Harassing phone calls from 800-684-8429, HSBC Bank, aka Orchard Bank
Have you been receiving debt collection phone calls and messages from 800-684-8429? If so, you are not alone. A UCAN member recently filed a complaint regarding incessant phone calls and messages she had received about someone else's debt from the number 800-684-8429. The calls appear to be made on behalf of HSBC Bank, or Orchard Bank, a banking and credit provider. Under the Fair Debt Collection Practices Act, debt collectors must honor any request to cease telephone communication and contact you only in writing.
- Tell HSBC to quit calling you and Stop Debt Collection Harassment using our sample letter.
- If HSBC is calling you about a debt that you do not owe, send them a Collection Agency Debt Dispute letter.
They call me and ask for
They call me and ask for someone else. I have never heard of this bank or these people. I have had my cell number for over two years.
I have gotten 3 calls today
I have gotten 3 calls today (SUNDAY) from them. I told one of them that what they are doing is illegal and after about 30 minutes after hanging up they called back.
Thats whats called ID is for
Thats whats called ID is for if I do not reconize the number I don't answer. A respectable company will leave a message with a call back numbed. Good lick with these proble companies.
harrsassing phone calls
I too have been receiving harrassig phone calls from 800-684-8429 for the majority of this onth. I have received calls as early as 6:00 am and as late as 11:15 pm. I have never heard of HSBC Bank or Orchard Bank. I have had recent experiences with telemarketers calling me up to 92 times a day. And even though I have done all the things the FTC tells you to do, the calls continue. So I have little hope of stopping these calls too.
Never dealt with them...that I know of.
I have two credit cards at balance zero. I have an auto loan at 2.9% financing through the company I bought the vehicle from. I applied for an additional credit card lately so I could have an employee buy material with it. I have never recieved a reply that I know of. I have lost the credit offer letter that was sent, so I am not sure of the company I applied to, as it was not a huge priority for me, it was just a way to keep track of my worker's material spending. I have never recieved a card from them. I am only assuming it was them, since I now recieve 6 phone calls or more a day from them, and they always hang up on me. I googled the number and this site came up. It is not really a problem for me yet (I start getting business calls around 7 am anyways; but I could understand people who wake up later could be bothered by it), but now I am going to have to get a credit check now, because I am worried they have attacked/attached my credit somehow.
Not Just Credit Cards...
Well, our issue with the lovely HSBC started way back in April of last year. *note, that equals out to 15 months of this* We bought a dog at a pet store. We made the down payment, took her home, and waited for the first bill to come. Two months went by, so we went to the store we bought her at, and they gave us the contact info for HSBC, saying they didn't handle payments beyond the down payment. Ok, so we call HSBC. They are hostile right off the bat, saying they've sent us two bills already and we are behind. My husband tells them we have received nothing. She asks for our account number, he tells her we don't know it because they haven't sent anything. She tells us to wait for the next bill to come. Another two months go by, and finally a bill comes in. I get online to make a payment, and the website says our account number (the one that JUST came in the mail that day) is invalid. So we call, and again are greeted immediately with a hostile representative. This goes back and forht for a while. We don't get another bill until September, same account number.
All the while, they are calling nonstop. As early as 6 am, and as late as midnight. They call hubby at work. his commander has gotten on the phone and told them to stop, and they still haven't. Always hostile, and talking down to my husband. They always ask for our account number, and we always gave them the one on the papers we had. They always said it was invalid. My husband would always ask for the right number so we could pay. They say they can't give it to him, only to the primary card holder. HE IS THE ONLY PERSON ON THE ACCOUNT!!!! if he isn't the primary holder, who the hell is?
We got sick of dealing with them, and told them we were just going to go thru a debt management program. They told us we weren't allowed. We did anyways. They said ok, we'll drop all the late fees, and work with this 3rd party, no problem. The late fees kept piling up. 3rd party keeps telling us HSBC turns down every offer they make them. They start calling us again, telling us we're late, they're going to send us to collections, they've never received any offers, blah blah. Then we get another bill in the mail (the fourth in over a year) and the amount we owe has gone down. That means they were getting the money from our 3rd party.
Now they're back to harrasing my husband all day, every day, and at work still. We're getting calls from a collection agency saying we have to pay them the full amount right now, that HSBC has given over our file to them. And calls from HSBC telling us to just go ahead and send them monthly payments, even though they dont have our account anymore.
AFTER 15 F'ING MONTHS OF THIS, IM READY TO KILL SOMEONE!!! this is ridiculous. This company is staffed by morons, most of whom don't even speak english beyond "would you like to buy X service today?" WE TRIED TO PAY YOU!!!! How can we pay when they don't send paper bills and our account number is invalid to pay online? They need to be shut down.
This is the first time i
This is the first time i hear about a bank harassing someone over a debt that is not even his. Bank policy allows you to be informed about anything related to them in writing and so one can avoid being harassed by endless calls.
Strange - They Don't Leave Messages or Identify Themselves?
The number started calling me repeatedly this weekend, but does not leave any voice message. I had to do a google search on the number. I have an HSBC credit card which I pay every month and am current on. Very strange. I guess I'll call or go to the website to see what's going on.
Nothing currently owed -- FIVE calls so far today
I am about to literally lose my mind with these morons; perhaps it's already affecting my health. Between my fiance and I we have 3 Orchard Bank/HSBC cards, one of his says it's a "Discover" card. All three cards have been consistantly paid before they are due and always for more than the amount requested. Two of them we haven't been using due to the associated high interest charges. They have verbally, as well as in writing, refused to change us to a lower persentage rate, even when offered proof of the low rates on our Capital One cards. (BTW, in all the years I've been with Cap One, they've NEVER phoned me unsolicited.)
