CL in Pennsylvania says this about HSBC and identity theft: “HSBC nv will not remove a fraudulent account from my credit report. I was the victim of identity theft and a card was opened in my name. I spoke with them on numerous occassions and the application that was signed does not even match my signature. They have refused to help me figure out how this card was obtained and they are trying to ruin my credit.”
Archive for » May, 2007 «
Category: General Issues, Privacy Issues
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GP in New Hampshire says: “I have a mortgage with Household Beneficial. I got behind but then my mother caught me up. However, not only was my mom’s check credited to my account but to another account as well. I did not know of HSBC’s mistake until February, when they said they were going to foreclose on me. Mr. Golden of HSBC Finance Corporation was very abusive. I was able to make one payment and have always been running two payments behind ever since. Now they are sending me letters, but not calling. When I try to call them back no one ever answers my call and they never return my call. I asked that seeing this was their error, not mine, could they bring the account current and we go on from here. Mr. Golden said no, “because I tried to steal money that wasn’t mine”. I told him it was a mistake that I knew nothing about until he contacted me. Furthermore it was their (HSBC’s) mistake. Now I live day to day praying they don’t foreclose.”
MC in North Carolina reports: “I have a Best Buy card that was reported to a credit reporting service as being 30 days past due. I contacted HSBC retail services and was told that my March statement was returned as having an incorrect address. The “supervisor’ I talked to stated that the late fee would be removed and notice would be made to the credit reporting service to remove the account from past due. I later called back 4 times requesting a copy of my March statement talking to 7 different people plus 3 “supervisors” all assuring me that the statement would immediately be faxed to me. The following day after not receiving the statement I called again and after approximately 45 minutes I talked to both a representative and a “supervisor.” The “supervisor” informed me he would fax the statement when he faxes the statement sometime in the next 24-48 hours (after over 72 hours I still haven’t received the Fax). He also informed me that the BestBuy account was in default, reported as such to the “credit reporting agencies” and was closed by HSBC due to my default of $45 (missing statement). This “Supervisor” was totally unprofessional and abusive during this telephone call.”
LL in Ohio had nothing but problems with his HSBC credit card: “I’ve had lots of problems with my HSBC credit card accounts. I’ve had an account for 1 year. I’ve had numerous times when I made a payment by due date and they would post different day as being received making it late. The last time was December 2006, according to agreement with them. If payment is received by due date before 5pm they will post that day. They received payment due on 12/26/2006 on that day I sent express mail so they signed for then posted it on 12/27/2006. I notified them on 12/28/2006 of the problem. On 12/26/2006 they charged me $39 late fee then $39 over-limit fee. Then a few days later another $39 over-limit fee. Since this date I’ve tried to get this problem fixed and they keep adding over-limit fees. I’ve sent all proof they asked for. They received 7 letters, 4 faxes with copies of proof of receipt, 2 from USPS with copies of them signing for payment I sent on 12/26/2006. Seven phone calls (2 for approximately 1 hour each), 3 emails to account central.I’ve sent payment on time and have not used my card since this happened. I was told to fax proof, and I did. I’ve spent over $22 in faxes driving back and forth. All my mail was sent priority with delivery confirmation another $28. I’ve been on the phone approximately 4 hours. This is very frustrating and there is nothing I can do!
Category: General Issues, Payment Issues
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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.”
Category: General Issues, Payment Issues, Rudeness Issues
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