• Report: #708807

Complaint Review: HSBC GM Mastercard Nevada

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  • Submitted: Mon, March 21, 2011
  • Updated: Mon, March 21, 2011

  • Reported By: Ms. Tu — Lake Wales Florida United States of America
HSBC GM Mastercard Nevada
P. O. Box 80082 Salinas, California United States of America

HSBC GM Mastercard Nevada Brian Hughes Executive Vice President Lowered Credit Amount without authorization Salinas, California

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On March 13, 2011, I received a letter in the mail. Enclosed was a HSBC Mastercard with a credit limit of $1200.00. I had applied for this card on the Internet two weeks prior receiving it. I had to activate the card by calling into the card center and it was confirmed that I had been approved for $1200.00 credit limit.

On March 14, 2011, I preceeded to take my son back to college and felt I could use the card for traveling since it was for $1200.00: $300.00 for cash advance.

I went to an ATM machine to get $100.00. I felt the PIN was the last four digits of the card. I called the card center and they told me they would send the PIN in 14 days after I could not get the money from the ATM!

I went out of town to take my son back to college this same day and we were in the process of purchasing a book at a Barnes and Noble book store and I also purchased other items while traveling and the worker in the store told me the card was declined. I had never heard of a card company stopping you from using a card they had approved or changing the limit without seeing if the consumer pays or not.

My son called the card center and a message stated that my limit was now $300.00 instead of $1200.00. My son was with me when I activated the card, so he was as confused as I was.

I didn't want to call myself, so I would not curse them out for putting me in such a tense and bewildered situation. I called a week later on March 21, 2011 and wanted to know for what reason the limit was lowered. I agreed to $1200.00 and if they had just offered me three hundred dollar limit, I would have sought out another bank to deal with because that is NOT what I wanted. They did not send me a letter or gave me a phone call as to this change being made, nor have they sent the PIN number for cash withdrawl.

I feel you just can't GIVE people what YOU want them to have without their approval. I was shocked to see so many rebuttals to this ripoff. I will be contacting the Better Business Bureau to alert other consumers to this crazy company and I will be contacting the media so the consumer will know about this company and use a credible card company.

This report was posted on Ripoff Report on 03/21/2011 05:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/HSBC-GM-Mastercard-Nevada/Salinas-California-93912-0082/HSBC-GM-Mastercard-Nevada-Brian-Hughes-Executive-Vice-President-Lowered-Credit-Amount-with-708807. 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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