The calls from HSBC begin each day around 8:00am and go all the way up to 8:30pm to 9:00pm. Geez, another call just came in while I am typing this, so that's now up to SIX calls so far, and it's only 1:00! Currently I am under medical care prior to a scheuled operation, and along with needing to get as much rest as possible, am supposed to stay calm. Needless to say, I can't just mute the ringer or machine due to getting calls which are important.
Are there any steps I can take that won't further wear me out? Is there anyone to contact in HSBC with intelligence, or a heart? If we owed passed due amounts, then a certain amount of calls would be expected -- but all of this just to evidently sell something? It has literally brought me to tears, and I really want them to stop and/or pay for this harrassment somehow.
Suzanne
Credit Protection Insurance thru Orchard Bank
I have just a major pain in my butt trying to get the credit protection insurance that I pay for monthly to pay for claims. I was laid off Feb 29,2008. On March 1, 2008, I contacted Orchard Bank and Credit Protection both and told them I was laid off to activate a claim for both. They said I would have to wait 30 days to activate. After 30 days, I called back, they would now send a form that took an additional two weeks to get. I fill out the form and send back which they claim they received on 4/22/08, and now it would take an additional 7-10 days because it was being "reviewed" however, they was no one I could speak to in the "review" department. In the meantime, I am getting calls 35 times a day ( I have two cards with Orchard) they call my cell phone, and never leave a message, I'm sorry during peak hours, I don't answer 800 numbers, however, if you had a brain and would leave a message sure I would call you back.
Today is May 3, I call to check on my status and was told a letter requesting additional information was being sent out. More waiting!!!!!
Has anyone experienced any problems with getting their payments paid thru the Credit Protection or is it just me?? Please send me emails and let me know.
I think Orchard Bank is a bunch of sharks, HARASSING SHARKS, and once I return to work I will make it my life mission to pay off my cards and tell them promptly to kiss my ass.
I am also filing a complaint with the Better Business Bureau regarding their inability to pay my claims.
account secure fraud
i suffered a work related injury and sent all of the paper work required. i would receive letters saying it wasn't enough. nothing was good enough for them now i am in collections and get phone calls 10+ times a day and most of them no one there. t same 800 number. i think maybe th feds should be sent for a look.
Account Secure Plus
I have 2 credit cards with HSBC/Orchard Bank. I moved from Ny to NC and I was unable to find employment. I called to activate my benefits. The person on the other end of the phone was in India, I couldn't understand what she was saying and she was having a hard time understanding what I was asking. I finally got her to understand I was calling to file a claim. She told me I would have to fill out paperwork and return it within 45 days. I asked if she could fax itto me and she said they don't have a fax machine but I can fax it back to her.How can I fax it to someone without a fax machine? Anyway I waited for the paperwork in the mail and 5 days after I initiated the claim, I received a letter denying benefits, never even got the packet. I contacted them to inquire about the reason for denial and first was told I hadn't returned the paperwork within the 45 day timeframe. I explained that I had only filed the claim 5 days ago and never got any papers. After being put on hold, they told me it was denied because the event happened more than 120 days ago. I faxed a copy of my lease to show them when I moved. It was denied again. Someone needs to put a stop to this!
Never ever purchase credit
Never ever purchase credit protection insurance. It is only there to make a buck for the banks. If it wasn't profitable to them, do you think they'd offer it? I worked in their marketing dept for a brief time and that is something I learned that I will never forget! Put some money aside in savings as a rainy day fund and use that to make monthly payments next time you are out of work. You'll earn a little interest and won't be giving your money to HSBC!
Been getting calls from them
Been getting calls from them 3 or 4 times a day for the past week at my work number.
Never had a credit card from HSBC. Never give out my work number except to family for emergencies if they can't reach me by cellphone.
It's getting pretty annoying at this point.
linked to e-mail spam?
I have received e-mail spam messages allegedly from HSBC on my work e-mail account for a couple of years. Today I received my first phone call on my cell phone from that number (I didn't answer because I didn't recognize the number), which is how I came upon this website trying to find out who called me. I was recently out of town and had an e-mail auto-reply on my work e-mail which included my cell phone number, so I'm wondering if they received my cell phone number because my e-mail account auto-replied to their spam e-mail. I have never done business with this company.
E-mail Spam
Thanks for posting on our web site. You raised a problem that most encounter and few can explain. Whenever you fill out surveys, buy movie tickets on-line, etc. and provide your email address and use your cell phone as a means for someone to reach you, an unknown company with whom you have no business relationship starts contacting you. If there is a way to "unsubscribe" to the emails coming to your work address, that would be a good first step. Now that a company has your cell number, you will want to call them from your work phone to request they put you on their Do Not Call List. Next, tell them you want a written copy of the company's Do Not Call policy mailed to your work address. In addition to these measures, make sure to register your cell number with the national Do Not Call opt-out registry at 1-888-382-1222. You can register for the DNC list on-line or by using your cell phone to call the above toll-free number. If you go to www.privacyrights.org, look for the telemarketing survival kit. This site should have a link to this kit. Companies can be sued if they don't have a business relationship with you. One important factor is that the Do Not Call rules do NOT apply to businesses and telemarketing folks can get around the law by saying they are taking surveys.
e-mail spam
Thank you for your response and for the information. I have now received 2 phone calls from that number today but no message was left. I will follow up on the info you provided. Thanks!
Harassment
I have no idea who you are - - - I owe you nothing - - you have my number by mistake - - - you have my attention. . . continue and I will own you I am sick of your Harassment and Phone Calls. . . . I will find you out and take care of it MY WAY - - C-U-in court.
"I will find you out and
"I will find you out and take care of it MY WAY" That sounds like a threat, I'd watch what you say because vauge sentences like this can get you in trouble.
In case you've been under a rock, V-Tech,Columbine,and NIU increased security and deem just saying something REMOTELY threatning can get your ass in the slammer.
