Household Finance

Reading all these articles about how HFC just ruined all the lives of these people compelled me to write my own personal experience with HFC. My wife and I bought a home 10 years ago. We had a great mortgage company working with us and everything was good. Well, a new home makes you want to do repairs and upgrades as much as possible. My wife and I both had steady jobs so we started talking about loans. HFC just popped up in town during this time so we paid them a visit.

My husband and I received a phone call in 1994 from our local Household Finance Co. The manager was so nice and she convinced me to tell my husband about how much we could save if we came into the office and spoke with her. Big mistake! We went and everything sounded so good and the refinance process went so smooth. Then after a year of that, we started having problems with our home needing some repairs that had to be done in order to live in it. And of course, HFC was there to help us! Added some more debt to our loan which then brought our payments up a little higher, but repairs were done.

In August of 2006, I received an offer through the mail from Beneficial as a "pre-selected loan advance" for $4,000.00. I had been considering starting a small business for some time before this arrived in the mail, but didn't have the money. This sounded like an answer to my prayer! So after a few days of mulling it about, I decided to call them up and get the loan. I had the funds wired directly into my checking account a few days later. They did say there was an annual fee of $50.00, which I accepted. The interest rate was much higher than I thought it should be (25 percent). My credit was very good at that time and none of my other credit cards were anywhere near that high, so I was a little put out by that issue.

We took out a mortgage several years ago with HFC. We were doing fine until I became unemployed and my wife had multiple doctor/hospital bills. We also had 4 kids to feed. We worked with HFC after our interest rate went sky high to almost 10% while the rest of the country was getting mortgages from 3-5% per the president. We worked with HFC, but got nowhere. We contacted NCAA and proceeded to work with them for help for over 6 months! Still, we got nowhere with HFC. We currently are getting a modification, finally. But it is a joke. Most of the time, money goes to interest and not principal. Our mortgage just gets higher and higher, and we are slowing sinking. Is there some class action lawsuit going on that consumers can partake in to investigate this company without costing money? I know what they are doing is incorrect because you never get the same answer twice nor do you see in the paperwork they send you.

My husband had lost his job, and was unemployed for 2 years and we fell behind on our mortgage. We have been faithful in our payments up until that point. We have lived in our home for 12 years and have no place to go if we get foreclosed on. We are currently behind almost 18 months and our mortgage company will not work with us. My husband is back to work, but only making half of the income he used to. I work part time and suffer severe migraines everyday, amongst other health issues due to an auto accident a few years back.

Mortgage and equity loan with HFC at 7.5% and 10% respectively. I had some difficulties with timely payments. I have much better record for the past 2 years. I pay more than asked. Month of May, I paid $2,000.00, only $183.96 was applied to principal. Something is very wrong here! This is a condex with value less than or equal to balances. The website offers rate reduction. I called and was told "we don't do that anymore". No refinancing either. Loans are not Freddie or Fannie backed. What kind of business practices is this company engaging in? I want to sue them for misrepresentation of services, possible fraud.

My mortgage is with HFC Beneficial. I have made all payments on time for the past 24 months. Today, I got a notice saying, “Your balance does not include accumulated unpaid interest of $1,547.31. This amount has not been transferred to deferred interest.” How did this occur? I agree with all the folks on this site that say you will never pay this loan off and you will owe more than you originally borrowed. You will have this loan until you die.

I used this company to back a mortgage with promises that after the first year, without missing any payments or being late, you would qualify for refinancing automatically with lower interest rates. Being that my credit score was better than it was before at that point than when I originally got the house, I figured it should be no problem. Not to mention, I had not missed a payment nor was I ever late. My husband's work had started to slow down, which I had explained to the office upon processing the paperwork initially. The fact that he did piece work where his pay check would change from week to week was going to be an issue. With that said, I asked that they use an average, which to me would make sense.

Household Finance Corporation II sued me and had Duggins Law Firm in New Orleans, LA garnish my wages for 2 years beginning January 2009 until February 7, 2012. I was scheduled to appear in court before the garnishment, and I was sitting outside the courtroom and didn't know my name was called. This was my first time and I thought you had to wait until they come get you to go in. I finally went in to see what was going on and it was too late. The judge told me to contact the law firm. I did, but they would not work with me at that time because they already had the okay to proceed with the garnishment. I have been dealing with a sick husband, and I request that they remove some of the interest but they refused. They garnished over 17,000 from my paycheck. They took $354.75 twice a month for 2 years and 1 month. I am so far behind with everything now. I still would like to get back some of the interest and fees I paid.

I have been trying to lower my mortgage rate with HFC from a 9.7% to something more current and have been refused each time. I have even tried a loan modification and was also refused by HFC. I cannot refinance because I owe more than the property value. I am current with my mortgage and have never been late. But HFC will not allow me a lower rate.

Foreclosed on my home illegally. Gave me 6 days to to get out, according to lawyer. Predatory lenders. Lost my home to foreclosure.

My husband and I sold our property over 5 years ago. Our mortgage was paid off entirely at settlement time. Now after all this time, I got a letter dated 10/4/11 that states we were underpaid. Problem #1: I have tried calling for 3 months to get the money. Still, I received no money and get a different excuse every time I call. Problem # 2: After calling for 3 months, they now say they will charge me interest of half owed to me (I reminded them I was not to be charged interest. They owed me. I did not owe them. If anything, they owed me interest. They kept my money over 5 years, and still have it).

