Orchard Bank - Household Bank Double-Dipped My Checking Account Salinas California

Just so you know I had a mortgage with HSBC and credit cards. I went BK'd on the credit card but mmonths later sold my home and paid off all my other debt.

My wife and I each had our own independent credit cards with Household and my wife also had an orchard card.

Yes we got tight with some medical setback by about 5 weeks but started to make ground. Well you know how they are about "your late and all we will take is pay by phone" and they would charge us $12.00 fee but free if the spouse got on the phone and paid for it with the same account that had always paid them.

Well a few months of that and we were in the check example seq. of the #1177, #1178, #1779 and such.

We they now had our routing number and it was on 3/11/05 they were authorized to pull it on the 3/17/05. We by 3/21/05 my bank called me and said you had NSF's we were like What?!?!?!

Long story short they tried to cash #1180 on the 3/11/05 six days before they were to do so. Second there was check number 12 on the same day. also check number 13 the following day. since they tried pulling funds days befor they were sopposed to they made 4 other checks bounce. They rolled in the next week bumping 5 other checks plus the four checks that did not get their money last week. The bank took 11 days to notifiy us of this and it costed us $30.00 for each NSF totaling $870.00
but if they did not to what they did the $868.92 in checks would have all cleared.

Well after going to the bank and getting the images of the checks, found out they used our names from the real check, then creating a new check putting my wifes name above mine, reusing the routing number from #1180 to create #11, #12, #13. each funny looking check had my correct bank name but a little town on the other side of my state. Also the cleck ink stamps had these transactions, it was cash through a "bank of america" then to "HSBC" then to a "secure box"?
Weird?!?! whats a Secure box anyway?

My bank closed those accounts and openned me new ones and transffered my DD into the new ones.

I said I would refi my home and get rid of the less then $10,000.00 in CC-Debt and my score was 680 last year, I made no new purchases. The first mortgage company said I had all HSBC credit cards on my report and there was 4 of them? I said I only had one HSBC!!!

Long story short HSBC took over my wifes Orchard bank CC, and Household CC, as well as my HouseHold CC. And that 4th one was a BK'd debt which HSBC add five digits to that account making it look diffrent from the origal BK'd account to look like an unpaid debt. Also that my wifes independ credit cards were now showing on my credit report when they never should have!!!

I figure since I had a mortgage a few years back they merge my wife infor back onto my credit report, or when Household said if your spouse makes the payment no $12.00 fee would be added--HINT did this make me liable to have her CC attahed to my Credit report?

I call back Household-hsbc why did they pull funds 6 days before they were authorized. Well you now the same story as everyone else, "NO WE DID NOT, WE ONLY PULLED ON THAT DAY YOU TOLD US TO"

We'll he is one for you!!! I have the images from the bank what you pulled!
2. My bank states FROM THE BAK THEMSELVES say other wise!!!!
3. I just got the Household statement STATING

HOUSEHOLD STATEMENT!!!!!
transaction date 3/11/05 POSTDATE 3/17/05 for CHECK #13
Next line
Transaction date 3/11/05 NSF on 3/11/05 for check#13
transaction date 3/16/05 late fee for check #13

Well you clear put on the statement that on 3/11 that check was not to be cashed til 3/17.
I am waiting for the rest of the statments to come in showing you are dead wrong!!!
And why did you make up your own seq. of check numbers?
And I say that because my bank cancled that last one you just created out of the blue as check number 14?

Well my chredit report came in at just over 500, so no mortgage will give me a useful loans. I will go to the FCU to see what I can do.

After this I will this time for sure get a lawer to get you guys for the damages you have cuased me and mine. But first I have to pay them off in full before they late fee me and over any limit stuff they pull. they caused me to fall behind 3 weeks of pay effecting my mortgage payment.

as they say every dog has its day, and I feel my day comes soon since I have the paper work to show it!

I never had a problem with those CC untill HSBC took them over!

I will update as soon as I find out which means I will use to pay all of them off, to stop them now before the keep burying me.