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  • Report: #230427

Complaint Review: Orchard Bank HSBC Card Services

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  • Submitted: Sat, January 13, 2007
  • Updated: Sat, January 13, 2007

  • Reported By:Clearwater Florida
Orchard Bank HSBC Card Services
orchardbank.com Salinas, California U.S.A.

Orchard Bank HSBC Card Services They cancelled a card before 1st payment because i was up set with telemarketing calls calling 3-4 tim,es a day i opted out on phone they continued Salinas California

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I was trying to rebuild my credit. i got a bill from them on 12/23 for the fee which I sent they received on the 1/10/2007 cashed. Unfortunately they began telemarketing me incessantly sometimes 3-4 times a day trying to sell me features to crank up my balance. Credit card insurance etc I said no.

They called again I was not home but called the caller ID number800-446-1022 pressed option 2 to disenroll. Calls contined. They did mention it would take 30 days to stop calls they actualy increased. I called the CSR 503-293-4037 spoke to a young lady (this one i did not write down) and said if the calls were going to continue or increase after I opted out I wpuld cponsider cancelling the card.

I checked my bank statement as my disability check came in (I am disabled) paid 20.00 by electonic check. I called to activate card only to find out card had been cancelled. The calls had stopped also of cpourse they could not charge a closed card. I was not informed nor had I requested tht card be closed.

I called the next mornign Talked to Manny who told me the card had been closed on the 01/05/2007 by my request I asked why since they had paymnet and their was a credit of $1.00 on my account. Mannay said he would request the card beopened but could not guareentee it it would take 10 business days.

I asked for a supervisor Jeremy was his name asked for the card to be reinstated because I hd not requested it be closed. He told me it could not I had to re apply then I asked for my money back was told by Jeremy it would take 3-5 business days to get the other 19 dollars back and I would have to call back to get it. I asked for interest he said he would not argue with me about the interest they would not pay for free use of my money.

i asked him who was the Rep who closed my card Jeremy would not supply the name. (this time I took notes) I sent an email to the Federal Reseve Bank of San Fransico as this company is in Salinas CA. i sent the identical email to the BBB and to the Florida State Attorney General and a copy to Orchard bank who responded with this email: Dear

We understand your concern regarding the account.

Please accept this as confirmation that your account was closed on 01/06/07
per your request.

We have received your request for a credit balance refund. Please allow 10-14
business days to receive the refund check. Keep in mind the envelope and the
check within will reflect the name of HSBC Card Services Inc.

Please be advised that the refund amount could vary if finance charges or fees are assessed to the account before the credit balance refund is processed. In
addition, if there is a cash balance on the account, you may be billed the remaining interest on your next statement.

If you still wish to speak with a representative, please call the number on the back of your credit card and our Customer Service Department will be happy
to assist you.
We hope that you will consider doing business with us again in the future.

Sincerely,

Nagendra
Orchard Bank Customer Care
Now the card was closed a day latter and they want to impose fee's on me avoid these people at all cost.

Antonio
Clearwater, Florida
U.S.A.

This report was posted on Ripoff Report on 01/13/2007 07:42 PM and is a permanent record located here: http://www.ripoffreport.com/r/Orchard-Bank-HSBC-Card-Services/Salinas-California-93912-0084/Orchard-Bank-HSBC-Card-Services-They-cancelled-a-card-before-1st-payment-because-i-was-up-230427. 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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