This takes the cake. I have had so many problems with this company over the past few years. Again we fell behind because our interest rate is awful and every once in a while I have to pay my other bills. I did have my phone shut off because I was sick of hearing from them. She tells me not to pay any of my other bills, and she included my life saving medication in that. Then she demanded that I give her a phone number. I was like, listen lady, you told me to stop paying my other bills and I did so I have no dang phone number to give you. She wouldn't give up so I gave her the phone number of the pay phone on the corner. I am in shock that this woman told me that I don't need my medicine. There has to be something illegal about that.

Since September, we have been trying to get a loan modification. I sent in the information requested, only to learn 3 weeks later that I did not send in the correct information. This began a chain of events which has led me to send in the same information at least 3 times over the last 3 1/2 months. The mortgage representative from the company assures me each time I call that my file is complete, yet I am getting letters indicating that the information is not complete. I am told by the rep to ignore those letters.

This is my worst experience ever. When we needed help in lowering our payments, they refused to respond and then applied our payments to someone else.

We are in the process of purchasing a bank owned home. Household Finance is the bank that owns it. We signed papers a week ago and they have $30k of our money as a deposit. We still do not have keys to the house. We are waiting for the Appointment of Successor Trustee that has been sent twice to HFC. The escrow company can release the documents to closing until this form is received. I should be making interest on the money they have from me!

I checked my credit report and found that I was the victim of identity theft. I contacted Household Finance regarding a loan that had been taken out with the company in my name without my knowledge. After more than an hour of being placed on hold and being hung up on by customer service reps (It happened twice.), being transferred around to different reps (more times than I can recall), and being told contradicting statements of how to progress, I finally ended up with a manager who was very courteous and really tried to help me figure things out.

At the beginning of December 2010, I was offered a credit card from HSBC, through the mail. The limit was only $300, and I read the entire policy that was mailed to me with the offer. When I received the card, I discovered there was an annual fee of $74.00, which HSBC deducted automatically. I paid that amount within a couple of days of having the card. On December 23, 2010, my current amount owing was $283.00, which I paid in full. I am presently on vacation, out of the country, and I discovered today, December 30, 2010, that HSBC had not credited my account. I called HSBC this evening, through the number provided, to ask why it is taking so long.

In 2005, my husband walked out on me (for another woman in the family) and left me with bills and no income. He asked me to refinance our house as part of his by out. He wanted me to use HFC. As I was in shock, undergoing major medical problems, and did not know fully what was going on to ask questions, I did it. Well, it has been a disaster.

Before my husband retired, we applied for a modification with HHF. We asked them not to do a modification until my husband retired. We gave them the dates that he would retire, so they could go from those dates to see if we would qualify for one, and to let us know. My husband brings in from retirement $2900 and a house payment of $1775, and that's without taxes and insurance. Take that payment from $2900 and there would be not much left for gas, utilities, food, taxes and insurance. So they went on and did it anyhow. They did the modification without telling us, no calls or even asked us for our decision not even telling us what the payment would be.

Before my husband retired, we applied for a modification knowing it would be a hardship for us, losing half of our income. We gave them the dates of the retirement and ask them not to do a modification if we qualified until my husband retired and to let us know the outcome so we could discussed it with them. My husband only brings in $2900 a month on retirement and a house payment of $1775, and that's without taxes and insurance. Take that payment from $2900, not much left for gas, utilities, food, taxes and insurance.

Before my husband retired, we applied for a modification, gave them the dates of the retirement and ask them not to do a modification if we qualified until my husband retired. We knew our income would be cut in half. We were both working, bringing in enough money to keep up with our payments which was $1,775 a month that payment is without taxes and insurance.

received a letter from Household Bank Credit Card stating "a change of address was processed on your Household Bank Credit Card Account within the last 60 days". It told me to call 800-. When I called, the operator I talked to let it slip out that there had never been an attempt to change my address, then went into a sales pitch for Identity Protection Plan. Looking back at the letter, the bottom even talks about the Identity Protection Plan. So, the letter is an obvious fraud. There was no attempt to change my address, but it was simply a marketing tool. I believe this is false advertising. It caused just some simple "panic" when they tell you in the letter (which I still have) that there was an attempt on the account. The letter further stated, "A change of address that you did not authorize may be an early sign of identity theft." There is no need to cause people to stress over this.

On July 17th 2010, I made a payment through HFC online payment system. Everything was validated and confirmed. I received a confirmation number stating that my payment was complete then somehow, the payment fell off. Supposedly, my account went over the limit and I was charged a fee.

Here we go again, more harassment calls because they copied the wrong check routing number for the 4th time and told me that I now owe them a double payment. Both my wife and I are on Social Security Disability with heart disease and cancer. We do not need this extra stress.

Back in 2001, my husband and I got a loan in the amount of $5000. I was paying $236 a month. At the end of our last payment, I called to make sure one had just one month payment left. To my surprise, I was told that because I was late in making three payments, I have interest to pay. So I agreed to pay it in three payments and was told they will add the rest of the interest because of the post dated cheque. A year later, I was told I still owe money. My husband talked to them, asking why they are ripping us off. I didn't hear anything from them again.

I received a phone call on June 17, 2010 about this bill that I owe. The lady that called told me, "You are going to lose your job if you don't pay your bills." I have spoken with someone there and tried to set up payment arrangements. They would not accept this. I have always paid my bills until my husband, after 22 years of marriage, left. I am 53 years old. I couldn't find a job for 2 years. I have a college degree but little work experience because I was a stay-at-home mom. I am currently working, raising two sons, one is in college, and attending school to further my education to get a better paying job. I am taking legal action against this company, the credit company handling this account and the lady that I spoke with yesterday. She called me 3 times on my job after I requested her not call me at work. She has my home number.

