• Report: #1037397

Complaint Review: CAPITAL ONE HSBC

  • Submitted: Sat, March 23, 2013
  • Updated: Thu, April 25, 2013

  • Reported By: soirritated — Central Oregon
CAPITAL ONE HSBC
PO Box 60504 City of Industy, California United States of America

CAPITAL ONE HSBC Best Buy Complete ripoffs, representatives contradict each other City of Industy, California

*Consumer Comment: Any progress?

*Author of original report: Thank you Olathe

*Consumer Suggestion: Suggestion to the original writer

*Consumer Comment: It 's not fair to call other people nasty names, as it gives you way too much credibility.

*Author of original report: You moron

*Consumer Comment: Why is this a problem in the first place?

*Author of original report: Mr Low IQ

*Consumer Comment: MISSED!

*Author of original report: Mr Low IQ

*Consumer Comment: What Is Obvious...

*Author of original report: Your IQ is Negative

*Consumer Comment: Another TYPICAL Low IQ Response!

*Author of original report: Best Buy credit ripoffs

*Consumer Comment: No Obligation

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This company is a complete ripoff.  We have had a Best Buy card with them for 3 years now.  Our finances have changed and we only get paid once a month.  We have called for at least 6 months now trying to get the due date changed for 3 days later so we wouldn't get late charges since all other companies we have dealt with have had no problem doing this.  They always have an excuse that they can't do it and to call back the next month so we were told to make a double payment on a certain date and there would be no late charge and the next months payment would be made so when we paid 3 days late the next month it would apply to the following month therefore we wouldn't be late.  We did this and sure enough they charged us another late charge.  We called again and they still want us to make another payment for the month we already paid.  I asked who do I believe since you all contradict each other and they replied "believe me"!   Who do you believe?  Meanwhile there are being rude and charging late fees when we were told there would be none.  I will never again do any business with this bank or Best Buy since they are the ones who have this lousy bank for credit.

This report was posted on Ripoff Report on 03/23/2013 01:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/CAPITAL-ONE-HSBC/City-of-Industy-California-91716/CAPITAL-ONE-HSBC-Best-Buy-Complete-ripoffs-representatives-contradict-each-other-City-of-1037397. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
6Author 8Consumer 0Employee/Owner
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#1 Consumer Comment

Any progress?

AUTHOR: Cosmotron - ()

Have you contacted the BBB or written that letter yet? The letter to Best Buy basically could have been a copy of the BBB complaint, so it should have been a simple task. Hope you refrained from the "moron" chatter, as was used before, or you were wasting your time.

As the card company is one of many that won't change dates, at least under certain conditions, the outcome of your efforts will unlikely suit your desires. They did nothing wrong, illegally or unethically. BBB is in the business to make money for customers that pay for an 'A', and not to suit complaints that have no bearing of wrong doings. Best Buy has nothing to do with this complaint, and would only appear as a groping extension by an irrational person that is trying to manipulate people. A good letter, however, sometimes can make a difference. In my opinion, that letter will have zero impact unless it was directed to the particular card company in question. 

I honestly have never seen the application to join the "cyberbullying ring". It seems that anyone that doesn't clearly agree with a complaint must be a member, which seems a bit bizarre. Since I'll be accused of being whatever a troll is, maybe I'll get that application sent to me soon. I hope there's no dues, as I won't join then. I facetiously say this now as I am curious as to why some of the questions asked were completely ignored. Obviously that was for a reason. If there was money for a double payment, that was problem solved as the date became irrelevant. Why so many cards? How they just all happen to have the same or similar payment date to need changing? Why not consolidate? 

I would ask a more basic question: What was the reason that card company said they wouldn't change the day? There are many valid reasons for that, such as high balance, number of credit cards or income/debt ration, credit history, etc. Credit companies may refuse payment date alteration if it appears merely a tactic to get out of a months payment. That doesn't make that creditor, who has given you their money, a bad business at all. There are people that have had their payment dates change and then complain that their payment went up. Interest will accrue for the extended time and be added to the new date. When people write complaints about this too, the same logic may be used that members of a 'cyberbullying ring' would question the complaint.

Have you ever considered talking with a financial advisor? It would get you professional advice and ideas that you probably haven't heard of yet. Unfortunately for you though, he might begin to sound like one of those cyberbullying moron trolls, so it might not be worth the fee he charges to supposedly save you money. 

