HSBC Bank USA HSBC Bank USA Is A Very Deceiving, Lying, Disorganized Organization! DEPEW NEW YORK

I applied for a Cash Rewards Mastercard Credit Card over the phone about two (2) months ago and when I had applied for it, I was told that I could Not get it unless I downgraded it (whatever that means).

I did as I was told on a recorded line and when I had received the replacement mastercard, it was Not The One That Was Promised Over The Phone.

I was very much angry over this and contacted them back at several departments to learn how they LIE to customers and turn the story around by Falsely Stating that I did received the Right Credit Card as a Downgrade whereby the credit card that I had received was NOT even the one that I had discussed over the phone when supposedly Downgrading It in order to receive the HSBC Cash Rewards Mastercard that pays 1.5% Cash Back, has No Annual Fee and has No Foreign Transaction Fee.

In Any Case: I filed many complaints about this including ONE with the Better Business Bureau and Moving Right Along, the Customer Relations Department is supposed to look into it and so far, I have Yet To Speak with anybody in that department because they do Not Return Phone Calls, or Emails and Just Remain Silent.

What is Really Strange is that when I received the Wrong Credit Card, I did Not Even Activate It and still have the Original Stickers On It, but somebody from within HSBC Bank USA Illegally Activated My Account even though I have Made It More Than Clear that I want to Keep My Original Premiere Credit Card and Not To Even Use The New (Wrong Card) that was sent to ME!

This company is so Stupid and does Not Care, Nor Listen To Their Customers when I made a Request to Not Accept The Wrong Credit Card!

Because of their purposeful and intentional Error, I have Lost Many Points based on the Difference Between 1% and 1.5% Cash Back had I Received The Correct "HSBC Cash Rewards Mastercard" as Promised on a Recorded Line.

Well Moving Right Along: Through numerous, time consuming conversations, I was eventually told to go ahead and reapply again for the HSBC Cash Rewards Mastercard Credit Card Over The Phone and I did around Thursday, January 10, 2019 and was even given a reference number.

Supposedly, I did everything right because I received an email from Credit Karma just the other day stating that HSBC Bank USA did a reference check through Equifax to see my Credit Score.

I honestly do Not Know if I am going to get the Correct Credit Card or NOT, but this morning being Saturday, January 12, 2019 when I opened up my email, I read some message stating the following:

"Waiting for you to sign Cash Rewards Mastercard Credit Card Application - International Customer", however, when I filed my application over the phone, I was Not Informed about having to sign anything online.

I did go through the email that I had received, however, it sounds like a Joke because they are asking ME for My Visa Expiration Date which has to to with immigration and in Reality, I am an American Citizen with a USA Address and so Why would I need to have a Visa?

I Never had a Visa In My Life and when I contacted one of your HSBC Bank USA phone numbers out of India about this, they stated that all that I need to do was sign the online application, but ONCE again, I can Not sign it without providing a Visa Expiration Date and I just explained that I do Not Need To Have A Visa Expiration Date if I am an American Citizen.

This Whole d**n Thing Is Purely Ridiculous To Put A 10 Year Customer Through All Of This Just To Apply For The Cash Rewards Mastercard Credit Card through HSBC Bank!

I have an Excellent Credit Score of over 800 and this Stupid Company has purposely and deliberately embarrassed, humiliated ME and Wasted Many Hours Of My Valuable Time For Nothing!

I am Not A Happy Customer!

Thank you.

Sincerely yours,

Howard Paul Shore
Angry And Upset HSBC Bank USA Credit Card Customer

/HPS