Report: #277520

Complaint Review: HSBC Orchard Bank And Account Secure Plus

  • Submitted: Sat, October 06, 2007
  • Updated: Sun, October 17, 2010
  • Reported By: cave creek Arizona
  • HSBC Orchard Bank And Account Secure Plus
    P.o. Box 60102
    City Of Industry, California

Show customers why they should trust your business over your competitors...

I have a cardit card with this company and when i signed up they ensured that i should sign up for, "Account Secure Plus". Its about $7 a month, and whatever happens like unemployment, divorce, hospitalization, personal milestone, and etc.. So i can activate anytime untimely things can happen. Easier said than done. After paying for the services, i relized i could of saved over $160 not paying for it. It is ridiculous, they want verification that i am in fact unemployed. My word and payments for the services aren't good enough? Thats was Orchard bank through the e-mail.
Well i called the Account Secure Plus, to activate my account, because they said it was all easy and i am talking to someone in INDIA. Ok..., then this person that barely speaks clean english is asking me a series of questions to verify who i am. We go through my whole personal information to verify it was me. I was scratching my head while this was going on. After about 20 minutes of trying to understand this person on the other line and answering the questions, i was told that they have send out forms that i need to fill out to verify i am unemployed. Well i was a little upset about that, so i asked this person from India that now knows all of my personal information that i never gave permission to outsource my personal information to tell me about the reason for the payments if i have to go through this trouble to verify i am unemployed and have to waste more time.
Straight to the point. In the "AccountSecure Addendum" that has the disclosure statement only states the obvious as far as how they go about its program. NO WHERE does it state anywhere, that i would be talking to someone that is from INDIA using a 800 number. I never gave permission, nor that is what i signed to. I wouldn't have signed up with the Secure Plus thing if i knew that. I DO NOT want them to have my information, i don't know about you guys, but what the heck is going on??
The other point is this, I am now in debt with this company. Want to hear something funny? I don't know how, and how they let it go for so long, but its funny, they were deducting payments from my orchard bank credit card. I cannot believe that is legal? It seems like this company is wanting money, so they outsource their jobs to people in INDIA, well thats unfair to the consumers in America that you never disclosed the information to.
I look back to my agreement and policy with Orchard bank and consistently says, "HSBC Bank Nevada, N.A.".

So how is this for ya tell me how this is right, and how they can get away with this, ready? All titled as send to: HSBC CARD SERVICES.
Credit card payments: P.O. Box 60102, City of Industry, CA, 91716-0102.
Mail Inquiries to: P.O. Box 80084, Salinas, CA, 93912-0084.
Plan Administrator: P.O. Box 5583, Binghamton, NY, 13902-9996.
AccountSecure: 200 Somerset Corporate Blvd., suite 100, P.O. Box 6989, Bridgewater, NJ, 08807.
AccountSecure: P.O. Box 19360, Portland, OR, 97280-0360.

Are you confused? Here i display all these mailing adresses to show you, that they all disclosed sending information NATIONALLY. Then why am i talking to someone 7K miles overseas in INDIA, that now knows who i am, my social security #, home address, my credit history. I don't want them to know that, talk about ID THEFT!
P.S. My account limit has risen and so did my rate to 29.9%, and the reason for the increase on my credit card, because this mishap of the cylcing payments with the same card, so they up it to compensate the payment and then be charged with fees.
No one wants to help me, help us. We are all victims here and our government doesn't care. You know why, because this website exist and our complaints and problems exist, but nothing is yet being done about it. So lets bump up our interest rate so we can fuel more to our war. I mean where else is it going too? I never signed up for this, this is absolutely shadiest program i have ever seen done on American Soil and getting away with it, especially out sourcing our potential jobs.

cave creek, Arizona

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This report was posted on Ripoff Report on 10/06/2007 09:33 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Some are not over it and think about those that suffer the same as we did...

AUTHOR: Bman - (United States of America)

I still think that this post may help future people with similar issues, the reason why I still get online and communicate, the reason for this site. I do see that you grasp the problem and I agree that one must get out of this merry-go-round that the American poor are forced into since our salaries do not go up, as does inflation. Credit cards have happy people on the advertising campaigns that sicken me making what they do seem harmless, when in fact they are predators that offer a way to pay when we do not have enough money to get by (for a possible emergency). Then when we go over the credit limit then they push us to the brink of poverty. And for this privilege we must pay dearly, often for many years. As for the unfortunate time frame, I only had seen this report recently and went through my ordeal in 2009 and still am paying the loans down. As for the crassness of the one commentary, well crassness returned is not the way to handle this since it accomplishes nothing substantive for you or for the reader. If you do not care about the reader then why make your complaint a RIPOFF document twice? I again ask you to please consider writing the following government agency about your experience since it may do some good for the American public:

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#2 Author of original report

From being posted for some time, now it is important?

