first monthly installment plus tax and shipping and handling fees. The balance is then automatically billed to your credit card in equal monthly installments beginning 30 days after the original order date.It's easy, convenient and HSN does not charge any interest or fees!*FlexPay orders may be subject to credit verification by HSN and HSN may review the credit report. You may contact the HSN Credit Department to inquire as to whether a credit report was requested and the name and address of the credit reporting agency that furnished such report (if applicable).When it comes to shopping convenience, HSN delivers!*HSN does not assess interest charges or fees on FlexPay. However use of a credit card for FlexPay options may result in interest charges in accordance with the normal terms and conditions of your individual credit card agreements. FlexPay is a payment option offered by HSN. FlexPay is available on all credit card pay types.

This information is provided on website, hope this helps.
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#3 Consumer Comment


AUTHOR: mr rik - (USA)

Yeah, they suck!

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#4 Consumer Comment


AUTHOR: Deb - (United States of America)

I have never applied for credit with HSN and found out they checked my credit when I was doing a  flex pay on an Ipad last week. they cancelled the order without my knowledge and when I called they said they did a credit check.  They never advertise they do this, they say flex pay is for everyone as long as you have your own credit card or you can apply for an HSN card which I have never done.
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#5 Author of original report

HSN - Ilegally Accessing Credit Report

AUTHOR: Michael DeVille - (United States of America)

There was no application requirement.  I simply called in and provided HSN with my credit card information to set up the flex pays.  I was never informed that a credit report would be ran, never consented verbally or in writing.  

What application are you referring to?
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#6 Consumer Comment

Sorry but

AUTHOR: Susan - (USA)

Right on the Credit card application you need for FlexPay it says they have the right to check your credit report. The card is World Financial Capital Bank.

The only issue here is why they shipped the Camcorder BEFORE checking your credit report and approving you for a card that was later denied. 

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#7 Consumer Comment


AUTHOR: mr rik - (USA)

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#8 Consumer Comment

no damages

AUTHOR: coast - (USA)

There may be penalties due to the companies involved but you must be able to prove you suffered damages to win a law suit. A class action suit requires that a large group of victims suffered damages. You did not describe any damages or rip off.
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