WG in New Hampshire said: “I received an HSBC Opt Out Notice in 12.02.09 for my credit card and sent a certified letter rejecting Change in Credit Card Terms on 12.04.09 addressed to HSBC Card Services, PO Box 80056, Salinas, CA 93912-0056, Attn: Opt-Out Dept. HMPO907 – it was received on 12.07.09 – I then checked that my account was closed by making a purchase with the card – it was rejected – this notice was signed by Patricia Burke, President, HSBC Credit Card Services Inc.

On 01.04.2010, I received another Opt Out Notice for my credit card with changes to take effect 02.17.2010 – I decided to call before sending a certified letter to inform them this was the second Notice – the phone # 877 295 5110 was the same as on the first Notice – the call was answered by a recorded voice asking for my credit card # which was accepted and then the voice asked for the last “4” digits of my SS# – the voice rejected my correct SS# even after 4 callbacks – and each time said “goodbye” and hung up – there was no way to get through – but I then checked the back of my credit card and found a very tiny number 888 333 2201 so I called and got a voice recording asking for my credit card # which was accepted and then asked for my full “9” digit SS# which was accepted.

I was then placed on hold for more than 10 minutes so I hung up – this Notice had no signature and the even though the phone# and the return address were the same, the Opt-Out Dept # was different by one digit – HMP090″8″ and the cover address was also different – HSBC Card Services PO Box 60177 City of Industry, CA 91716-0177 –

This is just another terrible scam for the poor credit card customers of HSBC – I hope we can do something about it.”

HSBC Watch monitors HSBC customer trends for possible violations of Regulation Z and other possible illegal actions. We use your individual HSBC complaints and merchant complaint reports to perform trend analysis. We are not associated with HSBC, Household International, or their merchants. Some items are used by permission granted in the Fair Use guidelines of the 1976 U.S. Copyright Act. HSBC Watch was formerly known as Household Watch and is now part of the Lender Watch network.