Complaint / Review
Orchard Bank - HSBC
Miserable, Cheating! Ripoff

I applied for an Orchard Bank MasterCard to help boost my credit! My apparent mistake was sending it to my PO Box.

I have all my mail sent to my PO Box, since I went through mail fraud and ID Theft a year ago! The only problem is that that friggin company can't seem to verify squat. I had to jump through hoops! They had me sending in a picture ID, a letter form the post office, a bank statement. All so they could verify that I use that PO Box.

Then when I called (and talked to some idiot from Pakistan!!!) they told me that they need more information. That they couldn't use the letter from the Post Office, confirming that indeed I use and pay for the use of that PO Box. They informed me that I would need to send them a paystub, W-2, etc. All of which they don't need!

I finally canceled the card and they had the nerve to ask me why! They also wanted me to pay the processing fees, etc! What kind of crap are they pulling? It's hard enough to fight back against credit discrepancies without having to deal with these people too!

DO NOT get a card from them! They will make your life miserable!