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

I thank Kim in regards of competence at its best! Unlike other people that wanted to stick their "two cents" are the typical people that b***h and complain about everything, but do nothing about it. A lot of people tend to forget WHAT this country is all about, it is for the people! Not businesses, not goverment, not profit sharing, not stock market, for US the people. Businesses make money from who? Answer is, PEOPLE. Without people, there is no business. It is almost a rhtorical statement, but truth beside it is reality! This company right here, is it right for them to continue doing their business practices, meanwhile cutting corners everywhere just so they can make more in their salary from the year before? The problem i keep experiencing, is the lack of follow throughs with consumers to unethical businesses! This is an unethical business, why would you base a company in the US, but supply jobs to people that don't live in the US? Not to mention, have never been to the states, only read and watch movies about our country. If you believe and trust our government and believe that they are doin right, then i feel very sorry for you. You are in for one big disappointment. For all you skeptics, hypocrites, and incompetent people, this is not merely my opinion, nor my feelings on the matter, IT IS THE d**n FACT! "History repeats itself", it is really not an expression, to all that tend to think that; that is the first problem to address to move on.

This site is about companies based in the US ripping us, AMERICAN CITIZENS off from unfair business practices and unethical deployment by misrepresnting marketing campaigns to falsely make a gain from no support. Aka, if you promote your company how the most outstanding customer service and 100% satisfaction or your money back, or my favorite one; FREE! Companies that express themselves something they are not, should not only be gone, but should lose all their profits that they STOLE from their customers! How can you get something for free, if you are still paying for it? How can you trust a company that tells you whatever you want to hear to make you feel better, but then do nothing about it? All this applies to my issues with this company as well as other companies that have followed right in their footsteeps.

Since this has been a few years ago, i have been over with it, but apparently some people are not, and some are dealing with the same BS as i did. All in all, this company shouldn't exist! Seriously, why support a company that doesn't support its own country let alone their own customers? What i am getting at, is outsourcing these jobs. We have expressed this, and most of it is put to blame on why our economy sucks, is the fact the that unemployeement rates are higher than usual. The reason, and the REAL REASON behind it is becuase of the jobs that were suppose to be here are now outsourced to a different country that has no clue or respect for our country. Honestly, any american that still continues to do business with companies that outsourced our jobs and refuse to help out our own country, are hypocrites! Yes, most of you people are hypocrites.

Oh and Duane from Monroe, YES i know i am a better person than others, i am obviously a better person than you!  Know why, your rebuttal had nothing to do with my complaint, you had nothing better to do but chastise people because of misfortunates. The real question that needs to be answered by you, have you ever had any relations with HBSC? If the answer is no, then DUANE, who is the jackass here? Thats my point and i am sticking it to all you dumbasses!

(If you are offensed by my last comment, then sit there and ask yourself, "am i dumbass?" and if you answer no, then obviously that comment was not meant for you, but if you had to actually go through these motions i just wrote, you are more than a dumbass, you are a moron!)

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#3 Consumer Comment

Please Consider Doing This...

AUTHOR: Bman - (United States of America)

It seems that Paul you do not have any faith in government, and I am not going to debate your position. I would ask you to please consider two things. #1: Get out of the credit card habit. Without your money, and the money of the rest of the people complaining on this site, they then would be forced to a more reasonable product. Find a small bank or better yet a credit union with a solid reputation. In a credit union you are part owner in the service company and this can lead to saving in products like loans. Beware though; credit unions may attach credit cards that are connected to big banks with all their fee crazy schemes and their raising interest or lowering your credit limit without notice. Like one credit union I have experience with is connected to FIA CREDIT SERVICES an outgrowth of Bank of America. I personally am working hard to get out of the credit card habit and have been closing cards as soon as possible. Since I have done this I have been able to save again. #2: I would stop the bigotry and prejudice when addressing a public forum like this. Arizona seems to have some issues concerning people of color living and working in our country, and without them the economy would experience a second financial shock. India is a problem that I have experienced with PAY PAL, CHASE, and many companies, and if this is the main point then outsourcing needs a different report. What I think is your real issue is HORRIBLE (or NO) customer service, their raising your interest rate, possibly lowering your credit limit, and the OUTRAGEOUS fees that we must accept to stay connected to this "service." Then when centered I would suggest contacting this government agency with a well thought out and unemotional report clearly focusing on central issues:

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#4 Consumer Comment

I must agree with Paul

AUTHOR: Kimberly Paris - (United States of America)

I must agree with Paul.  Regardless of the fact that it is obvious Paul is upset and voicing a lot of opinion that could be offensive if one chooses to take offence, I too have the Account Secure Plus with HSBC; because of this report I will be cancelling the product. 

