Complaint Review: Orchard Bank - Salinas California
- Orchard Bank 1441 Schilling Place Salinas, California U.S.A.
- Phone: 503-293-4037
- Web:
- Category: Miscellaneous Companies
Orchard Bank Working Overseas with a Security Hold that won't release. Salinas California
*Consumer Comment: This is not a RipOff
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I had decided to make use of my time overseas to improve my credit and started this credit card account. As I am in a country notorious for postal corruption I thought it would be better to use my sister's address.
I have explained to them over and over that I work for the Government overseas and for security reasons I have my mail going to my sisters. The whole issue started when I logged into my account from home where I use a local ISP, at work because it is a goverment office we are on U.S. I.P Addresses. After this logon they blocked my access to my account. This caused me to incurr a late fee because I couldn't see how much I owed from the initial annual charges. I had to incur the additional expenses of calling my sister to have her look at the physical statement. Then I paid the whole thing off. To remove this security hold they wanted a notorized letter from my sister, a letter from my office, copies of my identification and hers. She has mailed this three times to the address they provided:
HSBC Card Services
P.O. Box 80055
Salinas, Ca 93912
Their toll free number is:
800 395 7555
The have repeatedly told me they have not received it. So, here I am stuck with a valueless piece of plastic because I wanted to improve my credit. Their customer service people that I get to speak to are useless and offer no customer service at all. I have requested repeated that due to the fact that I am in time zone that is 11 hours ahead of theirs, if they would communicate with their security department and email me. No they can't do that. I am beyond frustrated, but don't see another option to fix my credit or get this to work for me.
Lori
Dhaka
Bangladesh
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This report was posted on Ripoff Report on 06/02/2008 12:02 AM and is a permanent record located here: https://www.ripoffreport.com/reports/orchard-bank/salinas-california-93912/orchard-bank-working-overseas-with-a-security-hold-that-wont-release-salinas-california-336272. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
This is not a RipOff
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Monday, June 02, 2008
The fact is by your own words that you are in a country that is known for corruption. You should expect that ANY U.S. credit card company would have increased security measures.
If you are only 11 hours ahead you should still be able to talk to the security department on the phone. Even if they open at 8am that is 7pm your time. For the same reason your account was blocked(security) is the same reason that they or any other company would not communicate with you on something like this through e-mail.
As for your sister sending all of this information. How did she send it? For something like this she needs to send this information by Certified Mail with a Return Receipt. You can also see if they have a Non-PO Box address that would enable you to send the documents by Fed Ex or UPS that would also provide full tracking. You also should be sure that you reference your account number on all of these documents.


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