I have had this credit card for 4 years. I’ve never been late, never missed a payment, and was never over the credit limit. I always pay more than required. I got a letter from them recently stating they are raising my credit limit because of my good credit standing, but then they raised my percentage rate from 14.99% - 19.99 % without any notice. When I called to complain, they finally sent me a notice on 6/5/2010.

They have copied the wrong routing number, wrong address and wrong social security number. They took two unauthorized payments from our checking account. Checks bounced. Harassment in their calling. I am recovering from open heart surgery. My wife is recovering from chemo treatments!

Was laid off from work, back in November 2009. Applied 3 times for hardship and was denied due to income too high. That was a joke. The first time Household keyed in my income as $3,600 a month which was incorrect,they doubled the amount. So I refiled again, still denied for income too high. Finally gave up after 3 times. Now they call me almost every other day at various times and always from a different phone#, so you don't realize it is them. Sometimes call as late as 10PM. They were harassing me about doing payments over the phone from my checking account which I was reluctant to do but finally agreed. 3 months ago they took the payment out twice on the same day for over $500.00, which overdrew my checking account and caused me 6 overdraft fees of $36.00 each.

I received a collection call about a payment due 4/12/10 on 4/30/10 and advised that I would be making the payment that day for a payment amount over the internet. The person calling wanted to know how I would be making it and I hung up. I made the payment as soon as I got off of the phone which was by 1:00 pm EST that day. The following day Saturday, May 1, 2010 at 9:00 am I received another call from the company about the same payment that was just made. I asked if the agent had checked their system for the payment and all he wanted to say was that he checked and I did not cooperate the day before, so he was calling back and wanted to know when I would be making the payment.

First off they cancelled my husband’s disability insurance shortly after we obtained our loan without explanation. He has since lost his job and we obtained one 6 months hardship and they never advised us of update or extension request. Now they have dollar amounts listed and no explanation of what it is. They over extended our mortgage to begin with and only one salary coming in. We are months behind and they won't work with us anymore. We are about to lose our home without assistance.

I bought a 1999 Ford Contour from Oasis Auto in Corpus Christi, Texas in the year 2000. It was financed through House Hold Finance. We paid vehicle of and have never received the title. We're trying to sell the car but can't get a hold of House Hold Finance.

On 01/28/07, my daughter passed away of cancer. Her husband asked to make a 2nd on my home where he lived also. When I got there to sign papers, they were already drawn up. All I had to do was sign and this was in 10/07 which means they already checked my credit with out my permission. Now, my ex son-in-law took off. I'm stuck paying and they won't even try and go after him. They said I signed I have to pay even though his name is first on the loan. What am I suppose to do? I have been paying since I'm just one month behind.

I have been a long time customer with Household Bank Credit and I started my account with a 7.9 percent interest rate. They raised the interest rate to 22.24 in July 2009 then six months later on November 2009, raised it to 29.99%. So in a 7-month period, my interest rate went from 7.99% to 29.99%. This is absolutely ridiculous. How can they justify an interest rate increase like that. I have maybe at the lost two late payments and when I say late, I mean like a couple of days and nothing over 30; I have a good payment history with them.

I send in my monthly payment to them and they put it on my husband's account. When I try to call and fix the problem all I get is an automated system. Now they say that I'm three months behind. When I do get a hold of someone they tell me that they look at the amount not who the check is made out to or who the check is from. We have two separate accounts and my husband's payments are $230 less than mine, so how can they get the account information wrong? This is not the first time this has happened to me. I think they need an office overhaul on account management.

My husband and I had a loan with Household Finance. Due to my husband’s illness and multiple medications, we got behind on payments of one month. When I spoke with them, I offered to pay half the month that we were behind on. They refused. Finally, I spoke with someone that suggested I send information requesting their hardship. I obtained all the information that they required and sent it to them. On Christmas Eve, I received a letter only stating that the hardship was denied, but I had 30 days to appeal the decision. There was nothing in the letter to state why it was denied. That same day of receiving the letter, I wrote a letter of appeal and sent it out.

On September 22, 2008, HouseHold Finance called my wife about getting a refinance mortgage to lower our payment from our present one and the salesperson did not sign his name, only used the finance company's name. We were told after a month that they need to get an appraisal of the property.

Well HFC, I guess you won. I am now filing bankruptcy. I sent an email to this site about 3 weeks ago. (John from Streamwood, IL)I always made my payments on time so I guess that was a mistake. I let you drain every last dime out of me and I just can't go on. I will miss my home but I won't miss HFC. You are the biggest blood suckers I have ever had the displeasure to work with. I can only hope that you end up selling my home at a loss and that you treat the new buyer (if you get one) the way you treated me and my wife so they file on you again. You had a good thing going with us but, you wouldn't play fair. Good-bye HFC.

Our house was damaged with tornado activity in April 2009. We filed a claim and the insurance. Paid fairly quickly but because of the mtg on the property we had to go through HFC loss draft department. The estimated time for repair was 2-3 months, we still do not have these repairs completed due to the errors and failures on the part of the loss draft department.

We have been with HFC for 14 years and we have fallen on hard times, but have never been late in a mortgage payment no matter what we had to do to make the payment. We refinanced with HFC in 2007 at a 9.83% interest rate because our home was worth more at the time and our mortgage person said we had such a good credit score (783) that HFC gave us more than our home appraised for. We were told that within a year of making payments on time that we can refinance for a lower interest rate. When the time came, we called our mortgage person to refinance at the lower rate and we’re told HFC is not rewriting any loans. When we refinanced, our loan officer coached us on how to get HFC to rewrite our loan. I believe we were misled by this person so he could make his quota for the month.

