I sent this to the World’s Local Bank today…
*****
I would like to voice my dissatisfaction about a recent bad experience with HSBC service.
Today, I was trying to transfer a certain amount of fund to a third party (who owns a HSBC acc) through your Internet transfer function. But however, when I was trying to do that, I was prompted with a message that my transfer limit has been reduced to Zero and was given a 1300 number to call.
I called the number and after being made to wait for approximately long enough to cook a pack of instant noodles, I was greeted with a helpdesk personnel who can’t seem to help me at all with my transfer problems. He later asserted that my transfer limit has been reset to ZERO due to my inactivity in transferring money to any third party accounts for more than 1 year, and subsequently, nulled my transfer capability. In order to regain my account’s online transfer capability, I’ll have to reinstate my transfer limit with the bank.
I asked if there’s anything the online guy can somehow help me reinstate that transfer limit, I was asked for my telebanking pin number (which I don’t remember, since i have been doing my banking ONLINE for the past couple years). I have my internet security clearance, my ATM pin and even all the information about my own self to prove that I am me, but I still need the goddamn telebanking pin to get my transfer limit set.
I asked again if he can help me get the pin, he said I need to personally go to the bank to get that. How convenient is that. All the troubles, so that I can comfortably sit on my chair to do my internet banking. Wow. I then politely thanked that helpdesk vegetable and hung up.
Then, I found a ‘request telebanking pin’ at the menu on your online banking page on the left. I lighted up like a bulb and clicked on it. Lo and behold, I was prompted with that 1300 number again - WHICH, I’ve already called earlier (and already learnt that it’s useless). I got frustrated and gave up on everything. I finally changed my mind about transferring that amount of money to my friend who’s probably starving to death waiting for that CD-R money he paid in advance for my squandering ass. Good for you HSBC, you’ve just psychologically influenced me to change my mind on executing an action in reality through your bureaucratic mind-numbing requirements.
I was wondering, what is the logic behind such a ridiculous rule (that stupid one year inactivity rule). If I had already set a limit previously, and why in the world would I want it to be nulled a year later? If I want it nulled, I would have told you myself, right? The purpose of online banking is to have that convenience of being able to exercise my banking at home, anytime at my discretion. Now this rule, voids that purpose.
If this is about security, then haven’t you guys already implemented that battery operated security code doohickey for us to press at to get online? Isn’t that supposed to prevent terrorists from unrightfully transfer our hard earned money into their camel’s account somewhere in the Middle east? I really do not get this.
This, clearly, is not my idea of a good customer experience. Probably this feedback of mine matters not to you, since I’m not a millionaire who’s going to make any difference to your corporate’s wealth reserve or something. But the least I think what can happen, is a few more unhappy customers like me, would relate our negative views to our relatives and friends, who in turn, would do the same to their friends too, and the idea would exponentially ramifies into a larger audience, and by then, all your credit card salespeople would have to peddle for pirated DVDs to make up for the lost income. It wouldn’t be good.
So, I hope that you - whoever’s logging this feedback message - would take this seriously, and use it to improve your future service.

