HSBC e-statement

I want to chiong sui itu HSBC e-statement function. I think it is stupid, and I don't know who designed the HSBC internet banking because the user-interface is really not user friendly.

The history is like this:

Don't know when in June or July, I hand itchy, go and click to apply "e-statement" function on the internet banking. And, I forgot to take note that once u applied "e-statement", the paper statement won't send to you anymore. Or either I read it and I think it was OK because I thought anything with "e-" should be user-friendly, and therefore I have the impression, I should receive the electronic statement on email, periodically, no sweat. And, I thought of going-green, save paper mah, no need to mail me paper, save some trees, and save HSBC postage, and hopefully these type of saving will help HSBC more profitable and in return gives us better service.

So, very sui also, I have a 8000 bill from insurance, charged to HSBC cc card in August. I didn't know about it, didn't know it was due because no paper statement sent to my house.

Then lately I suddenly feel uneasy, and checked HSBC online, shit, that 8000 was overdue. OK never mind. I know it might be over charge with some late payment, so i ask sister to bank in 8150. With hari raya and all that, the cheque reached them late also. Never mind, people one year raya once, i have to be understanding.

Then today I very free, so i go online and check again. Blardy hell, there's still RM171 outstanding. So expensive meh, i was late for only 2 weeks+ wor? I wanted to see what's this transaction all about even though i can guess it is the interest charges from the late payment. I called the old number 03-2050 7800. This number, got an auto recording lady voice, "you should call 1300881388, this number u calling is not available from Oct 1st 2009 onwards". I was quite angry because 1) today is still sept 30, not yet Oct 1st, but the number cannot be used already. 2) can't they think of some overseas caller that do not have access to 1300 number?

So, I go online again, trying to check what customer service number I can call to check the transaction. I checked and checked, whole of main page, tak ada. Google "HSBC Malaysia Customer Service Center", tak ada. Searched back the scanned copy of last 2 month statement that my sister email me, on the statement, ALSO TAK ADA. My head already got fire at that time. Then finally, from the left panel bar, under contact center, I clicked, it doesn't show phone number immediately, it showed the email. what the..... @#$%! Then finally i found the number. Luckily got the 03 number for oversea caller, if not i tell u my head got the bomb set off already.

Called the customer service. He confirmed it is financial charges for late payment. OK, never mind, who asked me late. But then I asked him why i don't get the e-statement or paper statement? His answer threw me off, "madam, u need to generate the e-statement, and go online again next day to download the e-statement. "

wahhhhhhhhhhhhhhh...........

I thought anything "e-" is something generated periodically and send to email. Since no trees were killed, why can't you make this periodically?

Then maybe I sumtong for my close to 300 financal charges, I said to him, "your system is very stupid. " As a professional customer service center official, shouldn't you replied, "sorry madam" instead of replied, "for whatever reason it is madam, I will opt you out from e-statement."

Hello HSBC internet banking designer, I urge you to improve your user-interface and the logic. You can refer to Maybank, their user-interface is so logically layout, I can know the transaction with no sweat with just few clicks. Not like yours, I click and click and click still cannot get what I want and I have to call long distance phone calls and then I thought saving some trees will do every citizens good but hey, those trees cost me 300 ringgit!!! that's too much. So, I opt back paper statement.

Sigh... I angry, but I still like to use HSBC cc card wor. How? Have to gut yat seng telan the complaint and continue use their service loh, how?