- Report: #117637
Complaint Review: Household Credit Services - City Of Industry California
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Household Credit Services
Box 60177 City Of Industry, California, U.S.A.
Phone:
800-660-7332
Web:
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Household Credit Services RIP-OFF, late charges & over-limit fees UNFAIR PRACTICES! City Of Industry California
Household Bank, dba Household Credit Services, have some unfair business practices. I know I'm not the first to notice it, nor will I be the last.
I was in the hopstial last month for a week and while I was having surgery, I obviously missed a payment. I am not an unreasonable person, I understand that they would access my late fee. This late fee put me over my limit and, on top of the late fee, they then tacked on an over-the-limit fee. Thanks to all of these unfair and unjust fees, I am now about $150 over my credit limit.
To make matters worse, a year and a half ago I chose to protect my account with their so-called "Secure Plus" program, which they claim takes care of my account in the event of unvoluntary hospital admittance or loss of job. I had my Doctor fill out a claim form, which I've sent in. They have not yet received the information, so they refuse to freeze my account until they do. Every Household Bank employee I've spoken with tells me that they will not waive these fees, even after they receive the claim. They only freeze it "after the fact", although all of these fees were tacked on while I was in the hospital.
What is the point of having protection on your account that doesn't kick in when you need it, or that the company refuses to remove fees for the very time you need to file the claim in the first place? I think that Household Bank runs an unfair business, unfairly adds on fees and then refuses to help. Once I pay this account off I cutting the card up IMMEDIATELY.
To anyone who has ever dealt with Household Bank, I'm sure you know what I'm talking about. If you haven't, I urge you NOT to open a credit account with them. They'll suck you dry.
C.
Harrisburg, Pennsylvania
U.S.A.
I was in the hopstial last month for a week and while I was having surgery, I obviously missed a payment. I am not an unreasonable person, I understand that they would access my late fee. This late fee put me over my limit and, on top of the late fee, they then tacked on an over-the-limit fee. Thanks to all of these unfair and unjust fees, I am now about $150 over my credit limit.
To make matters worse, a year and a half ago I chose to protect my account with their so-called "Secure Plus" program, which they claim takes care of my account in the event of unvoluntary hospital admittance or loss of job. I had my Doctor fill out a claim form, which I've sent in. They have not yet received the information, so they refuse to freeze my account until they do. Every Household Bank employee I've spoken with tells me that they will not waive these fees, even after they receive the claim. They only freeze it "after the fact", although all of these fees were tacked on while I was in the hospital.
What is the point of having protection on your account that doesn't kick in when you need it, or that the company refuses to remove fees for the very time you need to file the claim in the first place? I think that Household Bank runs an unfair business, unfairly adds on fees and then refuses to help. Once I pay this account off I cutting the card up IMMEDIATELY.
To anyone who has ever dealt with Household Bank, I'm sure you know what I'm talking about. If you haven't, I urge you NOT to open a credit account with them. They'll suck you dry.
C.
Harrisburg, Pennsylvania
U.S.A.
2 Updates & Rebuttals
Pamala
Rome,New York,
U.S.A.
It's unfortunate
#2UPDATE Employee
Wed, March 16, 2005
If it were me you were speaking to I would have waived some fees for you due to extenuating circumstances, however, with Account secure plus, it's not waste, I've had many cm's tell me it's helping them out. You have to be patient with paperwork, but again, I must tell all cm's that you HAVE to read your information that you get. Acct Secure Plus has an info packet that they mail and in it it mentions that if you are charged late fees etc... they will be reimbursed by the service. You can't please everyone and I do think that someone should have waived something for you.
Jacqueline
La Habra,California,
U.S.A.
My problem was resolved quite easily, the protection you can purchase through credit companys. ITS A WASTE OF MONEY!
#3Consumer Suggestion
Sat, November 20, 2004
I just want to comment on the protection you can purchase through credit companys. ITS A WASTE OF MONEY! With that said, I was plesantly suprised by Household. It put my other creditors in a position to have to follow HH example. On Nov 12, 2004 I mailed 3 credit card payments from my residence. Nov 19 I went to my online banking and noticed a check clearing for unusual amount. My bank allows you to see on line the actual image front and back of paid checks. I thought it was some mistake and took my check book out to compare to the duplicate in my checkbook. Instantly I knew I had been victimized. The check in question was originally made out by me to Household in the amount $50. I was looking at that check being used at an Albertsons market 1 block from my house on Nov 16 for $267 ( $60 cash back) I went through the rest of my credit card payments only to find none had been cashed after they were mailed out 2 weeks ago. I verified none had been received bt the credit card companys. To make a long story HH was so understanding, foregoing the request I have a police report filed. I called the other companys back and told them I would be paying them off, and using my HH card for any future charges. They then all agreed to forgive the late fee and not require payment till my next billing cycle. I may be back to post if they do not follow through with the promises they made. However on one of the worst days of my life, they took very good care of me. My mom once told me- Its not what you said Its not what you did Its how you made the person feel HH made me feel like I was not the one to blame or going to penalize me further, they would wait until my bank had processed new checks and recovered the money that was stolen. I can only speak for myself, HH has earned my business.
