HSBC

I contacted HSBC corporate office to see if I could lower my interest rate for the second time. When my wife and I took out the loan, our credit was marginal and we were assured that by paying our payment on time for one year, they would lower the interest rate a couple of points each year. The first day in their office, we went home with info about the payments on how long to pay back and interest rate for the first year.

We received a call early the next day asking us if we had made up our mind and at this time, I should have seen it coming but I didn't. They were pushing hard to close the deal as soon as they could. But why? We went in the next day to close. We left the office satisfied. We didn't overlook anything. Four to five days later, I was suppose to go back and pick up a few papers to complete the agreement. I found the place locked up and all the furniture gone like nobody was ever there. I called their main office to find out what happen and they couldn't tell me anything.

After 6 years of being a faithful credit card customer with the Household Bank Mastercard, I logged in to my account to find that my credit card available had been drastically dropped without even being notified. After contacting the company, all I received was a bunch of double talk from someone who barely spoke English, telling me that my credit had been reduced because they are reviewing all their customer accounts and making business decisions. That is a horrible way to do business. My payments have never been late in 6 years with these people and the card had even been paid off. I cancelled my account with them today and told them that I never wanted to hear from them again!

If you get an application in the mail from these people, shred it. There are plenty of other companies that appreciate a consumer who pays their bills on time, everytime! If you have their card, cancel it before you go to a store and make a purchase with it, only to be embarrassed and declined because they do not even bother telling you in advance that your credit limit has been dropped to nothing.

Mavic said their department contacted me 3 times regarding some kind of fraud alert after banking with them for 2 months. They never said a word about that during those 2 months at their customer service number. I made a deposit from a lawsuit proceed from which I need to buy insulin, etc. I'm temporarily out of the country and they've frozen my accounts due to this "alert" about an address I haven't lived at since 4/10. I sent scans of my passport, birth certificate, SS card, an affidavit from the embassy, and they're saying I need a voter registration card to prove my address?

Why didn't they reject the deposit and send me the funds from my account? Yeah, we know that answer. I don't need any of the docs I sent them to register to vote. A voter registration trumps every single possible form of ID? Apparently, their security office in the Philippines doesn't know how many dead and illegal people vote in America. I need to talk to an attorney. I'm stuck outside the country, powerless. By the way, they let me use my card for two months (my only link to my money) and if I were committing fraud, my very last purchase would not have been a 41 dollar toaster. Yes, a toaster, **!

Charges on a musician's friend credit card that we paid and money taken from my account, but HSBC didn't credit my account with the payment. They subsequently researched my file, credited my account two months later. Two months later, they have removed the payment to my account and sent me another bill. I cannot get a straight answer on how this gets resolved.

This is regarding with my credit card (**) outstanding balance. I am ex-employee of HSBC and I got this credit card in Sept 09. I left HSBC in Sept 10 and have not used this card till now. Today I am getting call from you for membership charges but this card was free for me (As informed at the time of taken).

Secondly one PIL was bounced and charges showing in my credit card account. Why? At the time of bounced, I got the call from you and I paid also immediately to avoid charges. Then how come it's reflecting in my credit card account?

Third thing is about my HSBC account. Earlier this was my salary account as I am HSBC staff but post leaving from there, I have never used because thinking it will automatically close. Now I get to know it's converted in my saving account (without informing me) and there are charges also levied due to not maintaining minimum balance in account. Why this not informing to customer? And now account changes are showing in my credit card account. Why? Finally I got the message now, it's reported to CIBIL as I not paid.

I am requesting you to please look into this and reverse all charges. I don't want to continue my relationship with HSBC. I have only personal loan with you. Request you to please close my credit card and send me 0 account balance statement to this id. I will personally go to branch and close my account also by this weekend. Above mail sent to HSBC for resolving my issue.

I was a GM Card/HSBC cardholder for 20 years. Due to medical problems I was unable to retrieve my mail because I was hospitalized and in rehabilitation. I paid my balance from a hospital phone. GM Card/HSBC accepted the money and cancelled my credit card and card "earnings". I was assured by the phone conversation that all issues were "cancelled" because of my medical conditions.