Just some advice.
What Can I do?
This company (and a few others) call my house every day. HSBC calls -literally- every 15 minutes, (even starting at 8:30 a.m. Sunday morning) and there's never anyone there when I answer.
The problem is that these companies are calling for my husband's ex-wife (they've been divorced and settled for over 10 years). She apparently screwed up her credit a few years ago, lost her house, etc. She doesn't even have a phone anymore, so they call us.
What can I do about it? I'm getting extremely frustrated, and it's really horrible. One day I lost my temper with one real dick - and yelled at him with my 9 year old step-son in the house. He shouldn't ever have to hear that. These jackasses even called MY mother fishing for the x. But when I talk to the companies, they say the X listed our number as a contact - which is complete crap.
What can I do - really?
Canada too
I've been getting calls every day lately from that outfit on my cell. Never heard of HSBC before and never heard of the person the recording names either.
I just filed a complaint with the federal Canadian Radio-television and Telecommunications Commission (CRTC).
Collection calls
These two fact sheets from The Privacy Rights Clearinghouse should help you deal with the Collection Company.
http://www.privacyrights.org/fs/fs27a-debt_collection.htm
http://www.privacyrights.org/fs/fs27-debtcoll.htm
Orchard Bank/HSBC
I never had any problems with Household Bank - except they kept charging me every couple of months for a service I DID NOT ask for. I would have to call every time and tell them to take it off.
I also got the notification that they where changing my interest rate from 9.9% to 27.99%.
I sent back my shredded card with the letter from them declining and asking them to cancel my card.
That is when I started having big problems with them.
I got the extra charge for the service I did not ask for - again!
They also said they were getting my payments late. Nope, I paid on there website and paid 5 days prior to my due date - like always.
So far they racked up huge fees on my card. Between the service I did not ask for, which in turn made my account over the limit which is another fee. and late payment charges.
I tried to talk to them about this and all they could say is when can you pay.
Not what they would do to fix it.
They call 8 to 10 times a day and at my work. I tell them to quit calling at my work and still they do not listen. They have been calling my work for 2 weeks now every day! It does cause a lot of problems with my work.
At this point, they are on the bottom of my list to pay. What's the difference if I'm late or not. It's their word against mine and according to them now, I'll be late no matter what.
I'm encouraging an investigation on this company.
You are just lying because
You are just lying because anyone who know business knows you are making this up just to try to get out of paying your bills. Grow up & take care of business & you won't have these problems you claim.
ignorant
Im having the same problem, I have a card , had never been late and even paid it off and im still being harrassed. I think its ignorant and immature to just assume someone is lying. I wouldnt cast stones in glass houses. Walk a mile in someone elses shoes before you open your ignorant mouth and bash people.
Im a collage education professional with a 6 figure income, I can afford to pay all my bills, this is just harrassment.
I guess they did not teach
I guess they did not teach you to properly spell 'college' in that collage of yours.
Just because you haven't had
Just because you haven't had these issues before, doesn't mean people are not telling the truth. And by the way, do you know what a "typo" is. Get off the internet and get a life.
typo
does the word typo mean anything to you
well i will tell you what
well i will tell you what you think where all lying get a hsbc card pay it off and see how it goes
this is just bad business.
this is just bad business. whoever had my cell phone number before me apparently accrued a lot of debt. i have gotten numerous phone calls from the state revenue service asking for this person and just a month ago i started getting calls from this number, they ask for this person and i say you have the wrong number. what is great is that the person actaully asked are you sure no one you know has this name? even if i did, like it is my problem. of course this didnt stop them from calling again and again.
so i called their "customer service". i have a credit card from this bank. i said people are calling my phone repeatly asking for this person, and i am not his person. the customer rep looked up my account and said we have no record of anyone contacting you. 3 times i had to tell her that they werent calling me, they were calling my cell phone asking for someone who wasnt me. Her advice was to ignore the calls and then proceeded to talk non-stop about services they could provide me.
i am going to pay off this card and be done with this, and get a credit card from a real bank.
The fact of the matter is
The fact of the matter is that when you owe money and can't pay it all back at once (typical in America) people get upset or depressed in many cases when they get about 10 calls a day asking where their money is. Not saying that this is my situation, actually I have no business with them, however a family member of mine does.
I work out of the home and when I constantly have to drop work to look at the damn caller ID, and break my concentration because of this, it really pisses me off. A SINGLE call a day is fine, however these people are zealots when it comes to calling their customers. I'd refuse to pay just because they fill my answering machine up with blank messages. As far as I'm concerned these folks can take a stroll through oncoming traffic.
HSBC,BANK.
