- Report: #34908
Complaint Review: HRS USA - Wilmington Delaware
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Author Not Confirmed
Why?
HRS USA
HRS USA p.o. BOx 15521 Wilmington, 19850-5521 Delaware, U.S.A.
Phone:
800-3650292
Web:
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HRS USA ripoff Wilmington Delaware
We are complaining because of high interest rates and late fees charged by HRS USA. THey were charging 6% because we were going thru a consumer credit agency which was sending the payments for us. They claimed we were 60 days late, which we weren't.
Only 30 days almost 60 , but never 60. They raised interest rate to 20-21 percent. WIth help from the consumer credit agency, they lowered to 9 percent- and wouldn't give us back the 6% rate anymore.
THen, when we dropped the Consumer Credit Agency and wanted to pay on our own, they started charging 19.80 percent and have continued to do so for about 9 months now.
They also do not have a grace period for getting payments in . Several occasions, electronic payments have come in to them. I even had my bank contact HRS for me to explain to them, that Bank of AMerica and Hrs have an agreementfor Hrs to accept electronic payments.
THe representatives are ignorant and rude. They are not trained very well at all on customer service. Everytime a new rep gets on the phone, I get a different story. They are not consistent with their rules and regulations. I would like to get my interest rate back to where it should be- 6-9%. There is no reason to charged the interest they are charging. WE are struggling financially, and have 3 small children. I am actively seeking employment and my husband is trying to hang on to his job.
I am also asking for last late fee of $29.00 to be removed. HRS should have credited my payment on same day received- the 8th of November. They did not. Now, I have another late charge put on my account as of 11-11-02. Thanks!
Frank
Martinez, Georgia
Only 30 days almost 60 , but never 60. They raised interest rate to 20-21 percent. WIth help from the consumer credit agency, they lowered to 9 percent- and wouldn't give us back the 6% rate anymore.
THen, when we dropped the Consumer Credit Agency and wanted to pay on our own, they started charging 19.80 percent and have continued to do so for about 9 months now.
They also do not have a grace period for getting payments in . Several occasions, electronic payments have come in to them. I even had my bank contact HRS for me to explain to them, that Bank of AMerica and Hrs have an agreementfor Hrs to accept electronic payments.
THe representatives are ignorant and rude. They are not trained very well at all on customer service. Everytime a new rep gets on the phone, I get a different story. They are not consistent with their rules and regulations. I would like to get my interest rate back to where it should be- 6-9%. There is no reason to charged the interest they are charging. WE are struggling financially, and have 3 small children. I am actively seeking employment and my husband is trying to hang on to his job.
I am also asking for last late fee of $29.00 to be removed. HRS should have credited my payment on same day received- the 8th of November. They did not. Now, I have another late charge put on my account as of 11-11-02. Thanks!
Frank
Martinez, Georgia
1 Updates & Rebuttals
Wendy
Anywhere,Alabama,
U.S.A.
Having credit accounts is a privilege.
#2Consumer Suggestion
Thu, December 19, 2002
I currently have four revolving accounts through HRS USA. I just have to say that having those accounts are a privelege, not a neccesity. You do not finance necessary items through them, which is why the interest rate is so high. And because they are credit accounts, they don't need to give grace periods like car payemnts or housing payments. If you cannot afford your accounts there, you should not have gotten them to begin with. I'm not happy about their regulations either, but that's the way it is with credit accounts. The want to make sure that you don't decide to pay them whenever you want, and that's why they charge the $29 with no grace period. And they need to charge you as much as they can for interest so that they still make money off of the deal if you default. Car account and motgage acccounts aren't the same because companies know that people need those things and aren't as likey to quit paying on them. Credit accounts, on the other hand, are quite the opposite. They have nothing to take back from you if you quit paying them. You just need to be a little more understanding of the credit companies. All they're really doing is lending you money to give you the chance to have the things that you want before you actually have the money for them. It's not their fault if you don't have enough money to pay them later on. They shouldn't be the ones to lose money on the deal, you should.
