Complaint Review: Orchard Bank

I've had a credit card with Orchard for about 5 years and always made my monthly payment on time.  I made one late payment at about the same time I applied for a mortgage loan, and this went on my credit reports and prevented me from getting the loan.  My wife had 5 major strokes and bypass surgery in the brain, is now disabled, and fell in love with this home we were trying to purchase.

When I called customer service to ask to have this removed from my credit report, citing that my past payment history was great and this was preventing me from purchasing a home, the customer service rep acted like she could not care less and denied my request.  One mistake should not prevent me from buying a home, but Orchard is completely unforgiving.  They are completely inflexible and unwilling to work with their customers.

I advise everyone who reads this to cancel your account with Orchard if you have one because they will not be there when you need them.  If you don't have a credit card with Orchard, do not make the mistake of getting one.  They do not care about you no matter how much you are in need.