The other day Desjardins charged me 42,50$ for NSF check since HSBC system saved twice my request to transfer $1500 from my main Desjardins account to HSBC. I had $2000 so the second $1500 was blocked by Desjardins and Desjardins charged me $42.50 fee for NSF check.
I called Desjardins and explained the problem, they said it was HSBC's fault and they had the proof and 2 confirmation numbers from 1 second appart from HSBC asking for $1500 transfer. Desjardins voided my responsibility on my 1 NSF check of 2010 but it was still in my credit history.
I then called HSBC and spoke with a first representative who didn't return my calls and was always away from her bureau for about 2 weeks. Then I was transfered to another representative who was really comprehensive, asked to send a fax with a proof of the $42.50 Desjardins charged me, and did refund the 42,50$ within 1 week.
I was about to close my HSBC account because of that $&*@ up of their system but I'll give it another try since I find really useful being able to withdarw at any National Bank ATM and having unlimited amount of transactions to pay my credit card bills.
The day you become free is the day you work for fun.
December 12, 2009
That's good to hear and that HSBC even refunded an NSF fee charged by your other bank.
Curious though, I've never seen NSFs show up on your credit bureau. The only way I could conceivably see it show up is if the NSF created an overdraft for more than 30 days and they were unable to collect it or if it was a payment on a credit facility which now went into arrears and changed your R1 status to an R2 or R3. Can you post a screenshot of your credit bureau "snippet", but black out any names, balances, account numbers and other personally-identifiable information?