Orchard Bank aka HSBC Card Services, Inc. Complaint - Ripoff Artists! - Orchard Bank Credit Card

Review by Daisygirl on 2006-09-30
These dishonest ripoff artists increased the APR on my account to a whopping 27.99% without notifying me & for no reason.

I have always made my payments early & often for much more than the minimum payment due.

They claimed it was due to changes in my credit report but I have a copy of my report & when compared to the report I got just before opening the account, there have been NO changes.

They are LIARS, CHEATS & as soon as I can pay them off, I will close the account & never do business with them or any of their affiliates again.
Comments:3 Replies - Latest reply on 2006-09-30
Posted by Harold on 2006-09-30:
Daisygirl, Would you like me to contact the CEO of the bank and see if I can help you get your interest rate reduced back to what it was originally? I had a similar situation with Chase Bank last week and I contacted an executive at the bank about it and got the interest rate reduced. I do not charge for the help. I am a consumer advocate and I do this type of thing all of the time to help people. If I can help let me know.
Posted by CaptainSpaulding on 2006-09-30:
I have an HSBC Bank Platinum MasterCard, and I have never had any of the problems that you describe. Maybe the problem isn't with HSBC, but with you?
Posted by Anonymous on 2006-09-30:
Daisygirl, I am sure HaroldSays is a superdeeduper consumer advocate but I hope you will be VERY cautious sharing credit card or any pesonal information with any stranger.
Having said that I do think his suggestion of calling and speaking with a supervisor or other individual who can change it for you is a very good one. Sometimes they will lower it if you call and ask, I had success with my bank by just calling and asking.

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