WOW.I.COULDNT.GET.OVER.HOW.HSBC.BANK.ACTS.LIKES.THIS.BOY.I.WISH.I.KNOWN.HOW.THEY.ARE.FROM.WHAT.I.READ.WELL.ANYWAY.I.HAD.A.ACCOUNT.WITH.HSBC..NOW.I.REGRET.IT.IM.ON.A.DEBT.MANAGEMENT.PLAIN.YOU.TALK.ABOUT.NOT.WANTING.TO.WORK.WITH.THEM.THESE.PEPLE.ARE.A.TOAL.JERK.I.HAVE.TOLD.THEM.WHAT.I.WAS.DOING.&.THE.THING.IS.THEY.FOR.KNEW.IT.THEN.THEY.WENT.&.SOLD.THE.ACCOUNT.TO.A.COLLECTIONS.OFFICE.IN.TEXAS.THE.FIRST.OFFICE.TOLD.ME.THEY.ARENT.WORKING.WITH.MY.DEBT.MANAGEMENT.PLAIN..THEN.NEXT.THING.YOU...KNOW.A.ANTHER.COLLECTIONS.OFFICE.GOT.IT.&.NOW.THEY.CALLING.ME.AT.HOME.BUGING.ME.ABOUT.IT.I.HAVE.TOLD.THE.COLLECTIONS.OFFICE.THAT.IM.ON.A.DEBT.PLAIN.THEY.ARE.WILLING.TO.WORK.WITH.THEM.THE.MAN.THAT.I.HAVE.TALKED.TO.SAID.THEY.ARE.(HSBC)LOOKING.AT.TAKEING.ME.TO.COURT.I.TELL.ALL.ONE.THING.NO.MORE.FOR.HSBC.BANK.I.WILL.BE.GLAD.TO.GET.OUT.OF.UNDERNEATH.OF.&RID.OF.THEM.FOR.GOOD.&.ANTHERTHING.MY.DEBT.MANAGEMENT.FOKS.WERE.SENDING.THEM.MONEY.THE.JERKS.(HSBC.).EATHER.SENT.THE.MONEY.BACK.TO.THEM.OR.TOOK.SEVERAL.WEEKS.TO.POST.NO.FOR.THEM.I.LEARNED.MY..LESSON.WELL.ABOUT.(HSBC)WHAT.A.BUNCH.LOW.LIFES.&JERKS.TO.BOOT..ANYONE.THINKING.GETING.A,CARD.WITH.(HSBC).THINK.TWICE.,HOW.I.WISHED.I.KNOWN.IT.BEFORE..IF.I.KNEW.IT.I.WOULDNT.NEVER.GOT.ONE.IN.FIRST.PLACE.REMEMBER.THEY.ARE.TOO.FACED.&.BACKSTABERS.TO.I.DONT.TRUST.THEM..NO.MORE.FOR.ME.IM.THROUGH.WITH.THEM.IM.WASHING.MY.HANDS.UP.TO.THEM(HSBC).THE.SAYING.IS.WITH.THEM.DAMED.IF.YOU.DO.DAMED.IF.YOU.DONT.WHATS.PERSON.TO.DO?
Pay your bills
Dont apply for Credit Cards if you dont want to pay your bills.
If you owed me $, I'd call you all day too!
Take responsibility for yourself and quit acting like a victimized child.
This is not a site for
This is not a site for ignorant people like you. If you don't have any of these issues, why are you here. There is no need to be rude to these people, they don't owe YOU the money so keep your rude comments to yourself. Do you even know what harassment is?????
Um..ok
Say that crap when you are in my situation where you have had two back surgeries in 4 months and are only drawing half a pay check. This was unexpected and not intentionally. I will be honest and say my first thing to let slide was my credit card. My car, house, lights, insurance, groceries and gas were more important.
So until you are in a situation like mine, don't tell me to take responsiblity. Don't tell me to quit acting like a victimized child. I can't help my situation and screw you.
Re: Pay you Bills
I sincerely hope that nothing happens in your life to affect your income. I hope you never have to go through a death in the family, divorce, loss of job, illness, ect... People get credit cards to hopefully improve their credit rating. Without credit cards, some people can't get approved for a loan. Underwriters want to see a variety of of accounts. Mortgage, revolving, and installment. We forced to depend on the broken credit reporting agencies.. You may want to read up on the credit card companies raising interest rate up to 30% for the majority of credit card holders. Has this happened to you? It might be safe to say you are in the collection business.
Anyone who would actually
Anyone who would actually believe this stuff just doesn't know anything about the company. I have been late before & have always been treated with total respect. I don't know what makes a person think they should not pay back money to a credit card when no one forced you to use it. Either pay your bill, don't buy more than you can pay for or let them help you as they have me. I can't stand a person who tries to make excuses not to pay a bill. I have worked in collections before & one thing is for sure. There are two kinds of people. One type of person does what ever they can to pay their bills & makes no excuses if they can't. The other is the one who tries to figure out anyway not to pay & blame the people they owe. You even have people who say it's the companies fault for giving them the card, or the one who thinks they can get a card & run it up over the limit & then say they want to close the account & pay what they want when they want. Boy I wish I could do that with my house payments, car payments & utility bills. For you people who want to gripe about collections just try it with your other bills & see how far you get.
Again, what are you ignorant
Again, what are you ignorant people on this site for. Just to help out with harassing people. GET A LIFE!!!
assuming you know everyone's business, and can judge them
Well, I'm sick of their calling me too. They start in the morning about 8 and call up until 10 pm. I HAVE A PREPAY VISA. This means, for all you judgemental people, that I do not charge anything unless I have put money to cover it on my card. NOW, how the hell does that make me someone who does not want to pay my bills. It's Sunday. and they have already called 5 times at 2:44 pm. Stop judging people, and be so bitchy. Get a life of your own, and go comment on something you know about.
Respect....is that what you call it.
I get about 10-15 calls a day from them. They start around 8:15am and end around 8:30 every evening. So don't tell me I am lying when I know how many times they call my cell number.
Also, I would like to see how you could pay all your bills when your income has been cut in half to do an illness, like two back surgeries. My house, care, insurance, lights, groceries and gas are a little more important than a credit card.
HSBC Terrorist
Well I am sure if they had your cell number they would drive you nuts....my husband lost his job a month ago and I called them and told them I would be late and have kept them up to date on things...their response...to call 10 times a day...both to our home and cell and went so far as to tell my 15 year old son to tell his parents to pay their bills. Which really upset him because he knows his Dad lost his job and we have tried to hide the financial situation it has put us in...
I used to collect bad debt and KNOW that they are abusing the law and have filed a complaint with our telephone logs (home and cell) with a record of their repeated phone calls.
My advise to any one having this trouble..get Vonage phone service it records EVERY SINGLE phone call incoming and out going... and nail them for violating the law.
