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HC Processing ripoff, charging late fees for paying on account before due date. Springdale Arkansas
HC Processing, don't be fooled. I also bought a bowflex, and my payments are sent to HC Processing. I have never been late, actually i pay my payments before they are due. But i recently received a late notice, and they were charging me a $39.00 late fee. I called them, and they were not going to do anything to try and resolve my issue. So, i make my payments, but im not paying that FEE........
William
Auburn, California
U.S.A.
4 Updates & Rebuttals
Danielle
Conyers,Georgia,
U.S.A.
HC Processing Contact Information and BBB.org
#5Consumer Suggestion
Fri, October 20, 2006
I reported them to the Better Business Bureau (which I recommend EVERYONE that has had a problem with them, do. Here's the website: arkansas.bbb.org)
Here's PART of the drawn-out response I got:
1) For security purposes, we use a third-party internet payment processing vendor to capture and then process online payments. Unfortunately, we do not have immediate access to payments as soon as they are AUTHORIZED online. Once payments are AUTHORIZED online by our card holders, then they are processed and RECEIVED by us when funds are forwarded to us by the third party. A payment cannot be considered "made" until we receive the money. This can be the next business day - or perhaps on the second business day after the consumer authorizes payment, as disclosed on our website.
In summary, the website clearly informs users that payments are usually credited within two business days. Therefore, any website payment needs to be AUTHORIZED at least two full 24 hour business days prior to the date on which a consumer intends to "MAKE" a payment. This is important to avoid late fees, and because any special or promotional terms a consumer may have on his/her account terminate immediately if a payment is not received as agreed.
I hope this clears up the misunderstandings.
Sincerely,
Carol Jacoway, V.P.
HELPcard
P.O. Box 829
Springdale, AR 72765-0829
PHONE: 800 935-3368
FAX: 888 621-7978
Website: helpcard.com
Danielle
Conyers,Georgia,
U.S.A.
HC Processing Contact Information and BBB.org
#5Consumer Suggestion
Fri, October 20, 2006
I reported them to the Better Business Bureau (which I recommend EVERYONE that has had a problem with them, do. Here's the website: arkansas.bbb.org)
Here's PART of the drawn-out response I got:
1) For security purposes, we use a third-party internet payment processing vendor to capture and then process online payments. Unfortunately, we do not have immediate access to payments as soon as they are AUTHORIZED online. Once payments are AUTHORIZED online by our card holders, then they are processed and RECEIVED by us when funds are forwarded to us by the third party. A payment cannot be considered "made" until we receive the money. This can be the next business day - or perhaps on the second business day after the consumer authorizes payment, as disclosed on our website.
In summary, the website clearly informs users that payments are usually credited within two business days. Therefore, any website payment needs to be AUTHORIZED at least two full 24 hour business days prior to the date on which a consumer intends to "MAKE" a payment. This is important to avoid late fees, and because any special or promotional terms a consumer may have on his/her account terminate immediately if a payment is not received as agreed.
I hope this clears up the misunderstandings.
Sincerely,
Carol Jacoway, V.P.
HELPcard
P.O. Box 829
Springdale, AR 72765-0829
PHONE: 800 935-3368
FAX: 888 621-7978
Website: helpcard.com
Danielle
Conyers,Georgia,
U.S.A.
HC Processing Contact Information and BBB.org
#5Consumer Suggestion
Fri, October 20, 2006
I reported them to the Better Business Bureau (which I recommend EVERYONE that has had a problem with them, do. Here's the website: arkansas.bbb.org)
Here's PART of the drawn-out response I got:
1) For security purposes, we use a third-party internet payment processing vendor to capture and then process online payments. Unfortunately, we do not have immediate access to payments as soon as they are AUTHORIZED online. Once payments are AUTHORIZED online by our card holders, then they are processed and RECEIVED by us when funds are forwarded to us by the third party. A payment cannot be considered "made" until we receive the money. This can be the next business day - or perhaps on the second business day after the consumer authorizes payment, as disclosed on our website.
In summary, the website clearly informs users that payments are usually credited within two business days. Therefore, any website payment needs to be AUTHORIZED at least two full 24 hour business days prior to the date on which a consumer intends to "MAKE" a payment. This is important to avoid late fees, and because any special or promotional terms a consumer may have on his/her account terminate immediately if a payment is not received as agreed.
I hope this clears up the misunderstandings.
Sincerely,
Carol Jacoway, V.P.
HELPcard
P.O. Box 829
Springdale, AR 72765-0829
PHONE: 800 935-3368
FAX: 888 621-7978
Website: helpcard.com
Danielle
Conyers,Georgia,
U.S.A.
HC Processing Contact Information and BBB.org
#5Consumer Suggestion
Fri, October 20, 2006
I reported them to the Better Business Bureau (which I recommend EVERYONE that has had a problem with them, do. Here's the website: arkansas.bbb.org)
Here's PART of the drawn-out response I got:
1) For security purposes, we use a third-party internet payment processing vendor to capture and then process online payments. Unfortunately, we do not have immediate access to payments as soon as they are AUTHORIZED online. Once payments are AUTHORIZED online by our card holders, then they are processed and RECEIVED by us when funds are forwarded to us by the third party. A payment cannot be considered "made" until we receive the money. This can be the next business day - or perhaps on the second business day after the consumer authorizes payment, as disclosed on our website.
In summary, the website clearly informs users that payments are usually credited within two business days. Therefore, any website payment needs to be AUTHORIZED at least two full 24 hour business days prior to the date on which a consumer intends to "MAKE" a payment. This is important to avoid late fees, and because any special or promotional terms a consumer may have on his/her account terminate immediately if a payment is not received as agreed.
I hope this clears up the misunderstandings.
Sincerely,
Carol Jacoway, V.P.
HELPcard
P.O. Box 829
Springdale, AR 72765-0829
PHONE: 800 935-3368
FAX: 888 621-7978
Website: helpcard.com