Applied for HSBC interest free loan, recommended by travel agent. Expecting a quick acceptance as I have a credit rating of 735 which is a very good rating. after 2 weeks of phone calls telling me exactly th same thing as the many emails told me & all the paperwork that was requested was emailed to them, still no decision. Once the agent intervened & escalated my request it was another week before they emailed & told me the application was denied with no reason given.
I'm playing discrimination card here, I'm a self funded retiree, pay bills on time, have no debts, own my own home & car but still can't get a loan from them. Rubbish bank.
Poor customer service, not interested in being accomodating to customers
Poor customer service, not interested in being accomodating to customers. The customer service team were not keen to accomodate my basic request so as a result I am going to move banks
Disappointing and frustrating experience
I opened a Flexi Saver a few months ago after see the fantastic rates and transferred my savings over from.ME Bank's Online Savings account. Checked those rates a couple of weeks ago and they had fallen significantly while ME Bank stayed the same so I decided to go back to ME Bank.
I tried logging into the app and it said I had an internet connection problem. I checked if I could use the internet for other apps on my phone and they were working so my internet was fine. I then tried logging into online banking on my desktop computer and after w...aiting several minutes I got an error message saying www.HSBC.com.au could not be reached. I could access all other websites on my computer so I knew my interest was working so it has to have something to do with HSBC. I rang HSBC to report the fault and ask them to transfer the money over the phone. This is where I found out what this company is like. The lady I spoke with told me over and over again in a very sweet but patronising voice that the problem.was at my end. She just kept blaming anything she could that I was doing, things like You're using the wrong browser...I installed the browser she suggested and it still didn't work You need to delete your cookies....deleted them still didn't work Your internet isn't working....told her it was working fine for all other websites but she still told me it's a problem with my internet.
Don't get within 10ft
Most incompetent bank I have ever come across. I was send a letter to register for online banking. Try to do it online and an error message came out asking me to go into a branch. I was asked to jump through hoops and loops for 50mins in the branch. The front office staff have to get a 6-digit code from HQ. Put to hang on while I waited. Next minute I was told to speak to the person on the line. Pass to a recorded message to enter some details which I did correctly but was told not. And then was told to hang on further while the call is pass back to an officer. I gave up and just walked out of the bank.
Terrible online banking services. online website problems with inefficient overseas operators. Not recommended
2 years with this bank, unreliable at most, customer service is inefficient and unreliable. Online banking always has issues regardless of any computers/browsers you use. Rude operators overseas. Very frustrating
Worst Experience Ever - Complete Waste Of Time - 1 Start is 1 Star Too Many
Asked to Close Account and said they had to phone me back to complete, I hesitantly did so, and found out they didn't close the account, So much hard work for them action with pity excuses, even posted letter twice had no effect, NEVER USE THIS COMPANY EVER BAD BAD BAD
Never got back to me
My partner and I applied for a joint bank account. We filled out the online application. Waited two weeks and hadnt heard anything. Sent an email stating our situation and asking how our application was going. Its now been five weeks and still no response. Needless to say we have joined up to another bank.
Will NEVER use HSBC
I applied online for a Low Interest Credit Card to help pay for a holiday. HSBC was recommended by the company I was booking with and told it would be an easy and fast process. It was a horrible process and because I needed it quickly rang them almost every day to see if it had been finalised and in the end, after being promised I would be called about the final outcome after receiving initial approval, they sent an email saying that my application had been rejected by HSBC!
I am extremely angry, frustrated and disappointed by my whole experi...ence. Not only has it taken a week to have my application finalised, their website wasn't working properly and it took me 3 hours to complete an application that should have taken 30 mins. The system never seemed to update itself so you never knew if they had the information they needed or not and in the end I had to ring someone to get that information. Even the emails I were sent were wrong. When I rang it got worse as I kept being promised my application would be finalized within an hour and it never was! I was promised this 3 times in 1 day & had to ring each time they didn't... When I told them this I was then told that I should never have been told that! To top it off the last time I rang after I was contacted again for more information again they promised it would take 1 hour!!!! Retrieving my application online was also an issue and it didn't matter what device I used to try to locate it! So after 7 days, at least 7 phone calls and more hours then I would care to remember I am no better off than when I started. Don't make the same mistake I did. Find someone else. HSBC is not worth the time and effort.
I joined this bank to get their global card when travelling overseas. I've never experienced such a complex online security system in my life. Dont get me wrong, ive got nothing against online security but the HSBC login, transfer money process is a joke. It is too complex and takes too long. I mean, logging on, generating the secure keys based on what transaction your performing etc. I do internet banking with ANZ and its easy to use
Applied for CC got conditionally approved and next day their customer rep made a call to verify and he just stupidly converted out home mortgage to Philippine peso just because he is based in Philippines! What a shame!!! after asking me for Billing statement declined my application! it is so pathetic why would you hire for customer rep based offshore and would convert the money to other currency?!?! Hsbc time to move your customer rep back to Australia!!!
Terrible App and unreasonable staff
I have a credit card with these guys and one day they called me to tell me too much money has gone into my credit card as payments in the last few months. The staff member questioned me on where I am getting money to make payments from? Just because I made some extra payments they call me to ask for an explanation on why I am paying extra?
A few weeks later they contacted me again to tell me that I am now actually spending too much money using my credit card. I have never seen this happen with any bank in my life!
Like what the heck is that?...Dont bank with these people theyre nosey and ask for information that isnt any of their business! How about they spend more time fixing this ancient banking app theyre forcing customers to use for the last 3 years +. The app looks like a web based app made in the early 2000s and functions like I have dial up Internet.
Terrible mobile banking app
I moved our home loan to HSBC about a year ago because they were offering a great rate and the loan suited our needs. We also moved the rest of our banking. No issues with the loan so far but I’m seriously considering moving all our business elsewhere because the mobile app is so shocking. Is this really a global bank with such a terrible app experience? I have no patience for it and would rather move all our banking than have to deal with the frustration caused by this primitive app.
Poor Experience Opening Saving Account
Very poor experience during opening an account online. The number of questions and type of questions is pretty "impressive", for example, I was opening a SAVING Account and the question was what would you use the account for? Well, let me think before I will give you an answer. Dear HSBC, opening an account in the 21st century using modern technology should take no more than 5 minutes!!
Terrible Customer Experience
Just signed up for their everyday global account as they offer an $100 bonus and 2% cash back on paywave subject to certain conditions, which is great.
The app is terrible. Extremely Slow, looks super ancient and I've found it to be buggy. The set of security questions, passcodes and passwords required to get the account fully working is nothing short of ridiculous.
Worst bank in the Western World - I'm dead serious
Outdated processes (requirement to fax forms in 2019!!), useless offshore call centre staffed by people who are in no way empowered to help with anything, total lack of customer centricity.
Almost comically complicated security screening process (comical if it wasn't so frustrating), heavy reliance on "Relationship managers" who they aren't even able to give you contact details for.
Every time I deal with them, I end up in a furious rage.. and I'm naturally a calm reasonable person. Trust me - they have an effect on you that I've not seen fro...m any other financial institution. Over time I have moved all my bank accounts (business and private), credit cards and home loans away from HSBC, one more to go and when done I will be burning all my HSBC cards and telling everyone I meet just how bad their service is. You have been warned.
- Verified customer
Worst Bank I have Ever Dealt With
No Customer Service. Never Send Statements. Useless Call centre in the Philippines. No One ever returns calls. A complete waste of time. Glad I have moved away from HSBC. Now persuing legal action for damages.
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