- Report: #138984
Complaint Review: LHR - Hamburg New York
-
Author Confirmed
Why?
LHR
1 Main Street Hamburg, 14075 New York, U.S.A.
Phone:
716-648-3240
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
LHR LIES,False Information, Ripoff! Hamburg New York
I fell behind on a Providian credit card about 3 years ago and after trying to no avail to work out any kind of payment plan to them(my account had never been late and I always paid above the minimum, and one day I got a letter in the mail stating my account had been closed) I could not pay them anymore money.
I was also informed that my APR had been raised to 29.99%. I did not hear from them again from March 03 until a company called LHR began calling my home in about October,2004. I called Melissa James back and was told that LHR had verified my home ownership and if I did not meke a settlement with them,they would put a lien on my home.
I told Melissa that I would give LHR 10% of the balance(over $1000.00 had been added to the original balance)and was told LHR would get back in touch with an answer. Providian had charged off $2600.00,which was 600.00 more than the highest limit I ever had with them, and LHR was coming after $3684.00.
A few days later, Melissa called and said my offer was accepted and I could send them 2 payments that would equate to 10%of my balance. I was told as soon as the 2nd payment was received,I would receive a letter stating my debt was paid in full and it would be reported as such to all 3 credit bureaus.
I paid my payments on time and did not receive my paid in full letter. I called and spoke with 2 other people who said Melissa was not in, but my account was showing to be paid and my letter should be on the way. After another week, I finally got in touch with Melissa, who apologized for the delay, and assured me that I would receive my letter within 7 days.
On the 7th day,I received a call from someone in LHR(I think his name was Mike)who said he was the one that was in charge of making the decision on whether or not to sue me. I told him about my agreement with Melissa and he laughed at me and said there was no way that they would settle for that. He said I had to pay at least 35%of the debt,and if I gave him $1000.00 that day, he would even count the $350.00 I had already paid them. He said if I couldn't give him the $1000.00 right then,I would have to pay the full amount.
I called to talk to Melissa and got her extension,but was told this lady was Alyssa. Melissa was supposedly fired the day before. This was the same person I had been dealing with,but she was no longer polite like she was before. She, along with everyone else I dealt with after that incident, has been rude. I no longer answer my phone when they call, and I will file a complaint with the FTC so maybe enough of us getting ripped off will make the government investigate and shut down this organization.
Chris
Greensboro, North Carolina
U.S.A.
I was also informed that my APR had been raised to 29.99%. I did not hear from them again from March 03 until a company called LHR began calling my home in about October,2004. I called Melissa James back and was told that LHR had verified my home ownership and if I did not meke a settlement with them,they would put a lien on my home.
I told Melissa that I would give LHR 10% of the balance(over $1000.00 had been added to the original balance)and was told LHR would get back in touch with an answer. Providian had charged off $2600.00,which was 600.00 more than the highest limit I ever had with them, and LHR was coming after $3684.00.
A few days later, Melissa called and said my offer was accepted and I could send them 2 payments that would equate to 10%of my balance. I was told as soon as the 2nd payment was received,I would receive a letter stating my debt was paid in full and it would be reported as such to all 3 credit bureaus.
I paid my payments on time and did not receive my paid in full letter. I called and spoke with 2 other people who said Melissa was not in, but my account was showing to be paid and my letter should be on the way. After another week, I finally got in touch with Melissa, who apologized for the delay, and assured me that I would receive my letter within 7 days.
On the 7th day,I received a call from someone in LHR(I think his name was Mike)who said he was the one that was in charge of making the decision on whether or not to sue me. I told him about my agreement with Melissa and he laughed at me and said there was no way that they would settle for that. He said I had to pay at least 35%of the debt,and if I gave him $1000.00 that day, he would even count the $350.00 I had already paid them. He said if I couldn't give him the $1000.00 right then,I would have to pay the full amount.
I called to talk to Melissa and got her extension,but was told this lady was Alyssa. Melissa was supposedly fired the day before. This was the same person I had been dealing with,but she was no longer polite like she was before. She, along with everyone else I dealt with after that incident, has been rude. I no longer answer my phone when they call, and I will file a complaint with the FTC so maybe enough of us getting ripped off will make the government investigate and shut down this organization.
Chris
Greensboro, North Carolina
U.S.A.