As no one from your company has taken time to contact us to straighten this out, we are now looking to hire a lawyer on a contingency basis to file for us against HP & HSBC for damages, harassment, mental anguish, defamation of character, etc. If there are any attorneys who read this interested in taking the case, contact us as we are still being harassed by HP company.

We have been harassed for three years for not buying their DOA computer and keeping our mouths shut about it. We asked for a repairman for five months and in their emails, they refused to send one. So we refused to buy the computer and HP picked it up and J *** at Hp signed for it. HSBC and its collection agency Asset Recovery Solutions says pay up or the amount will triple.

I have been fighting for a loan modification with HSBC for almost two years. I had a lost of income and requested a modification. Every time I make the trial payments, HSBC find a way to say I haven't made all the payment. This last modification I was given til Jan 20, 2012 to make the payment, and I did. On Saturday, Jan 21, 2012, a HSBC representative called stating congrats on your modification but in the next breathe stating they haven't received the money. I believe HSBC is purposely doing this. Where is my money going? HSBC is the worst mortgage company! They have people that don't give the correct information and lie!

placing an "invalid account number" a month before a Reverse Mortgage closing and finally, stating "they did not know what happened. " Is a company responsible for what is on their website? Did they receive a copy? Yes.

After all of the above now they write about "late pays," and pretend to offer a "short pay. " We are 65 and 68, completed reverse mortgage counseling, appraisal and unable to get account information for closing and now they offer a late pay solution.

to (3) HSBC locations.

day, "hate crime. "

I purchased around Rs 12500 from HSBC credit card and every month, I used to pay more than minimum amount before due date. In April or May 2010, I decided to pay the rest of the amount, so I called up HSBC customer care from ** and they told me my outstanding amount is around Rs 6600. Then I went to HSBC bank with the said money, but they told me I have to pay around Rs 9600. They told me extra Rs 3000 has been added and that is this yearly charges, which has been new rule activated from this year - even though they have not communicated about before this amount of charges. Even when they sold credit card, they told me that no yearly charges. But in 2010, they have charged me extra Rs 3000 which is completely unethical. Then I called 3-4 times to customer care about this problem. They told me they will get back to me but they did not. I just had been cheated by HSBC credit card.

I have something from them showing up on my credit report. I have tried contacting them and they just say the debt is valid. I have never had anything from HSBC and they refuse to investigate and keep reporting. I have a charge off reporting on my credit report and they have no consequences for their wrong actions.

I have been fighting for a loan modification with HSBC for almost two years. In 2009 my husband and I both lost our jobs of 10 years due to the economy. We immediately contacted HSBC to advise them of this. They made no offer of payment plans or modification solutions. On the first request at a loan mod they told us they couldn't help because we had not been late on our mortgage payments and had no income. They would not use unemployment as income. We both found new jobs but make about 40% less income than we did in 2009 and quickly fell behind on the mortgage. Second request, they still refused to offer any assistance, this time stating that since they didn't take a bailout from the government they didn't have to work with us. Then they advised that we have a conventional loan not an FHA. So we were out of luck.

On the third request, we tried for an "in-house" mod and were told our debt to income ratio was too high. Requested reinstatement and pay-off amounts--never received. We paid down a lot of debt and increased our income thru raises at work. Applied again. The fourth request was denied for same exact reason: debt to income ratio. We requested in writing the figures they used as well as pay-off and reinstatement figures. We never received anything. HSBC now states that they are the servicer of the loan and GMAC is the investor. They never advised of this change in writing. We requested contact info for GMAC and copy of the agreement between them and HSBC as well. Never received it. We called HSBC to ask why our written request for information was not received. They couldn't give me an answer but advised that the reason we were denied for a mod the last time was because GMAC won't forbear the $75,000 they would need to in order to give us a mod payment we could afford. We asked where they are getting the $75,000 figure and were told the reinstatement is $25,000.

They couldn't give me an answer. The worst part is that you have to speak to a different person every time you call. You cannot get a supervisor as they refuse to transfer you. You cannot get anyone's last name or their direct contact number. They are robots who cannot assist you. They just read from their computer screen. If the info you want or need isn't on there, they can't help you. Every document that is faxed or mailed someone gets lost in their loss mitigation department until the 4th or 5th time you send it.

