Orchard Bank - HSBC Ripoff Predatory Lending Practices Intentionally Unresponsive Customer Service Internet

Regarding the issue of the card member needing to register on the website as a New User, yes, that might be the problem. But when the card member CALLED them, why didn't any of them ASK ''did you register as a new user''? That is probably a pretty common issue, but the call representative has to have initiative, number one, to make this knowledge known to themselves, and then to make it known to the customer. The call rep well may have figured that was the problem, but is too apathetic to care about truly helping a customer. This little bit of insight comes from the sad experience of working with too many people in a bank's call center who just don't care, and they get away with it.

There is also an issue of possibly the call center management having ridiculous edicts such as not answering any questions not in the handbook for that specific department, which is also a case of someone, or more than one, needing to be fired. Since Orchard Bank serves people who are not always in a position of feeling they have a right to speak up, this wouldn't surprise me at all. Get their money -- that's a possible company slogan, unspoken but clearly communicated.

As for the Original Poster, Anthony, YOU NEED TO CANCEL THAT CARD. Annual fees, etc., are going to start piling up, and the card you paid to zero will end up far from zero. There is no sense in paying these fees out of fear. If you have paid off your legitimate balance, fight however you can to get the card cancelled.

Document everything --- it's a horrific pain, yes, but before you pick up the phone, write down the date on a regular sized piece of paper, the time, and start noting Phone # you dialed, Department Name if possible, Rep Name, details as best you can, if you get transferred, that department name, etc.

It's hard but you don't need to be blackmailed by this company for who knows how long just because they make it hard. If you need to write something down, tell them, ''please wait a moment, I'm making a note''. If they are rude about that, NOTE IT. If they hang up on you, NOTE IT.

I don't know if you can email them or not, but if you can, save a copy of your email somewhere other than the account you send it from. You can copy and past into word processing programs, or forward the SENT email to another of your own email accounts. Make sure you save any responses, and forward those to another email address, if possible.

If you have to resort to pen and paper, make copies, and send it whatever kind of mail it is that will give you a receipt so you KNOW they received it, and save that, too!

If you have to spend some money for special mailing, if it's less than the annual fee, etc., it's worth it.

Just like THIS site says: Don't Let Them Get Away With It!!! They make it hard ON PURPOSE. Good Luck, Anthony!

This is to address the comment about having to register on the website for an account to be recognized for access.
How do you explain the fact that this person called, spoke to a person, and was still told the same thing?
Even if you're not registered for internet access I would hope they have access to your account when you call them.

On the Orchard Bank website is the following FAQ:
If you were not previously registered for online Account Access, you will get a message that the Account number is not recognized. Please return to the home page and register your Account as a new user.

I am not defending Orchard Bank, just saying that usually if you follow instructions you are less likely to run into problems.