In 2007, I was given Power of Attorney for my mother-in-law. Then, she was disabled and had to have help with daily activities. She Is 78 years old and has been bedridden for 5 years. She also suffers from dementia. Well, we got a letter in the mail saying she owed this money, $13,000. I called and these people did not have her birthday, or her social security number right. The woman told me it was a misunderstanding and that I would receive a letter to confirm.

I never heard from them anymore. They have never called even though our number has always been the same.

On Friday, January 22, 2010, I received a judgment against me for over $7500.00 supposedly from 2004. I do not remember ever having anything to do with household and have received nothing from them in all these years! Now they want me to pay something I know nothing about? I’m ** off and sick to my stomach this is also putting a strain on my marriage.

I was laid off Dec. 1, 2008. I applied for hardship through HFC and received it for 6 months. When that was over, they never contacted me to see if I was still in the same financial situation, which I was. By the way, I live just outside Cleveland, OH. When I received my first bill at the regular payments, I was shocked. My financial situation had not changed. I was receiving up to 5 calls a day from HFC asking if I could make a payment over the phone for the outstanding amount. I told everyone who called that I was sending as much as I could but these payments were leaving me broke with no money to live on.

Attorney generals in several states sued household finance corp. for predatory lending. My interest rate went from 10.5 to 3.5 fixed for the term of the loan. You should contact Washington D.C. national coalition of reinvestment into the community. The revolving line of credit has been disputed also. Lower interest rate. Some fees dismissed.

They are unwilling to take payments on a debt I owe to Household Finance. I am working with Nationwide Asset Services out of Arizona. They tried to settle the account with Household Finance's attorney, Mr. **. They refused. I called the attorney's office myself and offered 400 dollars a month on the 16 thousand dollars I owe. They refused. The attorney's office wants a down payment of 24 hundred dollars, then they are willing to take payments. I don't have the 24 hundred down they want. So the woman at the attorney's office said, "Unfortunately, we need that down payment." The thing is, I'm willing to make payments every month and they won't take it. They are planning on wage garnishment according to the letter the attorney's office has sent me. I lost my overtime at work. My funds are limited. Help.

I made a loan in '04. I fell on hard times and wasn't able to pay the loan on times. Years went by and I got back on my feet. A judgement was filed against me and I wanted to get my credit back in order. I paid the remaining balance and was told that in a month, it would be removed from my credit. It still hasn't been removed and now I can't get in touch with anyone. I don't even know if they are still in business. I would advise everyone, stay away from Household Finance.

I ahve had several loans with Household= paying each of them off. I had a loan with them that I paid off almost 7 years ago, now they have turned me over for a civil suit. They say I owe them over $8000. I have not received any paper work or bills from them. They were paid off but I cannot find the payoff paper work. I cannot afford this mediation company nor can I afford an attorney.

I had my home refinanced through them in 2000 - I had a first and second mortage at the time and wanted it all rolled into one mortage and wanted a $5,000 pay out from my equity. They did this, charged a ton of "extra fees" and then at the last moment when we were signing the final documents said that I had a first and second mortage still but the second was only for $5,000 and the payments added up to the same amount they had quoted for the "total one mortage" account. They said after 5 years the "2nd" mortage would be paid and my notes would be lower. That was around 2000, in 2004 I fell on hard times and ended up loosing my home due to foreclosure - but the second mortage was not taken off when they took the house. The beginning balance of the 2nd mortage ended up being $8,500 and after 9 years of paying $185 a month it is still at $8,500 and not getting lower. I have tried to talk to them when they foreclosed on the house not understanding why the 2nd mortage didn't get wiped off as well but they wouldn't talk about it. Now all offices are closed and it is like calling a foreign country and not speaking the language when you call the customer service line for help.. They ended up telling me it was on a reloving account just like a credit card and that if I didn't pay more than the payment shown on my account each month that the balance would never go down.. can't just not pay because it would ruin the credit I have been able to build back up since 2005 and can't pay them off because I don't have the money - will have payment of $185 for the rest of my life at this point... Stuck between a rock and the HFC - Help!!!!!

Husband became disabled but we had disability insurance on my credit card We used this for about 8 months with no payment then suddenly it stopped and they requested payments be resumed with continued disability insurance although husband and myself both disabled permantly payments of 59 dollars a month added each month plus high interest and 39 dollar late fees. Husband permanently disabled. High interest, high fees, monthly payment amount WAY out of control and amount kept creeping up. Would not work with me when wrote letters to request lowering monthly payments, IGNORED ME THEN SENT ME TO COLLECTION LAWYER.

complaint for predatory lending, stripped me of my home equity with high originating fees, at the end when I pay off the loan, they hit me with $4000 penalty. They told me originally there is no prepayment penalty.Their offices in orlando, are all doing business like that. They kept calling me again to refi, even though I have no call list.

I purchased the insurance that Household Bank provides that will give you protection if you lose your job. Like a lot of other Americans I got laid off in December of 2008 one week before Christmas. I filled out all their forms and was told that my account would be frozen (no late fees, no payments due, no interest, ect.) When I got another job I started making payments again and have not been late ever. In response to the reform that Congress passes, Household Bank has decided to raise interest rates for according to one representative I spoke with “All of their customers.” The representative I have spoke with told me they required to do this because of the new law that will go into effect next year. I interest rate is going up from 12 to 16 percent! With a variable rate of 12 % plus prime! My rate is 12.9 now!! I am just wondering if I am being “punished” for using their disability insurance.

