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HC Processing Center / Scam and fraud!

1 203 E Emma Ave, Suite A, Springdale, AR, United States Review updated:
Contact information:
Phone: 800-9353368

I wont go into detail regarding the poor customer service of this organization. However I will suggest that you would be better off going down to you local pub for a loan. A broken leg would be better than the harassment you will receive. This is not a reputable company and I sure would not want them representing my company.

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  • Te
      18th of Feb, 2009
    0 Votes

    We need to get a LAW SUITE going They need to know we are not going to take it no more. I send in my payments on time. But last month they say I was late they chaged the due date from the 01-30-2009 to 01-29-2009 and now I next month payment is due on the 03-05-2009 and on the same day it will be late too.
    if any one wants in on this LAW SUITE you can e-mail me at [protected]

  • Fr
      25th of Feb, 2009
    0 Votes

    I cannot believe the gall of this company. I spoke to them because I did not understand why I am getting a $39 late charge every month when I pay the bill early.
    I was told that Because the day I made the payment did not fall within the billing cycle, it was considered late. Me: So you telling me, I can't pay my bill early?
    She: It's not that type of account. It's not like a credit card or car loan
    WTH??? Since when can't you pay a bill early. we have been paying for over 6 mos and the balance isn't going down. So I closed the account and will pay it out in 2 payments to get rid of this company.
    But I am also reporting the to the Better BUsiness Bureau and my states attorney general

    Frustrated in Baltimore

  • Ka
      14th of Apr, 2009
    +1 Votes

    I used to work for this company. It is nothing other than legal loan sharking. The accounts are setup so that the customers billing cycle is something ridiculous, like between the 3rd Thursday of every month or something. Of course, the customer isn't made aware of the billing cycle, so the likliehood of missing a payment is greatly increased. Almost all accounts are promos, or promotional offers, which means you get a no interest loan for say the first 3 months to a year, but if you ever pay even one day late, or have any remaining balance at the end of your promo, you get the entire wad of interest tacked on. And the payments always had a weird way of being late at least once. I talked to people, many of them elderly people buying Craftmatic or Select Comfort beds, whos account balance would jump from 500.00 to 2500.00 in a month, just because of a payment received one day late. I am not saying HC holds onto payments until they're late, but they just bank on the idea that most folks will be late at least once. And the website payments are a joke, don't ever use their website. Archaic, convoluted, 3rd party website that is down half the time. In a nutshell, they prey on what our supervisor liked to call the 'Non Credit Savvy Customer'. If hes still there, ask for him by name. Paul Dickard - and if its any consolation, last I heard, they've gone through massive layoffs, something like 75%. Predatory, subprime lending at its best - thats the HelpCard. aka HC Processing. aka Dent-A-Med.

  • Ju
      15th of Apr, 2009
    +1 Votes

    Now the hosers are spamming people's email!! that's low. and you can't reply to tell them to [censored] off! that's even lower. I hope anyone considering their services will find out how they are FIRST!
    b.t.w. you can't borrow your way out of debt.

  • De
      27th of Apr, 2009
    +2 Votes

    I thought I was the only one getting scamed from this company not even one day late and the interest rate jumped to 26% .Not to even mention the level of harassment. Don't use this compay they are a rippoff preying on people that need medical credit. They should be put out of business.

  • La
      7th of May, 2009
    0 Votes

    I could not agree more with all of this. These people are crazy!! I wrote out the correct payment on my check and I accidently left a number off on the line you write out the letters of the amount and they didn't bother to call me or let me know, they just jacked my interest rate up and would not do anything about it. It was an honest mistake and most companies would do everything in there power to help the customers. I called and got a complete payoff and sent it in BEFORE the due date and a month later I got another bill in the mail from these people for a finance charge and the said they could't do anything about that. I can't believe any company would use them to handle financing. That makes Tempurpedic look bad as a company. HC Proccesing is not the route you want to go for anything. They are out for one thing and one thing only, as much of your money as they can get!! DO NOT USE THEM!!! I have never in my life been treated this way by any company I have ever dealt with!!

  • Ma
      20th of May, 2009
    0 Votes

    THIS COMPANY IS A SCAM!!! After reading all of these blogs I can't believe what there doing!!! They won't give me a supervisor, the customer service rep. named Brent hung up on me was nasty, and told me No I can't talk to a supervisor. This is the worst company ever to deal with! They are charging me for fees stating I'm late, raised my APR to 25.24% without a notice, just raised it. I need action and I need it now. Who can I complain to? Should we even let Nordictrack know what kind of company they do business with? Somebody please offer me some advice?

