HSBC / hsbc protection plan rip off!
I got the credit cards back in january... and I was told that it was no interest for 6 months... I looked at my bill when I received it and it said that I still had to make monthly payments on both cards... so I then made my payments on time, and wasn't late... I then took a look at the next bill I received... and noticed I was being charged a debt collection fee and a identity protection fee... and that my payments I made barely made a dent in what I owed... so I made a big payment on both cards to see what else would happen... I then noticed after that, that they started charging me the debt collection fee plus the apr plus something else that was only a dollar... I decided then just to pay them in full and not use the cards anymore... well every thing was going good until I checked my acct. online today 3/18/08 and saw that they charged my acct. 9.99 for some protection plan on 3/17/08... I immediately called the identity protection plan department... and canceled it and was told that my account would be credited back the money, wrote down the confirmation number and filed it along side my original contract... where you can plainly see that I never signed up for the identity protection plan...in fact... when I call to activate my card... the man tried to sell that to me... and I plainly said no, even though I could barely understand his english i'm more then sure he could understand me when I said no!... so it was done to my acct... without my permission... and have proof... also... I called my rewardzone master card customer service to make sure that my account would be refunded the 9.99... and that I would not be liable for any charges brounght up on my acct. because of the 9.99 charge... he said that any charges brought on because of this... will be credited back to my acct... i'm hoping that they won't try to scam me out of more money. so anyone who is thinking that getting a bestbuy card is a good idea... run away!!! I wish I wouldn't have gotten it.
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