Note: After this account was paid in full, there was an overage of $34, which again HFC failed to refund in the required period of time.

— The Susan Talley – Susan Tally Story —

Household Finance – any better than Household Retail Services? Read This !!
Notice how the branch manager “doesn’t know ” who to call, who is in charge, how her own company functions, what phone numbers are still good, fails to tell the consumer about her manager for the state of residence, and gets $1275 more interest from the consumer. Fraud, stupidity, or simply a training issue? You decide.

— The Susan Talley Story —

——————————————————————————–

Editor’s Note: This is proof of why Household International paid a $484 million settlement on October 13th, 2002. As shown below, they stole $1275, then compounded interest on that amount for 2 more years. How much will they pay in a settlement? Less than what they stole. Don’t be fooled by Household – and don’t do business with them.

Editors notes: Household Finance Corporation will not talk to consumers about key changes or settlement payoffs on their account unless the account is past due. In this narrative the company brings the account current so they “can’t” talk to the consumer.

While this was going on, the Securities and Exchange Commission was investigating. They learned that Household was bringing current a whopping $1 billion (USD) of loans a month. The SEC issued a cease and decist order.

Just before foreclosure a phone rep tells the homeowner that they are not telling him the truth:

Day by day, from September 1999 through December 2000:

9/15/1999 – Called by HFC Corporate requesting check payment by phone
9/17/1999 – Called by HFC Corporate telling me that my payment would not be needed and check is voided
9/23/1999 – The check was processed anyway. Called Huntsville branch manager Susan Talley, as was told to call 1-800-550-3278. The number was no good. Event sequence:

I was told to call 1-800-547-8776
Corporate told me to call my local office
Local office told me to call corporate
On 7 October 1999 I was told to fax copies of my processed check to 1-813-307-8480 to the attention of “Mercedes.”
I followed up with a phone call and was told there was nobody by the name of “Mercedes.”
Corporate transferred my call to 1-800-547-8776, which was Beneficial Finance, who was closed.
I called HFC Corporate again, and they told me to call the local branch.
The local branch told me to call 1-800-547-8776
This returns me to step one (above)

7/28/2000 – I sent a letter to HFC at their University Drive address, with a copy to HFC Corp in Baltimore, requesting assistance on my account. No reply was received.

28 July 2000 – faxed and called Susan Talley, local branch manager, asking for help

4 August 2000 – Called the local branch at 1337; was told that Susan Talley would call me back. Called the local branch at 1500 – was told that Talley never got the message.
—

8/7/2000 – I followed up on my correspondence by calling the local branch of HFC, and was told at 1:37 PM that the branch manager would call me back.

At 3:00 PM I called again and the branch manager (still Susan Talley) said she never got the message.
Susan admitted she received my letter. There was no intent to reply (my opinion, based on the history described in this narrative.)
Susan told me to call 1-800-586-6668
I called the number and reached a recording saying that the number was no longer in service.
I immediately called Susan Talley again.
I was told to call 1-800-846-7510.
I left a voicemail for a gentleman named only as “Ralph” but my call was never returned.
No reply to my letter was received from corporate offices in Baltimore.

8/14/2000 – I received my next bill from HFC

The bill states “please call an HFC representative at the number listed on your statement.” The number is the local branch, at 256-721-1771
I called the local branch, and was told to call 1-800-846-7510
The representative told me that my account is handled by the local branch, and I need to call them.
I called the local branch. I was told to call Susan Talley.
8/15/2000 – Susan was not in.
8/16/2000 – Susan will call me back.

—

16 August 2000 – at 1410 Susan Talley said she would try to get in touch with someone in Baltimore and would have them call me. – no call from anyone received

17 August 2000 – Settlement offer sent to Susan Talley

20 August 2000 – Talley said Leon would call me on 8/21 (never happened)

21 August 2000 – Talley gave me Teddy Leon’s number (supervisor of collections) as 1-800-597-7773 X1582

18 September 2000 – Called Mr. Leon again, left message, no return call. No calls from Talley or Leon since 8/21 when I was given the number.

19 September 2000 – I called Leon again

20 September 2000 – I bombarded MR. Leon’s number until he answered the phone. He said Susan Talley never called him, did not know about the account, the account was brought current and was not in collection. Leon stated that a settlement had to be between 75% to 90%. Balance on that day was $16336.60 – Leon said he would return my call, might be in the evening, asked if that would be OK. – never happened

October 2000 – no action, received no calls, waiting for account to no longer be current again so Leon would call me.

21 November 2000 – Talley is supposed to call Leon – never happened; Talley asked me if I wanted to call Leon; I refused, after the run-around and lies from the last time I tried to call him. Talley never called me back.

21 December 2000 – Received a letter from HFC, and I called the number on the letter. HFC rep told me that Leon had no authority and could not offer a settlement – never could, and never will. I was advised to call and ask for a supervisor for Alabama.

27 December 2000 (at 14:15) – called Ms. Woodworth, supervisor for Alabama, 1-800-547-8759 X7030. Woodworth told me I should have been more aggressive, said the problems in the past were “in the past” that I had a contract, and I should have done more. Woodworth said they would not bring the account current again. I explained that I did not ask for them to bring it current before, because they would not discuss settlement unless it was past due.

I told Woodworth that the balance on the day (7-28-2000) I faxed Susan Talley was $16050, the balance after this mess is $17225 – this blatant run around cost me $1275 – asked Woodworth if she would waive the additional $1275 as it relates to a settlement of 75% percent. – Woodworth stated that Leon was wrong and it would be no less than 85%. With no waiver.

Note: HFC, now owned by HSBC Bank, opened a new office at 11220 Memorial Pkwy SW, Huntsville, Alabama, and the phone number is (256) 650-7274. I recommend you do not conduct business with them either. Six years later they still treat customers like this. Check this detailed report

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