Sunshine State
Sarasota,#2Consumer Comment
Sat, February 16, 2008
I also have a credit card through them and got NO WHERE when I tried to get help from them. In addition, there is a website totally dedicated to HSBC. Perhaps the rest of you should go there and read about this before even applying for ANY credit with this company. (((ROR REDACTED))) CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
L.t. Spongebob
Redlands,#3Consumer Comment
Wed, February 13, 2008
I will have to say that it seems that the problems you are having seem to be of your own doing. Being behind in you payments will cause anyone to start calling you. I have had three Orchard Bank cards in the past. I now have one that has no fee and 2% cash back rewards. Its a great card. I have never had trouble paying online; actually I have never sent them a payment through the mail. I was 30 days late with one payment and the calls started coming in, but after I was current the calls stopped, imagine that. Anyway, good luck getting back on track; but don't blame anyone except yourself for this one.
Bcs
Oklahoma City,#4Consumer Comment
Mon, February 11, 2008
First off let me say that I've had nothing but good times with HSBC. They gave me a card when nobody else would. Have you tried requesting a refund of your excess amount? If you log onto the website, there is a section where you can do that. There is a rule I like to follow. Don't ever send an IMPORTANT payment in the mail. I know it was certified, but look what happened. People sure do make mistakes, even Orchard. I only make payments online or through my bank's bill pay system!!! I make a real small test payment to make sure I entered the account number right. When I use my bank's bill pay system, the payment is delivered at Midnight and posts to the account that day. Hope this helps. Even if you don't have internet access at home, use the library. I've yet to run into trouble paying online. (knock on wood)
Anonymous
Anonymous,#5Consumer Comment
Sat, February 09, 2008
This is a bad bank in 07/2005 they approved me for a new car loan. I was allowed to take the car home I had signed all the paper work & the contract, two week's after I got the vehicle hsbc finance told the dealership they where taking back the loan. I was upset & angry I thank god I was not embarassed @ the dealership but thankfully the dealership found a new bank better then hsbc. I do not appericate hsbc treating me like this why did they even approve the loan but thank god I did not lose the vehicle. You cannot trust anyone today.
Josh
Brighton,#6Consumer Comment
Sat, February 09, 2008
The reason you have had such a bad experience with HSBC is stated in the first sentence of your second paragraph: "But, when my payment became 60 days past due ..." HSBC is known to extend credit to people with a poor credit history. I used them myself to recover from some poor judgment on my part fresh out of high school. While you may be an exception to the rule, many people who go 60 days past due never end up paying their bills and many of those people file for bankruptcy. HSBC extended credit on your behalf and you failed to live up to your end of the contract. I have an Orchard Bank MasterCard and Visa. Both have APR's on the higher side and both have annual fees, but I have used them responsibly for the past few years, always paid my bill on-time, kept my balance under 50% of the total credit extended, etc and now I have a decent credit score and low APR cards from big named banks. You get out of HSBC what you put in.