Unable to connect customer service through my mobile, even through i gave my credit card number correctly.

No I'm not receiving scam/spam mails. This is a real statement from HSBC bank except that it is not mine. I have no accounts/cards or any relationship with this bank.

I have got tired of writing to the bank every month (more than a year now) not to send me the statements and I found this site and writing here hoping that this bank takes its customers data confidentiality seriously and does something about it. People...Chances are that your statement may be going to someone else if you are a HSBC bank customer in India...

The mail looks like this -

=====================================================
[email protected]
to email@removed

dateSat, Jul 19, 2008 at 3:52 AM
subjectYour HSBC Credit Card statement

Dear HSBC credit cardholder

We are happy to offer you the facility of receiving Credit Card Statement on E-mail. It comes to you in an easy to view and store PDF format!

Now, you can access your statement on your computer from anywhere in the world. This is something you cannot do with your printed statements.

Password protection
Your statement on E-mail is secured by a unique password assigned to you for increased safety and personal access.

Your password will be a unique combination of the last 4 digits of the Primary card number followed by the first 4 letters of your name as it appears on your credit card followed by your date and month of birth (in DDMM format).

For example:
Eg 1: If the credit card number for Sumit Sharma is 5120 0000 0000 4200 and his birth date is 01 January 1970, the password will be '4200sumi0101'.

Eg2: If the card number for S S Sharma is 5120 0000 0000 4201 and his birth date is 22 January 1973, the password would be 4201sssh2201 [the spaces would not be considered]

Eg3:If the card number for Ram is 5120 0000 0000 4202 and his birth date is 15February1972, the password would be 4202Ram15029 [in case of name sizes of less than 4 letters, the digit 9 is (are) appended to the end of the password constructed to complete 12 digits of the password]

To open this secure encrypted file, all you need is Adobe Acrobat Reader version 6.0 or above. If you do not have these versions, please click this link www.adobe.com/products/acrobat/readstep2.html to download the free version.

Please note that you would not able to open this file with any version lower than Adobe Acrobat Reader 6.0

Important Information:

Please click here to know terms and conditions applicable to statement on email

For information on charges applicable on your HSBC Credit Card and other important details, please open this attachment.

You will not be able to 'Reply' to this email. For queries, unsubscribe and instructions on your Credit Card account email us at [email protected]

"This e-mail is confidential and may also be privileged. If you are not the intended recipient, please notify us immediately; you should not copy or use it for any purpose, nor disclose its contents to any other person"


2 attachments — Download all attachments
973020080719024512.pdf
180K View as HTML Download
Most Important Terms and Conditions.pdf
43K View as HTML Download
=====================================================

I recently responded to a balance transfer offer from HSBC. Since carrying a balance on another card and the rate being higher than their offer, I took their offer. After receiving their credit card and they established my online account I waited for the transfer to go through. After waiting 3 weeks I contacted customer service. I was told their system was down but if the transfer is not in the "pending" section online, it didn't go through. So, I resubmitted the request. The next day that request posted. GUESS WHAT, the first request posts the day after that! Not only did this push me over the available credit given to me, they charged me $35.00 for going over. And the other account wants to charge me $25.00 to cut a check of the overpayment that was made.
The bottom line... This bank will do whatever it can in their interests and not yours. They will charge you for everything and not reverse charges. They have people answering emails that don't know what they're doing .
STAY FAR FROM THIS COMPANY.

K/Attn: Mr. Adil Rizvi. HSBC UAE

I understand you are Division Incharge of HSBC Credit Cards in Sharjah. Also That Mr. Zaid & Mr. Rawad/Raed are in your Team of Credit cards.

I opened My account thru Mr. Ziad. After the Signatures were taken the whole dissappearance & ignoring act started.

