Update: HSBC claims that I didn't request my credit balance to be mailed to me on 6/24/2009, the day I closed this account. In other words, they claim that I closed my account and, in essence, told them to keep the money. It will now take up to 21 days. During this time, they deducted 19 dollars from my balance for what they claim is accrued interest. The saga goes on, and if you are doing business with these people, I strongly suggest you consider dropping them and giving someone your trade who knows how to treat customers.
I've been too busy posting lots of fossil pics over at my new site, What Is This Fossil?, to spend much time updating this blog.
So, it's time for a nice gripe-fest.
Why have so many companies forgotten what customer service is? Why do they tie their employees' hands so that they can't help their customers even if they want to?
Specifically, I'm talking about HSBC bank, their credit card program in particular.
We lost about 1500 bucks in monthly income last year, and it made things financially dicey. I did a refi on my house to stop the bleeding, and we're back on track now, I'm happy to say.
But there was a time in January when I made an online payment to HSBC, and unfortunately, the direct payment from my bank account bounced. They had to run it through a second time.
Jump ahead six months. The refi is closed, a cashier's check is mailed to HSBC. I log into their site and track its progress. Finally, credit is given. However, my card is unable to be used.
So, I call the 800 number and finally get a rep online. It's some dude from way overseas who obviously has no decision-making power, so I ask for his boss.
She gets on and explains that they have a"policy" of waiting five business days after posting payment in the case of someone who has had a payment returned.
I respect that, I said, but reminded her that payment was made in the form of a cashier's check.
Darn it to heck, she wished there was something she could do, but it's policy. She can't change it.
"Look" I said. One of two things is going to happen here. Either you're going to lift this hold, so that I can begin using this card for my corporation, or else this account will be canceled on the spot.
One minute later, HSBC and I had parted ways.
Bad move. I'll be making lots of purchases for my little corporation in my newborn favorable financial situation, and paying the card off monthly. Now, that privileged arrangement belongs to Capital One.
Oh well. At least HSBC can take comfort in the fact that their policies are apparently un-overrideable.