I have had this Orchard Bank secured card for more than 8 years with a limit of $350. Recently, I decided to set up online payments for convenience and to avoid their "slow-processing of payments leading to bogus late fees" scam. Using the website to enter in my account info and other info to initiate online account access, I was told by the web site that my account info was not found. Concerned, I called the customer service number on the back of the card. The rep there said there was no record of that account number. I called another number on the statement, same repsonse. Each person I called either said there was no record of my account, or that it was held by another division of HSBC and they each provided me with a number to call somewhere else. I spoke to people at the call center in India. They were useless. When I explained that someone had to be able to help me with my account, they simply said, "that account does not exist". Now if I were to have stopped paying the bill, you could be sure the account would exist.
The long and short of it is that this company makes a practice out of signing up unsuspecting consumers, many with compromised credit, and then not providing any real access to customer support. This way they can fleece people in the most vulnerable financial situations, without having to answer for errors or to justify their illegal and improper activities. I am afraid to try and close this account because of all the horror stories I have read here on this site.instead, I have simply paid it to zero and no longer use it. This company must be dealt with. I am posting here hoping that one day, a law firm will bring a class action against these awful parasites at which time I will be more than happy to help drive them into oblivion. If you are ever tempted to deal with this company, do your self a favor and forget it! Household Bank and HSBC are the same company as Orchard and they are all unacceptable. Caveat Emptor.
0 comments