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標題: HSBC [打印本頁]

作者: bubblesalt 時間: 2011-3-24 17:18 標題: HSBC

I am trying to change bank from "S" Bank to HSBC as they are closer to me, but I just experienced the worst customer service.

I went into the bank (No 3 Road and Saba HSBC), talk to this guy name Derek, he's pretty nice, answer questions, etc.  So I tried to call him last week to see what I told him to do is done as I see it's not moved yet, can't find his business card, so I call the branch and the following happen

1) Guy 1 said oh sure, I will tranfer you, then transfer me to telephone banking automated service..

2) Girl 2 said oh there is no Derek at that branch, I said oh, I think it was Derek, transfer me, then she transfer me to this Pizza place in Burnaby.  WT?

3) Guy 3 said Oh soooo sorry, let me find you someone, then hung up one me.

By this time I am getting mad, so I select Cantonese, this girl answer, I gave her all my personal account info, and she said I never talk to anyone name Derek, I said I am almost 99% sure it's Derek, and she said "小姐, D-A-V-I-D 係讀David ah!". I was sooo pissed, I go "I know, but I am looking for DEREK!", she said we don't have any Derek's", I said "whole HSBC, not a SINGLE Derek, you 100% sure!"  Then she said what you want me to help you" , I said "oh just get ANY FA to call me"

That was last week!!  I called again this week and still the same thing, one guy transfer me to this bakery, this lady said " you looking for a bank, yeah, they always tranfser people here".

How UN-professional ARE they? I finally dug through EVERYTHING and found that business card, and his name IS Derek!

I have $XXX,000 money coming in, and I am starting to NOT want to give them my business anymore, anyone have any banking suggestions?

作者: librazhy 時間: 2011-3-24 18:13

在SCOTIA BANK儸張$XXX,000本票﹐去任何一間銀行都開倒投資戶口。唔明妳的困難是甚麼

作者: low_B 時間: 2011-3-24 18:36

I think HSBC is really bad custosomer service.....so I changed it to TD long time ago

作者: bubblesalt 時間: 2011-3-24 18:57

I think HSBC is really bad custosomer service.....so I changed it to TD long time ago
low_B 發表於 2011-3-24 18:36

Is TD good? They are open all the time now...

作者: RXKEN 時間: 2011-3-24 20:02

I always do my banking on NO.3 at Saba HSBC...
Never experience any problems......maybe I was using a premier account?

or I was just lucky

作者: koomond 時間: 2011-3-24 20:48

I quit using HSBC about two years ago because of their customer service.

作者: supersuper 時間: 2011-3-24 21:15

i think all bank customer service are suck, i am not using HSBC now, but i think when you call the phone number, its connected a call center which means they are not really the people on the branch.

suen la, thats life!

作者: low_B 時間: 2011-3-24 22:10

I know HSBC have alot of service charge

作者: fibbi 時間: 2011-3-24 22:45

I don't like HSBC server from day 1....
I think TD is pretty nice. Royal bank is ok.

作者: ravemother 時間: 2011-3-24 22:45

based on the amount they get paid, you can expect too much from them.

作者: 匿名 時間: 2011-3-25 00:33

咪算好囉﹐好多 telephone banking 係轉去印度﹐那些亞差又唔響分行做﹐口音又重﹐又唔明你講咩﹐那些更差。。。許多信用卡公司係外判印度做電話理財架。。。

你要找人幫你投資﹐事但一家都 LUR 飯應喇﹐打乜鬼電話﹐求其入去一家分行﹐話你想投資﹐馬上 VIP 服務喇﹐即刻有人黎幫你﹐等都唔使等﹐你咪話我話喇

不過﹐說回來﹐真的別用 HXBX﹐他們服務真的差透﹐我們最近也轉走晒D錢﹐因為真的非常差。。。我建議你去 RBC 或 TDCT﹐BMO 也OK﹐不過一間間。。。。

作者: hofung 時間: 2011-3-25 03:14

I use HSBC since 1985. Then it gets worse and worse. Adding new services charge here and there. Finally I had enough last year and moved everything I have to TD bank.