HSBC has purposely deceived us and dragged out our loan mod request so that they may incur exuberant late fees and run up our escrow amount to the point that we are so far behind there is no way to catch up. All we wanted was to modify from a 15-year to 30 to 40-year with a lower interest rate. They purposely held us off until we are now almost 12 months behind. They stopped accepting any payments so that they can say we just decided not to pay them anymore. They know exactly how to work the modification process to their advantage.

I was charged $50/month for a bank account without proper notifications or any indication upon opening the account.

HSBC sold my car loan to Santander without notifying us of the sale. At the time they did this we were unable to pay our payments and we turned the vehicle in to Western Auto Recovery from a letter that HSBC had sent us. On 7/02/2011, Western Auto recovery picked up the vehicle and we have a receipt. Santander told us that they didn't use Western Auto Recovery and that HSBC used to use them. Now no one can locate the vehicle and it is a year later and they sent a charge off to our credit report of a settlement amount. The vehicle should have been reported stolen by Santander, but they would not complete a stolen report.

I called the Mesa police and they stated that Santander or HSBC needed to do the report. Now I am stuck with this debt and no way to even reaffirm it because they all lost the vehicle. HSBC should have followed up with the process with Santander and they both should be liable for this vehicle. How can they even charge me an amount if the vehicle was never auctioned off? These places should be put out of business. I was unable to get my vehicle back because they cannot locate it at Western Auto Recovery and I have a receipt for it being picked up. I was unable to attend an auction of my vehicle and now there is a balance on my credit report without an auction being conducted.

HSBC Bank in Singapore, 6 January 2012. Today, I received a mailer from HSBC asking me to pay 400+ Singapore dollars, for annual fee and late payment charges of their credit card, which I seldom use. They revoked my internet banking access also. I was not informed by this bank for either the late payment charges or the internet banking being revoked. Without even informing the customer, how can the bank take such an action? I even checked with my owner on whether he received any mailers from HSBC, which he by chance may have forgotten to give me, but I was clearly told otherwise. This is really annoying.

Now when I am calling the customer care, they are not supportive, completely sarcastic and highly unreliable. I heard the news that this bank is going down. Now I am sure it is and I can very well understand this. Anyone who is reading this, please think about the risk before going to HSBC. This is not the bank one can rely on. By no means, in no category be it credit cards, bank accounts, or any other product. And trust me, I am one of those guys who has been in the IT team of an e-banking solution. From my experience with this bank I can tell you two things: 1. Their website is awesome and 2. Their customer service is very poor and so are their charges. They just cheat by all means.

I have complete payment records of my payment history with HSBC, yet they are telling me I am 3 months late and are threatening foreclosure. I have spent hours upon hours attempting to reason and convey my payment history with this horrible company. I have sent certified letters with proof of my payments and they still will not correct my files. HSBC only responds with their version of false record keeping. I am receiving 20+ calls a day from this sham outfit. When I attempt to tell the robots on the other end of the phone, they cannot answer my questions or explain why my records do not reflect their "records".

I need a reference from others who are ready to sue this con-artist business! I am fed up with attempting to argue with these idiots who are attempting to steal from me and my family. I have tried everything I can possibly do to get numerous supervisors and floor managers to update our records and payment history into factual data. I am extremely upset with this company and the sick values and lack of organization this business practices on a daily basis.

While I am upside down in my home, it is my home and I want to pay for my home and continue establishing memories for my children. I am not willing to lose my home and explain to my children why we are homeless because a company cannot organize their own records, and process payment histories accordingly.

I want everyone who is being offered bogus payment plans and legal help to save our homes to contact me. This company is a hoax and a leech of American rights. HSBC is the very example of a greedy business preying on those who seek the American Dream. HSBC is lying to their customers and are practicing unethical and illegal business practices. HSBC is at the forefront of destroying the American economy, and I want to see them pay for deceptions and lies this company is based upon.

I believe in the American Dream. I am a hard working business owner. I am paying my mortgage. HSBC wants my home.

