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Orchard Bank Consumer Reviews - Page 2

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Orchard Bank Holding Payments a Week (7 Days)
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NORCROSS, GEORGIA -- I made a copy of the online transaction when the payment was made. It was 6 days ago now and what they do is apply your payment but hold it as a charge. I thought with electronic banking they're now in two days. I worry of the late charges but haven't seen any yet. Will watch this closely. I do make a habit of paying mine in full - to me is bad business - but I guess they don't appreciate us as customers. Just know we need them to build credit. Also, their customer service is mostly overseas.

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Holding Payments
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NEVADA -- These people will steal your mother if you're not careful. I have never seen such blatant disregard for a consumer in my life. I make a payment and they pull the money out of my account and hold the payment for 2 weeks. If a merchant charges the card incorrectly or the charge is considered a cash withdrawal there is an automatic $5.00 fee just for the transaction, not to mention an escalated interest rate. If they really want to help consumers then they should consider outlining the pitfalls of this card.

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Orchard Bank Credit Card
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FLORIDA -- I have paid off the total amount months ago and today received a call and was told I own 600.00 from late fees and membership fees that I have never been sent a bill for. How do I correct this? Please let me know what to do next. Thanks.

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Great Service
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HUNTINGTON, NEW YORK -- About a year and a half ago, I applied for an Orchard Bank Gold MasterCard and am a very satisfied customer. There was an annual fee of $39.00, but for that I received 0% for a year and after that an APR of 12.9%. At the end of the year, they gave me a credit limit increase and since I had paid on time, pre-approved me for a second card, the Orchard Bank Platinum Visa. This card had an annual fee of $29.00, but came with a 0% APR for 18 months and then a regular APR of 11.9% locked thereafter.

I kept the Gold Master Card opened and still received great offers for 0% on balance transfers regularly (twice in the past four months). The customer service is excellent and aside from the annual fees (which are minimal) I have never had to pay a penny for interest on purchases in the year and a half I've been with them. I highly recommend doing business with this company. I'm very satisfied!

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Major Rip-Off
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NEW YORK, NEW YORK -- On January 22nd I received my credit card statement with a $69.00 annual fee. I called Customer Service and told them to close my account immediately due to not wanting to pay such an outrageous annual fee (especially for a card that was not even gold or platinum). I was told that due to a January 21st charge...that I still had to pay the January 17th annual fee despite my immediately closing the account when I found out on January 22nd.

I explained that I didn't know about the charge on the annual fee on the 17th until I rec'd the statement on the 22nd...or I would have closed the account on that day and not used it on the 21st. Needless to say, the woman I spoke with couldn't care less about my being ripped-off...and insisted that there was nothing that I could do about it.
Does anyone know if this is legal? Does anyone know the name/address for the CEO at Orchard Bank aka HSBC? Would greatly appreciate any assistance or advice. Thanks!

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Orchard Bank Rating:
15 reviews & complaints.
Contact Information:
Orchard Bank
1680 Capital One Drive
McLean, VA 22102
1-800-655-2265 (ph)
www.capitalone.com
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