HBSC: The Worst Bank in the World?
November 26th, 2009
Dear HSBC,
I would like to start this letter by going straight to the point: FUCK YOU.
Ok, now that we have that clear, let me explain the many reasons why I detest you and the only reason why I keep using your stupid ass services.
First off, out of the blue you are forcing people this year to update their data on your databases. If people simply fail to do so, you close their accounts. And if people do update their data, you also close their fucking accounts. Happened to me while on a trip after wasting 30 minutes of my life at your bank. I submitted all requested information only to find that a week after my bank account and credit card had been frozen.
The funny part about this that the ONLY motherfucking reason I use your bank is because I have a VISA that covers my medical expenses when I travel if I buy the ticket with it. And suddenly, I’m far away with a VISA that does not work – in other words, you left me without traveller’s insurance, assholes.
Needless to say, I could not access my online account and it was blocked after 3 attempts to log in. Today, I got my pin back and when I am at your page I read the message that now, we, your fucking customers, must use your virtual keyboard. If you were attempting to create a feature in your online page that cause people to scream obscenities to their computer screens, kudos, my friends – you have excelled in creating the worst user interface EVER:
Whoever thought of this idea show have have their testicles removed and shoved down their throat. And whoever implemented the numeric keypad, well, what can I say:
I guess that’s how they count up in Stupidville. Also, if you press the “shift” key, is there some kind of visual that lets the user know what’s going on? Of course not. So now, when I am trying to change my password, not only does it take me 10x the time that it did before, but now it’s 5x easier to make a typo. Aarrrggghhh!!!
And I know what you are thinking, you are doing this to be more “secure”. Right, and did you even stop for a second to think how annoying this would be to the end user? This about does it with me and your shit-for-brains bank. I’ll call AMEX and see if the offer some kind of similar traveller insurance. I will only get closure from this sickening relationship once I send you all to hell, but I believe you are already there and you drag all your customers with you.
Oh, and yeah, I almost forgot: FUUUUUUUUUUUUUUCK YOU!!!!
November 26th, 2009 at 1:44 pm
“I can’t get no satisfaction,
I can’t get no satisfaction.
‘Cause I try and I try and I try and I try.
I can’t get no, I can’t get no.”
http://www.youtube.com/watch?v=OGWfLiEoG98
:p
November 26th, 2009 at 2:59 pm
is the numeric keyboard really like that?
November 26th, 2009 at 3:04 pm
@Jorge:
See for yourself my friend:
https://www.hsbc.fi.cr/hsbcenlinea/login.asp
@Ronny: With Costa Rican banks, NO ONE get satisfaction!
November 26th, 2009 at 7:49 pm
Esta porquería de banco es una verdadera mierda. Una cadena interminable de ineficiencia.
November 27th, 2009 at 7:25 am
Totally agree, let me tell a couple of funny stories with those guys:
MY NEW PASSWORD:
After spending 4 hours changing my password (about 4-5 attemps failed) I ended putting a password like “you_are_son_of_a_bitch_01″ and today, for loggin in, they ask me “put 1st, 6th & 13th letters from your password,” meaning I have to remember very weel what they are.
REMOTE PING PONG:
Once a friend of me move to another country, she try to “update” her account since previous number becomes obsolete, the dialog was like this:
She: I need to update the number since I cannot withhdraw money from ATM neither write checks.
HSBC: Come to the office, it has to be done personally
She: But I’m out of the country, may I send an authorization letter?
HSBC: Yes
Me — went to the bank with the letter
HSBC: But… this isn’t original, we cannot accept this authorization
Me: how could we do it
HSBC: She can send it by fax…
…
She send the fax and call…
HSBC: Sorry, we cannot accept the fax
She: Why? you asked me to send it
HSBC: The problem is that YOU didn’t activate/authorize the “Fax reception service”
She: How can I activate it?
HSBC: Come to the office, it cannot be done remotely, or… you could send a letter authorizing another person (the same trap as before…)
The story continues and the first conclusion was the she is giulty for going out of the country, that’s her problem and being the 1st bank in the world, the have to solve situations locally…
Happy end: After 8 weeks with the money frozen on the obsolete account, we found the exit… I opened a new account at HSBC and she tranfer me the money online (cannot send to my non HSBC account because didn’t activate remote transfer service and you know the rest)… that’s how I become their customer… DAEMON!
YOU ARE GIULTY:
Last comment, they always say:
“it’s YOUR fault”
“ohh, Im sorry but YOU make a mess, let me see if I could solve it”
“YOU have to come back again, because YOU make a mistake”
November 27th, 2009 at 12:32 pm
HSBC does shine amongst the shittiest of the shitty…
November 29th, 2009 at 7:02 pm
@David:
Thank you man, you have made my day. I am so happy to see that this is not an HSBC plot to conspire against my happiness, but they are on a global mission to make EVERYONE miserable.