Step up and make a difference, fight for your family. Our goal is to expose HSBC for the crooks and phonies they are! Be American and contribute to bringing this foreign bank down! Let's build our own economy again!

HSBC accepted money orders from me over the amount that I owed. Then, they denied me to use the credit card they issued to me, because I asked for ID to report their business practices. It was retaliation.

HSBC has sold my debt to another company, but is still reporting on credit report as if I am delinquent on their business. They are reporting inconsistent dates to the reporting agencies. The last date of payment is 4/20/2009. HSBC closed the file on 9/27/2009. They reported closing dates to agencies for 11/02/2010, and 03/01/2010.

My recent experience with our attempted refinance with HSBC has been disastrous. There have been many delays since September 2011. We faxed and re-faxed all documents required of us more than once. Just today I was informed that HSBC wants to charge us an additional $200 fee to extend the commitment and to lock in the 3.35% interest rate. The delays have been no fault of ours. We regret relying on HSBC to handle this important transaction in a timely and professional manner. We will not seek any services from HSBC in the future and the faster and farther we can distance ourselves from HSBC the better. Justin ***, our 'contact man' is not accessible and did admit to me that the delays have been the fault of the underwriting dept. as did Dave ***(?). We request this attempted refinance of our property be cancelled and I also expect a full refund of our application fee.

I purchased a vehicle for my son financed through these people. I sent the amount of the minimum payment in 2 times a month (double payments) and they use creative accounting to say I am late (once jacking the minimum to a dollar more than I sent when I actually rounded up by ten dollars). They also claimed that one payment didn't count toward month 1, or month 2 in trying to justify the late fee they attach. When I called and complained, they claim they will remove the fee and then they add it right back in saying they are justified in charging the fee.

Inability to access my personal accounts through their website. Before Thanksgiving, changes were made to the HSBC website in how you access your accounts to a change in how you submit your passwords. Previously, they had you enter 2 different passwords. I am a mac user and I was not able to access my account on Chrome. The new HSBC website with new advanced security for its customers said that you must use Safari only. So I tried using Safari but was blocked. I tried calling the phone line, only to be left on hold for 45 minutes on hold. So I said I will deal with this after Thanksgiving. I came back from Thanksgiving and I tried calling again. Again, I could never reach a person to help me gain access to my accounts online.

I went into the bank and talked to an investment banker at HSBC 23rd Street and 3rd Avenue in Manhattan. He said someone would call me back the next day. No phone call. Now, it is Christmas time and I have to spend time listening to phone prompts so I can check what is going on in my accounts because I can not get online! Yes, I am angry. I know there must be other people experiencing this problem besides me. Please join me in making this outrage of public inaccessibility so the bank does something!

I am holding credit card no ***. When I took the card, it was totally free of charges. Now they charged me some amount without swiping my card. Many times I tried call the customer care people but cannot connect to them. Kindly help in this particular matter.

I'm very upset with HSBC customer support. After paying my account for years, and repeatedly paying it off 3 times within one year, my account was cancelled without notification. I went to use my card in October, after checking the account balance online, which showed the card as active with available credit. After swiping it through the machine, it stated declined. Shocked, I checked the expiration date, and it was not expired. I went and used cash for my gas. Once I got home, I called customer service, and the automated system stated I had no available credit. A little confused, I waited on the line for a live customer service rep. After going through all the typical question and answer period, and finding out that back in July they decided to cancel my account.

I asked why, and they stated I missed several payments in a row. I brought up my account online, and said I only missed one payment in March, and it was after I paid the card off, and 4 payments since the first of the year. Knowing that credit card companies can cancel accounts anytime, I went about asking why the online system still shows that I have available credit, and an active account. That is when she told me that there appears to be a glitch in the system. I said you must have more then just one glitch in the system, if you could not explain why I was not notified of my account being cancelled, and the fact I had made all those payments. Her response was she cannot see what the online system shows, cause that's not her area.

After explaining to rep that I'm an IT person, and a glitch is what we tell the non-IT personnel that there is a problem, I asked to speak to someone with a higher position. I was transferred to a supervisor, who stated they have several glitches. Right then and there it raised a red flag to me, that their system could be hacked at anytime. I expressed that to the supervisor, who said that's not her area, and she was not concerned about customer data.

