Orchard Bank, HSBC, Household Bank Fraudulent City Of Industry Ripoff California

I sent in 2 checks to payoff my 2 Household Bank accounts. The first check was in the amount of $561.00 and was made payable to Orchard Bank. I went to their website to get the address on where to send payments in. According to Orchard Bank's website, If I live in California (which I do), I was to send in the payment to: HSBC Card Services PO Box 60102 City of Industry, CA 91716-0102. I mailed this payment July 28th, 2005. The check was cashed by HSBC Bank, and had their official stamp on a copy of the check I received from my bank. However, they did NOT post the funds to my account.

The second payoff check I sent was in the amount of $439.00. This check was made payable to HSBC Bank, and was sent to the same address as the check I mailed to Orchard Bank (They are the same bank, and have the same payment address). This check was also cashed and cleared, and I have a copy of this check too from my bank with the HSBC Bank stamp on it. I also mailed this check on July 28th, 2005. It is now September 2, 2005 and they STILL have not posted the funds to my account.

The reason I wanted to pay off Household/Orchard Bank is because they inadvertantly raised my APR from 18% to over 27%, and I always made my payments and made them on time. I didn't understand why they did this, but whatever the case may be... I didn't want to pay that much interest and I wanted to pay them of and close my accounts.

I tried calling the dispute department. HSBC is another penny-pinching company that routes all their calls through India to save massive $$$ on customer call-ins for disputes, and technical problems. I could barely understand the rep. She had very bad English skills. She told me I need to fax a copy of the checks to their dispute department along with a letter of explanation. She said it would only take 14 days to investigate it. Well, today is over the 14 day mark, and they still haven't posted the funds to my account, nor have they made any attempt to contact me whatsoever.

If there are any attorneys out there I would be more than happy to take HSBC/Orchard Bank to court and sue them, and then tack on a hefty fee for the stress and frustration they have been causing me over the past several weeks, and to tack on the attorney fees on top of that. This is absolutely the MOST unprofessional company I have EVER dealt with. They are NOT going to get away with this outrageous fraudulent act. I am not just being a "hothead" here and speaking from the perspective of someone in the "heat of the moment." I have made 7 or 8 calls in this company, and faxed over the information twice, and I have still not heard from them. Somebody, please help me with this. Thank you.

Erik
El Dorado Hills, California
U.S.A.