Andrew Armishaw, group executive and chief information officer at HSBC has some explaining to do. Consumers have reported in recent weeks that HSBC’s online payment website, www.hrsaccount.com , will not let customers pay their accounts online. The number of complaints about the online payment website rose to an all time high in recent weeks. Consumer watchdog organization Household - HSBC Watch said www.hrsaccount.com supports accounts for predatory lender Household International, now called HSBC Finance Corporation. See a letter to the FBI and regulators.
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Category: 05 HSBC - U.S., Credit, Credit bureaus, Pay Online, Racketeering, You Should Know
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Report that you may be the victim of identity theft with at least one of the three major credit bureaus — Equifax (www.equifax.com or 800-685-1111), Experian (www.experian.com or 888-397-3742) or TransUnion (www.transunion.com or 800-888-4213). That bureau is required to notify the other two.
Category: Credit bureaus, You Should Know
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A recent article reported that one’s FICO score can drop by more than 65 points if your credit card company does not report your limit to the three major credit bureaus. The omission can be costly when you apply for credit. Capital One omits the information. Equally costly, according to Household - HSBC Watch consumer advocates, is reporting one account in three slightly different ways.
Category: Best Buy Stores, Credit, Credit bureaus, You Should Know
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Household and HSBC were accused of crediting payments “late” for almost ten years, from 1994 through 2004. Did the fraud stop? This is from December 31, 2004:
Category: Credit, Credit bureaus, HSBC North America, You Should Know
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12 things a debt collector cannot do:
Contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree;
Contact you at work if he/she knows that your employer disapproves of such contacts;
Use obscene language;
Repeatedly use the telephone to annoy you;
Make false or misleading statements or writings, such as falsely implying that he is an attorney or government representative, that you have committed a crime, or that he represents a credit bureau;
State that you will be arrested if you do not pay your debt;
Send you anything that looks like an official document from a court or government agency when it is not;
Use a false name;
Deposit a post-dated check prematurely;
Deceptively make you accept collect calls or pay for telegrams;
Contact you by postcard;
Apply a payment you have made on one debt to another debt without your approval.
Category: Credit, Credit bureaus, You Should Know
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