    M. Klein

  • St
      1st of Jun, 2009
    0 Votes
    HC Processing Center - Class Action Suit
    HC Processing Center
    United States

    If you would like to participate in a class action suit against HC Processing Center for deceptive trade practices, predatory lending, illegal collection activies, etc., please contact me at [protected]

  • La
      30th of Jun, 2009
    0 Votes

    I agree with all of the comments! This company was HORRIBLE to deal with! I had a 6-month no interest plan and was paying extra each month so as not to incur interest. Well, one of my payments reached them early and they applied it incorrectly. So now they have charged me interest on the entire amount and won't remove it. They are incredibly un-helpful! They make it seem like it's totally your fault when it's not. Defnitely think twice before using this company!

  • Ca
      22nd of Aug, 2009
    0 Votes

    I filed a complaint with the Arkansas Attorney General's Office and I encourage everyone to do the same. This is the only way anything will be done.

    Attorney General of Arkansas
    Dustin McDaniel
    323 Center Street, Suite 200
    Little Rock, Arkansas 72201

  • Ab
      24th of Aug, 2009
    0 Votes

    Everyone that has been affected by this horrible company needs to file a complaint with the Federal Trade Commission and write to the corporate offices of Nautilus. They need to know how this company is handling their product. It is shameless how they manipulate your account to create late fees and raise your interest rates. Do not trust them for a second. You should also file a complaint with your better business bureau and the District Attorneys Office in Arizona. They have this crazy Central Time Zone that they use to regulate their payments and they are located in Arizona? Arizona is on Mountain Standard Time, which right now, is the same as ours in California. I have been trying since early this morning to post a payment on their website and it will not take it. I finally had to call and make it over the telephone and they wanted to charge me a fee. BECAUSE I COULD NOT GET THEIR WEBSITE TO TAKE MY PAYMENT. These thieves need to be stopped. Please, everyone, write those agencies I have listed above and make your voice heard.

    Los Angeles, CA

  • An
      8th of Oct, 2009
    0 Votes

    Here is my complaint I made with the BBB of Arkansas last month:
    Acct #418XXXX-0 incurred delinquency fee of $39.00 dated 8/10/09 when payment was mailed on 8/3/09 with a due date of 8/9/09 (Sunday). I was told by Rep. Lydia that delinquency charge would not be removed from my account even though I mailed payment a week in advance and my due date fell on a Sunday. I am being unfairly penalized for either delayed mail delivery or delayed payment processing - both situations beyond my control. Lydia also informed me that if I chose to pay by mail there was no guarantee that this would not happen again since I would always be penalized if payment received late even if it is a situation beyond my control. Why offer a pay-by-mail option to customers if they have to bear the burden of financial penalty due to some one else's mistake or delay? Lydia says the only way I could avoid delinquency fees is to pay on-line. What happens if I do not own a computer? Seems like not all customers treated under the same policies and practices that should be standard. Lydia also mentioned that lockbox where payment goes does not keep post-marked envelope to prove mailed date and that also seems unfair since I am the one with the burden of proof and I am the one being held accountable. The company can choose to not process my payment on time and discard supporting documentation that the payment was mailed on time and the consumer has to "good faith" that this did not occur? And at the same time the company does not have to have "good faith" that the consumer mailed their payment on time? This is a clear case of a "one-way" contract that is seemingly illegal & a nonetheless unethical business practice.

    This is the response form HC Processing Center:
    Our company is in receipt of your correspondence dated August 31 on behalf of Ms. Dever in which Ms. Dever alluded to the United States Postal Service's or our ''delay'' in processing her August payment. To be clear on that point, our processing of Ms. Dever's payment was only delayed by the length of time it took said payment to reach us through the mail.
    Our payments are received at a bank lock box and processed by the bank; the bank has nothing to gain and much to lose by delaying deposits. Since Ms. Dever did not provide it, we assume she has no proof that she mailed her payment in time for it to reach us by her due date. If not, her assumption that HC Processing Center caused the alleged processing delay is both unfounded and unjust. Enclosed is a copy of the check in question that was mailed to our bank lock box, not our office, and was received and posted on August 11. Again, the bank has every reason for depositing checks as quickly as possible and no reason to ''hold'' them. The copy of our lock box printout shows the date the bank received and posted Ms. Dever's payment.
    Please understand, in large part because the US Postal Service tends to be erratic, we offer alternative methods by which our cardholders can submit payments. Each statement sent to our cardholders have instructions for these Payment Options printed on the back, including automatic drafts, payment by phone (24/7), and payment via the Internet. The instructions for paying by telephone are also repeated on the front of each statement.
    In summary, Ms. Dever was well advised of her due date and the consequences of failing to pay as agreed; however, it was her choice to send her payment through the mail. Nevertheless, we have chosen to write off the delinquency charge as a one-time courtesy to our customer. Our actions in regard to this complaint should in no way be construed as an admission of wrong on our part, but instead were taken in an attempt to maintain a positive relationship with Ms. Dever.
    Please feel free to contact me should you need further information.
    Mark Robertson
    Manager, Correspondence & Disputes
    (866) 412-7864

    These guys are a bunch of shysters!

