
Quoting
whenitrainsitpours
My question involves a banking matter in the State of: California (Bank is HSBC Bank Nevada, N.A. (Carol Stream, IL)
On December 2nd I received a "Notice of Change in Terms" sent via regular first class mail, it is not dated anywhere. It stated that they are implementing changes and my APR, late / over limit fees etc. are all significantly going to increase on both my current account balance and future purchases.
The notice specifically states, "The new terms will apply to all new and existing balances unless you notify us in writing that you do not accept this change. We must receive your notice within 30 days of your receipt of this notice. You must include your name, address and account number and mail it to..."
I have multiple accounts with this bank, they did not indicate which account this was for, by including the last 4 digits or anything of that nature. So I started calling every number I could find related to my accounts asking if they had sent this to me, finally I was able to confirm which account it was regarding and therefor able to send my opt out letter with the information they requested.
I sent them the letter, with every bit of information just as requested. I sent it Priority with delivery confirmation to prove it was sent and retained a copy.
Today I received a letter from them, acknowledging that they received my request to opt out, however it was received "past the deadline" and for this reason my account will stay open and subject to the new terms.
This reply letter was dated, exactly 3 weeks from when I received the notice.
What do I do from here?
They sent me the first letter, in an unidentifiable manner, not dated or even post marked (pre-paid postage printing) so I can't "prove" when I received it, but they also can't prove when they sent it. They deviously made it difficult to identify the account the notice was regarding and after jumping through every obstacle they had put in front of me, within the terms they stated, they are now saying my request was received past the deadline when it was absolutely not? Have they positioned themselves to where I can't prove that, by the ambiguous "30 days after receiving the letter" without a hard set date defined?
please help.