Orchard Bank just processed my payment a week early. I have been using online payment. The payment was set for January 13 giving me time to deposit my paycheck. WITHOUT my permission, HSBC/ORCHARD BANK CREDIT CARD processed my payment 5 days early. My paycheck does not arrive until January 12. January 12th is my birthday. I am disabled and I just got out of the hospital. This obnoxious, illegal processing of my payment early will bounce five checks and the bank will attached fees of $35.00 to each bounced item. That is an excess of $300 in fees. I am furious. I did NOT authorize a payment to go through today. They illegally changed the date of my online payment. There has to be some banking rule to control fraud. This is fraud. Fraudulently processing early to benefit themselves. They wanted the money a week early, so they processed the money from my checking account. I specifically entered the date AFTER my paycheck and they intentionally changed the computer information. Please, tell me who to write, who to go to. I cannot call the phone number. Orchard Bank has sent all their customer services to the Phillapines and the customer service represntatives are reading queue cards. When you call customer service, they just repeat what the queue card says, over and over again, like a recording. They do not respond to any questions or complaints. It really is a sad situation. Before I signed up for this credit card, they had bright, intelligent people answering their customer service calls. Now, I can't even get customer service. Now, disabled, I am in a very bad situation due to Orchard Bank Mastercard owned by HBSC. I would settle to be able to contact the president of the U.S. Location. I think he should be notified of this fraud. Not unless he has authorized this illegal action.
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