I have 2 cc accts with this company and due to my personal economy , I called them to combine my 2 accts. The rep I talked to said he is doing that and i would get a letter to fill out and sign. Once i returned the letter and they received the same, the 2 accts would be combined. I asked if i had to pay anything on my accts especially the one i was closing and he said no not till Setember since they were combining the accts. Now because of this I have received an over limit fee. I disputed this fee with an email explaing the sam and got this response:
We are writing to you in response to your inquiry regarding your Account ending in *** issued by HSBC Bank Nevada N.A.
We can certainly understand your concern regarding the late fee. We are unable to fulfill your request to remove the late fee from your Account. As disclosed in your Cardmember Agreement and Disclosure Statement, we must receive your payment by the payment due date or a late fee may be assessed.
Please refer to the back of your billing statement for an explanation of how payments are posted. We recommend that you allow 10 to 14 business days for your payment to reach us by mail and up to three business days for processing of online payments.
You can view your Account activity by logging in to your Account online and viewing the Current Status information under Account Overview. While online, you can also sign up for optional text or email alerts that tell you when payments are due. Simply go to the Personal Profile tab and click on Update
You are important to us and we appreciate your business.
I sent them the following email in return:
You're idiots! To told you " I called to cust. and told they to combine my 2 cc account. I asked them if I have to pay this month and he told me NO. He told me to pay cc...**** in Sept. ot the end of this month because I was combine the other one to cc...****
It is not to "back of my billing statement". IS ANYONE ABLE TO UNDERSTAND WHAT I SAID OR WROTE? It is not my fault it is your cust. fault because he told me not to pay ...**** because I was combing that one to****. NOW TAKE THE LATE FEE OFF AND COMBINE MY TWO CC TO ***!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
They then sent this:
Dear Petra ****,
We are writing you regarding your request to consolidate your Accounts ending in **** and ****. After a careful review of your account history, we regret that we are unable to grant your request.
Our credit decision was based solely on information from our credit files. We were unable to approve your request for the following reason(s):
Your account is currently overlimit.
Should you require further assistance, you may contact our Customer Service Department at the phone number located on the back of your credit card.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract): because all or part of an applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.
Orchard Bank Customer Care
I replied with a final letter which i really can't put here due to the language I used. Please help !!! no one at That company understands English apparently.
PALM COAST, Florida