The contracted agreement, according to this report, is not being met.  The contract IS being violated.  The Account Secure Plus is represented by the company that for any reason, foreseen or unforeseen, the product, or insurance as I viewed it, was to cover monthly payments to protect your credit.  This is not a cheap insurance.  There is nothing in the contract as represented or in writing that indicated you would need to provide "proof" of your financial situation. If one of my children needed financial help and I chose to have Account Secure Plus cover my monthly payments for a month or two that is my business and that is why I pay for the product.  I am concerned that Paul was required to give information regarding unemployment.  Being unemployed should not affect your credit rating and/or your credit score. This insurance is represented by the company to protect your good credit standing.  If you are not missing payments, which is what the insurance is purchased for, your credit report and scores should not be affected.  If you are not missing payments because you paid for such insurance to protect your credit in the event something foreseen or unforeseen should happen, your rate should NOT increase to, OMG 29.9%. 

Further, I again must agree with Paul, I do not want my personal information -- ANY OF IT -- shared with other countries.  How scary is that.  Identity theft, fraud, etc. is real and I find it unnerving that Paul received responses with "you are sadly mistaken" in them.  HSBC is a big corporation and one I thought I could trust.  I find Paul's concerns to be valid regardless of how anesthetized some people are choosing to be with regard to our country and its problems.  Right back at all of you -- WAKE UP and DO SOMETHING. 

On a personal level, I would not like anyone knowing that I was unemployed.  It is nobody's business but mine and my family.  This is a clear violation of your privacy and should NOT be shared with other countries, creditors, and/or companies.  It is my right to divulge this information, or not, not a credit card company's right. 

As far as the outsourcing of this information, I think my previous statements regarding my right to privacy and the sharing of my personal information speaks to this issue.  Again, I must agree with Paul, there is a real problem here.

Thank you, Paul, for your very long report!


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#5 Consumer Comment


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

....paul seems to think he is a better person than others.

Janelle was trying to offer you some sound advice, and all you can do is let loose a stream of personal attacks - which makes no sense at all seeing as how yo do not know HER, nor HER sexual preference.

Do you think HSBC is the only company that outsources some of their work? If you do, you are sadly mistaken.

HSBC does not have to get your approval on who they have working for them. And whether or not the person is sitting in the United States or sitting in India, the person is working in a capacity for HSBC.

Do you not think that some person using Account Secure Plus has not called them up and told them that they were unemployed just to get the benefits?

Of course they have to verify that your unemployed. And if you are unemployed, it would be verifiable. So what is your problem with this? It wouldn't be any different than you going to your local unemployment office and telling them you are unemployed......THEY WILL CHECK.
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#6 Author of original report

I have a problem of reading...

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

You didn't read my compliant did you? You probably only looked at certain aspects of my writing, because it was long. I know i wrote it, intentionally made it long, because thats how i felt about it and still do. You told me that i should read before i sign, if you read it, you would notice, I READ THE AGREEMENT and noticed THAT THEY ARE DOING SOMETHING I DIDN'T AGREE TOO. Is that clear enough for you? Get your head out of your butt, hmmm...unless you WORK FOR THEM! You scandlist f****t! Yeah, i have a right as a consumer to voice my self and get satisfaction from a company that doesn't follow the binding contract i signed for the service. I still have the papers you smuck! Chastize me being an idiot, i don't take that so weel when the other person cannot evern read to understand what the TRUE PROBLEM is!
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#7 UPDATE EX-employee responds

vigilance is key

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

I have worked so far for 3 different credit cart companies, two of which are widely complained about on this site, Premier Bankcard and HSBC. I am on both sides of the fence when it comes to these companies. I would never have one of their cards. I'd rather go without, which I do because I don't have good credit. On the other hand these companies get knocked so much for their fees and interest rates. Companies make all of this information available prior to applying for the card. I get sub-prime offers all the time. The fees, possible interest(usually gives the range of what's possible), and some even say the garaunteed minimum credit line I could get approved for. These companies most often get away with what consumers allow. The fees and interest are most likely outrageous, but credit cards are not something that just all of the sudden happen to you, the consumer has to apply. Always be vigilant and read everything, be responsible for your own financial well being. As far as the companies posting payments late on purpose, that's just not likely. Most of that is all automated down to processing check and money order payments. It's most likely a system glitch. If the companies just took the word of everyone it would be impossible to have a consequence for late payment, you could just call in and say "hey! I mailed that in plenty of time!" I realize it's irritating to have to provide proof the money was deducted, but mistakes happen, it's like the shirt that's supposed to be on sale for $19.99 ringing up for $30, you have to correct the cashier with proof. Always keep your eyes peeled, when it comes to credit cards, some make it plain as day, others keep it in the fine print, but they all make it available to you.
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