I had the same problem when my account was blocked, no way to reset the pin until I was at their offices and I was going to be on vacation for 2 months. This meant that if someone made illegal charges to my card, I would NEVER find out. And this serious considering the assholes at HSBC will only pay 90% of credit card frauds (they ended up paying 100% when my card was cloned on a trip, but I had to get nasty).
It’s like they don’t realized how their procedures are dead-ends at every turn.
Thanks much for posting your story, it’s more frustrating than my post. Awesome password BTW!
December 21st, 2009 at 10:16 am
El teclado numérico cambia, por lo menos en mi caso, cada vez que me conecto al HSBC. “Más seguro así” jajajajaja. Es el banco del demonio con sucursales en todo el mundo.
March 9th, 2010 at 6:48 pm
I’m on hold with HSBC right now….I have never really hated a bank before, but this one is the worst….I’m not even a regular blogger, but was driven to find somewhere to vent. HSBC are the worst bank in the world. The only reason I opened an account with them was because they say they are “the world’s local bank.” What a load of rubbish… they can’t even effect a transfer between an account in the UK and an account in the USA both HSBC and both under the same name… not only do they royaly screw this up, but the US blames the UK and the UK blames the US/… so you end up in the middle screwed by both HSBCs…. their customer help line is useless and and btw.. if you live in the US and have a UK account.. you can only transfer money electronically during UK banking hours 8-3:30 GMT… which is Midnight to 7:30am PST….the worlds local bank…???? what a load of shite.. oh and now I’m off hold with these assholes , they just charged my 22USD for a freaking check book….I have never had a worse experience with a financial institution than HSBC, they are useless and I would close my account if it wasn;t such a pain in the ass to setup an account overseas nowadays. If you are loking for a real international bank DO NOT OPEN AN ACCOUNT WITH HSBC.. DON’T DO IT… they are rubbish and you will learn quickly how useless they are.
My 10 cents…
March 14th, 2010 at 10:37 am
@Richard:
Thanks for sharing your pain. It is crazy that they call themselves the local band of the world indeed. Check this experience of mine in Brazil, so much for the world’s local bank:
http://www.grumpytico.com/?p=1763
If it serves as any consolation, whenever you feel the US or UK HSBC is acting like the worst branches, remember here in Costa Rica we have something much more worse.
July 4th, 2010 at 4:04 pm
Yo pensaba abrir una cuenta en ese banco, pero con todo lo que escribiste, lo pensaré.
July 30th, 2010 at 1:34 am
I DROVE 6HRS TO THE NEAREST NEW YORK BRANCH TO HAVE MY ID VERIFIED, THE BANK MANAGER SUBMITTED MY DOCUMENTS WITHOUT VERIFYING IT! HOW IS IT POSSIBLE THAT THE ONLY THING THEY NEED TO DO IS SIGN HIS FUCKING NAME AND HE’S MISSED IT!!
FUCK YOU HSBC, YOU ARE THE WORST FUCKING BANK IN THE WORLD. YOU WASTE EVERYONE’S TIME, AND GO AND FUCK YOURSELF.
August 12th, 2010 at 9:13 pm
I would like to say the same thing, fuck you, HSBC
August 15th, 2010 at 5:06 pm
i AGREE THAT HSBC IS THE WORST BAK IN THE WORLD, CUSTOMER SERVICE SUCKS AND SERVICE SUCKS EVEN MORE ALL I WANT TO SAY DON’T DO ANY KIND OF BANKING WITH THIS BANK…………………….
September 1st, 2010 at 6:42 am
HSBC, you useless, thieving, motherfuckers. The worst bank in the world by far. Oh and don’t believe any of their, “the wold’s local bank” bullshit. They’re as local as the country you opened your accounts in. I’m an expat living in Bahrain and they have fucked me over twice now in 2 weeks. I hope the next bank to crash is HSBC with no bail out from anyone.
@ Peter – Being the best doesn’t necessarily make them any good.
September 4th, 2010 at 4:19 pm
I couldn’t agree more. HSBC has the worst business practices and they use them to penalize their customers. They actually received my monthly payment from my bank (e.g. the money was paid to them) 3 days prior to the due date. HSBC then held the payment without processing it for 7 days. Why you ask? So they could claim the payment was late and chare me a late fee. If you do business with HSBC you’re paying them to screw you over.
I called HSBC with the specifics about when they received my payment and they absolutely refused to refund the late fee asserting it was valid.
A big thank you to my personal bank for jumping on this issue immediately and attacking HSBC. Your no BS policies and solid supporting data forced HSBC to retract the late fee.
HSBC, You suck at everything you do. I will never do business with you again. I hope you implode under the weight of your predatory business practices ( )*( )