I have used HSBC, TD, Royal, Scotia, CIBC, Vancity and Bank of Montreal. This is my rank from good to bad:

TD
Royal
Scotia
Vancity
Bank of Montreal
CIBC
HSBC

作者: kingkong123 時間: 2011-3-25 06:41

电话转左去pizza 店？？？

系咪给人玩prank call 啊？想唔到银行都甘具娱乐性

作者: tiffiant 時間: 2011-3-25 07:12

how do you move money from one bank to another bank?

作者: masterbear 時間: 2011-3-25 08:39

TD good and HSBC extremely SUCKS!! Unless u are Millionare to Billionare from Mainland C. Otherwise they treat u Sxit

I've just quit HSBC's master card cause the called centre asked me tons of Multi Choice questions (some of the ABCD answer with no of the above) and make me extremely upset! Don't forget I tried to renew but not anything.... HSBC BYE and I will not a coustomer with u rest of my life

作者: bubblesalt 時間: 2011-3-25 09:24

I am not getting them to move cash, I did that all myself already... I have about $20,000 RRSP in "S" bank so HSBC have to move that for me, I told Derek to move it over a month ago and it's not done, I went to the teller one day (Derek wasn't there) and they said oh you can just call customer service and they can tell you the process, that's why I called them...

My ex is giving me XXX,000 (seperation agreement), and that is new money to the bank, so I was thinking where should I put that money, like previous post said, any bank would want that money....

作者: satil 時間: 2011-3-25 10:38

所有bank都分客戶等級, HSBC分為10級, 如果你是開Premier戶口, 你會是7-10級, 當他們看到你張bank card 或call 咗你個account上mon, 他們連面口笑容都會變好, 立即改口叫你個姓'先生','太太''小姐'.'有怎麼需要...'.

作者: satil 時間: 2011-3-25 10:41

回復 16# bubblesalt

for $xxx,000, go HSBC open a premier account, they will be a personal account manager direct handle u. under their downtown premier office. very good sevice. forget about the local branch.

作者: satil 時間: 2011-3-25 10:50

回復 5# RXKEN

全對! 他們最好的teller (一般年資最高) 就放在premier條line. 其他teller通常都係十吓十吓.

作者: ravemother 時間: 2011-3-25 18:44

how do you move money from one bank to another bank?
tiffiant 發表於 25-3-2011 07:12

Cheques? Draft?

if you are transfering RRSP/TFSA to other FI, the receiving banks will, usually, absorb the transfer out cost for you.

作者: low_B 時間: 2011-3-25 20:54

No...my dad put $300000, they still the same ah....

作者: librazhy 時間: 2011-3-25 21:01

$300000 定期﹖好奇地問,年利息有幾多%

作者: creamy 時間: 2011-3-25 21:01

right, they are only nice to you when you transfer in your $X00,000, after that it's the same sh!tty service

I use to bank with them as well, gave up when I called for something and got directed to the call centre who then 1) redirect me to the wrong department, so i called again, 2) redirect me to a different department, wrong department, then hung up on me, 3) different company (not a bakery though)

Never again

作者: 小叻 時間: 2011-3-25 21:04

Is TD good? They are open all the time now...
bubblesalt 發表於 24-3-2011 18:57

TD is much better~ I have both HSBC and TD...my company require to deposit my salaries into HSBC, so I need to keep that ****.... Last time it took me more than 35 mins to cancel my safety deposit box at aberdeen.. the mid-age lady is not even trained to do such a simple task..I have to wait and wait and wait until she found someone to help her and wait and wait and wait again for each time she needs to double check with someone..and those someones are also not well trained...come on! I switched my SDB to TD, and took me less than 10 mins to open a SDB and put my stuffs in!!

作者: rainbow-davie 時間: 2011-3-26 16:19

suggest: CIBC for professional service or RBC
if look for friendly and cheaper fee, coastal. they are still professional. .don't get me wrong.

