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Household Finance

• Credit Cards • Mortgages --- News • HSBC Security Flaw Exposes Millions Of Customers' Data • Zero To 30 Percent In Just One Month • Judge Upholds Racketeering Complaints Against H&R Block, Household • Tax Loans Victimize Consumers • Household Settles for $484 Million • Consumers File Class Action • Household Eliminates Single-Premium Credit Life --- • More about H&R Block

Lautrelle of Huntsville, AL November 9, 2009

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. When I tried to call their office, their phones had been turned off. I guess they ar looking for a scapegoat and found me. Why have they not sent me any type of bill telling me aI owed them??

V of lebanon, TN October 28, 2009

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!!!!!

Debra of Lagrange, IN October 26, 2009

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.

I settled for 500 dollars less (and paid off with my retirement fund) but this was all their fees plus more of it. I absolutlely could not deal with this company. These predators need to be outlawed. I no longer have that money for retirement and felt I got taken to the cleaners. This caused my husband and I intense anxiety and stress to add to our physical disabilities. Seems like a disability insurance should cover making your payments, especially when they charged 59 dollars a month for it.

Abdelkhalek of Orlando, FL October 26, 2009

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.

Jeff of Porter, TX September 28, 2009

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.

Michael of Alburtis, PA September 23, 2009

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. Due to the time it takes disability to kick in, we missed 2 payments and all the stress about possibly not returning to work and the phone calls is making my wife and I very unhappy and an unstable environment for my 7 month old daughter.

Alice of palo alto , CA September 18, 2009

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.

Frances of Woodville, MS August 25, 2009

the individual called my jobe 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 contuinue to aggravate me on my job. he did not give any id while asking for a credit card or check. the sob was rude offensive and just stupid.

i would call the bbb if i had the name of the company and make sure they were delt 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.

linda of rochester, NY August 18, 2009

paid my bill one month a few days early. Was told it was in the same billing cycle as last months 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 damaged.

Shronda of Louisville, KY August 10, 2009

i havent' 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 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 and how to contct someone about how much I owe

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