• Report: #398345

Complaint Review: HSBC - Orchard Bank Credit Card

  • Submitted: Fri, December 05, 2008
  • Updated: Tue, December 09, 2008

  • Reported By:Sunnyvale California
HSBC - Orchard Bank Credit Card
www.hsbcusa.com Salinas, California U.S.A.

HSBC - Orchard Bank Credit Card Ridiculously declined my billing dispute, held me responsible for a transaction I had no idea of Salinas California

*Consumer Suggestion: OK, this is what you have to do. . .

*Consumer Comment: File complaints

*Consumer Comment: File complaints

*Consumer Comment: File complaints

*Author of original report: Further clarification

*Consumer Suggestion: Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

*Consumer Suggestion: Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

*Consumer Suggestion: Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

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I am the owner of an Orchard Bank Credit Card, issued by HSBC.

In October, I was contacted by HSBC Customer Service informing me there were suspicious activities in Mexico on my credit card. After confirming (1) the card was in my possession physically; (2) I was not in Mexico; (3) I did not authorize any of the transactions, HSBC reached the conclusion that my card had been illegally duplicated without my knowledge. HSBC then closed my card and issued me a new one. I was also told that I would not be held responsible for any of the transaction.

Several days later, however, I found a transaction, in the amount of ~$40 and happened at a restaurant in Mexico, appeared in my account. I filed a billing dispute with HSBC regarding this transaction since I neither authorize it nor had any knowledge of it.

Today, I received an email from HSBC (signed as Victoria V15431 from HSBC Billing Dispute Department) informing me their decision of holding me responsible for the charge. They provided a copy of the sales receipt and stated 3 reasons: "1. The sales slip contains your credit card imprint or electronic equivalent; 2. The sales slip bears a signature; 3. Your card was not listed as lost or stolen at the time of this transaction."

After reviewing the sales slip, I found the signature does not match the one on the back of my card (or any of my signatures)!

I am extremely unsatisfied with HSBC's decision. And I urge you to seriously consider the risk if you are going to use any financial products from HSBC.

Anonymous
Sunnyvale, California
U.S.A.

This report was posted on Ripoff Report on 12/05/2008 04:45 PM and is a permanent record located here: http://www.ripoffreport.com/r/HSBC-Orchard-Bank-Credit-Card/Salinas-California-93912/HSBC-Orchard-Bank-Credit-Card-Ridiculously-declined-my-billing-dispute-held-me-respons-398345. 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:
0Author 8Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

OK, this is what you have to do. . .

AUTHOR: Pardel - (U.S.A.)

This happened with my credit card last year. There were 3 charges I did not make equalling $590.00. First you HAVE to make a police report, this is a theft. (required by most cards, even if not required it ensures your money being refunded). Call your credit card company and ask for a dispute form. Fill out the dispute form and attach a copy of the police report, mail it back to your credit card company. You will receive your refund with-in 90 days. (remember all visa and mastercard companys have to follow the V/M rules. )
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#2 Consumer Comment

File complaints

AUTHOR: Laurie - (U.S.A.)

with the Federal Trade Commission and Office of Thrift Supervision. BOTH OFFICES
OTS will help you resolve the whole matter in about 45 days. The cc company cannot ignore complaints that come to them via the Office of Thrift Supervision

More than likely it is a case of the right hand not knowing what the left hand is doing as to why all but 1 was taken care of the first time
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#3 Consumer Comment

File complaints

AUTHOR: Laurie - (U.S.A.)

with the Federal Trade Commission and Office of Thrift Supervision. BOTH OFFICES
OTS will help you resolve the whole matter in about 45 days. The cc company cannot ignore complaints that come to them via the Office of Thrift Supervision

More than likely it is a case of the right hand not knowing what the left hand is doing as to why all but 1 was taken care of the first time
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#4 Consumer Comment

File complaints

AUTHOR: Laurie - (U.S.A.)

with the Federal Trade Commission and Office of Thrift Supervision. BOTH OFFICES
OTS will help you resolve the whole matter in about 45 days. The cc company cannot ignore complaints that come to them via the Office of Thrift Supervision

More than likely it is a case of the right hand not knowing what the left hand is doing as to why all but 1 was taken care of the first time
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#5 Author of original report

Further clarification

AUTHOR: Anonymous - (U.S.A.)

Thanks for the suggestion. But probably I didn't make myself clear.

The ~$40 transaction was among the "suspicious" ones on the first day.

HSBC closed my old card number but I was still able to view my account information online. The transaction showed up a few days after it actually took place. (There is usually such a delay for credit cards transactions.) At that time, I was still waiting for my new card to arrive (which was delivered by USPS about 2 weeks later).

Someone duplicated my card and was using it in Mexico for about 3 or 4 times on that day. I just cannot understand why HSBC thinks I should be responsible for this particular one (while the others transactions were removed from my account).
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#6 Consumer Suggestion

Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

AUTHOR: Pardel - (U.S.A.)

I can see why HSBC would hold you responsible. If your card was used in Mexico fraudulantly and the card is cancelled by HSBC who then issues you a new card, the new card then also has 'fraudulant' charges placed on it? That is very suspicious! You need to figure out where you are using the card where someone might be getting your card number using it illegally or who in your household may be using your credit card without your authorization. For both credit card numbers to be stolen. . . . be real, that is like lightening striking twice in the same place. It could possibly happen but very unlikely!
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#7 Consumer Suggestion

Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

AUTHOR: Pardel - (U.S.A.)

I can see why HSBC would hold you responsible. If your card was used in Mexico fraudulantly and the card is cancelled by HSBC who then issues you a new card, the new card then also has 'fraudulant' charges placed on it? That is very suspicious! You need to figure out where you are using the card where someone might be getting your card number using it illegally or who in your household may be using your credit card without your authorization. For both credit card numbers to be stolen. . . . be real, that is like lightening striking twice in the same place. It could possibly happen but very unlikely!
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#8 Consumer Suggestion

Strange. . . . Your issued a new credit card due to fraudulant activity and a charge is placed on that card also . . .

AUTHOR: Pardel - (U.S.A.)

I can see why HSBC would hold you responsible. If your card was used in Mexico fraudulantly and the card is cancelled by HSBC who then issues you a new card, the new card then also has 'fraudulant' charges placed on it? That is very suspicious! You need to figure out where you are using the card where someone might be getting your card number using it illegally or who in your household may be using your credit card without your authorization. For both credit card numbers to be stolen. . . . be real, that is like lightening striking twice in the same place. It could possibly happen but very unlikely!
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