If you prefer not to give a logical explanation to the questions other's asked, that's fine. It's really curious though, especially with having money for a double payment, about why all the other possibilities to solve your problem were not tried or didn't work. Could you attach a copy of your Best Buy/BBB letter here? It would really help others to get the same results as you have gotten on similar problems. If for nothing else than to give justification and credibility, please let us know what the reason(s) the card company stated as to why the date could not be changed.


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#2 Author of original report

Thank you Olathe

AUTHOR: soirritated - ()

Thank you Olathe, I figured the others were just trolls that have nothing better to do so I did  quit responding to their ridiculous nonsense comments.  Must be nice to have a great job to pay your bills on time when the economy sucks now and unemployment is at a historic all time high and we are just trying to pay them without being penalized instead of ignoring our bills like many do.
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#3 Consumer Suggestion

Suggestion to the original writer

AUTHOR: - ()

If your situation is truly as described, you might push harder for the company to change your due date. While they are under no contractual obligation to do so, they will look like they have extremely poor customer service and are attempting to make sundry income (e.g. late fees and additional interest) off of you by not changing the due date. Find out what state the credit card company operates in, and file complaints with the following places: 1) the BBB in the city where the company is based; 2) and the Consumer Financial Protection Bureau. In addition, you might directly write a letter voicing your concern to Best Buy, although they do not underwrite the account, since Best Buy wants to retain their customers. I cannot imagine they would be thrilled about their underwriter refusing to change a due date, causing additional late fees and interest, therefore alienating a customer and failing to receive repeat business.

In addition, just ignore the hateful comments on this page and do not reply to them. These people are operating as a cyberbullying ring. These people routinely post hateful notes on Rip Off Report, and replying to them only validates them. Just move on.

Good luck.
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#4 Consumer Comment

It 's not fair to call other people nasty names, as it gives you way too much credibility.

AUTHOR: seeworthy - ()

Has anyone ever heard a grade school child call others dummy, stupid, ugly, MORON, etc.? Of course we have. Does that mean this complaint was made by a grade school child? Unlikely so but, as sad as it is to imagine, my bet is it is by an adult whom has chosen to blame other's for his own problems, preventing himself from being able to mature properly.  This complaint is the subsequent manifestation of that unfortunate mindset. The complainer has now illustrated that he has not only been called these types of names himself, but obviously continues to be hurt with them as he now desperately feels they can hurt others. Someday, for his sake, it will be good to learn that he is not only degrading himself with empty kiddy blabber, but those that he is calling names would be less likely to think of him as a pathetic fool that. Most people tend to view a name-calling individual as a parasitical individual that has chosen to live his life attempting to manipulate other's with blame rather than accept the more difficult path of self responsibilities. If this reader chooses to regard the latter as nonsense, it is his choice to act any way he so chooses. This latter paragraph is my respectful response to the "Your IQ is Negative", "low information person with NO IQ!!", "You moron!!", and is only opinion based on reasonable stereotypical common sense. I make no claim to knowing this complainer or having any factual association with him (or her).

So, Complainer, 'did you ask for my opinion'? You most certainly did, just as you wanted the opinion of any person that read your complaint. The only problem is that you will now get the opinion of everyone, not just those that choose either agree with or act like you. 

If those people/companies had the same behavior that you choose to maintain of yourself, then the services that you demand would become impossible and non-existent. How could the banking industry (or any business, for that matter) accommodate society if the people that functioned businesses all acted like you do?! Your three day deviation to a contract is just an example of the even more disruptive and irrational demands on your part. To accommodate your deviation would also necessitate the request of all other conceivable deviations from other people. Your self centered demand affects others, but you only are focusing on yourself. When the demands of others affect you in a manner that you do not desire, would you be as willing to accommodate them? You've stated that readers don't know you, but our bet is that you will only assist other's needs if you get something out of it for yourself and not for compassion alone. Has my logic totally eluded you? If my logic doesn't define yourself, then surely you would agree with the rational. If you disagree, then your defensiveness tends to illustrate what you are. You do understand and do the same, don't you? The difference is that I am more verbose and you prefer the more brief "moron" type language.

