My husband and I bought a video camera from Best Buy, about two years ago, and I got approved for a $600.00 credit limit to purchase the Camera. Once I recieved my first bill, I reviewed it carefully, and noticed an additional charge for $4.56. I immediatly called HSBC and they informed me that I was being charged for some kind of Debt Cancellation, which I never signed up for. So I called and cancelled it immediately. This was in 2006. It is now 2008, I have called them three times, as I have noticed this charge each and every month. I am still being charged five dollars every month for this 'service' that is fradulent and has been cancelled three times.
In addition, for the past month I have recieved approximately 25 phone calls a day for a $15.00 payment that was due. Every time that I would try to call to make a payment I would get someone who is Middle Eastern and doesn't speak English. I couldn't understand what these people were saying, so I would get frustated and hang up, to try again the next day, only to go through the same thing again.
I have been trying to contact someone in the credit department that speaks English, and it is not possible. I have called them 13 times today, alone. Every time I call, its someone who doesn't speak English, and I request that they give me a phone number so that I can speak to someone who speaks English, and I just get sent around in this loop, of multiple phone numbers, for the same company, to only recieve an agent who I cannot understand.
I got online today, to "register" so that I can I can pay my full balance, and close my account, and I cannot complete the process because their system does not recognize my account. So once again, I try to call to get assistance and no one speaks English. I find it very hard to get assistance when I cannot understand a single word that the "representative" is saying.
I have tried to contact the HSBC direct headquarters, and they tell me that they cannot assist me in this matter. So once again I get thrown into the Middle Eastern loop of frustration. The camera I bought was about five hudred dollars, and because of their "Customer Service" I have actually paid close to a thousand dollars for this camera. Each month they do not processs my payment until the day after the due date, therefore I get a late fee every month of $35.00.
This morning alone, I have spent close to three hours trying to get help, and no one will help me. All I want is to pay the full balance, so that I can
close my account and I cannot even do that. I have tried to contact Best Buy, and they tell me that they cannot help me either. I am at the end of my rope with this company. I requested to speak to a manger, and needless to say, I couldn't understand her either. So I finally asked to speak to her Supervisor, and conveniently there was no one available in that position to speak to.
I conclusion, I have spent numerous hours on the phone with this company, cancelling "services" that never get cancelled, trying to make payments, and desperately trying to speak to someone that I can understand, all for the "representatives" to tell me that I have 5 days to send in a check, which according to the USPS, is not even possible, or they will continue calling my phone 20-30 times a day, and adding late charges. I have considered contacting a lawyer about this matter, as their harrasing debt collecting practices are illegal, and once again, I cannot understand what any of these people are saying.