RP in Kansas sent this report: “On May 7th, I had a balance on my HSBC credit card of about $40 and a pending charge for $210. No payment due, never carried a balance over to a following month. My wife was using the card while traveling in Manila, Philippines and had charged the $210 at a hotel. I tried to pay the balance on-line, as I usually do, but it would not allow me to pay the $210 because it was pending. I called HSBC customer service and she said I could pay by ACH check and it would post on the 8th — but there would be a $15 charge. Wanting to clear the balance so my wife would have full use of the card, I agreed. On the 8th, it did not post. I called twice only to get a very agressive sales pitch for one of their products. On the 9th (today), I checked and it had posted. But it had also had a reversing entry for the same amount along with another pending charge(?) and it now shows the balance as -166. I called HSBC, and was told they ‘had the right to put a hold on the check for 15 days’ but this would only be on hold for 5 days. So, I paid $15 for 1 day service only to have a card that had an available balance for my wife to use — turn into a negative balance — card not usable — for 5 days. ’April’ the customer service rep, says there is nothing they can do. Ridiculous.”
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