- Report: #17507
Complaint Review: HRS USA - City of Industry California
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Author Not Confirmed
Why?
HRS USA
P.O. Box 60107 City of Industry, 91716 - 0107 California, U.S.A.
Phone:
800-280-0644
Web:
N/A
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Business Rating:
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HRS USA also known as Levitz ripoff City of Industry California
HRS/USA also known as Levitz has incorrectly reported my account as 3o days late two months straight. Despite Bank of America faxing confirmation that my payment was made electronically 7 days prior to due date.
In February HRS USA added the notation to my credit report that the creditor (HRS USA) had closed my account due to non payment. My record indicates that I neither late nor guilty of nonpayment in Jan and Feb of this year. This adverse, derogatory report has caused the underwriter to pull the loan for my new home which was scheduled to close last Friday.
Bank of America's regional manager for customer relations, electonic payments division has been unable to convince HRS USA that their DEROGATORY consumer reporting is preventing the underwriter from reaching closure on my loan.
HRS refused to talk about the bank error......claiming their right to enter derogatory even when it is a banking error. DO NOT DO BUSINESS WITH THIS COMPANY!
Joanne
Lakewood, Washington
In February HRS USA added the notation to my credit report that the creditor (HRS USA) had closed my account due to non payment. My record indicates that I neither late nor guilty of nonpayment in Jan and Feb of this year. This adverse, derogatory report has caused the underwriter to pull the loan for my new home which was scheduled to close last Friday.
Bank of America's regional manager for customer relations, electonic payments division has been unable to convince HRS USA that their DEROGATORY consumer reporting is preventing the underwriter from reaching closure on my loan.
HRS refused to talk about the bank error......claiming their right to enter derogatory even when it is a banking error. DO NOT DO BUSINESS WITH THIS COMPANY!
Joanne
Lakewood, Washington
2 Updates & Rebuttals
Nancy
Huntsville,Alabama,
Take Action
#2Consumer Suggestion
Mon, March 25, 2002
Your credit score has seriously been damaged. You can check on your rights in your state by contacting the Federal Trade Commission. Their website is http://www.ftc.gov Information is available regarding Fair Credit Reporting Act and how to file a report/complaint within your state. Whatever excuse HRS uses, there is a time limit on how long it should take for a payment post to your account. The date the check cleared is your evidence, and as soon as the check clears your bank, HRS has your money. Your bank can provide copies of the check or transaction history, with the date/time of when the check was deposited. That information will be needed for HRS to research where or if the funds were actually applied, and make necessary corrections. Believe it or not, if there are fees imposed by your bank for the copies, you can invoice HRS for the cost of copies, postage, proof of delivery, your research time, etc.
#30
Sun, March 24, 2002
Despite Bank of America sending repeat letters to HRS USA indicating that I paid electronically my HRS USA account on the 8th of January and on the 7th of February, HRS USA is reporting my payment which was paid early as having been late. The HRS payment is due the 15th of each month. Through a banking glitch, the payment was returned to Bank of America with the notation invalid account number. The number happens to be the same number that I have paid my payment with electronically for the past three years. This adverse action has temporarily stopped the lender from financing my new home 48 hours before closing. The Levitz derogatory entry caused my credit score to drop more than 100 points. Levitz hrs usa refused to talk with either Bank of America or myself.
