First I get the typical 800 rep…speaks broken or no English, must have asked my name 10 times, asked for my SSN about 20 times and each time I refused he would ask again in less than 20 seconds. I tried to explain I have never applied for a credit card from them and I have no idea how they got my name and number. Looking over the bill one would have to be insane to sign up with them as the bill was for $59.00 for Annual Assessed Fee for signing up on a $300 limit card?

I explained I already have a MasterCard with the bank I have been with for over 30 years I did not need nor would I ever apply for another credit card and surly not one with Orchard Bank. At that point I was sent to the “Security” department where I received the same questions all over again. I asked for proof of an application that signed for the card and they could not provide it, HOWEVER if I gave them my SSN it might speed up the process. I gave the account number on the statement however that wasn’t good enough they needed the SSN.

Bottom line I have a bill from a company I have never heard of, on a card I never applied for or received and it appears no hope of resolving any time soon. Should anyone out there want a credit card from Orchard Bank – it looks like the APR is 29.99% - ouch! Looked up the reports on them and it is not pretty – BEWARE of this bunch!