Let me start by saying I have a monthly charge from a company called MainStreetSavings Bank which I have automatically billed to this credit card. Last month my husband called them and had them transfer the charge to another credit card.
That being said, I got my bill from HSBC for my credit card which I had no charges except for a $39.00 yearly service charge which I was not aware we were supposed to pay. So I spoke with my husband and we decided to cancel that card.
I picked up the phone called HSBC spoke with a genteleman that asked me was there anyway he could keep me from cancelling and I explained that I do not need a credit card with a yearly charge so no there was not. I asked him for a confirmation number for cancelling and he said they would SEND ME A LETTER within the next two weeks stating that my account was closed and that was all I needed to do. (they seem to be outsourcing their calls to people who do not understand ENGLISH so beware!)
So much to my surprise today I received a bill from HSBC with not only the $39.00 yearly fee BUT also a $30.00 late fee for not paying last months bill (which I already cancelled). Hmmmm... There was also a fee from MainStreet Savings which we had sent to another card on our bill~ my husband found out today that from member services MainStreet Savings that HSBC would not allow these charges to be moved to another card because they were linked together, which they conveniently forgot to tell us.
Regardless, I called HSBC and for them not cancelling my card last month when I ASKED them to... NOW, not only was I paying $39.00 for a yearly fee $30.00 for a late fee and now they piled on top of that $12.00 for me to pay a check to them over the phone. All for doing absolutely nothing... When I told the lady THIS time because I didn't believe her when she said she was cancelling my account I wanted an email confirmation number BEFORE I got off the phone with her, she said she would transfer me over to Internet help desk for their company.
HA HA HA... I was transfered, explained the situation and the gentleman on the other end said "we only help with logging on and off problems ~not sending confirmations" Blood boiling, I called BACK and listened to the whole automated message AGAIN and asked for the original lady I had just spoken with that had brushed me off, the gentleman said they were global and outsourced so there was no way he could get me back to the same lady. Very friendly man but still told me they would send me a letter in the mail saying my account was closed.
At this point, I was so frustrated I put my husband on the phone and this guy told my husband if he logged on we would see the account had been closed. So, we did~ and it did not say that, he again said OH, it will take two days... So that's where we are and maybe in two days it will finally be closed with me giving them $71.00 for nothing... Or maybe next month I will just be charged another $30.00 late fee... Regardless I am not holding my breath for this company!!!
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