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Insider Reports
Testimony [ 67 / 5 ]Former employees of predatory lenders have testified to a consistent pattern of falsified loan documents and forgery. As one ex-employee told a 1998 U.S. Senate hearing: "The pressure to produce loan volume and insurance sales is so great that on many occasions, I've seen finance company employees commit forgery on a massive scale. These employees have forged everything from insurance forms, RESPA documents, income verification forms, and even entire loan files."[24]
Horror Stories
Stories from Civilians [ 55 / 34 ]If you are not in the military this is the area used to describe your horror story
Military Stories [ 38 / 18 ]If you are in the military this is the area used to describe your horror story
AFL-CIO's Union Plus Card [ 1 / 1 ]Household International - Household Retail Services credit card for union members.
Identity Theft
Overview - Reporting [ 2 / 2 ]Please let us know if you had trouble rectifying any identity theft issues. Here is an article by Susan Kuchinskas:
http://www.internetnews.com/ec-news/article.php/2224731
If Household (HRS) or Best Buy failed to correct the issue to your satisfaction, please report it here
Merchants
CompUSA [ 4 / 4 ]Mexican billionaire Carlos Slim Helu owns CompUSA and GoodGuys. They continue to use Household Retail Services for financing.
GM Card [ 3 / 2 ]The GM credit card and the Saturn credit card are backed by Household. Read about what can happen to your interest rate.
Good Guys [ 7 / 6 ]Mexican billionaire Carlos Slim Helu owns CompUSA and GoodGuys. They continue to use Household Retail Services for financing.
Levitz [ 3 / 3 ]Levitz Home Furnishings, Inc. is the parent company of both Seaman Furniture and Levitz Furniture Corp. Household has managed Seaman's private label credit card program since 1997 and the Levitz program since 1998.
Rainsoft [ 6 / 4 ]Rainsoft is Aquion Water Treatment Products, Aquion Partners L.P. corporate facility in Elk Grove Village, Illinois. Rainsoft uses dealers and not all dealers use Household Retail Services for financing. The RainSoft division of Aquion Partners L.P. is headquartered at 2080 East Lunt Avenue, Elk Grove Village, Illinois 60007. Telephone 847/437-9400
Ruby Gordon Furniture [ 1 / 1 ]This merchant sells most of their contracts to Wells Fargo. Some were sold to Household Retail Services.
Seamans [ 1 / 1 ]Levitz Home Furnishings, Inc. is the parent company of both Seaman Furniture and Levitz Furniture Corp. Household has managed Seaman's private label credit card program since 1997 and the Levitz program since 1998.
Bally Total Fitness [ 1 / 1 ]Bally, the nation's largest operator of gym clubs, sold 8 percent of its membership receivables portfolio to Household International Inc
Saks [ 2 / 2 ]Birmingham Alabama based company financed by Household. The Saks Department Store Group operates stores including Parisian, Proffitt's, McRae's and Younkers.
Microsoft [ 2 / 2 ]Household finances seat licensing and other software for Microsoft. Microsoft cold do it themselves instead of turning to a predatory lender. Referred to by Household as a commercial partnership. Others include Best Buy and Costco. Post Microsoft horror stories here.
Oak Express [ 1 / 1 ]Furniture Row brands include Oak Express, Sofa Mart, Bedroom Expressions, Denver Mattress, all financed by Household
Sofa Mart [ 1 / 1 ]Furniture Row brands include Oak Express, Sofa Mart, Bedroom Expressions, Denver Mattress, all financed by Household
Bedroom Expressions [ 1 / 1 ]Furniture Row brands include Oak Express, Sofa Mart, Bedroom Expressions, Denver Mattress, all financed by Household
Denver Mattress [ 1 / 1 ]Furniture Row brands include Oak Express, Sofa Mart, Bedroom Expressions, Denver Mattress, all financed by Household
Galyan's Trading Company [ 1 / 1 ]Another specialty retailer financed by predatory lender Household. Signed the contract as Household was defending Shea v. Household, with full knowledge of thousands of complaints.
Parisian [ 1 / 1 ]The Saks Department Store Group operates stores including Parisian, Proffitt's, McRae's and Younkers.
McRae's [ 1 / 1 ]The Saks Department Store Group operates stores including Parisian, Proffitt's, McRae's and Younkers. Saks has a contract with Household.
Bose [ 1 / 1 ]Bose Preferred Credit Card is Household International. Minimum Default APR 23.8%. The variable Standard Rate APR for Accounts which are kept current is Prime Rate + 12.5 percentage points (19.8%)
uBid [ 1 / 1 ]A majority-owned operating company of CMGI and leading retail auction and e-commerce site. Through the agreement, uBid customers will be able to apply for instant credit with no annual fee using the uBid card managed by Household Retail Services.
Saturn [ 1 / 1 ]Household's retail services business, part of Household International manages the private label credit card program for Saturn and its retailers. The Saturn Card extends the Household-GM relationship, which began with the 1992 launch of the GM Card, a program that now has over six million members.
Suzuki [ 1 / 1 ]Financing provided by Household Retail Services, Inc. - motorcycles, ATV's, scooter, Qua runners. IF you financed a deal and didn't get it post your horror story here so everyone can benefit.
RC Wiley [ 2 / 2 ]R.C. Wiley Home Furnishings acquired by Berkshire Hathaway Inc. Warren Buffet's Bershire Hathaway and a company like Household International are not even in the same league.
Motorcycle Financing, All [ 6 / 4 ]Some of our reports don't tell us which dealer they bought the motorcycle from. This is a general category.
Mitsubishi [ 1 / 1 ]Mitsubishi is known within Household as a partnership brand. Others include Polaris, Yamaha, GM, and Kawasaki. Place Mitsubishi horror stories here.
Plunkett Furniture [ 1 / 1 ]Hoffman Estates, Illinois high end furniture retailer. Entered into a partnership with Household Retail Services in June 2004. Key names: Richard Klesse and Hugh Plunkett.
Nautilus Sleep Systems [ 2 / 2 ]Linked to the Bowflex website, Nautilus Sleep Systems is running television ads on ESPN and other stations. Household Retail Services financing.
HFC Household Finance
HFC and Beneficial Discussion [ 0 / 0 ]"This is the worst thing I have ever seen in 30 years of practicing law," Parlette said. In addition, Chuck Cross, investigations supervisor for the state Department of Financial Institutions, said "These two companies, I believe, have the most complaints that we have on record," speaking of HFC and Beneficial. Use this section to discuss HFC and Beneficial
Class Action
Late Fees [ 7 / 4 ]As Household Watch stated, although there is no admission of guilt by Household, there are provisions and references to application of payments one day after the due date, dating back many years.
HSBC Refund Lending - H&R Block
Social Responsibility [ 0 / 0 ]Discussion of the social impact of refund lending, high interest rates, and HSBC responsibility
HSBC Reputation [ 2 / 2 ]Discussion of HSBC and their reputation relative to their decision to take over refund lending from Household International, a subsidiary of themselves
HSBC US Charter - National Charter
Charter Discussion Area [ 1 / 1 ]Discussion, oversight, topics - relative to watching HSBC as they exercise their United States Charter.
Collections
Reports [ 1 / 1 ]Experiences and facts. Your reports go here if it pertains to collections, and not a specifc merchant
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We monitor customer trends for possible violations of Regulation Z and other possible illegal actions.