To this day, they have not fixed my account status online, or update the available credit information yet. I sent a request to have them cancel the credit protection charges on the account, and they are still there. The account has been closed by them. I should not be charged for their additional fees that I didn't sign up for, but they placed on my account.

I am absolutely disgusted by the level of customer service that this company has provided me. I got this credit card with the sole intention of building my credit and have agreed to pay the outrageous fees that came along with it. I set up an automatic payment so I would never accidentally miss anything and was unaware that the automatic payment stops after a year. After unknowingly missing a payment when the automatic payments stopped without notice, I was sent a letter stating the overdue balance and I immediately called HSBC.

Up until this point, I had never been remotely close to missing a payment as I typically kept my balance very low, usually under 30 percent of my credit limit. I was specifically told that due to the miscommunication and timing of the missed payment, the overdue payment would not be reported to the credit bureaus. Two weeks later, it was reported to all three credit bureaus. After speaking to customer service today, I was informed there was nothing they could do and I had to deal with it. This has happened in a very important time in my life and the inaccuracy in reporting has caused me not to be able to purchase a home.

HSBC refuses to take fraud charges off of my credit card. My account got hacked at a gas pump. I reported the fraud charges as soon as I saw them, yet HSBC says that I am liable. The law states that they must charge it back if one reports unauthorized charges. HSBC does not protect its customers. I am forced to sue them in small claims because a bank is a corporation-agent of service is CT corporation.

HSBC NRE account is basically a cheat. You cannot pay online to other non-HSBC account, you can only pay by check. HSBC did not tell about the minimum balance and gives advance account where one needs to maintain a minimum balance of $5000. They did not tell the customers that there is another regular account that needs a minimum balance of $1500. If not, they'll charge the customer $30 per quarter bank charges. Then if you try to pay online to other non-HSBC account, you have to go through pain in the ** procedure to setup designated beneficiary for non-HSBC account. It accepts all okay online, but have to wait for 2 days to be approved manually.

When confirmed, you get an email that template for this has been setup with non-HSBC account holder name and non-HSBC account number, but beneficiary bank as HSBC, not his non-HSBC bank! Then the thick HSBC doesn't realize that it is non-HSBC account number, bank code and of course, the name of the account holder! If you do not notice it and make any online payment or transfer money your money, it will get lost for few weeks. HSBC in UK has been fined millions of dollars for flouting the laws and making their own rules to keep the money, bank charges for their faults and showing you the dead end. Bank with any other, but not HSBC because it is injurious to your health. Their interest rates are the lowest. Foreign exchange remittance rates are simply cheat.

I am extremely disappointed in how I was treated by HSBC. I have been a card member for a few years now, have managed and maintained my account in excellent standing. Then in October this year, I did not receive my bill in the mail. My bill was for P492.19, a post paid phone subscription. I did not realize it until I saw my phone bill and so I paid it right away.

I didn't know if I made it on my due date. My Nov bill came Nov 26 and I saw a P600 late fee for the P492.19 bill. I didn't worry about it because I thought HSBC values their card members and requesting for a courtesy adjustment for a late fee for not receiving my bill will not be a problem. But I learned that this is not the case. I called Nov 26 to request for the reversal of the late fee for not receiving my previous bill and I was told the request will be processed in 3 banking days.

And so I waited, gave them more than 3 banking days. Today, Dec 5, my due date for that said late fee, I called and followed it up. To my further disappointment, I was advised the request is still being processed and investigated and that I have to pay that late fee first to avoid another late fee and interest charge. I escalated it to a supervisor named Jerry ** but he wasn't able to do anything as well for me. He even told me that the turn around time for my request is 3-5 banking days just to say that they are still within the processing time.

But I was told only 3 banking days on Nov 26. I was really disappointed and shocked that HSBC would do this to me. If this is how they treat their card members then I wouldn't be surprised if they will lose their card members one by one. Not only will I stop using my card, I will also tell all my family and friends to never ever use their HSBC cards because the company doesn't know how to value their cardholders.