My wife and I received a load, I got injured on Aug 3rd, 2009. I called for the Disability Ins. we were paying for, after 2 months of run around, they informed me that my wife was the only one covered for disability, but we were both covered for life and unemployment. I've tried calling the 800 numbers given, I get a personal line in India, if I get someone, they transfer me to Panama. No one knows what is going on, but let a payment get missed.

Having to re-negotiate payments with my credit card companys. All so far have been reasonable. They require me to pay them 27.00 dollars to fill out a harship application to see if I qualify for any alternate payment structures rate, timing etc.

The individual called my job over 10 times and talked about my heritage and my residence. If I said I could not pay, it was up to him to just say it was going on my credit and not continue to aggravate me on my job. He did not give any ID while asking for a credit card or check. The ** was rude, offensive and just stupid. I would call the BBB if I had the name of the company and make sure they were dealt with for calling my job on a business phone over ten times. If HHF want me, they could call me. I had written them in the past. But no, I cannot pay them at this time and I would sue them if I had the information of the collection company they had to call and threaten me. Consequences: reduced income for my HH.

I paid my bill one month a few days early. I was told it was in the same billing cycle as last month’s bill so the payment was applied to the same month twice. Then, the fees started adding on. I spoke to reps twice, then a manager who waived late fees, but told me there was nothing else they could do for me unless I paid for the extra month. I think this is unfair to customers that are never late. If I don't pay, the late fees will be applied. My credit rating is damaged, and I’m paying extra money that I can't afford.

I haven' t received a bill in months from them. Even when you call the 800 number, no one seems to know what's going on. There are no local offices any longer to go into and to talk to someone. How can I find out what's going on? This is my second mortgage, and I don't want to lose my home. My second mortgage is in limbo, as I do not know what is going on and how to contact someone about how much I owe.

Household bank located in Memphis, TN is no longer in business. I am making morgage payments to this company and no one has contacted me to inform me what mortgage company has taken over my mortgage loan. I never received notification that the company was closing. I need to know what to do. Do I continue making payments or should I wait for someone to contact me.

I asked for a loan modification on my house mortgage, and they had me apply for one through their "hardship" department, and in spite of the fact that I asked these people if I would owe them anything at the end of this "temporary" help of six months, where they lowered my interest rate, they reported to Equifax that they had modified my loan and were "accepting partial payments from me" And they included another account in this hardship assistance, which I had not asked for any help on.. and reported to the credit bureau that i was $5499.00 past due when i have been current on this account for years.

Changed mortgage company in 1999 after the original holder was going out of business. Vince Walker stated he could assist me with the transition to Household. I applied for a $75000 loan only to find out a second loan for $10000 was taken out. I was told I signed for this loan four days after I signed for the first loan in my dining room. I never went to the office and no one was present but me and Vince who turns out to be a crook. I never received $10000. I was working a job making $6.50 hour and he altered the papers to show I was making $16.50 per hour. When I attempted to contact Vince to get to the bottom of this issue, he was always busy, unavailable, not in and finally, no longer with the company. I found out he had set this mortgage on an adjustable rate and the company would not change it. I have acknowledged more than one time I did not sign up for a second loan or adjustable rate but the company states they have me on video signing the papers and I have never set foot in this office. My communication with Mr. Walker was by fax and phone. The Notary notarized the paper stating I signed in her presence when I did not. The higher amount of the loan has not been explained and HFC wants to fore close on my home. Yes they tell me I can send them the money and do whatever to support my family. The last person I spoke with Beverly who stated I pay what she said or they will foreclose. I have no papers and they are not talking to me. I have been waiting on the mortgage papers since day one but if they have someone on tape signing, I guess this is where my copies are.

Having health issues, monetary problems and a high mortgage payment, I contacted HFC and asked for them to lower my payment; I was starting to pay back taxes on my property so that I would not lose my home. Government says to contact who you owe and they would work with you. That was a lie! HFC refused to work with me. Also, they lied by saying they called me on certain dates when I have a phone printout showing I made the calls. After everything, they have given my account to Oviatt Law Office; I spoke to Mr. **, what a rude individual. So now they are putting a judgment against me. He even told me that he didn't care if I lost my house. I have a special-needs child.

Bought a car at Hendricks Motors and it was financed by household finance. We had 3 payments left and were behind to the point that they notified us that the car would be repoed. So after a conversation about the exact balance need to pay off the car, I (Jeff Dooley went to the bank, got the cash needed to pay off the car, sent the money western union and was contacted a few weeks later that we owed almost $200 more. We paid the car in full and we want the title now...

apparently there is contract between TLG and Household. They sent me a check for 8.60 saying this was for special customers. After depositing the check i noticed a few months later i started seeing unfamiliar charges to my acct. 59.99.69.99 79.99 over and over. After getting in a verbal confrontation with the cust service dept. i asked to speak with a supervisor. She then removed all charges and told me she would make a notation on my acct for TLG not to assess any future charges. it has happened several more times. Not only is this causing my daily balance to be higher, but also i will never be able to pay down the balance when then continually keep adding charges to the account. i am being penalized and my payment is not getting applied to its fullest potential by them doing this to me. i have copies of each bill that had these charges and the confirmation numbers to reflect them. i want restitution for the money they have charged my account, because without these charges and interest accrued, my balance should be substantially less.

