OS in Virginia said: “I have a master card with HSBC Card Services since February 2010 with a 500.00 limit. I charged this credit card on 3/10/10 in the amount of 426.20 and on 3/19/10 I made a full payment in the amount of 426.20.
This amount cleared my bank on 3/22/10. I also charged 25.00 on 3/20/10 (this transaction did not go thru until 3/22/10) and I made a full payment of 25.00 on 3/20/10. This amount also cleared my bank on 3/22/10. The reason I charged the credit card and paid it in full inmediately is because I want to build up my credit after bankruptcy.
Up to today, 3/30/10, HSBC still has a hold on my account in the amount of 425.20, leaving me with 74.00 available credit. My account should have 500.00 available credit since charges were paid in full.
I have called and written to customer service for them to remove the hold from my account but they have not done it. It might be that this hold is kept on my account so some finance charges will be charged.
This is not legal because I paid in full before the monthly cycle ends. I requested to speak to a supervisor but they do not allow me to speak to no one but the same people in customer service.
The responses customer care writes to me does not satisfy my request of taking this hold off from my account. I believe this hold can show on my credit report like if I had my credit card max up which is not tru becouse I paid the charges in full. This account is not serving for the purpose intended and I have lost trust in HSBC.”