- Report: #374328
Report - Rebuttal - Arbitrate
Complaint Review: HSBC Card Services - Orchard Bank Card
HSBC Card Services - Orchard Bank CardP.O.Box 17051 Baltimore, Maryland U.S.A.
HSBC Card Services - Orchard Bank Card Lying about Annual Fees Baltimore Maryland
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Again, I was assured by the account manager on the phone that the APR was indeed 0% for the first year and there was no annual fee. I also stated I was not interested in any other bogus fees, like proetection insurance, and such. I stated that the only thing I want to see on my monthly statements, were my purchases, and nothing else -otherwise, I have no interest in the product offered.
Lo and behold, when I got my first statement, annual fee of $39 was listed there. After calling the 800 Customer Service # being placed on hold for about 6 minutes, I finally got to a customer service rep. After hearing my complaint, she informed me that she needs to transfer me to another account manager. I then repeated my complaint to the account manager. She informed me she regretted I was "misleaded" (her words, not mine - unfortunately, the lady possessed very poor command of English language) and said she will go ahead and close the account even though they were "sorry to lose my business".
I pointed out to her that if she was truly sorry about losing my business, the right (and ethical) thing to do was to deliver on their promise of no annual fee card and waive that fee. She said again she was very sorry but she could not help me in any other way. I asked he if she really thought that the bank was actually going to collect the fee I was promised not to be charged in the first place, to which she replied, "if you don't pay us, we'll report you to all three national credit bureaus". Great practice, eh?
This report was posted on Ripoff Report on 09/19/2008 08:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/HSBC-Card-Services-Orchard-Bank-Card/Baltimore-Maryland-21297/HSBC-Card-Services-Orchard-Bank-Card-Lying-about-Annual-Fees-Baltimore-Maryland-374328. 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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