作者: ravemother 時間: 2011-3-26 16:23

$300000 定期﹖好奇地問,年利息有幾多%
librazhy 發表於 25-3-2011 21:01

at about 1.5%

depends on if the GIC is redeemable or non-redeemable and your relationship with the bank. good relationship can get u a better rate.

作者: librazhy 時間: 2011-3-26 19:56

at about 1.5%

depends on if the GIC is redeemable or non-redeemable and your relationship with th ...
ravemother 發表於 2011-3-26 16:23

do you know which bank has the lowest interest rate for line of credit?
for ?%

thx

作者: satil 時間: 2011-3-26 20:12

having prime -0.25 with HSBC now on line of credit .. when prime is higher about >6%. .i have prime -0.75 ~ -1.25.

作者: 匿名 時間: 2011-3-26 20:13

回復 bubblesalt

for $xxx,000, go HSBC open a premier account, they will be a personal account man ...
satil 發表於 2011-3-25 10:41

Premier 的 AM 一樣差到痺﹐HSBC﹖都係算吧喇

作者: librazhy 時間: 2011-3-26 20:31

http://www.bankofcanada.ca/en/rates/digest.html

not sure if I read it right, is the prime = prime business rate = 3%?

so hsbc gives 2.75% line of credit?

is there any addition surcharge fees on top of 2.75%?

thanks

作者: satil 時間: 2011-3-26 21:45

回復 29# 匿名

so far我個am, ok 喎. 又快又靚女.

作者: satil 時間: 2011-3-26 21:58

回復 30# librazhy

i am hsbc customer for 23yrs, and i have premier account since they start this service about >10yrs. all my money go through this account. it build up history, and they serve me good. they give me good rate, even currency conversion they have better rate. wire transfer, bank draft.... all most everything free. .simply a email or phone call . they done it fast.

I am not talking about BRANCH, they all suck.

作者: librazhy 時間: 2011-3-26 22:12

In reality, I don't have premier account. But I can use that 2.75% line of credit interest rate as a reference. It's because I have a home mortgage loan of 2.95% interest rate with a maturity date of 2011 October. I was thinking about getting a 2.75% line of credit to fully replace the home mortgage loan...

1) I'm not sure if the banks actually allow me to do that

2) I'm not sure when it's come to real calculation, will I gain or will I lose money. I have a feeling that line of credit would contain a fee or a surcharge of something.

Anyways, thanks for all the information. I've open another thread to explore more for that

作者: dith1019 時間: 2011-7-13 10:15

My dad LOVEd HSBC in HK, and was a loyal customer for 30+ years. Therefore, when we came to Canada, he went to HSBC too. He was pissed off regarding their services. So now all of our family member used Royal Bank instead=)

作者: Look4chrisng 時間: 2011-7-14 13:09

回復 33# librazhy

Librazhy. If you are flexible and able to gamble a bit for a lower rate. 5 yr closed variable is always cheaper than LOC.

I heard you can get 5yr closed variable for prime -.75. (I am not telling you to do closed variable, but it's just cheaper than LOC)

作者: 匿名 時間: 2011-7-15 00:53

問題係﹐要計埋 amortization﹐用 LOC 同 mortgage 系兩回事黎﹐最好叫你個 banker 做個 demonstration 比你 compare。。。因為唔同 product 系切合唔同的需要。。。看個人本身情況﹐不能單看幾多厘黎做決定。。。

作者: 匿名 時間: 2011-7-15 00:58

講返 hsbc。。。他們的 AM 響基金方面的知識好唔掂。。。上次去見她﹐全部都比我入到位﹐若我是一個麻煩鬼婆﹐她已經被我告到要賠錢。。。不過中國人一般都比較好人﹐多一事不如少一事﹐唔會因這樣而告她﹐只會拿走D錢。。。但她真的犯晒所有禁忌﹐犯晒規﹐好唔掂。。。建議大家要買基金﹐唔好找 hsbc 的 AM﹐她們的培訓絕對係唔夠﹐特別係本拿比那家﹐唔信你地 walk-in 入去問野﹐你就知我的意思。。。完全只識 sales talk﹐ compliance 完全唔掂。。。真係祈禱她們唔好遇著D麻煩客﹐不然 hsbc 實被人告死。。。

作者: Look4chrisng 時間: 2011-7-15 08:49

HSBC doesn't even have the most basic customer services.

