IH in Texas says: “My experience with HSBC has been horrific. First, I fill out their online application. Then, they send the card. I activate it. I try to use it at a store. It gets declined - I’m humiliated. I call and am told it is on a “security hold” because they want me to produce several pieces of “proof” that I am who I am. The specific documents they require are impossible for me to produce, as those bills are not in my name. I can produce plenty of documentation proving who I am; however, they’ll only accept what they want. I’m all for security, but this is ridiculous.
I called today to just have my account cancelled. They told me I CANNOT CLOSE MY ACCOUNT UNTIL I PRODUCE THE DOCUMENTS. I informed them that they are holding my credit hostage and they just don’t care. I cannot understand how they can do this legally. I was never told there was a requirement to produce anything in particular. They never disclosed that. Had I known, I would not have applied. I sent them a number of documents to prove my identity, but they wouldn’t accept them.”
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