I RECEIVE A NOTICE OF THIS WEEK. MY HOME IS BEING SOLD BY HOUSEHOLD FINANCE APRIL 2,2009, I CALLED THEM AND EXPLAIN TO THEM THAT I HAVE A SON THAT IS DYING HE IS IN ICU , SHE PUT ME ON HOLD THEN SHE SHE THERE IS NOTHING HOUSEHOLD CAN DO MY HOME WILL BE SOLD. I TOLD HER I HAVE NOTHING TO LOSE MAYBE I WOULD USE MY LIFE INSUANCE AND SHE SAID WHAT DO YOU MEAN, I SAID I MAND MAYBE I WILL END IT ALL MY SON IS DYING MY HOME IS BEING SOLD SHE SAID IF THAT WHAT IT TAKES THEB GI FOR IT.I DO NOT KNOW WHERE TO GO FOR HELP PLEASE HELP.

Someone from an unknown name called my home from 1-716-995-3460 and left a message that if i didn't contact them from in 48 hrs, they would file civil charges against me in court for a credit card account. I filed bankruptcy and this company was one that was included back in 2000. In the meantime in 2004 I filed Debtors Court and paid all that i owed. This person would not give a name or anything but threatened me he would see me in court for something that was put in bankruptcy. I was furious because I have not received any paperwork or anything and if you can find a phone number then you can also find an address to send the proper paperwork so I can comply and turn it over to my bankruptcy lawyer. I will be calling my Lawyer this morning. This is outragous for someone to harrass and threaten someone and I am off work from having surgery. Someone needs to know what these people are trying to do. (Scare tactic).

I called regarding the company coming to pick up the car I had in my chapter 13. Car broke down with a bad transmission for 3rd one. I am not putting any more money into it, so its sitting in my garage for about a year now. I was told by Amy with my chapter 13 she has spoken with the folks with Household, and they were to contact me. This was before December 2008. I recently called myself on 2/12/2009. I was told we will call you when we're ready to pick up the car. I rent my home and I have to many cars on the premises and would greatly appreciate this company come and pick the car up. If I would not have volunteered for them to get it and they were repo them selves I'm sure the car would have been gone by now. Such rude customer service. I need help getting this car out of my garage, and if they are not wanting it back then I can sell to someone who will fix and keep. I know if that was to happen then that would be another issue. What rights do I have?

Purchased water softner system. I was not informed of the interest through House Hold Finance. Household Finance is the worst company and for Rain Soft to use them and not inform its customer is very fraudelent and wrong. I have called Rain Soft repeatedly to cancel this contract , I have asked them to come to remove and I wrote a letter to Rain Soft. No response. I can not afford this system. It really is a rip off. I have written Lisa Madigan's office per this issue. If I can sue I will. I cannot afford the 23 percent interest that they are charging me. Lillian Miller

I have been trying for over seven (7) years to get my car title. This vehicle was in a bankruptcy action and I have paid all monies due. The bankruptcy was discharged 1/12/2006 but during one of my many telephone calls Ms Dunkin stated my loan was sold after they accepted and cashed the final check on 9/8/2005. I am at my wits end. I have sent several certified letters to HAFC with no response on any of those letters. I would like my title and money for all of the delay. Can I do a small claims or class action suite?

On October 21, 2008 I applied for an equity loan to consolidate debt and help with finances with Household Finance Corporation. Tricia Zehl was the rep who took my application. I told her in the very beginning that I had recently purchased a home in July that was a shortsale to prevent it from going into foreclosure. The home was appraised at $230,000 and we paid $180,000 for it. I asked for an equity loan for $25,000, thinking we had instant equity with the appraisal, even though we had only been in the home 3 months. She said that wouldn't be a problem as long as the house appraised high enough to cover the requested loan amount. I was told after 2 days that we were approved, based on our credit rating and income to debt ratio and that as long as the appraisal came in high enough the final approval would be processed and we would close shortly thereafter. We paid $300 for the appraisal and it came in at the amount it needed to come in at, $230,000. HFC wanted another appraisal, questioning how it could come in so high, when we only paid $180,000 for the home, even though we had told them it was a distressed shortsale. Another appraisal was done, 2 weeks after we were initially approved and this time the appraisal came in at $225,000. Again, HFC questioned the appraisal saying they wanted the appraiser to get more comparisons of homes sold in the area. Keep in mind, both appraisals came from their own appraiser. Finally they accepted the appraisal and said we would be closing in a few days. Days and then weeks passed and each time I called they said final approval was pending. Then they said we needed to pay down the principal balance on the mortgage for final approval so we did that. Then they said they needed a settlement statement, and we got that to them immediately. Now we were into Thankgiving week, 1 month after our initial application was approved. Finally, the 1st week into December they said we couldn't be approved because we hadn't been in our home for 6 months and that we would have to wait until January and then we could close, even though they knew in the very beginning we had only been in the home 3 months when we applied. They gave us a personal loan for $10,000 to help us out since we had gotten into debt paying for home improvements in anticipation of being able to pay off the debt with the equity loan we thought was coming. They said that once we received the $25,000 equity loan in January we could pay off the personal loan without making a payment on it. Today January 12th, Almost 3 months after being initially being approved for an equity loan I was told HFC couldn't do the loan because we had not been in our home for a year. Overall this has been the worst experience I've ever had with a financial institution, and felt that I was lied to and lead on about an equity loan they were never going to do.

Do me a favor and run from this institute. First of all they publish promotion online to get customers to open account with them. You can open an account and everything over the phone or online and you do not need to send documents or require visiting branch and nothing whatsoever. Later they mess up with your account with wrong charges and service fees. Now at this point you cannot do anything over the phone or online but you require sending asked documents or visiting branch to resolve your issue. See the difference when you open an account and when you need help? Yes they will make you run around believe me. Stay away from this institute and I wonder why they listed under top 10 banks?

