I received a phone call from a company representing HSBC / Orchard Bank stating I was late with payment and I had a past due balance of $736.00. I replied I had made a payment for this month and told them the amount and date I made the online payment. My Balance was $66.02 and I didn't have a ...
I also had accounts with BOTH HSBC and Orchard Bank (same parent company). Perfect standing over the last 2 years, and in fact had just paid both down to a $0 balance. 7/12 I get a notification on both accounts that the interest rate, currectly . 49 on both will be going to $. 99 on both. I have ...
I really wish I had known about this site when I signed up with Orchard. It amazes me how many people are getting. Pardon my french... Screwed over with disgustingly high APR who don't deserve it. I pulled my credit report, and noticed wow I've been current with HSBC for over 3 years! So why the ...
I have had a card with Orchard for just about 2 yrs. I was late once, just once and they TRIPLED, yes TRIPLED my APR from 9.9% to 28.95%. They said that in the terms of the agreement they could run another credit report on me at anytime and change the rate. This is a piece of garbage company who ...
Back in September I received a notice stating that the APR terms of my account were to change from 16.4% to a whopping 26.99%. The notice stated that if I disagreed with the change, they would close the account and drop the APR back down to 16.4% until the account was paid in full. Rather than send ...
I applied for an Orchard Bank MasterCard to help boost my credit! My apparent mistake was sending it to my PO Box. I have all my mail sent to my PO Box, since I went through mail fraud and ID Theft a year ago! The only problem is that that friggin company can't seem to verify squat. I had to jump ...