Problems with HSBC credit card

schiff

I've come to dislike HSBC for its lack of ease to do normal things and the extreme difficulty getting anything concrete out of them.
I have a new CC with them, the first DD was a couple of weeks ago. Checking that everything was in place for the DD from Lloyds to HSBC, I was shocked to see that the HSBC CC number showing for the DD at Lloyds was different from my HSBC CC number (the first 8 numbers the same, the last 8 different). So I cancelled the DD and made a debit card payment. As it was last minute both went through but a couple of days later the DD payment was reversed. Neither of the payments in and out showed at Lloyds.
My other CC DDs at Lloyds show the precise CC number apart from Santander who show a long reference number unrelated to my CC but it's never been a problem.
So I reset the DD with HSBC via a weird system I've not met before involving Adobe.
I've had confirmation from HSBC today that the DD has been set up, they don't name the bank though I asked them to name it.
The DD is registered at Lloyds and it's got the same different/wrong number as last time.
Is this typical of the way HSBC works? Who 'owns' the incorrect HSBC CC number ?

GalacticaActual

I have a HSBC Credit Card paid in full every month by Direct Debit. I have just checked the Direct Debit mandate via online banking (it's paid via a HSBC Bank Account) and, as you have pointed out, the first eight numbers are the same but the last eight numbers are completely different.

There haven't been any problems with payment of my credit card via DD at all. Strange that the last eight digits are different though 

schiff

TY - I had decided to let the next DD run as it stands to see what happened. Your reply indicates that it will be OK. As you say it's strange. Its similarity to another CC number is something that, from my experience, HSBC wouldn't explain. I've been using them for RSs including their own which I've decided not to renew, and once the remaining couple of RSs mature in October, it will reduce my involvement with HSBC to just the CC. Lloyds and Santander are dreamland in comparison. 

born_again

Your CC has a account number & a card number. Both are 16 digits. If HSBC have set up the DD, then it is the correct details.

Robert14

I applied for an HSBC credit card via MSE and was accepted. I requested that my outstanding balance from my Sainsburys CC be transferred to take advantage of the interest free period on the HSBC card.  I spoke to the customer service centre in order to obtain a security number for online banking, at which stage the transfer of the balance took place - or so I thought!
It was only when I viewed my statement online that I became aware that a duplication of the balance had been transferred.
In other words double the amount actually outstanding, plus two separate fees for the transactions, only one of which is correct.
I have spoken to customer service, used the online "chat" service and completed a formal complaint using HSBC online complaint form, but as yet to no avail. Apart from acknowledgements to the complaint, no positive action has been taken. Apparently I need to wait another 4 weeks before I can escalate this via the Financial Service Ombudsman. Has anyone had a similar issue with HSBC or any advice? 

[Deleted User]

You have to wait 8 weeks or until the bank issues a deadlock letter, though if the investigation is still going on, sending it to the FOS is pointless as they have a huge backlog and the bank might stop looking at the case once they know it's with the FOS

cymruchris

schiff said:

I've come to dislike HSBC for its lack of ease to do normal things and the extreme difficulty getting anything concrete out of them.
I have a new CC with them, the first DD was a couple of weeks ago. Checking that everything was in place for the DD from Lloyds to HSBC, I was shocked to see that the HSBC CC number showing for the DD at Lloyds was different from my HSBC CC number (the first 8 numbers the same, the last 8 different). So I cancelled the DD and made a debit card payment. As it was last minute both went through but a couple of days later the DD payment was reversed. Neither of the payments in and out showed at Lloyds.
My other CC DDs at Lloyds show the precise CC number apart from Santander who show a long reference number unrelated to my CC but it's never been a problem.
So I reset the DD with HSBC via a weird system I've not met before involving Adobe.
I've had confirmation from HSBC today that the DD has been set up, they don't name the bank though I asked them to name it.
The DD is registered at Lloyds and it's got the same different/wrong number as last time.
Is this typical of the way HSBC works? Who 'owns' the incorrect HSBC CC number ?

