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IN JAN 15 I BOUGHT A 699.00 ALL IN ONE HP COMPUTER AND A WARRANTY FOR 159.00 PUT IT ON FLEX PAY, I USED THE COMPUTER FOR 3 DAYS PUT BACK BOX BECAUSE I MOVED AND DIDNT TRY USE IT AGAIN TILL APRIL,AT WHICH TIME I TOOK IT OUT OF THE BOX AND WHEN I TRIED TO SIGN IT , IT SAID WRONG PASSWORD,WELL I WAS TOLD THIS WAS THE BEST DEAL 24 HOUR HELP DESK 2 YEAR WARRANTY, SAID YOU NEVER HAVE TO WORRY ABOUT ANYTHING WICH WAS A BIG LIE, WHEN I TRIED TO GET HELP, NOBODY EVEN KNEW WHAT THE 800 24 HELP DESK NUMBER WAS, WHEN I DID FINALLY GET , I CALLED FOR 1 MONTH AND SAT ON HOLD FOR 4 HOURS, MOST TIME IT JUST RANG NOBODY ANSWERED, WHEN I CALLED HSN, AND TOLD THEM I WANTED TO RETURN IT, THEY WOULD TELL ME TO CALL COMMENITY SAYS CALL HSN , THEN THEY SAY CALL ASSURIAN, ASSURIAN SAYS CALL HP, HP WANTED ME TO PAY 500 TO REPLACE THE HARD DRIVE, THE WARRANTY I BOUGHT DID NOT COVER THE PURCHASE TILL AFTER ONE YR WHEN HP'S WARRANTY ENDED, HP SAID IT DIDNT COVER WHAT HAPPENED TO IT ,ALL BECAUSE I COULD NOT CHANGE THE PASSWORD, I KNEW IT BUT IT DIDNT WORKM IN MEAN TIME I WAS SENDING MY PAYMENT TO COMMENITY, I DIDNT WANT TO PAY 100.00 BEING THAT I WAS HOPING TO RETURN TO RETURN IT BECAUSE IT DID NOT WORK, EVERY MONTH I WOULD SEND 50 IN WHICH WAS OVER MIN PAYMENT YET I GET THE NEXT BILL, AND EVEN THOUGH I MADE PAYMENT I WOULD OWE MORE THEN THE PRIOR MONTH, THATS WHEN I READ FINE PRINT AND NOBODY EVER TOLD ME, I HAD TO MAKE A 100.00 PAYMENT FOR MY FLEX PAYMENT, WHICH I DIDN'T WANT TO PAY BECAUSE I WANTED TO RETURN IT. I WAS HOPING EITHER HSN ASSURIAN OR HP WOULD COVER SINCE I HAD BOUGHT THE EXTRA WARRANTY , IT WAS USED 3 DAYS, YET I WAS TOLD , IT WAS MY FAULT BECAUSE I TRIED TO CHANGE PASSWORD.THIER FLEX PAY , IS A TOTAL SCAM.

I FOUND OUT THE DOWN PAYMENT I MADE, WENT DIRECTLY TO HSN, WHICH THEY NEVER CREDITED ON MY BILL, THERE ALSO WAS A LATE CHAGE ON EVERY BILL BECAUSE WHEN YOU PAY IT ON THE DUE DAY, THEY DONT' PROCESS THE PAYMENT SOMETIMES FOR 5 DAYS OR MORE. THEY STARTED CHARGING INTEREST FROM THE MINUTE I PURCHASED IT BEFORE I EVER GOT IT DELIVERED.EVERY MONTH I WOULD CALL HSN SAYING ,I WAS DISPUTING THE CHARGE, BUT IT JUST KEPT GETTING MORE EXPENSIVE, I TOLD THEM SINCE THE BILL WAS IN DISPUTE, THEY SHOULDN'T BE CHARGING ME INTEREST, THEY FINALLY , THEN WENT IT WAS UNDER DISPUT IN OCTOBER, IT TOOK 6 MONTHS TO GET THEN TO DISPUTE THE BILL, THEY PUT A LATE PAYMENT ON MY CREDIT CARD, IN SEPTEMBER I BOUGHT SOME LOTION I HAD TOLD THEM I WANTED TO PAY FOR IT,WHEN I BOUGHT THE LOTION I PAID HSN, BUT IT TURNED UP ON MY CREDIT CARD BILL, I SAID I WANTED TO PAY THAT PORTION OFF, SO I DIALED 800 COMENITY BUT SOMEHOW GOT SWITCHED TO HSN,WHICH I WAS NOT AWARE OF, AND WHEN I SHOWED THEM A COPY OF MY CREDIT CARD SHOWING THAT I PAID IT TO HSN, THEY SAID WE KNOW ANYTHING ABOUT WHAT HSN RECEIVES BECAUSE THEY ARE 2 DIFFERENT COMPANIES,THAT HAVE DO NOT HAVE ANYTHING , TO DO W EACH OTHER,THEY DID TAKE THE LATE CHARGE OFF BUT MY PAYMENT NEVER CREDITED FROM HSN TO COMENITY CCARD ACCOUNT, I AM NOW STUCK PAYING BACK 1000 FOR NOTHING,NO COMPUTER, I DIDN'T GET REFUND FOR THE 159.00 ASSURIAN WHICH WOULDN'T COVER IT, AND THEY CONSTANTLY RECIEVE THE PAYMENT ON TIME BUT DON'T POST THE PAYMENT, TILL ER.

THEY ALL THREE A FALSELY ADVERTISING, AFTER THE DUE SO THEY CAN GIVE YOU A LATE CHARGE. ON THE BACK OF THE COMENITY CC STATEMENT SAYS IF YOU BUY A ITEM THATS DEFECTIVE AND YOU TRY GET IT FIXED, THEY WILL TAKE OFF YOUR BILL, BUT THAT IS NOT TRUE,THEY SAID IT WASN'T THIER RESPONSIBILITY, AND IN NO WAY WOULD STAND BEHIND WHAT THEY HAVE WRITTEN THAT THEY TAKE OFF YOUR BILL IF IT IS DEFECTIVE.ALL BECAUSE OF PASSWORD THAT IS CRAZY!!

Reason of review: Damaged or defective.

Monetary Loss: $500.

Preferred solution: Let the company propose a solution.

Home Shopping Network Cons: False advertising, Deceptive billing practices, Customer service, Refund policy.

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