Complaint Review: HC Processing - Springdale Arkansas

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

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

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

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