HSBC North America Complaint - My Accounts on Hold for? - Household & Orchard Bank
Household & Orchard Bank - Complaint
SALINAS, CALIFORNIA -- I have cards on both them and I pay annual fee as I was trying to improve my credit score.. I have never missed a payment and I access everything online. One day, I was going through my accounting and accessing my credit card online accounts and I could not get into either one of them... The funny thing is that both cards were placed on hold at the same time... Note, I am moving to another state soon and I go down to see family..
So I called in and one is closed for business (6pm EST).. The other phone is 800 and I got through customer service. They directed me right to credit review department. Be aware, these cards don't even give you a credit increase and you are paying annual fee.. The ladies comes online and verifies me with multiple private information.. Maiden name, social, address, etc.. They obviously could tell that I am the account holder... She states for verification purpose that the accounts were placed on hold and they want me to mail my income, 2 utility bills, and social security.. I asked why? You have my information and I asked where is the notification? It is in the terms of agreement. So I stated then wouldn't you think you should notify before you place it on hold so you do not disrupt services? She stated that we did.. Really, then why would I be calling you and finding out now?
Also, you really think it takes less than 1 day to notify? To make the long story short... They have my information, they know I pay my bills.. Heck, I even told her when my last payment was (since I went into the account the week prior to pay my bills)... All she could state is that I have to wait and can't use the card until it is cleared.. SO you pay annual fee for service, you are denied service (and it is acceptable for them to place a hold).. Do you think you should get credit? I see why credit card companies are predatory.. They have no problem and demanding us pay right away but would do anything possible to deny service... And they could change terms whether they want..