I have been facing basic feedback or response difficulties from both of them regarding My account & Creditr cards such as:
• I have been chasing them for my account number for days together
• My billing cycle, Due date info
• Transfers
• Some Cards not received
• Some Pin codes received but corresponding cards not received
• Am unaware how to proceed, pay, clear dues etc….
• Complains are ignored totally

All This is Basic info & Feedback which I shud get as an account holder when I open my account or apply a credit card.

Rather than receiving basic information from your Team Members from their side, I Have been frantically chasing them & all I get to hear is excuses such as:
• Am in a meeting
• Am Busy
• Will call u in 15 mins which never end
• Suddenly calls are not responded & totally ignored
• Hear “ Stay in your office, will give you a visit today” & then no calls to followup if they cant make it.
• Sometimes, “I don’t answer calls after 5pm” (ok if u hv a working hour & non working hour segregatn, but when u don’t answer back, respond, reply calls in working hours then whats the idea about pre & post 5pm)
• Even sms & voice messages on voice mails remain unanswered or ignored
• Empty talks

What sense does it make for me to get Chase your guys several times day & for days together to get my basic info regarding account & credit card? Does it take 45 days????? Who will be responsible for the resulting delays, penalties, loss??? Surely it shud be you guys who are responsible!


If there is any problem, they shud be clear & revert.
This is highly unprofessional make shift fly by night workshop kind of response or escapism or false promises.
I know, HSBC has too many clients, but with this irresponsible way your team exhibits, HSBC client base will erode, erode slowly but surely bcs word of mouth talk based on such pedestrian service will affect existing & future clientle and Client will look for other options with better basic service
I hope they (&your sales team) value Clients time & understand the impact of empty assurances or convenient escapism.

I don’t intend to complain against them as I understand the pressure faced in Dubai & the stress & realise what targets mean.
I wish that they are just explained the value of response & assurances so that they can be effective in their approach to old clients who have been roughed up in ways similar to mine or in their own ways & so that your future clients also appreciate the Brand HSBC which your team carries with it in terms of service.

Yes, but I seriously wud look for some basic response & feedback which is a must for every account holder & credit card holder. Kindly do drill some sense of Basic responsibility about Clients time & Basic feedback essentialness & necessity once Any account is opened to your sales team.

I hope to have some response from you & see the effective walk the tal kor lets see whether your team members have picked up all these traits from you!!!

Thanks
Gautam

I bought some stuff at CasualMaleXL. Great store. They offered me a discount by entering the purchase on a "Casual Male XL Credit card." I took it and within a week got a credit card in the mail that says CASUAL MALE XL on the front. On the back it says clearly "www.casualmalXL.com." On the paper it was attached to it says to call 1-800-218-5563 to activate the account or for customer assistance. That phone answers as "Casual Male XL" and directs me to the same “www.casualmaleXL.com” website. I go there and set up an account, entering all my personal information, takes several minutes. But when I check to see my statement of account, THERE'S NOTHING THERE! The only reference to credit cards is "add credit card, " which is for Visa, Mastercard, etc. - in other words, set up a completely new form of payment with them.


I call Casual Male and am told that the credit card I got has "NOTHING TO DO WITH CASUAL MALE. IT'S COMPLETELY SEPARATE. THAT'S HSBC. THEIR ACCOUNTS ARE COMPLETELY SEPARATE FROM CASUAL MALE."


Note, they’re talking about the credit card that has CASUAL MALE all over it and their website, and NO reference to HSBC. No HSBC logo at the bottom right, nothing. Well, on very careful inspection, at the top left on the back side there’s tiny white print that says “HRS1012 (09/05).”


I call the original 800 number again and wade through the menu, entering my card number and the last four of my SSN, and finally I get to speak to a human being. I’m told that to see my statement, I have to go to HSBC’s web page, www.hrsaccount.com, NOT Casual Male. So I go there and, again, put in the account number from the card and my zip code, and then I’m told that I have to SET UP AN ACCOUNT. They already have an account for me, I entered the account number - but I have to set up an account! So I enter all my personal information, name address age sexual preference birthmarks SSN etc etc and when I click submit I’m told that my login already exists. This is a very unusual login that I use for all my accounts, so I call up HSBC again on the phone.


