Reni Terezova's community profile page

Write a review

Viewing profile for,

Reni Terezova

Total reviews written

Helpful marks given to their reviews

Times reviews seen

All reviews (1)

Review of the HSBC, Bank account:

View on product page

The racial profiling HSBC do to people is just unbelievable

I opened my HSBC account back in 2016 when I was under 18; however, when I turned 18, they sent me a letter saying, "Now you are 18, and your bank account is growing with you", which should mean that they automatically transferred the account from a teen to an adult account. A few years later, up to today, I haven't tried to request any additional services from HSBC, however, I decided to request a credit card considering how many years I have had with them and that I wish to start building up my credit history. So I called them and asked what I should do to apply; they looked at my account and pointed me to their website, saying that the application could be done online. I filled up the application, and minutes later, I was refused a credit card. As anyone could imagine, I was shocked, considering my income and how many years I have had with them. I decided to visit the branch today and ask for more information about their decision to decline my application; at this moment, the HSBC agent discovered that when they were transferring my account from teen to adult, they did not remove some sort of a band, which usually put on teen account not allowing them to get any overdraft or credit. Bear in mind no one has notified me of this band or even said anything. When the agent realised that they had made mistakes tried to cover it up by saying that there may be other reasons for being declined, such as my personal information, continued to ask and check if I had been a UK resident long enough and if I have taxes in England which 1st sounded really discriminative second I don't think you will ask this questions an English person but because they see a woman from Europe they are racist as usual. Then he proceeded to say that my credit score may not be good enough, which is not true, considering my Experian credit score is good. This led me to call on the phone and rise a complain, so Alan picked up from customer support which then transferred me to Jijo his supervisor/manager which then transferred me to Kumar which is apparently the highest manager on the floor that I can speak to at the moment. He took the final details and said that the complain has been raised to the highest level and I should be waiting a call back. I asked to be given time frame for the call back in which he could not respond. Never the less this is the most horrible experience I had to deal with when it comes to banks, the racial profiling HSBC do to people is just unbelievable. Reviewed on: 22nd September 2023

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.