• Report: #526780

Complaint Review: HSBC (Orchard Bank Visa And Mastercard, HSBC Card Services)

  • Submitted: Sat, November 21, 2009
  • Updated: Thu, December 10, 2009

  • Reported By: Italia — Littleton Colorado Virgin Islands (US)
HSBC (Orchard Bank Visa And Mastercard, HSBC Card Services)
Worldwide Internet United States of America

HSBC ,Orchard Bank Visa And Mastercard, HSBC Card Services, Orchard Bank Liars, thieves and scam artists and un-American Internet

*Consumer Comment: Household Bank=Bad Business

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Yes, I had to file bankruptcy 3 years ago. I started to rebuild my credit by applying for and getting a card through HSBC. I soon found out you cannot make your payment the day it is due or you would have to pay an additional $12.98 because for some reason, this LARGE bank is incapable of processing payments immediate. Funny how other larg corporations can but HSBC cannot. God forbid your payment was due on a weekend because once again, this large conglomerate is incapable of processing payments on the weekend. WHY? EVERYONE ELSE DOES. Ok, so I made a mental note to always pay 3 days in advance. I get all of my statements via email, I am trying to save a tree... I made the mistake of not paying attention for 7 months and did not notice a special fee was being added to my statement every month, yes I know, my fault. I called about this special fee, it was a protection plan I supposedly signed up for when I filled out the application online. NOT. I have a savings account and don't need anyone's assistance if I lose my income. I called requested the protection plan be cancelled. Per the first rep I spoke with I signed up for the protection plan in February 09, the rep could not produce a signed document nor an internet (signed) document or a voicelog indicating I wanted this additional coverage. How convenient. There was no innovation on their part, no proactive offer to credit anything. I wasn't asking for the credits all the way back to February as I was the idiot who did not pay attention but come one, give me a small bone. Ok, so it was cancelled per the rep in India... Oh yeah, call centers in the US. Or at least they cannot transfer you to one or provide you with a local phone number for one. So the next month I am proactive and look over my statement, mother trucker! there it is again. I call that effing department again and again I demand it be cancelled and now I want it credited back to my account. No go on the credit but it has been cancelled for sure this time! After this I am pissed call back to the regular customer service line and close the account. Guess what folks, I go to pay my bill this morning and the effing charge is ON MY STATEMENT AGAIN. Of course this phone call was not pleasant and was filled with four letter words and nasty comments about Hindi's and their ancestors. Oddly enough I am given a CANCELLATION NUMBER THIS TIME... Gosh, I didn't receive that information the last two times I called, sounds a little to convenient to me. I requested to be transferred to a rep in the US, this rep finally admits there are no call centers in the US. HSBC IS UN-AMERICAN! In these turbulent times any company who completely out-sources all of its workforce to a company outside of the US should not be permitted to do business in the US. Shame on you HSBC and I am still waiting for a reply to all of my emails I sent to your customer service department, the first of which was sent 3 months ago. You have created a terrorist and I will tell everyone I know to NEVER do business with you all locally or internationally. I did not use the work terrorist in a threatening manner so don't read anything into, my terror will strictly be verbal. 


This report was posted on Ripoff Report on 11/21/2009 10:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/HSBC-Orchard-Bank-Visa-And-Mastercard-HSBC-Card-Services/internet/HSBC-Orchard-Bank-Visa-And-Mastercard-HSBC-Card-Services-Orchard-Bank-Liars-thieves-an-526780. 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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#1 Consumer Comment

Household Bank=Bad Business

AUTHOR: lepatterson - (USA)

In today's economics I would of thought that companies would want to preserve a good image and work with those that are struggling.  Instead these businesses such as HSBC are relying on their preditory instincts by employing people from India for their customer service (which no one can understand), misleading good customers, and implementing bogus processing procedures.  Every bank I've ever dealt with past or present had an acceptible online payment methods.  HSBC loves to hold one hostage to pay their 12.95 rush payment system.  Monday- Thursday (4pm) you can make an online payment.  This huge Corporation does not have the software, or capability of accepting payments any other time.  My mother is 73 years old and is re-establishing her credit and I pay her payments online.  I had a very overheated argument with a representative of India whom I could barely understand.  My power was out due to the recent storm and when I got back online to make her payment discovered the "rush" payment system was her only option.  Her payment was due Dec. 13th on a Sunday, and here it is Thursday, Dec. 10. 


We all need to start stepping up to the plate and fighting these Companies that send our jobs overseas.  I will assist my mom on getting this bill paid off, but I will be sending a letter to every politician, every person I believe will listen discussing these preditory practices.  So many people are struggling, and if it wasn't for US these companies WOULD NOT exist.  No wonder the poor get poorer and the rich get richer.  Businesses with these type of practices won't loose any sleep on how they treat us, whether they raise our interest rates, charge us late fees, or force us into rush payments, because they don't care.  These people live in million dollar homes, pay themselves million dollar bonuses, and send our jobs out of the country. 


 Who will help the millions of unemployed people make their house payments, credit card payments because Companies such as HSBC outsources our jobs and takes away our livelyhoods?   Who will bail us out?


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