Reply
New Member
Posts: 2
Registered: ‎05-25-2012
0

Re: Orchard Bank Security Deposit Refunded

Cap One is definitely phasing out the Orchard Bank secured card. I got a letter and just called for more clarification today. For some of us, they're just closing the card and saying "sayonara" while others are getting transitioned  to an unsecured Cap One card. 


Starting Score: 583
Current Score: 598
Goal Score: 670


Take the FICO Fitness Challenge
Regular Contributor
Posts: 129
Registered: ‎11-06-2010
0

Re: Orchard Bank Security Deposit Refunded

I submitted a request to close the Orchard secure account on 2/25/13 and got a letter from Cap1 on 2/26/13 dated 2/19 /13 Congratulating me on it unsecuring.

 

I received a confirmation email from Orchard asking to confirm I wanted to close the account or email in 48hrs if I wanted to keep it open. Sooo.... I decided to keep it open and emailed my response the same day. The next email I received from "Orchard" was to say thank you for keeping the account open yadda yadda.... I also received an email asking me to call the customer service number to request the cli.

 

I decided to call today about the cli 3/1/13 and was advised the account was closed on my request.... I know there's a transition but now I have no idea if I'm completely cap1 now or I'm closed. the customer rep said she can't help me. I'm not sure who to call now. Crap!  Any ideas??

 

frustrated I sent another secure message including the email they sent me thanking me for keeping the account open and told them to basically get their customer service reps to have the facts straight and their s**t together.

 

anyone know who to call? The card changed to cap1 on my credit reports last year. 


Starting Score: 0 No score until August 2011
Current Score: 8/9/14 EQ Fico 711, 8/9/14 TU Fico 744, 8/9/14 EX fico 738
Goal Score: 800
My wallet: Cap one $3000 | Venture $7000 | Amex BCP $15,000 | Amex BSE $2000 | Discover it $7000 | Lowe's $10000 DCU $2,000, CITI TYP $8,200. Macy's Amex store limit $1200, Macy's Amex $6000.
Back in the garden!
Take the FICO Fitness Challenge

Regular Contributor
Posts: 129
Registered: ‎11-06-2010
0

Re: Orchard Bank Security Deposit Refunded


Teasha wrote:

I submitted a request to close the Orchard secure account on 2/25/13 and got a letter from Cap1 on 2/26/13 dated 2/19 /13 Congratulating me on it unsecuring.

 

I received a confirmation email from Orchard asking to confirm I wanted to close the account or email in 48hrs if I wanted to keep it open. Sooo.... I decided to keep it open and emailed my response the same day. The next email I received from "Orchard" was to say thank you for keeping the account open yadda yadda.... I also received an email asking me to call the customer service number to request the cli.

 

I decided to call today about the cli 3/1/13 and was advised the account was closed on my request.... I know there's a transition but now I have no idea if I'm completely cap1 now or I'm closed. the customer rep said she can't help me. I'm not sure who to call now. Crap!  Any ideas??

 

frustrated I sent another secure message including the email they sent me thanking me for keeping the account open and told them to basically get their customer service reps to have the facts straight and their s**t together.

 

anyone know who to call? The card changed to cap1 on my credit reports last year. 


As it appears this is of no concern to most of you. 

 

I wasn't too concerned about closing the account considering it was not going to un secure And was paying an AF on my own money, the principle of the matter is HSBC confirmed the account was still open/ active. But has closed my account now unsecured Cap1 and can't use the card. Therefore I just got shafted in the transition at no fault of my own. I couldn't of cared less about the HSBC card. I do care about loosing a unsecured Cap1 account that I was in the process of a cli. (And yes they do happen...CLI's with Cap1 that is)

 

.... 


Starting Score: 0 No score until August 2011
Current Score: 8/9/14 EQ Fico 711, 8/9/14 TU Fico 744, 8/9/14 EX fico 738
Goal Score: 800
My wallet: Cap one $3000 | Venture $7000 | Amex BCP $15,000 | Amex BSE $2000 | Discover it $7000 | Lowe's $10000 DCU $2,000, CITI TYP $8,200. Macy's Amex store limit $1200, Macy's Amex $6000.
Back in the garden!
Take the FICO Fitness Challenge

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.