I wade through the menu again and finally get to speak to a human, who asks me if I have another HSBC account. I remember that I had one for Best Buy, one of the most horrid credit experiences I’ve ever had. He says that account is blocking me from entering my username login and that I have to create an entirely new account. I ask him why the old account hasn’t been deleted, as I paid if off years ago and said “close it.” He won’t answer that. He just keeps telling me that I have to reenter a new account. I keep telling him to answer my question, and he won’t. He infers that I don’t understand him.


I hang up and check my old records for the old login to my old Best Buy account and try that out. It no longer works. I remember that one of the problems with that account was that I had to keep changing the user name and password because they would never work.


I call HSBC again and go through the routine with another person, getting more and more upset, and she puts me on hold to talk to a supervisor. I wait over 20 minutes and when someone picks up, it’s not a supervisor. I tell him how I’ve been waiting and he puts me on hold and I only have to wait another 5 minutes to talk to a supervisor. She tries to explain things to me like I’m an idiot. She says it’s impossible for them to do business any other way. How could I possibly direct my payment to the right store, if they didn’t ave completely separate accounts for each store? I ask her how other credit card companies do it. Can you imagine having to have a completely different account for every different store where you used your credit card?


She explains to me, like I’m a four-year old, that this “is not a credit card - it’s a merchant account retail card.”


I tell her they should be out of business if this is what they call customer service. It would take about an hour to set up a system where I could log in to HSBC with one login and then choose what store I wanted to pay off, if that’s what they need. I tell her I am going to pay off the balance, and I want all trace of me erased from HSBC’s records forever, all accounts closed.


She says she can close my Casual Male Account. I ask, don’t I also have an inactive account? I want that closed too. She says “We have you ON FILE, ” but I can close the active account.” I say, “What about the inactive account? I want that closed too. And all the merchant and affiliate and non-merchant privacy agreement stuff, all that cancelled. I want NOTHING more to do with HSBC.” She says the inactive account will be closed too. Aha, I say, you DO know about the inactive account.” “I’m sorry if you misunderstood me, ” she says. “I didn’t misunderstand you, ” I say. “You’re just not talking straight to me. You knew I had an inactive account, but when I asked you if I had one, instead of saying ‘Yes, ’ we’ll close that for you too, ’ you said, ‘We have you ON FILE’ and started talking about the active file again What is wrong with you people? Why can’t you talk straight?”


She wants my address so she can send me a notification of closure. I give it to her and she says she’ll get me back to someone who will take my payment. She puts me on hold and after about 5 minutes I get someone. She takes my info and I make sure to tell her again that I want to OPT OUT of all the privacy agreement stuff, and briefly I tell her that I’ve been with HSBC for about an hour already and just want to pay it off and then have nothing more to do with the company, and she’s all customer-service nice, sorry you’ve have a bad experience, thank you for your feedback, and finally she asks for my payment info and I give her my Master Card number.


“SORRY, ” she says. “WE ONLY TAKE CHECKS.”


So I dig out my checkbook and give her the routing number and account number and a check number. And then she says “THERE WILL BE A $15 CHARGE ADDED TO YOUR BILL FOR TAKING PAYMENT OVER THE PHONE.”


I explode. “NO WAY!” etc. She puts me on hold and checks with her supervisor and returns to tell me that she CAN’T take the $15 charge off, but she has approval to recredit it after the payment comes in. In about two days. I get her name (Brandi) and Rep number (B7T.)


I’m waiting for a statement of account. If the past is any prologue, the charge will still be there, along with a lot of other crap.


The next time anyone asks you to enroll in a "credid card, " ask them if it’s HSBC. It so, say NO THANK YOU. It’s not worth it. HSBC sucks, bigtime. Nothing but profit leeches. They should go out of business, the sooner the better.