Orchard Bank HSBC paid off account to close it out still receiveing unknown fees and charges, no one has a straight answer as to why. ripoff City Of Industry California, Schaumburg Illinois
I never receive a bill from orchard bank just a statement with late fees and overcharges when we cut up the card prior to this. When contacting them they stated that we always made payments on time and could not explain the late fees and overcharges but did not remove them.
So we decided to payoff the bill in full. we asked them if the account was close completely the said no that we had to pay a $3.00 dollar closing fee. Now our closed account is showing that we owe them $26.00. After paying the bill infull and without our consent the account has been reopened.
Numberous times we asked to speak with a manager or a supervisor With no result just read off scripted text to us.
We are still unable to get a hold of anyone to help us accomplish closing this completely. How can we close out the account if they are not willing to after we completely paid them off and clearly explained that we didn't want an account with them anylonger and they will not close it out?
Crystal
colorado springs, Colorado
U.S.A.
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
How to proceed....
#2Consumer Comment
Wed, July 04, 2007
Don't bother talking to these people on the phone. you'll just get caught up in an endless cycle of ever-increasing late fees, and other creative fees that they'll attach to your account.
Keep all communications with them in WRITING. Send a letter to them informing that you want to terminate the account. IMPORTANT: send this letter via Registered Mail with return receipt. this will cost $3 at the post office, but it's worth it. In your letter, include the registered/certified mail # on the card to make it look official.
These companies are highly predatory and they'll keep taking advantage of you forever if you don't take aggressive action and demonstrate to them that you mean business. These companies specialize in screwing over poor/low-income people whom they believe can't/won't fight back. show them otherwise.
Sending a request to close an account with return receipt creates a legal paper trail that they can't weasel out of and demonstrates to them that you mean business.
If you need to communicate with them further, gain use a certified letter.