HSBC Card Services Complaint - Bad Credit Practices And Fraud
CA, NV, IL, BC, TN, MD, NY, DE, PA, NJ, FL, AB, MB, COLORADO -- On 1/10/08 I called to cancel a recurring charge on my HSBC credit card from an HSBC life insurance policy. (They are located in California and Nevada in my particular case... seems they have location everywhere except in states where credit practices are tight). The life insurance policy doesn't have me on file (I'm glad I didn't die!). I call HSBC card services (presumably in California), tell them my dilemma and they claim they will stop all future charges as of 1/10/08. I pay off the balance 1/11/08. I think it's resolved..... They said all future charges will not be accepted!
Another charge from the "life insurance" that doesn't know I'm alive on 1/22/08 and again on 2/22/08. I called HSBC card services on 3/10/08 and speak to the same manager. She sees that I called before, and what the problem was and that all charges will be reversed. She says I can disregard all future bills "it is taken care of". She goes through the normal routine when I ask to cancel the card...
I get a confirmation of the cancellation dated 4/11/08 that my card is closed BUT "all recurring charges" is my responsibility to cancel (I thought it was resolved!). I get a bill that says a LATE FEE is charged on this life insurance that doesn't know I'm ALIVE and on charges that were NOT supposed to be accepted on 4/16/08.
I call HSBC card services on 4/28/08, and get a different "manager"... seems the customer service rep doesn't see that I've called before!.... and try to get my balance of $88.76 reversed and RESOLVED.... but instead I get Holly telling me that she can reverse $70.... not $88.76.
I'm trying to close off this card and everything associated but CAN'T. This card wants more money!
I've have filed this card with BBB in Cal (will be on every BBB in every state they are located in), I am contacting every Attorney General in every state they are located in, plus the FTC. If I hear of any other government agency that deals with this sort of issue, I will contact them. HSBC cannot stop itself from charging itself even when it doesn't acknowledge what it is charging!
I will be contacting a lawyer through prepaid legal (never thought I'd really need it, but now I'm glad I have it).
If HSBC card services ever tells you they will STOP ANY CHARGES..... Don't believe them.
P.S. I not only have a date that I called these people but I have time as well. So if any entity wants TIME as well as DATE I have it.