Questions for you, again, so that we can more accurately understand your dilemma (unless you have reason to not want us to):

What you have written here doesn't show what type of person you are, and had no other value other than pure slander? Did you read the credit card contract that you agreed to and signed? The cowardly hiding-behind-the-monitor juvenile name calling has value? Strange...as you are so very quick to use adolescent descriptions to define how much you know about those that have responded here...is this not yet another blatant example of double standards? As responses here question your logic, you feel that is proof that they work for that insurance company? If, in the ever so minuscule chance, these responses came from those that are merely a typical sampling of the readers of this complaint and unaffiliated with that company, would your complaint not be totally discredited? Do you also disagree with that? (For myself, however, I just can't wait for my next paycheck from this bank. Oh, have I mentioned that I was also told I'll get a nice bonus from Best Buy too? Even though it's common knowledge that complaints are responded by paid employees, still all companies have staff or agencies that troll around the web looking for complaints to dispute.) So if you're having difficulties paying your bills, why don't you get a job doing that?? Hey, we can be friends and I'll take you under my wing and put the good word in for you! That is if you can answer "Yes.", to the question, "As a reflection of the integrity of a person, I have been complete, honest, rational, and completely fair with everything I have said in my complaint." If you can't answer, privately to yourself, 'Yes',  then you should allow readers to make assumptions about your life. Assumptions do not automatically fall into the category of being judgmental, as you have clearly chosen to be in a rather adolescent fashion.  

But only after you stop avoiding the questions: If you had the money for a double payment, why couldn't you pay by the contractual due date? How is it all your credit cards happened to have the same due date? If you've paid off all your other cards, why din't you pay this one off too? If your strange three day issue is too difficult for you to figure out yourself, why not transfer the debt to another card and terminate this one (exercising your simple capitalistic self correction for business operation)? You really don't have the minimum due left in your account each month (which defines living paycheck to paycheck), and that is what is typically thought of as good financial management? Even with options that were suggested here that would solve this petty issue, you still choose to blame others while stating that that is the only means to correct them? You will call other people names before you even try? Shall I continue, or will you persist with the demands for apathy from those that ask these basic questions, while demanding that those that don't know you actually defend your irrationality and petty name calling? 

People could easily dig deep and verbally elaborate here as to why you have said what you have said. Though it would be based on assumption and common sense, it would get ugly long before the name calling you prefer even began. The truth can be embarrassing and attempted to be buried with irrationality. HOWEVER, no one has yet injected any claims regarding your behavior based on anything other than what you have specifically said about yourself. If you desire a different response, then be a different person. Answer the previous questions, while knowing that every person that sees your face will think of you no differently than is depicted by the responses here. If you really feel compelled to look another person square in the eye and say "MORON", try to appreciate both the bit of diligence (arguably, but it existed) that you had with your responses here, as well as the fact that you no longer have your monitor as a physical shield to protect yourself from someone with similar behavior as your own.

The solution to this problem was simple. You've shown you had the ability and resources, but thus far have decided to blame the bank, Best, Buy, and every one else that asks you, "Why??" I have the answer to that, but then it would just be another claim to know what type of person you are. I'm a moron with solutions that work. And you are just something else. Fair enough?

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#5 Author of original report

You moron

AUTHOR: soirritated - ()

Why don't you mind your own business?  Did I ask for your opinion??  Of course not.  I am stating exactly what happened.  Would you like every time you call a company they change their mind and tell you something different?  You know nothing of my situation so you just b***h about anything I say without knowing nothing.  No I no longer have many credit cards because they were willing to work and I paid them off.  You know nothing about my finances yet you spew garbage.  Just mind your own business and stay off of my complaint.  I did not ask or need your negative rebuttal since you don't know anything about me.  Just because you work for them and are trying to defend their ridiculous company no one has to agree with you.
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#6 Consumer Comment

Why is this a problem in the first place?

AUTHOR: seeworthy - ()

Amazing...all this regression in character to defend one's liberal sense of self righteousness. Why should anyone be expected alter a contract to suit everyone's person needs? Three days here means a week for someone else or then a skipped payment for another with no fees. Though this complainer says ALL other card companies adjust to suit his needs, that is certainly not true. the odds of him exclusively having companies that would suit his every whim are extremely unlikely.

Regarding the authors statements, some questions come to mind. He indicates excellent use of his finances as well as having a great credit score. How many credit cards are necessary (with so many accommodating the three day payment shift) to manage that great financing? All of the cards had the identical payment date?? With all of the credit cards and/or other loans (let's not forget these are accrued debts), are we to assume this complainer is living paycheck to paycheck and was before things changed as, after all, these payments existed before the change.

And one last oddity. If, as the complainer stated, a double payment was made with the expectation of always being one month ahead on a payment. This has never been available on any credit card or loan contract that I have ever heard of. The advance payment only is debited from the principal interest free. Regardless, if this complainer had the money for a double payment, why not send the regular single payment in on time and merely save the double portion for the next payment due period, which would then also be paid on time while having that month to accrue funds for a prompt payment for every succeeding month there after? This complainer strongly stated he handles his finances well, yet bungled this simple process?