Not everyone is able to avoid the hit from our failing economy...and those who posted things like just pay your bills...well when the company they work for simply closes their doors they will understand that MOST people do not choose to be in this situation...My husband served his country for 20 years...and this has happened to us even with a small pension...we are not trying to avoid paying our bills...we are just in a crunch...due to several factors...retirement...lay off....and college for 2 kids...and trying to be able to see my Mom at least once a month since she has terminal cancer...
HSBC is the quintessential predatory lender
I know that those who say stuff like "just pay your bills" have no real life experience,
have rich parents, and someone to bail them out, have never lost a job and a parent
in the same week.
i took out a credit card (my first ever and the biggest mistake of my life) from HSBC.
They slapped an unauthorized charge for "insurance" on my account in 1998 for
99.00 threw me over my credit limit and when I wrote and wrote and wrote them
about this issue, they never responded. They continued to charge me false and
bogus charges and over the limit fees due to their bogus and false charges to my
account. Ordinarily, I would have paid that card off immediately but due to
the ever increasing catapult and spike in interest rates, I refused to pay
the loan off. I tried and tried to work with them and get them to reverse
the bogus charges and recast the amount so that I could get rid of that
axe hanging over my head and I was told "we can't do that'. Meaning,
we don't give a rat's @&%*. the debt on that
card is a whopping near 9000.00 in spite of the fact that I opened and
closed this account in 1998. This is the quintessential predator in lending.
They served me today with a law suit. I'm going to find someone to
file a class action suit against them. I've never tried to get out of a
repaying a debt in my life but due to unforseen events in my life over
the past 12 months, I have not been able to even make the minimum
payments. I have done collecting on past due accounts in my life and know the rules.
They have broken every single one not to mention have no concept of
"Truth in lending". Really, be careful before you cast that stone....
you don't know where you will find yourself in this economy in the
next 12 months.
Stop HSBC calls
These 2 URL's explain your rights and a give you a sure fire way of stopping collection calls.
http://www.privacyrights.org/fs/fs27-debtcoll.htm
http://www.ucan.org/money/banking_finance_credit_cards/stop_debt_collect...
hahaha i agree
I thought I was finally free but guess what THEY CALLED YESTERDAY TO GET ME TO TAKE OUT ANOTHER CARD!I told them on their call and thier mailings there is NO WAY I would ever do business with them again
I PAID MINE
well let me tell you I payed my bill took a year to finally get these idiots to stop calling me
...just doesn't know anything about the company.
What I do know is that they call 5-8 times a day for a person I have never heard of and I have told them that (a few times). Yet the calls continue EVERY @!$*ing day!
Yeah, your kind of company. You should go work for them.... or maybe you already do.
I PAID ON TIME!
I am paid up... I am not late... I don't even USE this card that much anymore BECAUSE they won't stop harrasing me!
They have called my neighbors...
They have called my business partners...
I have NO IDEA where they got the phone numbers from because I never called them from any number but mine and my assistant's phone!
THEY WON'T LEAVE ME ALONE!
I get 20 calls a day and it doesn't matter if they cashed the check I sent as payment YESTERDAY... They will continue to call.
Now I send in a letter saying "If you do not stop your harrasing calls I will file a complaint with the BBB." with my payments.
I know it takes time to get numbers cycled out of a calling system so I am giving them ONE MORE billing cycle to stop calling before I file a complaint.
What they are doing isn't just bad business practice, IT IS ILLEGAL!
You might not be such a smartass if you PAID YOUR BILLS yet still get 20 calls a DAY to both YOUR phone numbers AND the numbers of friends and family!
CALL THEM BACK AGREE WITH TURKEY
I found revenge much like turkey did,i called them back,now we all need to do the same.
HSBC SUCKS ASSSSSSSSSSSSSSSSSSSSSSSSSS
Okay - I DO read the fine print - and there is nothing in there that says if you are late on one payment - that they can call you 90 times a freaking day. And not only THAT - but for the $10. payment on a balance of like $128. Yes - I have three different cards with them - and I was late on ONE card - What gives them the right to call about the other cards - WHICH WEREN'T EVEN LATE?!??!?!?!??!- it HAS to be costing them a small fortune to keep calling me from India and the Phillipines.... This company is F***** up and belive me - I have taken out a loan to pay off the highest card $100. balance and these hopefully they can all just go F*** themselves... I learned my lesson and have also passed it on to people who MAY have thought about using HSBC....
It seems like a lot of
It seems like a lot of people have negative things to say about HSBC. Rediculous fees, poor customer service, APRs that change without notice - the list goes on and on!
We'd love to get your feed back. We recently started a poll on the Worst / Best Credit Card Issuers. Feel free to stop by and give us your opinions.
hsbc
HSBC SUCkS billing me for something I did not ok now they call me all day
No card, no account, still getting harassed
I applied but was rejected a credit card by HSBC because I had no credit, not bad credit. Well a few months later they start calling because they say I owe an annual fee. HUH?!?!?! The first time they call I get a 'supervisor' who apologizes and says he will cancel the calls and that I owe nothing. He also tells me if I don't wait on the phone with him while he does this it won't be cancelled and reported on my credit report. After I inform him about my feelings about this (non-abusivly) he gets it done (I thought). Well I got another call LATER THAT NIGHT, THEN ON THE FOLLOWING SUNDAY MORNING asking for the $$ I owe. I'm calling lawyers.
If I Get One More Call...
I have been getting calls from them for a week non-stop now...about 6 calls a day no exaggeration. I picked up once, they put me on hold and then asked for my parents (i'm 19) who are on vacation for 3 weeks. I told them, they still call!! Not only do they call obnoxiously all day, they call at like 7am on a Saturday!!!! What?!! Who does that? And then again at 9 am and again at 10:30 and just now (which prompted me to look up the number) at 12:30...It's getting ridiculous. Not too mention my parents have absolutely NO ties with this company...
