Household Credit Services
Orchard bank ripoff charges $29.00 overlimit fees even when you do not go over your limit This has happened to me 4 times in the last 4 months

Orchardbank/household credit services. Are total ripoffs. They will charge you overlimit fees to your account even if you are not over your limit.

I will give you a example. If your limit is $1000.00 and your statement reads previous balance 985.00 3.09 in finance charge. = 988.09 29.00 overlimit fee = 1017.09. You are not over your limit until they add the over limit fee. Then this carrys over month to month even if you make your payment ontime every month.

They have done this to me for four months straight. I dispute it every month and they remove it every month. However, they do not have a toll-free number to talk to a rep. They put you on hold for up to 30 minutes. Therefore, you are racking up long distance bills, 9 times out of ten the person whom you speak to does not speak clear english. It is a frustrating and time consuming ordeal that they hope you will not put your self though and just pay the fee.

Company: Household Credit Services
Country: USA
State: Maryland
City: Baltimore
Address: P.O Box 17051
Phone: 5032934037

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