Telemarketers? Bill Collectors? Find out who….

Do you keep getting calls from this number?

(Keep reading to find out who it is and what you can do to make it stop.)

- “This morning so far I have received 6 calls from 1-800-446-1022 and it is only noon!”

– “I get daily calls from 800-446-1022. No one on the other end and they do not leave a message.”

– “I am sick & tired of these annoying phone calls from 800-446-1022. I have been on the “do not call” list for many months.”

They were calling me too. Relentlessly… five… six… eight times a day or more! The first call of the day would usually be right after eight o’clock in the morning. They would continue every couple of hours throughout the day and evening… usually right up to nine o’clock at night.

If I answered the phone, nobody was on the other end. If I wasn’t home, my answering machine would have a lot of calls but no messages. What the hell was going on?! It’s very maddening and upsetting. Just very, very annoying.

Well, it turns out it is HSBC. Who is HSBC? HSBC is a banking concern. According to their website, they are one of the top ten financial services company in the United States. If you have or ever had an Orchard Bank MasterCard, Direct Merchants Bank Platinum Card, GM Flexible Earnings Card, Direct Rewards Platinum Card, Best Buy Reward Zone MasterCard, or Union Plus MasterCard, you have done business with HSBC. They also offer many other products including checking and savings accounts, loans and mortgages, auto loans, insurance, credit management, and other services.

800-446-1022 is the number from their telemarketing division. They are calling to sell you other services (unemployment insurance for your credit cards, credit card upgrades, etc.). When someone does respond when you answer one of their calls that is what you will hear. Usually in broken English with a heavy accent from India.

I have a Direct Merchant credit card as well as an Orchard Bank credit card. After I pay off the remaining balances this month they will be history. I will cancel all my accounts that have anything to do with HSBC. I strongly urge you to do the same. Their sales tactics are totally annoying and absolutely should be outlawed. But since I can’t outlaw them the least I can do is cease doing any business with them. I urge you to do the same.

How to stop the calls. 1. Call them back. Call them back at the same number: 1-800-446-1022. You will hear an automated voice offering you different options. When I called them, the option I wanted was option # 2. (Listen carefully as they may have changed their phone menu.) Option # 2 is suppose to remove you from their call list. The automated voice will warn you that it can take up to 30 days for this to take effect. This is automated… you will not talk to a live person.

2. File a complaint with your State’s Attorney General. I have provided a list with all the phone numbers, mailing addresses, and websites of the Attorneys General for all the states. You should also file a complaint with the Better Business Bureau.

3. Get on the National Do Not Call list. Many states have also enacted their own Do Not Call registry. Note that if you have (or ever had) an HSBC-issued credit card or had any other kind of business dealings with them (checking/saving account, auto loan, mortgage, etc.), then being on the National Do Not Call list will NOT prevent them from calling you. However, if you ask a company not to call you (see # 1 above) then the company may not call, even if there is an established business relationship.

4. Call HSBC and let them know how you feel. You can also write them. (I will be listing their contact information shortly.)

5. Stop doing any business with them! Cancel all your HSBC-issued credit cards. Close any other accounts you may have with them. I will be posting a more complete list of all their products shortly.

I’m not one to say, “There ought to be a law!” but there should be… A real one!!!

I Hate Telemarketers!