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HSBC North America Complaint - Lies, and horrible customer service - Best Buy, MasterCard
Best Buy, MasterCard - Complaint
I am extremely frustrated, and at this point angry, with the way I'm being treated by HSBC in regards to my application for the Best Buy card.
In August of 2010 I applied for the Best Buy card online and was declined, however I was approved for the MasterCard, which I did not want, and which I did not accept. I have a steady, long-term job, and a credit score of 818 so I called to find out why I was declined and they said they'd send me a letter.
I waited about two months, and called a second time because I never received the letter. This time they said, "Oh good news! There's been a mistake, if you reapply you're sure to get approved!"
November 11, 2010, I reapply and again I'm declined for the Best Buy card, but approved for the Master Card. Again, I don't want the MasterCard, and again I don't accept the MasterCard. I call back for the third time, and again they promise I'll receive a letter within 30 days.
Two months go by, and I call for the fourth time to ask where's my letter and I'm told again that there's been a mistake and to reapply. I don't think so! I told them I don't want to reapply a third time, I want the reason of why I was declined. So I'm promised for the third time that I will receive a letter within 30 days.
So, I called them yet again yesterday, February 22, 2011. I received the same song and dance again, and they promised me they'd send me the letter of why I was declined.
Well, at this point I don't even want the card anymore, and I'm ready to stop shopping at Best Buy on top of it I'm so annoyed. If all this wasn't bad enough, my mother called me to inform me that HSBC has sent a MasterCard in my name to her address. She lives in a completely different state then me! How does this happen? The didn't even put my full name on the card! I would never apply for a card without my full name, not to mention my mother's address.
I will never, ever do any business with HSBC after this experience.
In August of 2010 I applied for the Best Buy card online and was declined, however I was approved for the MasterCard, which I did not want, and which I did not accept. I have a steady, long-term job, and a credit score of 818 so I called to find out why I was declined and they said they'd send me a letter.
I waited about two months, and called a second time because I never received the letter. This time they said, "Oh good news! There's been a mistake, if you reapply you're sure to get approved!"
November 11, 2010, I reapply and again I'm declined for the Best Buy card, but approved for the Master Card. Again, I don't want the MasterCard, and again I don't accept the MasterCard. I call back for the third time, and again they promise I'll receive a letter within 30 days.
Two months go by, and I call for the fourth time to ask where's my letter and I'm told again that there's been a mistake and to reapply. I don't think so! I told them I don't want to reapply a third time, I want the reason of why I was declined. So I'm promised for the third time that I will receive a letter within 30 days.
So, I called them yet again yesterday, February 22, 2011. I received the same song and dance again, and they promised me they'd send me the letter of why I was declined.
Well, at this point I don't even want the card anymore, and I'm ready to stop shopping at Best Buy on top of it I'm so annoyed. If all this wasn't bad enough, my mother called me to inform me that HSBC has sent a MasterCard in my name to her address. She lives in a completely different state then me! How does this happen? The didn't even put my full name on the card! I would never apply for a card without my full name, not to mention my mother's address.
I will never, ever do any business with HSBC after this experience.
Comments:
Posted by Christine in NY on 2011-07-20:
I am going through a very similar situation. My husband applied for the best buy card and got declined but was approved for a rewards card (MC) we didn't want it. It came in the mail and we NEVER activated it, in fact we shredded it. I called and supposedly got it all straightened out and cancelled. Well now we are getting Bills that say we have late payments????? on the annual fee! I have called twice now and the last time I said "look! we don't want the card it was never activated stop trying to ask me why we don't want it!" close the account and Fix the late fees and all fees for that matter and TAKE THE NEGATIVE MARK OFF MY HUSBANDS CREDIT REPORT!" She said she did it and I would be receivng a letter....We'll see. I have a feeling this crap is going to lead to a class action law suit with these people. geez it's so frustrating!!!
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