Disgusted

Posted Fri March 24, 2006 9:30 pm, by Roseanne W. written to HSBC Bank USA

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On Thursday 3/23/06 my husband and I went into one of your branches. The reason was what had recieved a check from our dealership. They have an account with your bank. Now, my husband and I are not customers of the bank but, we were told that we could go to the branch and cash this check. Well we did that and when we went in, the young lady behind the counter was very nice but we were told we would have to speak to the branch manager. Well, we did that. Her name was Pat. This was the branch on route 9 in Wappingers Falls, NY. I have never encountered someone so nasty and rude. She said because we were non customers we could not be helped. The check could not be cashed. She stated it was policy. Then she said the we would need two forms of government ID. I had my job id but, my husband didn't have a passport on his person. She looked us up and down, now we were dressed casual but, I never thought because of the way a person dresses, that is the way they are treated. I was very disgusted. Then she said she would sign for the check this time and then proceded to try to get us to open up a account with your bank. I will never have an account with HSBC. You treat us like we are lower than dirt and then try to convince us to have an account. I have heard from other customer the same type of the thing. You need to send your employees to courtousy training. Forgive my spelling... Thank you for the time to read this letter but, if anyone asks my about a bank, I will not recomend yours...

Retrain your employees...

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Re: Disgusted by EricMV Posted Mon March 27, 2006 @ 10:18 PM It is customary for banks to cash their own checks at no charge regardless of whether you are an account holder. After all, they have real-time knowledge as to the validity of the check, and it is a courtesy to and expectation of their customer on whose account the check is written. Surprisingly to most people, it is not actually the law that banks have to cash their own checks at no charge. What's unclear from your letter, however, is whether you had any standard valid ID (such as a driver's license). I think what you're saying is that you had one form, but not two. If that is the case, I completely agree with your letter. They were jerking you around and at the same time monkeying with decades or maybe centuries of standard banking practice. If it's any small consolation, other banks are trying to pull this same nonsense; it's not just HSBC. Reply Re: Disgusted by S. Brown Posted Mon March 27, 2006 @ 2:07 PM I completely agree with the previous poster - - you were trying to cash a check at a bank where you don't have an account and you did not have standard ID available to prove your identity. It sounds like you are the one that need "retraining" in what constitutes proper identification. Reply Re: Disgusted by geebee Posted Mon March 27, 2006 @ 1:29 PM Let me get this, you were trying to cash a check with no identification other then your work ID. The concern is probably not with the funds being there for the check, but you proving you are the person on the check. If someone stole that check from you, you would be happy they were checking IDs. Reply