HC Processing Center review: scam and fraud! 60

I too bought a BoFlex back in 2006. I paid regularly and one month got told my payment was late and they raised the interest to like 22% or some ridiculous amount. I argued that I mailed it ahead of time and it is not fair to raise the rate because it sat on someone's desk. After two years of paying over $50 a month plus one time I sent in $500 I had enough. my husband was laid off and I still had many medical bills from when my daughter had passed away. Anyways I made arrangements again with them to try to lower my payments. I just could not keep making $50 payments along with everything else. The collection letters started coming, and than they started calling all kinds of people who had my same last name. When I called and asked why they had called my stepson I was told that they looked people up on the internet. I said that is not legal. This is harrassment. Well the woman got real nasty with me telling me I needed to be paying my bills. I explained that my husband was unemployed and I even had voluntarily had my car reposessed. I could not afford her high payments and she could do what she wanted with reporting me to the credit bureau. Well with that she went off on me that I have obligations to pay my bills, and where do I get off not paying people that life does not work this way.

All my life I have worked. Unfortunately I had a special needs child who had many medical bills over her four years of life. My husband and I have always paid our bills and busted our a#$ to pay our bills. We fell on tough times and have struggled to stay afloat ever since. I just don't want you to think I am the type of person who relies on welfare or anything like that. By the way as a side note we were unable to ever get medicaid etc... for her due to our income.

Anyways now I got a letter today stating that if I do not call them I will be liable for court costs, attorneys fees, plus what I owe and that they will be taking me to court. I am a nervous wreck over all of it. I just simply do not have the money at this time to pay them the large payments and they still will not take smaller ones. Has anyone been taken to court by them?

My brother is on SSD (paranoid schizophrenia) and gets less than $7000.00 a year, yet HCC gave him credit for a Contour bed for over $3000.00. They haven't sent him a proper bill so they can up the rate on the loan. Both Hcc and Contour are crooks. My brother is having a psychotic episode and it getting worse because of the stress. They are playing with fire. The attorney gen of Arkansas and my home state will be getting letters, as well as Contour the attorney a letter.

Mike Catherwood

I THOUIGHT I HAD PAID THESE IDIOTS OFF, BECAUSE I NEVER RECIEVED FROM THEM FOR QUITE AWHILE JUST YESTERDAY I RECIEVED A CALL, THE GUY MENTIONED HIS NAME ONLY. ON MY VOICEMAIL, HE DIDNT ONCE SAY A DANG WORD ABOUT BEING LATE NOTHING. I JUST DONT WANT TO HAVE THEM GARNISH MY WAGES BECAUSE THEY NEVER EVER SAID WRITE NOTHING WHATSOEVER SO I DONT KNOW WHAT TO DO AND HEARING ALL THESE COMPLAINTS. I NEED ADVISE WHAT TO DO. DOES ANYBODY OUT THERE HAVE ADVISE ? SURE I GOT BAD CREDIT . BUT I SURE AS HECK HATE BILL COLLECTORS, ESPECIALLY WHEN THEY DONT HAVE ANY COMMON COURTESY ON SENDING BILLS TO YOU, , AND ANY COMMON COURTESY WHAT THEY WANT IN THE FIRST PLACE . I WELCOME ANY HELP THANKS I CANT EVEN FIND OUT WHAT THIER ADDRESS IS WHATSEVER I GUESS HE MENTIONED THE CO. BUT STILL?

what a bunch of f--ken assh-les...i paid my balance on the due date of the month that the promotion was over and they send me a bill for almost 700 dollars because for some stupid reason the promotion was over three days before my payment due date was...and when i call to speak to someone they won't even transfer you to a supervisor...WHO IS THE CUSOMER ME OR YOU! I WILL BE REPORTED THEM TO THE BETTER BUSINESS BUREAU AND STARTING A LEGAL ACTION...I WILL NOT PAY THIS.

DO NOT USE THEM AS A BORROWER UR BETTER OFF GETTING A LOAN FROM THE LOAN SHARKS...AT LEAST THEY'LL SMLE WHILE THEY SHOVE A STICK UP UR A$$!

I don't know who these people are, but according to my credit report, they just ran a credit check on me, and I haven't lived in the United States for over 5 years. How the hell did they get my SSN. I'm a bit worried. I have had no credit dealings with anyone in the last 7 years, and nothing with them ever.

Every time I log on I receive error messages then I get lock out this happens every month this is the worse next to JC Pennys web site. This make me late in paying my bill if I could I would borrow the money and never do business with this company again. I agree with the complaints on this web site. Poor Poor customer service.

