WRITING HSBC About A Credit Card Dispute???

Hi,

I have a credit card through HSBC. Recently I had an unathorized charge for $55 hit my card. I immediately disputed it through their web site and got a credit. They e-mailed a confirmation that only gave a link to contact them via e-mail or phone.

Today, I get a letter from them (with no return address) saying they have determined the charge is valid and have put it back on my account. Yup, they did!

It does not offer me any way to write them. Instead, it asks that I called (which is a call center in India, I've been down that route. Never again!) or to e-mail them. Well, I have e-mailed twice and no response. I get a confirmation they received my e-mail.... no answer.

I have searched their site. I have searched the web. There is no address for WRITING them and contesting a dispute decision. I truly feel if my phone calls are met with someone who can barely speak English and they are ignoring my e-mails I must put something in writing, send it registered mail and insure they have it.

The addresses I can find are for their bank branches (nope), where to mail a payment (nope), etc. Any ideas??

Look at your agreement.

Dont have HSBC card. But all CC statements I have seen list an address for disputes. Sent your written dispute there.

they're the worst with disputes....

Some credit card statements have the address for disputes listed on the back of the statement. It might be in a very light blue or gray fine print that is hard to read.

mkar said:   They are the most incompetent you could ever come across when it comes to disputes. Based on my experience, you have to call them and have it escalated to the level that can "understand" you problem.vickh said:   they're the worst with disputes....ph12321 said:   HSBC is the worst. Will never deal with them again.My 2% card is an HSBC card. So I use it a lot. If I want to use it for an internet purchase, I generally use it via paypal -- I have it set as the default credit card on my paypal account. Hopefully this keeps my card number private, so that I diminish the chances of having to deal with fraudulent purchases on this card (and so far there haven't been any on this card). Mostly I use it for utility bills and for purchases that I probably won't need to dispute, such as low-value or non-fragile items. From another thread, I see paypal referred to as "the devil", but I've never had any problems with paypal. But then again, I've only dealt with paypal as the buyer (haven't sold anything through paypal).

So I'm wondering -- for the cardholder with an HSBC card, would the consumer and dispute protections of paypal provide an insulating layer of defense in case problems arose with a purchase? Is paypal likely to help solve problems so that the cardholder is less likely to have to deal with HSBC? Would this be a helpful future strategy for OP?

Well, HSBC USA cards should be done by mid summer with Capital One. How much integration, do not know.

You should do your appeal in writing to the Salinas address you can search.

Rasheed