  • Te
      4th of Nov, 2009
    0 Votes


  • St
      16th of Dec, 2009
    0 Votes

    I bought a Bowflew and was supose to pay $ 20.00 a month. But from the very beginning I paid 35.oo a month. At first I did get a bill and they kept changing the due date. Then all of a sudden I didn't get any more bills send to me but I kept on sending the $35.00.
    Then they send collections on me . Calling my Brother up at work and bothering him.
    I had enough and wanted them to take the Bowflex back. They told me I could send it back but I would still owe the money. I bought that thing in 2004 and they say I still owe $1.800.00. I have paid off 3 other bills for different things at about the same montly 35-50 dollors and am finished paying them with no proplems what so ever. I believe this is a scam from them. I it not right. By not sending out bills and always changing the due dates you end up in a never ending late fee circle. All I have been doing is paying late fees. The add in TV that says it is so affordable is the first hook. That is why I bought it.
    $20.00 a month OH I CAN AFFORD THAT. Bull cause now it looks like I am going to pay 35.00 to them for the rest of my life. I do not have the money to pay what they still want from me. And I DO NOT understand why they get away with this!!!

  • De
      26th of Jan, 2010
    0 Votes

    Somehow these people got a hold of my information and started charging me. This is a juice loan; it will never be paid in full if I make monthly payments. I don't understand why someone doesn't do something about then.

    Whatever you do, don't get involved with these people. They suck the life out of you.

  • Tw
      5th of Feb, 2010
    0 Votes
    HC Processing - Scam & F
    HC Processing
    United States

    I financed a bed through these guys made my payments and my monthly balance kept going up. I was given incorrect information regarding payment processing and posting. They are a rip off and their customer service is sub-par at best. They also engage in illegal collection practices, like calling at my place of employment after the payment has been made. Avoid them at all costs.

  • Mo
      19th of Feb, 2010
    0 Votes

    I am not a customer of theirs but get this...They called me looking for my neighbor that lives across the street and 2 doors down! I wouldn't give them any information but why call me to get them a message! I cannot believe that. I took her information but I am not going to give it to my neighbor as it is none of my business and I am still in shock that they would call neighbors around this couple to get information!

  • Pa
      5th of Mar, 2010
    0 Votes

    i am using it also and bought a craftmatic bed and i am still paying them and my payments are 103.00 a month and i have been paying them on time also. They had the nerve to charge me a late fee so i called them and told them I did pay you on the due but they didn't receive until the next and it is electronis payments. I know the interest rate is hight also and is 25.99% and that is way to high. It is almost like a preditory lender. Please be careful when you borrow. I would of not bought the craftmatic bed but i did because a salesman came from NH and i felt i was con into it. I told him i could not afford it and he said we can get you a loan. I would never do that again. From, pam in lynn, mass

  • Ca
      9th of Aug, 2010
    0 Votes

    I have experience many of the same experiences as many of these same people. I bought a mattress only for $2200.00 grand total and this company had me pay off the interest first, I agreed to pay off my bill in incurments of $500.00 and the bill should have been paid off in one year, so I would have advoided all that interest, but I got railroaded into this and lost my teaching job and fell behind a fews times. I have paid double the amount and still owe $2000.00. I feel like I am never going to get out of this what does one do, it has ruin my credit all over again. My name is not important but I think everyone should know this company is ripping people off big time.

  • La
      24th of Aug, 2010
    0 Votes

    I agree, I have been paying on my Sleep Number bed for 2 1/2 yrs and my balance has only gone down $20 from my original purchase amount. I've decided that I'm declaring bankruptcy, mostly in part of this credit account. I even tried to take out loan with my bank to get out of it and they wouldn't give me one because the loan amount was too high for them to offer a signature loan for, they told me to pay down 1/2 the balance on my own and they would loan me the rest... well I can't even manage to make a dent... I'm not paying on this account anymore!

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