HSBC, HFC, Household Bank, Orchard, etc.
For information on abuses of HSBC and its affiliates go to http://householdwatch.com. If you want to end consumer abuse at its source, simply never vote for a republican. Since Bush has been in office consumer protections have been weakened by those appointed by Bush to manage government regulatory agencies that are supposed to protect consumers. Also, we can blame both republicans and democrates for changes to the bankruptcy laws, particularly chapter 7, that make it much more difficult to discharge debts and obtain a fresh start. Exploitation of U.S. consumers, especially young people and those with low income, has become a global game. With the prospect of appointment of more and more conservative judges, don't expect a lot of help from the judicial system. It is a free-for-all feeding freenzy and consumers are the meal.
HSBC
This is Turkey again,on my last post just click on the high-lighted web-page to find the dirt on HSBC,those mother fuckers aren't getting away with this! My name is Turkey,I'm here to help.
Call them
We should call them and say this is Turkey?I would love to get those fuckers back.
HSBC
My friends I've found my revenge on HSBC,I call them everytime I get a chance, telling them my name is Turkey etc.,if you look at several complait web-sites you'll hear my "Turkey Revenge" story on 800-684-8429,HSBC has already broken the rules please check out the following web-site and you'll see what I mean.(NOTE THIS IS CAP SENSITIVE) HTTP://www.federalreserve.gov/SECRS/2006/November/20061116/R-1250/R-1250... My friends get your revenge call them back! You may want to alter (change) your voice! The best time to call is between 3-7 pm eastern standard time,the calls are transferred to India (I kid you not! They really are tranferred to India) From that point forward they're always asking for my home phone number meaning they have no way of knowing my number!Join the revolution! Get your revenge call them back!My army is building,many people are on my side and are getting their revenge on HSBC,I've made several posts on different web-sites. My name is Turkey,I'm here to help.
HSBC
HAHAHAHAHA! I got those basturds back! I kept calling them back telling them my name was Turkey and I was looking to buy turkey.
Don't ignore it, fix it
For all the people who complain about the problems and don't do anything about it, FIX IT! If they filed a bankruptcy report with the CRA (credit reporting agencies/) then send them a verification letter! If they can't verify it, it automatically gets taken off. If HSBC won't stop calling you, send a letter asking for a cessation of contact, and another one asking for debt verification. Telling them over the phone to stop calling you doesn't mean squat, you need to mail it to them.
I found out about all of this by visiting the forums at http://consumers.creditnet.com/Discussions/ (half a million posts with advice about fixing your credit report and stopping credit calls).
Thanks - after all the posts
Thanks - after all the posts griping - this is the most helpful one I've read.
Thanks, for the link. Dave
Orchard Bank/HSBC
I applied for and received my Orchard bank credit card after a chapter 7 bankruptcy. They sent me a card with a $1000 credit limit. That was 3 years ago. Today the credit line is $2500, I have never had to pay a late fee or an overlimit fee as I do not abuse the terms of the card. I may be the odd one but I never had any problems with them. I pay my bill early and stay under my credit line, last month they sent me a ZERO percent check on the mastercard for a year. I wonder if I am being treated special by them or if others do not appreciate the card and abuse it. NO I do not work for HSBC, I am just a customer like the rest of you. If you pay your bill early, and stay under your credit line, I am sure they will treat you the same way they treat me.
How nieve, doesn't work that
How nieve, doesn't work that way for everybody....
If you have no problems with
If you have no problems with them why are you looking at the complaints site?
Indeed.
Hahaha, good frickin' question.
Reply to your comment
I had/ have excellent credit with hsbc however i had an accident last year and called them to tell them i would probably have to use my credit insurance for a month or so.... well i didn't and caught up within 6 weeks... they increased my interest rate to 30% ... they did not raise the interest on the other cards only orchard because their customer service people are in another country and do not comprehend the english lanuage.... so you have no problems but i had none either until the accident and jsut needed a few weeks to handle stuff.... by the way, my phone calls from them averaged about 20 to 28 a day my doctor was furious....
HSBC Credit Card Services
No they will not. They are predatory, abusive and evil. I paid on time. Don't think I was ever late. I am so afraid of these jerks I paid as early as I could, all the time. I never went over limit and seldom used the card.
I just got notification that they where changing my interest rate from 8.9% to 29.99% because they could. They claim there was something in my credit report that they randomly run to see if they can screw you out of their teaser rate to the default rate. Why the run credit checks to see if they can screw a good customer in good standing is wrong. When they decide they are going to burn you with the default rate and you have paid on time, and not done anything wrong on the account - that is EVIL!
I have heard of this type of thing but this was the first time it hit me. A great teaser rate and then the bomb. Get online and look at the massive volume of reports, sites, blogs, news groups, and angry people.
I GOOGLED "HSBC Sucks" in quotes last week and found 2600 pages in the GOOGLE return for that one term alone. Try HSBC CREDIT CARD COMPLAINTS" or Household Band Sucks, or any number of dozens of other phrases and you'll see what I'm talking about.
These people suck. If you have not been hit yet, consider yourself lucky.
JD Powers released a report in October 07 that listed Household Bank dead last in Customer Service for the Major Credit Providers. Search JD POWERS and Credit Card Customer Service.
These people suck. HSBC credit Card Services have made me angry. Add me to the many thousands of pissed off customers and ex-customers - and please forward me class action, petition or consumer activist info when it comes available. I have seen Presidential Candidates mention these issues now and have found some congressional comments online too.
