Francine H.

In June 2018, I refused delivery of a product that had too many negative reviews. That return left a 0 balancevon my account. A month later received a bill for $35. The bank cancelled the late fees and removed the missed payment on my credit report. HSN had withheld $7.00 from the bank refund without my knowledge. There should not have been a shipping charge. In 9/19 the missed payment was again on my credit report. My credit score went from 800 to 712. The new bank removed eventually from my report. Recently, the missed payment is again on my credit report, losing 16 points again. I had received a letter from the bank confirming bank the removal from my report. With another letter from the same bank refusing to remove it. After removing it, the missed payment is back 9n my report. Mind you, the new bank could find no delinquencies for my account. Last month I paid off HSN to avoid any more problems. Boy was I wrong. Have no intention of purchasing anything from HSN any time soon. All this because HSN withheld $7.00 from the bank refund without my knowledge.