HSN - Home Shopping Network HSN - Illegally accessing credit report of consumers , Internet

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. 

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 HSN.com website, hope this helps.

Yeah, they suck!

SCUMBAGS....

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.

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?

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. 

OMG!

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.