i HAVE RECIVED A CALL FROM A COLLECTION AGANCY STATING I OWE MONEY I HAVE ADVISED THIS PERSON THAT I DO NOT AND BEFORE I MAKE ANY PAYMENTS I WOULD LIKE TO SEE THE BILL I WAS ADVISED THEY DONT HAVE ONE I HAVE NOT RECIVED ANY BILLS ANY NOTICE NOTHING AT ALL FROM THIS CC COMP AND NOW I OWE THEM 800 AND NO ONE CAN SHOW ME WHAT FOR

I NEVER APPLYED FOR ANY CREDIT CARD AND THEY SEND ME A LETTER FROM COLLECTION DEPARMENT (HSBC) ORCHARD BANK

They said my wife has a credit card account past due but she has no credit card nor has she ever. They called her workplace and said she would be served papers at work if she did not respond. They want to settle out of court and I believe this is a scam to scare people into sending money to them.

When I received a pre-approved credit card solicitation from Orchard Bank, it said nothing about annual fees associated with the card. So when I called to respond to solicitation, the first thing I asked an account representative was whether or not the card had an annual fee. I was assured it did not. I made it very clear that unless the card had no annual fee and the introductory APR was locked at 0% for the first 12 months, I had no interest whatsoever to open that account. Again, I was assured by the account manager on the phone that the APR was indeed 0% for the first year and there was no annual fee. I also stated I was not interested in any other bogus fees, like proetection insurance, and such. I stated that the only thing I want to see on my monthly statements, were my purchases, and nothing else - otherwise, I have no interest in the product offered. Lo and behold, when I got my first statement, annual fee of $39 was listed there. After calling the 800 Customer Service # being placed on hold for about 6 minutes, I finally got to a customer service rep. After hearing my complaint, she informed me that she needs to transfer me to another account manager. I then repeated my complaint to the account manager. She informed me she regretted I was "misleaded" (her words, not mine - unfortunately, the lady possessed very poor command of English language) and said she will go ahead and close the account even though they were "sorry to lose my business". I pointed out to her that if she was truly sorry about losing my business, the right (and ethical) thing to do was to deliver on their promise of no annual fee card and waive that fee. She said again she was very sorry but she could not help me in any other way. I asked he if she really thought that the bank was actually going to collect the fee I was promised not to be charged in the first place, to which she replied, "if you don't pay us, we'll report you to all three national credit bureaus". Great practice, eh?

I have finally paid off my full balance with my orchard bank account, i am in the process of paying off all my debt and I am almost done!!! I was told by the women that i spoke with that she can wave the late fee since i was paying off my balance in full... she told me to wait 4-6 days and the 30 dollar credit would be on there... well i checked my statement and it was never credited ...i know it is only 30 dollars... but no i keep getting emails saying they cannot do that... it is on my account agreement... i mean seriously why would i pay off the whole balance and not the 30 dollars if this is what i was told... i will be also contacting the BBB and all troubleshooters in colorado... this is the worst company ever and customer service sucks!!!