...Oh no...i made my first payment over the phone on may 7th of 2014...it hasnt shown up on my bank statement as of yet...im reading all of these horrific posts and am about to stop all transactions with this company...It was a loan for cosmetic laser treatments, which i only received one in which they burnt me...not looking so good for me...luckily, i have a lawyer in the family...

Borrowed $10, 030 total. W minimum payment would cost me over $24, 000. I paid the first 3 months in advance of payments of $350, minimum payment was $324 each. I was still charged $184 minimum payment fee for each month even tho I paid more. They told me if it wasn't the full payment it's considered a minimum amount. I've received hundreds of calls, been threatened, and I hired a lawyer, when I applied for a loan, the apr was 19%, they changed it to 27.99 before I even made a payment and charged me as a credit card account and not a standard loan service as to what I was told. Currently fighting them over fraudulent information, distributing secure information, harassment, and they violated the contract and lied about it, I recorded the phone calls as well. Caught them lying. Keep all ur papers from these liars!

This company is horrible. You you never pay them off. I requested a payoff quote and was told I would still receive another bill. On top of that, the address where I send the payments is incorrect (it's the one that's posted on the bill mailed to me). The rep told me she is not sure why they have that address listed online or the statements sent out. Anything that is not a full payment is considered the min. amount. It's the called the HelpCard which is really the HurtCard. Since they are closed on the weekends and after 7pm... I can't locate a their bank name or correct address so I can pay them off and never have to deal with them again.

DON'T USE THIS CARD! There's a $65 annual fee or whatever but if you go paperless, $20 are deducted & to get the rest waived you have to fill out paperwork and mail them a voided check. I didn't get around to doing the 2nd part. Long story short, I finished paying the balance for what I had purchased so all that was left was the annual fee which was passed the promotional period. These people added a $51 APR fee to the $38 I owed. What?! Although I had no APR for 6 months, they still included APR for 6 months for just the $38 annual fee! Ridiculous! These ### are thieves!

This company is a SCAM, I borrowed $1000 to pay on this other scam place called Light Rx, by the way Light RX doesn’t work, they said with their machine you loose weight in your tummy, after taking 10 glasses of water and they do treatments of 10 minutes “LOL”, but this 2 companies worked together. So after I finally had 1 last month to finish to pay them, they charged me interest of another $200 anula interest at 29% APR I was surprised because it was 1 year no interest, then after I was almost done paying to them they charged me another $373, stating that I still owed to light RX, that day I had enough, I told them that “ I want it to dispute the charges ‘ I called light Rx, I spoke to the manager and explained the situation that I never accomplished what they said and I didn’t have results, and she took off the charges, so my balance was $0 immediately I called this rip off company and closed the account, they are UNBELIEVABLE, After I closed the account 3 months later I got another bill in the mail that I am about to find out tomorrow what it is for, Enough is Enough the government should look and investigate and close this Company, Is very UNETHICAL,

HCC, please give me my money back. No merchants want to deal with your scamming company or want you to represent them. I cannot use this help card anywhere in NYC because of your bad reputation, give me a check for the money owe, Yes you owe me and I want my money back.

overcharging for product, overcharging for interest and fees;total interest and fees for the last years worth of payments ( 1, 923.00) was almost 60% (1, 141), only 782.00 was applied to principle. [total interest & fees should be less than635.00] product purchased cost 2, 295 from company hc processing billed it at 3, 365 plus a 59.00 fee!

I just want to pay off my bill and be done with them. They are not customer friendly and they wont even negotiate a lower interest rate even if you have an excellent payment record.

READ FINE PRINT. Starting to look shady: I am less than $1000 away from paying off an $8000 bill and I received an email saying I can pay the remaining portion due for -20% OFF!- however the next paragraph states that if you accept the offer it will list your overall status as paid but SETTLED and never paid in full. Meaning a hit to your credit. I've been paying 6x my minimum payments for the last year so to receive an offer like this- when clearly I'm not hurting to pay it down- is suspicious. I plan to pay off the entire bill next month and not settle AMAZINGLY I currently cannot log into my account to see the remaining balance. I have never had this problem before.

Ive been paying on a sleep number bed for 5 years now. Original purchase price was 3200. To this day I've paid 4933 and they say i still owe 1465. I'll have paid 6400 for a 3200 piece of crap bed. DO NOT USE HC PROCESSING