I'm sorry, but the illogical nature of this complaint tends to point a fault at this card(s) holder. Why am I under the impression that if someone jocularly told this complainer that Obama said he'll wipe out all credit cards debts when finances changed for an American, this complainer would say, "WHERE DO I SIGN UP?!" He doesn't realize that people with his mindset have already signed up, expect entitlement to their every demand, and that he and the rest of us are just at the beginning of paying for the irrationality found in this complaint.


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#7 Author of original report

Mr Low IQ

AUTHOR: soirritated - ()

You have no point that's the point.   You are brainless.  Is it any of your business what I write, that right it isn't any of your business, you are just a troll!!
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#8 Consumer Comment

MISSED!

AUTHOR: Jim - ()

You have TOTALLY missed the point! Not only that, you have proven mine! Comical! I rest my case! Shalom!!!
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#9 Author of original report

Mr Low IQ

AUTHOR: soirritated - ()

I guess since you can not read my response I never stated and you quote "I read your response and I agree I must manage my own finances."  I did state that I have always managed my finances very well.  I have a very high credit score.  Apparently you think you can quote things that were never said and not be called out on your obvious brainless illiterate mistakes.  I did state that they could be flexible since all others have been.  Is 3 days going to kill them??  They must be a pretty sorry company to not be flexible in the hard times of the economy.  Get off your high horse because no one cares.  I also stated when Yahoo posted the "Worst customer service companies" that many posts were saying Best Buy and their finance company should be first on the list and they all had extremely bad experiences with them.  I had a fine rebuttal  since I quoted what happened in the first place.  Maybe you should read instead of inserting what you think I should say.  Anyone that has to add "I don't work for them" obviously works for them, it's a typical lying response to even add that unless it's untrue.  This is Ripoff Report to state what happens to people not for you to negatively comment on things you don't like, this is my experience not yours!!
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#10 Consumer Comment

What Is Obvious...

AUTHOR: Jim - ()

What I do know is you have no rebuttal.  Rather than admit you don't or at least say you do not agree with the point, you resort to the age old "who do you think you are" smokescreen and the "you must work for them" brainless remark.  So then, what would the proper response be, if someone should not agree?  It goes like this:  "I read your response and I agree I must manage my own finances, and I do.  My point is they are being inflexible.  Your point, Jim, seems to be they set the rules and we must conform to doing things their inflexible way.  In other words, you are saying we are at their mercy.  I respect your opinion and your right to render it.  However, I do not at all agree with you.  It is my point Jim, they should be able to be a bit flexible, just like the other creditors have been.  I realize Best Buy and the finance company are separate.  I do not blame Best Buy for this because they don't set the policies of the finance company and may not even know what their policies are!  I may continue to do business with Best Buy but as far as I'm concerned, I won't ever use that finance company again." 
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#11 Author of original report

Your IQ is Negative

AUTHOR: soirritated - ()

Too bad you have no brains.  You know nothing about my circumstances yet you think you can respond with an idiotic response.  Keep to yourself and quit meddling.  You are a low information person with NO IQ!!  You moron!!
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#12 Consumer Comment

Another TYPICAL Low IQ Response!

AUTHOR: Jim - ()

The OP has no intelligent rebuttal because the nail was hit squarely and directly on the head!  The OP cannot counter that response and knows it!  So...its the typical immature, low intelligence "you must work for them" song and dance! 
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#13 Author of original report

Best Buy credit ripoffs

AUTHOR: soirritated - ()

I can manage my finances just fine and have all my life.  When our pay period changed all other credit companies were more than happy to change a few days so as to avoid late charges but this stupid bank was not willing to do anything except contradict each other.  I know you work for them since you are sticking up for them but I will not do any other business with either one of them and I see on other websites how much others hate this company and their bank also.  They are total ripoffs.
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#14 Consumer Comment

No Obligation

AUTHOR: Jim - ()

The credit card company ONLY supplied the financing.  Best Buy ONLY supplied the product and/or service.  The credit card company was NOT put here to get into your business.  It is not up to them to manage your finances for you as one would think you are big enough to do that now.  Do personal circumstances change?  Of course they do.  When you are driving down the road and that road curves to the left...do you continue to drive straight, off the road and into the tree then blame the road or do you turn the wheels to stay on the road and get to the destination?  Let me save you the effort in advance...I don't work for either entity! 
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