I did not want to do this but HSBC has given me no choice but to air my complaint against them since they see fit not to call me as I requested on-line.
I have been a card holder for a couple of months. I made payments before the due dates and never been late, never over the credit line. This month on Friday, December 15th I decided to pay the balance in full of $272.66.
Everything seemed to be fine. I checked my bank on-line and say the payment hit the pending debits section on the 18th. The 19th it was paid and recorded with both HBSC and my bank. I called on the 20th and got nothing but "lip service" from some foreign woman and about it is according to the agreement. I logged inquiries on-line and got an email back about it will be released in up to 14 days. I made two payment on-line last month and there were no holds put on this account then. Why now? Nobody can give me a valid reason why.
I bet they won't let me charge them interest for the use of my money like they charge me. I cannot get a human to respond on the phone to give me a valid legitiment explanation to why there is a hold on my account after they admitted and have recorded my payment as received and credited to my account.
I know that if they wanted to, they could release that hold with me on the phone. It is a crock if they deny it. I feel as if I am being held hostage to the tune of $272.66.
If I get no response and the hold is not released by end-of-business on Friday, December 22nd I will highly consider cutting up the card and closing the account. Of course they could probably care less.
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