HSBC Discover Credit Card Complaint - Fraudulent and Unethical Business Practices
I just got off the phone with HSBC Discover - they did it again - I put in my right bank account number just like last month. However, since they require 36-48 hours prior to having the payment post this month I put in an additional $15 to immediately process since the payment was due two days later. The payment was "returned by the bank 4 days later" per the HSBC representative for a wrong account number. When I look at the statement they just released it was returned the same day - two statements completely in opposition of each other. Then, in addition they added an NSF fee, a late fee which together with the payment they returned put my account overlimit so let's add another $39. They added $105 extra to my account. Last month I paid their fees because I thought, well maybe I made a mistake in inputting my checking account. This month I know that I did not make a mistake with the input and it is HSBC's way of racking up fees. I went on their website and they state that they will change the account number if they verify with the bank that it is not the right number. I went to the screen where I had input my information and they have changed it, again. I changed the bank account completely to make sure they do not automatically do this again.
So the bottom line-the wrong number attached to the supposed NSF check is the account number that their third party changed on my payment, starting the whole thing. There are people with the same name in my area, two at my same bank I use for my payments. Something really stinks at HSBC, this is a clear violation of banking rules and of credit laws, they fraudulently change the information at their will and then refuse payments in order to make money racking up fees - they need to be fully investigated and we the people need to file a class action suit. Anyone interested.