How do you deal with wrong billing on your HSBC credit card?

Philippines
September 21, 2010 8:29pm CST
I've always been a good payor of my credit card. In fact, Ive never paid late and all my annual membership fees were paid using the accumulated points I got from my purchases. However, just when Im starting to really appreciate HSBC, I am now definitely dissatisfied. You see, I paid my last month's bill on one of their certified outlets. Then for some reason unknown to me, the money I paid was only paid to HSBC after 15 days so what happened was my current bill is so big since it carried over last months bill plus interest. Worst, HSBC is insisting I was billed correctly...after arguing for an hour, they finally agreed for me to faxed my receipt and review my case and Im required to call after an hour..talking of customer service.Can't they just accept my complaint, request for my fax and confirm the problem with their payment outlet? instead of letting me argue for an hour before they comply? it's very irritating indeed. How would you handle a situation like this? can I sue them?
2 responses
@Peykat (119)
• Philippines
22 Sep 10
I don't know to deal with this kind of problem because I don't have a HSBC card. I tried to apply once but they denied me, I don't know why, because my girlfriend got her HSBC card even thou I earn much more than her. I don't really know their qualification to get one. I submitted all the requirements their need, but I've been denied. About your question, try to tell them you'll be closing your card so that they will tell you that they will revert your card so that you will not pay you service fee, my girlfriend done it two times already and it works, she have never paid a single penny on HSBC card service fee.
• Philippines
22 Sep 10
this is helpful..I'll consider this if they still argue with me after faxing the receipt. thanks!
• United States
22 Sep 10
I am sorry to hear about your problems with them. I cannot give you a lot of advice, but I am responding to let you know that you are not the only one. I spent so much time on the phone with them, and found myself arguing in the same customer service circle. The best thing to do is be patient and request a supervisor. I know this sounds horrible, but from my experience working in customer service, as long as you maintain your patience and continue calling in, you will evetually get helped. Every time you call in (assuming the agent you are working with at least does the base level requirement of their job) a note will be documented in your account. That can only pass through so many hands before it gets fixed. Then, if you make it to a supervisor, they will see how much of a struggle you have went through. Often times regular agents are coached to say certain things and cannot help you even when they want to. I know all of this sounds crazy, and none of us should have to put up with it.
• Philippines
22 Sep 10
i agree..some law should be passed to regulate these companies.