Orchard Bank Household Bank Household Finance harassment billing following hard sell after letter refusing business and returning unactivated credit card Salinas California

February 23, 2004

Orchard Bank

This is a complaint about a Rogue Loan company in existence since 1932: Household Finance aka Household Bank aka Orchard Bank, >1700 Bad Business / Ripoff Complaints currently on file:

If the following is not illegal it is at least a hard sell:

I received an unsolicited application from Orchard Bank for balance transfers at low rates sponsored by my union, American Federation of Government Employees (AFL-CIO) (Local 1732, Madison, Wisconsin)

I filled the application and a balance transfer request that , came back rejected for debt/income ratio but shortly afterward received several offers for $500 credit 6 mo. low Apr but $39 Annual Fee followed by a card. The card I did not activate but returned the whole package in its envelope along with a cover letter saying that I did not accept because the cost of purchasing a credit line is too high. The card was left with the sticky tape intact.

On the second bill I received is advice to contact using telephone no. 800-434-4954. The answering machine requests the last four digits of the account no. that is 6317 but hangs up when I dial it. Reiterating with other buttons the voice gives another phone number 1-800-729-4964, but again it hangs up with the requested 4 digit number. Of course my account should not be registered because I had not accepted it.

There is a 503 number on the page but the operator warns it costs $2.00 per minute plus charges.

ccElectronic- Bad Business bureau
Attorney General, State of Vermont
U.S. District Attorney, 6th District
Hon Patrick Leahy, U.S. Senate Delegate, Vermont
Local 1732 American Federation of Government Employees AFL CIO, Madison, Wisconsin.
AFGE National Office Washington, D.C.




Frank
Bradford, Vermont
U.S.A.