These jerks need to be slapped hard and hard again.
http://www.SaxPlayersBlog.com
I agree 200% HSBC are a
I agree 200% HSBC are a bunch of shitheads, and I am being very, very nice. The SOB's call all fucking day long and then hang up when the machine picks up and the payment isn't even late! When I talk to them (4 times know) they don't give a shit and promise that it is the computer's fault and they will "make a note of it in the file" MY ASS THEY DID. Today was it, they called 4 times before 10 am, what the fuck is so important that they had to call 4 times before 10 am and NOT leave a message on the machine? I hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate, hate HSBC. the company needs to be taught some serious customer service skills as they are all a bunch of conniving, lying, fraudulent, thieving, ass-kissing, shitheads who could care less about anything other then $.
Loser
Loser
The Credit Card industry is a legal form of slavery
Folks, the whole credit industry is a legal form of slavery. From the very highest in the Federal Reserve which is not a government entity but is owned by private bankers. The Federal Reserve prints money out of thin air and then loans it to the United States Treasury at interest. Guess who pays the interest - YOU. Then the government goes deeper and deeper into debt and the private bankers make a fortune. Right now US Taxpayers owe so much debt, that they could sell everthing in the United States three times and it would not pay for the National Debt. Personal debt is much the same way. They tell you that you can't have good credit unless you get credit. So basically if you want a loan for a home or car, the only legitimate things to get a loan for, you have to have lots of credit cards and other debt to prove that you are credit worthy. So you have to pay these companies loan shark fees in order to buy creditworthyness. So you accumulate thousands of dollars in debt and pay outrageous interest rates to keep your credit in good shape. The whole credit industry is a scam. In the 60's very few people had credit cards and the interest rates where relatively low, but people still were able to get auto loans and home loans without the secret formula that the credit companies use now. The difference is, that Americans could actually had great jobs because high paying manufacturing jobs where located in the United States. These jobs provided good wages, great healthcare and benefits. Now instead after Trade Agreements like NAFTA, instead
of one person working that could provide for the whole family, you have two parents working, and relying on things like credit cards to exist. It has totally flipped.
Well, you really have to
Well, you really have to keep informed on how this entire system works. All of the banks are using what is called universal default. If you are one day late on your electric bill, which is not even on your credit report. ZING, they will raise you to their default rate on your credit card.
I agree that it is NOT fair. However, Chase started the practice many years ago and all the rest of the banks followed their lead. WAMU is now raising almost everyone to 31.99 and will not even tell you where your default was.
What this is as I see it is as follows; The people who are paying the banks, the PERFORMING accounts they are trying to get to pay for the supbprime mortgage mess that they are all in. If they raise the rates on performing credit cards it will cover many of the losses they are taking hits now on their mortgage portfolios.
Credit cards are the worst type of debt you can possibly have. If possible, just pay it in full each month when the bill arrives and you will never have to worry about interest charges. Although HSBC might seem bad, they are not as bad as others out there like First Premier, TOTAL card, etc. I had those cards before HSBC. Now if you want to talk BAD those cards are the worst.
HSBC Credit Card Services
No they will not. They are predatory, abusive and evil. I paid on time. Don't think I was ever late. I am so afraid of these jerks I paid as early as I could, all the time. I never went over limit and seldom used the card.
I just got notification that they where changing my interest rate from 8.9% to 29.99% because they could. They claim there was something in my credit report that they randomly run to see if they can screw you out of their teaser rate to the default rate. Why the run credit checks to see if they can screw a good customer in good standing is wrong. When they decide they are going to burn you with the default rate and you have paid on time, and not done anything wrong on the account - that is EVIL!
I have heard of this type of thing but this was the first time it hit me. A great teaser rate and then the bomb. Get online and look at the massive volume of reports, sites, blogs, news groups, and angry people.
I GOOGLED "HSBC Sucks" in quotes last week and found 2600 pages in the GOOGLE return for that one term alone. Try HSBC CREDIT CARD COMPLAINTS" or Household Band Sucks, or any number of dozens of other phrases and you'll see what I'm talking about.
These people suck. If you have not been hit yet, consider yourself lucky.
JD Powers released a report in October 07 that listed Household Bank dead last in Customer Service for the Major Credit Providers. Search JD POWERS and Credit Card Customer Service.
These people suck. HSBC credit Card Services have made me angry. Add me to the many thousands of pissed off customers and ex-customers - and please forward me class action, petition or consumer activist info when it comes available. I have seen Presidential Candidates mention these issues now and have found some congressional comments online too.
These jerks need to be slapped hard and hard again.
http://www.SaxPlayersBlog.com
Fraud bankrupcty
There are many people who are behind on payments to HSBC and several law suits in process against HSBC for false information provided to the credit report companies. All of my credit cards are paid in full and I do not want another card from HSBC. The fact HSBC reported I had filed bankrupcty is a deception and I have NOT filed for bankrupcty. It is a blessing that you have been able to pay all of your credit card debt and increase your score but when a credit damaging lie from HSBC has been reported then action must be taken. Perhaps a research of the law suits for improper banking practices against HSBC is reported on line at several websites it would be good to read them. The phone calls were prior to the complete payment to HSBC and I advised them that I was on a National DO NOT CALL list and they were breaking the law. I was not late nor do I owe them anything. Again, this is banking fraud.
Both HSBC and Orchard tried
Both HSBC and Orchard tried to screw me. I had paid both of the credit cards off in full, cut them up, sent them back and told them to close the account. After three months I started receiving bills in the mail with the yearly fee and when I didn't pay the bill, each month had interest charges tacked on. It took over six months to get to the point where I thought it had finally been taken care of. However, I am now starting to get calls from 800-684-8429. I don't answer the phone if I don't know who it is. Usually they just hang up, but once in a while they leave a message that says it is important that I call this number back...I have no accounts with these people any more!! Why are they still harrassing me.
