Update 9/15/2010: I got a friendly email from Betsy Kessler at HSBC Corporate and another from Joshua Carrick at my local branch. I suggested that the ideal process for me would be 1) Call my local branch; 2) Order Euros; and 3) Get notified by phone or email when they arrive. Interestingly, a Tweet to the HSBC Twitter account about this post (and subsequent re-Tweets from others) went unnoticed. But, I do give HSBC good marks for the follow up. Not fast by idealized social media standards, but basically good. I’m hoping they’ll pass my suggestions up the line to management. This stuff should be easy to get right.
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Is your organization set up to enable customer service, or completely disable it? Here’s a good example of what not to do.
My local bank in Manhattan is HSBC. Our tiny nest egg there entitles me to the status of “HSBC Premier“. It’s sort of their version of First Class, with all that implies.

The HSBC Premier web site oozes with fulsome promises: “international recognition”, the extra mile”, and “HSBC Premier makes the world accessible to you in over 40 countries and territories worldwide”
HSBC Premier Service In Action (Actually, Inaction)
So this morning I decide to call my local HSBC branch to order some Euros for an upcoming trip. 
I looked up the phone number, but…. HSBC doesn’t allow you to call the bank directly. Excuse me? What? Seriously?
So, I called the handy HSBC Premier phone number.
Surely if they could “make the world accessible to me”, it would be a piece of cake to give me a 7-digit phone number.
The HSBC Byzantine Voice-Response Rat Maze
I dial HSBC Premier, and the phone rings. And rings. And rings.
And… picks up. I am placed into a marvelously intricate, Byzantine voice-response maze. After about 3 minutes, a miracle occurs: I navigate to “locate a branch”.
A few minutes later, I navigate to “bank details”.
It has now been 5 minutes. I still don’t have my bank’s local phone number. Or Euros. Nor, apparently, do I have any common sense. Against my better judgment, I persist.
At Last, A Human!
I’m finally connected to a very nice customer service lady named Andrea.
TOM: Hi Andrea, I’d like to order some euros from my local branch. Can you please give me the phone number?
ANDREA: I can’t do that.
TOM: Really? You can’t give me the number of my bank branch?
ANDREA: We’re not allowed to give that information out. We can connect you to the branch. Maybe they can give you the number.
TOM: Sure, please connect me.
Generic Hold Muzak. Static. Several Minutes Later…
At long last, Andrea returns.
ANDREA: Mr. Cunniff?
TOM: Yes.
ANDREA: I talked to the bank. They said you could order the Euros through me.
TOM: OK. Andrea, I know it’s not your fault, but… boy does HSBC make this process difficult.
ANDREA: Well it would be the same process if you went to the bank and so you can order the Euros through me.
I go on to tell Andrea how many Euros I need.
What Is Being An HSBC Premier Member Worth? It Costs You $8.95.
ANDREA: OK. We can have these delivered to your branch. It can be there in two business days and there’s an $8.95 charge.
TOM: Really? The bank has never charged me for getting Euros before.
ANDREA: Well if you don’t want the Euros delivered you can always go to our branch in midtown Manhattan and get them there.
TOM: Well, kind of the entire point of my call was my hilariously delusional notion that HSBC might do something to make this easier for me. Can I call the midtown branch to make sure they have Euros, so I don’t waste a trip?
ANDREA: We can connect you to the branch. But I can’t give you the number.
It’s almost a half hour since I started. I still don’t have my bank’s local phone number. I am no closer to having Euros for my trip than when I started.
On the plus side, I do have some acid reflux going.
I Decide To Offer Feedback
TOM: Andrea, I know you’re doing your best but this process is pretty impossible. Is there a place I can go leave feedback about the process?
ANDREA: No.
An uncomfortable silence.
TOM: Seriously?
ANDREA: Well, you can leave feedback with me and I will pass it along. It goes in your profile.
TOM: OK. Let me know when you’re ready.
ANDREA: I can’t find it on the screen. They don’t make it easy.
TOM: Andrea, I think we’ve identified HSBC’s problem right there.
I left my feedback with Andrea (who I would imagine is now as tired of HSBC as I am), and included my phone number for someone from HSBC to follow up.
My phone hasn’t rung yet. I’m guessing it never will.
And Then… I Gave Up
At that point, I did what I should have done about 28 minutes earlier: I gave up.
Here’s the weird thing. I actually like HSBC. I like the tellers at our local branch. They’re really nice to my wife and I when we go visit. Nothing is a big problem.
But I get the feeling that on a corporate level, their customer service is designed as a barbed-wire fence to keep customers out. The hope seems to be if they make it difficult enough, you will just go away and solve your own problems elsewhere.
And, I just might. I’m considering moving my account to a different bank.
P.S. At lunch, I drove over to the HSBC branch near my office in White Plains. They couldn’t do anything about helping me get Euros, because their “process is changing”.
I might have known that if I had called in advance, but… you guessed it.
HSBC won’t let you call the office directly

Photo credits (all Creative Commons licensed):
Euro: Public Domain Photos on Flickr
Rat: Infrogmation on Flickr
Facepalm: Cesara Studillo on Flickr
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