I purchased a Rio, Kia and it went bad. I did a voluntary repossession and gave it back to Household. Now they have a law firm coming after me for $16,000 for the entire sum and they want to do a wage garnishment and I have a family to support. I gave the car back to the bank.

I had a loan with Household Finance in 1999. I couldn't make the payments. So we went to court and settled for a lesser amount and still couldn't make the payments in 2002. Recently I purchased a 2007 Harley-Davidson which was paid off. Monday, Dec. 29, 2007, without any further court dates or paper, Household seized the bike for loan payment. They already took, repo the van years ago, sold it and got money. Now 10 years later they do this with warning. They wanted anything of value, my truck, anything. I am afraid they might even come back for it. So far I went to an attorney. They say file Chapter 7 bankruptcy and get rid of everything and maybe I can get our bike back from them, if I may do for my wife and son so they aren't afraid a sheriff may come knocking at the door when I am not home.

i am behind on my truck payment i had been making my payments online then i no longer could be cauae they closed my acess to it i called and spoke to a lady that set up half of my truck payment which was 210.00 i was greatful i then get a letter stateing repossession i called that night only to get ahold of a guy that wouldnt talk to me till i gave him a contact number i told him that i didnt have one because you guys call every hour on the hour and even called my place of employment he said let me get my manager she came on the line and enformed me of the same i told her you can notify my by email or mail i then told her about my payment arrangement i made and she looked at it and told me she was cancelling it i said why she said it didnt benifit them i have been trying to get caught up i have even tried to sell my truck but dealerships wont touch it because i am upside down i dont see why they cant help me at one time they refinanced now they dont they are no longer into that i feel they are not wanting to help me even if i am willing to work something out they just call constently and harrass me this is why i use my friends phone when i call they once told me if i can sell it for 5900 they would write off the rest the truck is only worth 3400 why cant they finace me for 5900 and be done with it i just dont think it was right for them to cancel my payment she was very rude and mean i think her name was wanda but i dont want to loose my truck it is my only means of transportation

I financed a 1997 Geo Metro vehicle with Household Auto Finance. I made all the payments, with the exception of the last 3 or 4 payments, to Household. Household sold the loan to Asset Management who sold the loan to an agency called Collect America. An attorney with Collect America contacted me and we agreed on a settlement, which I paid.

Paid off 2 credit cards at the same time, they both have the same conformation #. Thay took one payment from the given checking account and took 1 payment from the checking account on file (which was not autorized) They were suppost to take both payments from checking account #1. I now have a checking account that is -$2,250.00 and climbing, I have well over $500.00 in insufficient fund fees and bounced checks. They said this could take weeks to straighten out and with a husband home with a broken neck and 2 children this is a (credit card) mistake that i cant handle rite now. The first time we called they threatened to call the police on us for yelling then hung up on us. The 2nd time we called they said i have to fax them all my bank information and then they'll be in touch, but its going to be hard to do considering im -$2,000 something dollars short in funds!

Have a mortgage with them and they will not work with me with behind payments and keep adding late fees. Would love for someone to look into this company. I need help before I lose my home.

My wife and I received a personal loan from household finance approximately 5 years ago. We made payments in the amount of 372.00 for 3 years. Although we were late a few times, we always made the payment. After 3 years we owed more on the loan than the original loan amount. When we asked for an explanation we were told that our payments had gone to interest and late penalties. We would have kept a closer eye on our account, but correspondence with HFC is very difficult. They refuse to give any information about the account including payoff information over the phone. Everything has to be submitted in writing and then it takes forever for them to respond.

My husband I took out a Home mortgage with HSF several years ago for about $75000. We dealt with David and Joy the first time and we were told we were getting a 20-yr mortgage and a 10-yr 2nd mortgage. We opt to have deductions from our checking account every two weeks which would make us making a extra payment yearly. We were told by David and Joy that after a year paying this payment every two weeks, we were told that if we have good paying credit with HSF, they could lower our interest rate.

Got personal loan for 15,000. When we tried to pay off loan, we had paid down to 12,000. Tried to pay off, they kept increasing the payoff, all the way to 25,000. We also have our home moratage through the same company. I made a payment in July 2008 that has yet to be posted to our mortage, and this is Oct. 2008 I am seeeking legal advice at present.

Orchard Bank sets forth on their website a payment schedule, (i.e. pay anytime on Saturday and payment will post to your account on Monday) HOWEVER, unless Monday is a holiday, then it will not post. So, when you sign on Saturday to make your payment, you are forced to make a Rush Payment at the cost of $14.95 charged to your credit card, or assess a $35.00 late fee because since Monday is a holiday your payment won't post until Tuesday, therefore it is late.

Here we have what appears to be fruad. This company is charging me interest on a cash advance that i never authorized or recieved. I never applied for a cash advance on any credit card. i was told by one of their reps. that a cash advance was taken out in sept of 2003. when i asked the rep to verify the advance, he told me; QUOTE Our records don't go back that far UNQUOTE... DUH!! so how does he know the date... I've been paying interest on this amount at the tune of about 30% for all this while.

Husband walked out on me with mortage behind. Contacted Household to work out payment. Made payments monthly only to have them apply to fees. Was put on forbearance program, paying 1.5 times monthly house payment. Paid $1000 for 6 months & forfeld my obligation of forbearance agreement which was to bring loan to current & take fees away. Was over 10 days late next month after completing forbearance term & they put all fees back on loan. Before this I asked them to take back house, they refused. The loan was forclosed on & now they say I owe $45,000 in fees on a house worth only $85,000. I paid mortage for 3 years also. Ex-Husband left state & I do not know how to locate. They are harrassing me.