Wrongful bankruptcy named
Yesterday, I received from Discover Card a notice of rejection for a new card. The reason: In April of 2007 I had filed bankruptcy. I have not!. I paid in full a credit card from HSBC and was sent a charge of $29.00 after I had paid in full and my check had cleared the bank. When I complained to the bank, I was told it was an interest due on the last interest. I refused to pay interest upon interest and asked to speak to a supervisor. The woman then said that the interest would be deleted and my account cleared. It was not until December 14th that I had any idea HSBC had turned the charge over to bankruptcy. I asked what proof he had and if there were signatures; what bankrupcy court had ordered the returns; what county, state was the case issued and judgment. He had no answer. After telephoning the bank on December 14th I was told to call back in a week. There was no case reference to use when I called back. "The man's name was Acbeeb. Not sure of the spelling." The bank had to research the issue and I could obtain the results in a week. I am more than angry! My credit report is not accurate now, I do not know when it will be cleared up and I NEVER filed banckruptcy
Orchard Bank Harassment
My mother passed away on 10/10. She had a credit card with Orchard Bank/HSBC. I made a change of address with the post office so that her mail came to me because I am the only one of her 3 children that live in the state and we figured it would be easier that way. Unfortunately my mother had very little money in the bank. She had no real estate, or valuable property. She lived in Minnesota (as do I) and when the estate is less than $20,000 and no property there is no probate. Well, in the last 6 days Orchard bank has called me 16 times! This is very upsetting. The holidays are stressful enough having just lost my mother, but now they are calling and harassing me! I was not a co-signer on any credit card, nor was I a joint holder of any card. The first time they called I explained to them that she passed away, had no assets and therefore there will be no probate. I requested they not call me again. 15 more calls have been made. The callers seem to be in a foreign country that have no real clue, and do not speak english very well. I've spoken to a lawyer, and they have no right to contact me once I have told them the information I did and to stop calling me, yet they persist. Since this was not my debt, how do I go about getting rid of them? I've looked online and see all kinds of horrible stories about them. This is really upsetting. My mother's birthday was Monday and they called me then - I lost it and yelled at them and the jerk just yelled back at me. These overseas call centers are staffed with such cheap labor they don't care if they are breaking the law, or breaking someone's heart. The post earlier from someone who said to suck it up, well they need to get a clue and feel a little empathy or compassion for others. People sometimes have problems, and they shouldn't be treated like criminals, and they certainly shouldn't be harrassed while mourning the loss of a love one. I hope one single person that was thinking of doing business with Orchard/HSBC and decides not to, the best way to hurt these companies is to affect their bottom line. Anyway, thank you for the forum.
Filing Suit!
I have had a card in the past, paid it off in full. Dont owe this company ONE RED CENT. However, i seem to get a different response from the number. I get 12-20 calls DAILY (this is no joke), when i answer the phone, there is no person on the other line. At the 10 second mark, it hangs up. This is happening EVERY damn day, so i am done being harassed. I have hired a lawyer, and not just one, a TEAM. Does anyone want to entertain the idea of a class action suit? If so, contact me by posting and/or email. If we can get 20 or so together, we can stop this and possibly be rewarded. This has caused several problems for me: I have changed my cell number 4 times in the last 3 months. I have paid overage charges for the minutes. It has rung and rung during work hours, SEX, church, during my sons homework time....you name the time, the phone is ringing non stop! Lets stop this for good!
Drew
Class action suit
Isn't it illegal to have foreign nationals handle our personal business accounts, homeland security says companies have to hire us citizens.. so how are they getting away with giving our info to other contries who employees do not understand english? washington mutual is doing this as well with our checking and savings accounts as well as their credit card department... don;t they ahve to notify you if the interest rate is going to be increased so we can cancel our accounts?
HSBC suit
Sign me up. I've never heard of this company, have NO credit cards of any kind, or any debts, and I get harrassing phone calls.
Let me know what I need to do.
Response to lawsuit
I would love to get a lawsuit going. These people are assholes and it is not as if they are not being paid. They obviously like to harass people. What do we have to do to get the suit going?
Count me in too! I'd love to
Count me in too! I'd love to get something going against HSBC!
Eric
The problems with Americans
Sounds like you are all living beyond your means and/or you don't read the fine print in the contract. Sounds like typical American whining.
Suck it up and shut the "F" up.
Maybe if you all took some basic financing classes and live within your means, you would not have these issues.
Maybe you should stick to
Maybe you should stick to dealing with people in your own country!!! All you foreign people complain about Americans but yet you all come here. Get out and stay out if you don't like us!!!
Odviously you don't know
Odviously you don't know what it's like to be fired from a well paying job, and have to get a job paying half of what you used to make, and trying to pay the bills. Literally my income has been half of what it was when I got my mortgage, How do you get rid of a debt that no one wants at the moment. Housing market is aweful, and selling would still leave me with debt to the company, and worse no place to live either. 20 degree outside and unfortunalty I have no heat and haven't for 2 years, except a kerosene heater. But guess some of us like to assume everyone who gets in debt does it on purpose. Oh thats right we americans should be able to pay for everything and live the best life there is and shouldn't complain, sorry I got confused where I lived lol
Ahh, You can't spell too
Ahh, You can't spell too well, can you? "OBVIOUSLY" That's too bad. Sad thing is, now the whole world has to know. You idiot! Maybe your computer does not have spell check! I guess since you have a credit card with a great limit you can afford to by a new one?
again, doesn't anyone know
again, doesn't anyone know what a "typo" is???
you sound like you must be related
there is no where in the fine print that says we have to deal with a foreign country with regard to our personal business and how nice to be so perfect like you.... you just made me want to throw up...
You are jumping to conclusions!
My son is 17, has no credit card and has received 60 calls from these people. I hardly think it's because he is living beyond his means. Since there is no credit card, there is no fine print to read. Plus he has no loan or any other thing that would cause them to c