Orchard Bank HSBC ripoff, fraudulent fees, never submitted pmts, refused payment Salinas California

Add me to the list of many ripped off by Orchard Bank. I'll just paste a copy of the letter I sent to my Attorney General (who said they couldn't help me and referred me to the Office of Comptroller of the Currency):

I am asking for your help dealing with Orchard Bank. They have charged this account hundreds of dollars in illegitimate fees. They have sent my account to a collections firm that appears to be a law firm, when appropriate payments have been made by phone and online, although my bank says they never submitted the check by phone payments.

I didn't even know there was a problem prior to getting that collections letter. We tried to contact Orchard on (January date), which was also the due date for another payment. An employee who answered named Raj with extremely poor English skills refused to take a payment from us, even though it was a due date. We has made payments over the phone before and there was never a problem. I don't know if they also tacked on extra charges because of a payment not being made that day, even though the representative refused to take one.

I would like your help getting an answer from them as to why they sent this account to collections, why they never submitted those phone payments to my bank, and why they won't respond with an explanation. I have faxed a letter to them twice in the past month, and they simply refuse to respond. I asked in the fax for a response by either mail or e-mail, so I'd have something in writing. They have done neither. If they called my home, no one left a message.

Also, they have added hundreds of dollars in unjust late, overlimit, and returned check fees that I'd like resolved. There is also the issue of credit reporting. I am assuming they have put many negative marks on my credit file, since they are claiming that payments were not made. I have never encountered a situation like this from a credit card company before, and I don't know what course of action to take. I don't feel I should have to pay them the hundreds of dollars they want for fees for payments they say were not made when the bank says they were never submitted, and the payment they refused to take in January. I'd appreciate any help you can give in mediating with these people. Thank you.

Please, will any of you attorneys out there be willing to start a class-action suit? After reading all the similar stories here about Orchard Bank, there's clearly a pattern here. To say this company sucks is the understatement of the year. To those of you who will receive their pre-approved offers, run, don't walk, to the nearest paper shredder!!!

T.
****, Indiana
U.S.A.