This company sold my account to a collector agency. I requested a debt validation, and I get the answer that they going to stop asking for the BALANCE but the problem is I cannot get my car title.

I received a loan check in the mail for a $5000 loan I applied for. I went in the office and signed the paperwork, and then received an additional $2950. During the signing process I inquired as to what my payment amount would be, and I received that information; but the sales person failed to inform me that when I started paying my payments back, that all my money would go to interest only and not the principle. I have been paying this account for 9 months at $243.00, so I went in to talk to the person who opened the account for me. He is no longer employed there.

Paint is peeling from hood and roof of 1999 Honda Accord (green color).

I have had a line of credit with Household Finance for two years. My available credit is $6750.00. I paid all but $13.00 of the balance. My air- conditioning unit had to be replaced at a cost of nearly $6000.00. I gave the service man a convience check for half of the cost for the new unit and I'm supposed to pay the second half when the unit is installed. Now, David, a loan specialist tells me that my account was automatically closed when the balance was paid in full; which it was not. He indicated that I would need to apply for a home equity loan, but he was too busy with other customers to assist me. Now, I have written this check for nearly $3000.00 and no funds and no air-conditioning. I did not close the HFC account. I certainly do not want to apply for an equity loan with this company.

I, like others have reported, have been a victim of HFC. In 2000 I went in to INQUIRE about a small home equity loan at which time I had at least $15K. Now 6 years later, I have almost none if it wasn't for the Market Boom. As I said, I went in to inquire about a home equity loan of about $5K, which I was talked into a higher amount of about $17K and in addition, I ended up with a refinance of my approximately $89K 1st mortgage with a reputable bank @7% and was cohersed into $150K 1st refi mortgage with HFC @12%. My mortgage never goes down only up if I'm ever late on my monthly payment.

This company is stripping me and my family of our dream of owning our home. It is a none stop problem with them. I have been with Household from 1999, in 2004 I had to have major surgery. I called Household to let them know i would be late on my March 2006 house payment, but I would send half in April with Aprils full payment $641.02 plus $320.51. And then I would send the other half with Mays regular payment.The gentlemen in the Sioux City office told me that I had to send the payment in full for March right away to avoid any action. I explained to them I had NEVER missed a payment in the past, and due to my illness I needed just a little time to get the payment to them. It still had to be paid in full.

I thought I was in a desperate situation. I received my monthly bills and they were much more than I could afford. I panicked. I called Household Finance. I explained my embarassing situation to them and they were very understanding. They told me everything would be ok, and my husband and I made an appointment to go their office. I have two young children and they were welcomed to come. We went to our appointment and a $30000 refinance turned into a refinance of my existing mortgage plus every outstanding debt I had (total car payoff) being consolidated into one loan.

They put us into a balloon loan that we did not fully unerstand and our original 145,000 loan is now 166,00 after paying on it for 4 years. The first 2 years we had some late payments but the last 2 have been payroll deduction and on time. Our lawyer and ourselves are trying to figure out where they get the 166,000 from after all of the money we have paid in.

14 years ago I bought my great grandmother's house and had a mortgage through TD Bank. I was a single mother with 2 small children and over the years I had acquired debt which was getting unmanagable. Household Finance consolidated my debts, and in effect, took control of my house. After 13 years I lost my job and was unable to pay my mortgage to them. I was receiving $1000 a month unemployment and my payment to them was more than that. At 17% interest I had hoped they could temporarily reduce the interest so that I could afford the payments but they were impossible to deal with.

This company did NOT send us a statement. They charge an annual fee of 50>00 so after that we got a $30.00 late fee and we never used the card!!!!! They are a ripoff. We owed 89.00 and never used the card and NEVER got a statement. We have lived there 26 years and always get the rest of the mail.

I contacted Household to apply for a second mortgage. They quoted me a rate on the phone, mailed me the Good Faith Estimate, but when I went in to sign, everything was different. The interest rate and payments were higher. I cancelled, but they filed the mortgage at the courthouse anyway.

I am a victim of a mortgage with HOUSEHOLD MORTGAGE SERVICES and Beneficial, and now HSBC, I have had problems with my payments since 1998, It was a $23,000.00 loan @ 11.75% /15 years loan fixed rate; I still owe $$23,000.00, and now, they have added $33,000.00 in other expenses. They state I am late on payments, over 18 months, I have made payments, but they do not seem to post the payments, and deduct from the balance owed.

I have fallen one month behind on a signature loan, because my mother was in the hospital for 1 month with leukemia and ovarian cancer and I was at the hospital a lot. The last 2 months i have made more than my minimum payment and have told them that I will make the arrearage up on the payment due 9/21.

I made a bad financial decision, when I was contacted by this company. I was sold a loan to pay off three bills, rolling three payments into one. I was told I would save $200.00 per month, but actually, because the loan interest accumulates daily, I am paying $200 to $400.00 more per month. I went to the office in May, and asked for a printout history of my account, and told the guy I did not receive a statement. He said he could not print it out, and told me how my payment was applied.

HSBC Auto Finance has been making our life a living nightmare. They are calling because our auto payment is 10 days past due. Our phone rings 10 times a day. I believe they are in violation of the law as even when they leave a message for me, their calls still continuing coming, even on the same day. They obviously believe that my 17-year-old daughter is me and have reduced her to tears on a number of ocasions. They have called her names, threatened her, threatened me through her, and tell her they will continue calling until they speak with me.