I booked an appointment for RRSP, but the AM was a no show. The front desk told us we wait. Still on one is available for another 30min. No follow-up call from the AM to apologize.

Then we called the AM to complaint, and close the acct. He still has the balls to charge cancellation fees.

The new management is not very good to stockholders either.

作者: sko 時間: 2011-7-15 10:21

回復 librazhy

Librazhy. If you are flexible and able to gamble a bit for a lower rate. 5 y ...
Look4chrisng 發表於 2011-7-14 13:09

I got prime -.85 for my 5-year closed variable. Would have been prime -.90 if my amortization year was longer.

作者: Look4chrisng 時間: 2011-7-15 11:33

sko:

When you pick 5yr closed variable, it must make sense to your situation. Can you share your reason for choice this?

作者: sko 時間: 2011-7-15 12:27

sko:

When you pick 5yr closed variable, it must make sense to your situation. Can you share your r ...
Look4chrisng 發表於 2011-7-15 11:33

I'm not in the banking industry but I was advised this would be my best bet of all variables. And after doing a bit of homework myself and basing on my current situation, I am choosing 5yr closed variable because:
- I do not plan to sell my place in the next 5 years
- This option gives the lowest possible interest rate
- Bottom line returns to the fixed vs variable dilemma in which I would choose variable
- If interest rate rockets up, you can always change it back to fixed
- Side note: "Studies by Dr. Milevsky of York University have shown that between 1950 to 2007 one in seven Canadians who choose variable rate mortgage saved an average $20,630 on interest payments per every $100,000 over 15 year period, due to lower interest rates offered on variable mortgages."

作者: Look4chrisng 時間: 2011-7-15 13:18

wow, so you can always locked into fixed rate anytime. It is pretty good.

作者: 小叻 時間: 2011-7-15 14:53

sko:
I got prime -.85 for my 5-year closed variable. Would have been prime -.90 if my amortization year was longer.
Look4chrisng 發表於 15-7-2011 11:33

Sko, which bank can get you P - .90 ah? pls let me know. thx

作者: sko 時間: 2011-7-15 15:26

Sko, which bank can get you P - .90 ah? pls let me know. thx
小叻發表於 2011-7-15 14:53

RBC (friend's rate).

I've also tried TD friend rate, and HSBC advanced acct rate.. both terrible compared to RBC's P-.9~

作者: supersuper 時間: 2011-7-15 17:22

- If interest rate rockets up, you can always change it back to fixed

when you lock into fixed rate at that time, r u able to get the same fixed rate as today?

作者: 匿名 時間: 2011-7-15 20:21

I'm not in the banking industry but I was advised this would be my best bet of all variables. And ...
sko 發表於 2011-7-15 12:27

你呢個選擇必須肯定你有好朋友或者 banker 幫你﹐因為而家利息低﹐往上的機會高。。。。要他在內部知道會調高 prime rate 的時候隨時提醒你 (一般公司內部會 smell 到預先知道)﹐不然當 prime 調高時﹐你就沒法拿到現時 5-yr closed fixed 的好利息﹐記住在 5yr closed fixed 開始有跡象上昇時鎖定。。。其實以現時的好利率﹐應該鎖長D﹐若果你沒計劃賣樓的話。

還要注意由 5-yr closed variable 轉 5-yr closed fixed or other terms 有否費用﹐很多公司有的﹐特別是那些財務公司。。。

很多連 pay 10% lump sum都會收費﹐而且不便宜。。。

做按揭之前最好做多少少功課。。。

作者: instantnoodles 時間: 2011-8-5 09:59

I know most of us are cantonese speaking here...but if you speak cantonese at HSBC they will ALWAYS give you better service. Never ever speak english...they will give you the WTF face. This is just from my experiences at HSBC...

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