     Madaboutcredit (Madaboutcredit) | Thursday, May 11, 2000 - 03:23 pm 
My girlfriend has had a few problems with HRS.
First off, she has a branded credit card from a major electronics chain. She has bought items on those "Don't pay a dime til 2001" deals. After buying a computer and some other items on the same kind of don't pay deals, she pays the minimum they require to get that deal every month. Problem is they change the reference numbers when these things are due so you get charged the interest.
Her credit is immaculate and she has written, called and complained to the supervisors and it keeps happening. They ask her to include a note defining what it is she wants paid, and ask her to write SEVERAL checks in the amounts for those reference numbers. She does and it still happens. She calls them and tells them to fix it which they do.
But it reeks of the "We'll do it this way, see if she notices and if she doesn't we make some interest (which happens to be 21%) and hopefully she won't call us on it." approach.
BAD BAD BAD. Anybody have problems like this with these goons...please share. |
| Senator (Senator) | Thursday, May 11, 2000 - 04:50 pm
who is HRS? Circuit City? |
| Daniel Tretola (Dant) | Friday, May 12, 2000 - 02:28 pm
Tell her to return the Computer
-Dan |
| Madaboutcredit (Madaboutcredit) | Monday, May 15, 2000 - 01:10 pm
HRS is better known as Household Retail Services a division of Household finance. I recently found out that there may be a class action suit against them for the very same reasons I listed above.
Best Buy was the company. While we like their customer service their credit card supplier/financer are jerks. |
| John Shimmer (Jshimmer) | Friday, May 19, 2000 - 09:41 am
Our Best Buy card is through BankOne, not HRS. |
| Christine Baker (Admin) | Friday, May 19, 2000 - 10:24 am
That's strange. I've never dealt with Best Buy, but I've had similar problems with Manufacturer Hanovers in the 80's.
I paid both the Visa and the M/C in the same envelope, although I wrote 2 separate checks with each account number and I included BOTH payment coupons.
They applied it all to one account and the reported the other account as late on my credit.
Phone calls did nothing, eventually I wrote to the NY Dept. of Banking and it got fixed.
It appears that the people who open the envelopes and process the payments are min. wage people who have to fulfill a QUOTA. I've had a LOT of problems due to address changes on those payment coupons not being processed.
I believe the only solution is to use one envelope per account. What a waste of postage. And if you don't want to do that, definitely use on check per account so you have proof later that it was paid. |
| Madaboutcredit (Madaboutcredit) | Friday, May 19, 2000 - 01:40 pm
Best Buy uses HRS and BankOne. My girlfriend's credit is so immaculate that they gave her a LARGE credit line. I recommended she ask them to use BankOne since I had a credit card with them and they were alright. My past experiences with HRS and their bizarre tactics were still fresh in my mind but I didn't think they would still act like that after they merged with Beneficial (guess I was wrong). |
| Christine Baker (Admin) | Friday, May 19, 2000 - 05:07 pm
ACK! BENEFICIAL!!!!! That brings back some awful memories.
They screwed me out of my almost last $250 for an appraisal which resulted in NO LOAN due to an appraised value of LESS than the purchase price 6 month prior in 1987 near San Francisco.
That's while the market had gone up at least 15% and I sold the property another 6 months later for about 40% over my cost.
I wouldn't touch that outfit with a 1,000 ft pole.
And I'm wondering if your g/f's accounts are reported as Finance company accounts as that will lower her Credit Score. |
