HSBC Card Services - Orchard Bank Account opened then closed within 2 minutes, charged $89.00 in late fees. Ripoff! Salinas California

On Nov 19th received an Orchard Bank Mastercard, so I called to activate it at 11:00 PM that night. Told by Kasheema I needed bank check routing numbers for $15.00 fee. I told Kasheema I didn't have any checks, as my wife worked late and had the check book. Told by Kasheema if they didn't have the $15.00 by midnight there would be a $30.00 late fee. I told her to not activate this card as it was an obvious rip off, and she said "Too Late!".

I told her to close the account and she said she would.
Called the 1-800 number on the 21st to be sure I had no account, and I already owed $45.00. I called back and got Kasheema again, and said I would file a lawsuit. She said no problem, she would close the account and I would have Zero balance.

On Dec 2nd I received an $89.00 bill for fees and late charge assesments for an account that was open for a total of 2 minutes.

Robert
Destin, Florida
U.S.A.