April 24th purchased a camcorder through HSN using flex pay. On the same day I purchased an ACER computer using the same bank card and same flex pay. HSN charged my bank account over $200 and then called me several days later to tell me that they had canceled the ACER computer. That they could not do the flex pay on the computer because they had ran a credit check through Experian.
HSN was never authorized them to run a credit report. They can be severely fined for violating the FCRA, especially if they have committed these violations numerous times which I am sure this is the case after reading other RIP off complaints.
Secondly, I have a freeze on my credit reports so they should have had no way to obtain a copy of my credit report from any of the three credit bureaus. Therefore, the credit bureaus are in violation and subject to being sued.
What they are doing is totally illegal. Thanks goodness for the RIP OFF report website so that you can search these types of issues to see how many other consumers have been victimized. If you have been victimized by HSN, I urge you to file a complaint with the BBB and the Federal Trade Commision. Also call the credit bureas. I am working on finding an attorney to file a class action law suit againt HSN & the credit bureaus. I am also researching to see what type of penalities and fines can be imposed against HSN and the credit bureaus by regulatory agencies.
I really want this to cost them in the pocket book as this is totally wrong and illegal. If you are an attorney and read this please contact me if interested in pursuing this as a class action law suit.
0 comments