I opened up a $300.00 limit on a card with Orchard Bank. I ended up paying over $800.00 to these scam artists. When I submitted the payment over the internet, I would always get late fees. I called and actually got someone to talk to. They stated that it depends on my regular bank when they receive the payment. So by the time my regular bank okay'd the payment it was considered late to Orchard. My regular bank said this was not true. They released pay'mt immediately-it took Orchard Bank 5-7 days to process this. So therefore, I have totalled over $500 in late charges throughout this whole ordeal. I tried to pay over the phone, but this also requires a fee! I have paid my card in full. Orchard Bank told me that my account was closed. Yet, the next month I receive a statement that I owe $66.00 for a late fee. I finally paid after arguing for days with them. Once again my account was closed. I threw my card away. I do not remember my login in information. Once again I receive a statement. I called due to the fact I could not login. They would not help me. They tell me that I am the only one that can access my login information. I asked them to at least give me my account number so I can get online and access my account. They can't do that for security reasons. This has gone on for 2 years. I can't imagine the amount of late fees I am racking up. Yet, no one will help me access my account. I got this card to begin with to help my credit. How sad. I wonder if these people sleep well at night knowing they are destroying the credit of people?
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