You should have let the DD do its thing. It's likely that HSBC use their own internal number reference system when it comes to the DD. It's not actually a problem with the HSBC card - but a perceived problem that you see because of how other banks deal with the same task. If you'd let it do its thing - it would have done it - and you'd have nothing to worry about. I have a HSBC credit card and direct debit - and it all works flawlessly. So in effect, as per your thread title, it's not actually a problem. 

schiff

cymruchris said:

schiff said:

I've come to dislike HSBC for its lack of ease to do normal things and the extreme difficulty getting anything concrete out of them.
I have a new CC with them, the first DD was a couple of weeks ago. Checking that everything was in place for the DD from Lloyds to HSBC, I was shocked to see that the HSBC CC number showing for the DD at Lloyds was different from my HSBC CC number (the first 8 numbers the same, the last 8 different). So I cancelled the DD and made a debit card payment. As it was last minute both went through but a couple of days later the DD payment was reversed. Neither of the payments in and out showed at Lloyds.
My other CC DDs at Lloyds show the precise CC number apart from Santander who show a long reference number unrelated to my CC but it's never been a problem.
So I reset the DD with HSBC via a weird system I've not met before involving Adobe.
I've had confirmation from HSBC today that the DD has been set up, they don't name the bank though I asked them to name it.
The DD is registered at Lloyds and it's got the same different/wrong number as last time.
Is this typical of the way HSBC works? Who 'owns' the incorrect HSBC CC number ?

You should have let the DD do its thing. It's likely that HSBC use their own internal number reference system when it comes to the DD. It's not actually a problem with the HSBC card - but a perceived problem that you see because of how other banks deal with the same task. If you'd let it do its thing - it would have done it - and you'd have nothing to worry about. I have a HSBC credit card and direct debit - and it all works flawlessly. So in effect, as per your thread title, it's not actually a problem. 

You can't blame me for being cautious, especially in today's climate. I didn't know HSBC had a system of having a reference so uncannily similar to the CC number (same eight numbers etc) showing as my DD event. It's since been explained for me. It's a stooze card and we all know what happens if you are late making a monthly payment. I played safe, thinking that my DD may be taken from somebody else's card, cancelled the DD and made a FP. I'm now OK for the future.

p3ncilsharpener

schiff said:

cymruchris said:

schiff said:

I've come to dislike HSBC for its lack of ease to do normal things and the extreme difficulty getting anything concrete out of them.
I have a new CC with them, the first DD was a couple of weeks ago. Checking that everything was in place for the DD from Lloyds to HSBC, I was shocked to see that the HSBC CC number showing for the DD at Lloyds was different from my HSBC CC number (the first 8 numbers the same, the last 8 different). So I cancelled the DD and made a debit card payment. As it was last minute both went through but a couple of days later the DD payment was reversed. Neither of the payments in and out showed at Lloyds.
My other CC DDs at Lloyds show the precise CC number apart from Santander who show a long reference number unrelated to my CC but it's never been a problem.
So I reset the DD with HSBC via a weird system I've not met before involving Adobe.
I've had confirmation from HSBC today that the DD has been set up, they don't name the bank though I asked them to name it.
The DD is registered at Lloyds and it's got the same different/wrong number as last time.
Is this typical of the way HSBC works? Who 'owns' the incorrect HSBC CC number ?

You should have let the DD do its thing. It's likely that HSBC use their own internal number reference system when it comes to the DD. It's not actually a problem with the HSBC card - but a perceived problem that you see because of how other banks deal with the same task. If you'd let it do its thing - it would have done it - and you'd have nothing to worry about. I have a HSBC credit card and direct debit - and it all works flawlessly. So in effect, as per your thread title, it's not actually a problem. 

You can't blame me for being cautious, especially in today's climate. I didn't know HSBC had a system of having a reference so uncannily similar to the CC number (same eight numbers etc) showing as my DD event. It's since been explained for me. It's a stooze card and we all know what happens if you are late making a monthly payment. I played safe, thinking that my DD may be taken from somebody else's card, cancelled the DD and made a FP. I'm now OK for the future.

Using the direct debit system takes responsibility out of your hands. If they'd made a mistake they'd need to rectify it, including reinstating any promotional rates.

Robert14

Farfetch said. "You have to wait 8 weeks or until the bank issues a deadlock letter, though if the investigation is still going on, sending it to the FOS is pointless as they have a huge backlog and the bank might stop looking at the case once they know it's with the FOS"

Thanks, but what other redress do you suggest then? Cheers

[Deleted User]

Robert14 said:

Farfetch said. "You have to wait 8 weeks or until the bank issues a deadlock letter, though if the investigation is still going on, sending it to the FOS is pointless as they have a huge backlog and the bank might stop looking at the case once they know it's with the FOS"

Thanks, but what other redress do you suggest then? Cheers

Unfortunately the wheels turn slowly in these investigations, the option to send the case to the FOS is available after 8 weeks but it's probably better to leave it with the bank for the moment, but chase regularly, politely, and ask for a manager if the agent is unable to provide anything useful. Document everything, names, call times etc as it will help if the case goes to the FOS.