Orchard Bank ,HSBC YOU ARE PAID IN FULL...LEAVE ME ALONE!! Salinas California

Please file small claims. Stop trying to get into the online account, because you'll wear yourself out, because the company doesn't want you to get into it probably so you can see that the fees are excessive and get the proof of this.

There should be a small claims efile in your county, but some counties don't have them. You can file a fee waiver if you cannot afford to file small claims.

When a small claims action is filed on companies like these, they will stop their dishonesty and stop wracking up fees and charges, plus maybe offer a reduced payoff. HOwever, there is no reason at all they should charge you anything past the payoff amount, so they are doing something criminal at this point if they are still charging you. Small claims will immediately stop this criminality, because the company will realize they will get caught.

get a restraining order or some court action if you feel threatened. Don't put up with this because you feel unsafe. the collectors are probably using a scare tactic so you won't take court action.

don't pay anymore. the credit bureaus wont put negative amounts that you really don't owe on your credit report, even if the company tries to make it appear you owe it, as far as I know. Write the credit bureaus and have them investigate any possible negative reporting that is not accurate from this bank and have cease reporting what the cmpany invents you still owe.

Tell collectors to stop calling you wiht a cease and desist letter. Legally, after you ask them to stop calling you, they can't call anymore.

Next, if you're a rowdy, scream at the top of your lungs and scare the collector. They'll think they are dealing with a very rough person who isn't going to take their nonsense,and be less inclined to want to continue calling and intimidating you.

Please file small claims. Stop trying to get into the online account, because you'll wear yourself out, because the company doesn't want you to get into it probably so you can see that the fees are excessive and get the proof of this.

There should be a small claims efile in your county, but some counties don't have them. You can file a fee waiver if you cannot afford to file small claims.

When a small claims action is filed on companies like these, they will stop their dishonesty and stop wracking up fees and charges, plus maybe offer a reduced payoff. HOwever, there is no reason at all they should charge you anything past the payoff amount, so they are doing something criminal at this point if they are still charging you. Small claims will immediately stop this criminality, because the company will realize they will get caught.

get a restraining order or some court action if you feel threatened. Don't put up with this because you feel unsafe. the collectors are probably using a scare tactic so you won't take court action.

don't pay anymore. the credit bureaus wont put negative amounts that you really don't owe on your credit report, even if the company tries to make it appear you owe it, as far as I know. Write the credit bureaus and have them investigate any possible negative reporting that is not accurate from this bank and have cease reporting what the cmpany invents you still owe.

Tell collectors to stop calling you wiht a cease and desist letter. Legally, after you ask them to stop calling you, they can't call anymore.

Next, if you're a rowdy, scream at the top of your lungs and scare the collector. They'll think they are dealing with a very unstable person who isn't going to take their nonsense.

Why didn't you pay by mail? No fees involved.