I am a AVP at one of the top 3 largest banks in the U.S. and I have a card with HC Processing when I bought my BOWFLEX, I have never missed a payment until I recently was married and left on my honeymoon and my online banking did not work correctly. My interest rate went from 3.85 to 21.8%. I called and tried to speak with them and was told they could do nothing about it, it was there policy. I asked to speak with the manager, she got on and said well I am sorry about your luck, but due to inactivity on your card it was closed anyways so it is not profitable for me to help you. I told her I managed a bank, and she said well we are not a bank. I asked if she could tell me what other companies out of the 50 she stated did they service and if I could get a copy of that mailed to me. She said no because it was not profitable to them. I asked to talk to her supervisor and she she did not have to let me and I asked her if she was refusing to let me speak with her manager and she said YES!!! Her name is Karla Wood and she is a manager at HC PROCESSING CENTER. DO NOT do business with them, not to mention that the practices going on there are illegal!!!

A VERY concerned citizen