Complaint Review: Orchard Bank

On 2/2008 activated the credit card on the phone as per the sticker on the front of it. Recording said "Thank you your card has been activated," March paid 1st statement in full just the 39.00 annual fee went to make purchase 5/2008 transaction declined by merchant call was made to company I was sent a letter asking for verification info letter returned to company. 6/2008 attempted purchase declined by merchant called company again another letter was sent asking to verify my identity letter mailed back to company .

In 9/2008 attempted purchase merchant declined card. Call placed to company 7/2008 asked questions company claimed card was activated. On 10/2008 attempted purchase card declined.Call to company 11/2008 asked a serious of questions by company they clamed verification answers were wrong sending another letter, no such letter arrived. Call to company 1/2009 at this time I told them to cancel card as I was never able to use it and refund 39.00 annual fee.

Company after speaking to with 3 supervisors refused refund of annual fee as per their contract. Explained as per contract I should have been entitled to use the card in which I paid the fee for. Response "Your not getting your money back Mr. Russell sue us if you would like" We have canceled your card and that will leave a negative impact on your credit report'. Agent then hung up the phone.


Rainbowguy10
Phoenix, Arizona
U.S.A.