I applied for Home Affordable Loan Modification, with complete documents, 3 times already since last Sept 2011 with hardship letter. I have not received any reply till the date due to financial problem and heart problems I am facing, although I am updated on my mortgage. Please advise me accordingly. If I get some help, it would relieve with some financial help as per the president of USA that if you are updated on mortgage, banks will help by all means. Thanks.

Worse customer service and autosystem! I opened a credit card with Best Buy back in August of this year 2011. My first payment to HSBC back was through the autosystem in November. I used my bank information. My second payment again was made through the autosystem and I had so many issues the system kept picking me out then it transfer me to a rep who was nice and apologized to me and said he would take my payment at no fee. This time, I used my fiance account info. I was never told the autosystem would keep on file my info or his for that matter.

Well on November 28, I set up an other payment through the autosystem, it ask if I wanted to use my personal bank info. I entered the option for no and entered my fiance's info which the system already had and verified it. I then agree for the payment to be taken out and gave me a confirmation number. Well today, my bank showed a payment of $50.00 taken out and since I have no funds on the account they charged a fee. I called HSBC bank right away and spoke to a rep who was nice and did see the system made the mistake and said, "Well, the payment has not be through yet. We can stop payment and you can call your bank and if we need to send a letter to them to stop payment and waive the fee we will, all you have to do is just call us back and speak to a supervisor." But she then was so sure to take a payment from the correct account and she did.

I called my bank and inform them what HSBC bank rep said, my bank rep them told me they had already paid them that HSBC bank had already cashed my payment. I called them back (HSBC bank) and they turn out they could not help me because their system nevers makes a mistake. So now not only do I have to pay my bank $50.00, but also the NSF fee of $30.00

People, be careful when they offer you a credit card from this bank. They are fake and they love to overcharge. They also charge me a late fee, how nice. This is the worse bank I have dealt with. Worse!

I open two different credit card accounts; one was with Best Buys, the second with Bowflex. Well both of those credit cards are owned by HSBC. One is HSBC card services and the second is HSBC retail services.

At the time, I was offered unemployment insurance through BFC Insurance Agency of Nevada. I accepted the insurance. About two months later after making some purchases, I lost my job. I filed for unemployment with my state and was awarded it. I was told by BFC Insurance Agency of Nevada that is what I would need to file my claim with them.

Well, that is when the phone calls started from both HSBC credit card agencies multiple times a day. I started off explaining what happened and that I didn't have any money to make payments and that I was filing an unemployment claim with BFC Insurance Agency of Nevada. Well, I was told that they are separate companies and that they do not have to contact anyone it is my responsibility to pay my bills. I sent the claim forms in to BFC Insurance Agency of Nevada as I was asked to.

I waited for about a month with the calls still coming and never heard anything back. So I called them again and was told that they never received the forms so, I mailed them again. More calls. I waited about two weeks this time and called BFC Insurance Agency of Nevada again. I was told that they never received the form and would I send them again just to be safe. So I faxed the forms over and mailed them. I was told that I faxed them to a different department the one that handles claims not the one in the call center so they could not check on the fax, but was assured that it would be taken care of and that I had nothing to worry about. More calls. I waited about two weeks because each time I called, I was told the claim had to be processed and they had no new information. Then I was told that they never received the paper work. So I FedEx-ed it one day before the 180 day mark so they would have it in time.

The claim was not processed for 21 days and I was then told that it was past the 180 days and that the claim was denied. All this time getting 5-10 calls a day from HSBC, some from the normal line some from card services and some from collections.

Then they turned both debts over to a collection agency ARROW Financial. Who then turned it over to a lawyer who sued me. I have paid some of the debt but I don't have the money to fight this in court and cannot seem to get help from anyone. I have tried to file numerous complaints about this and don't seem to get any help. I have called different supervisor and agency both with HSBC and the state and federal governments.

During my research to try and defend myself in court I found out that HSBC and BFC Insurance Agency of Nevada are both part of the same parent company.

Very deceptive practices. Applied for store credit/rewards card with no interest feature if paid off in specified time. Was offered the HSBC MasterCard instead. Turns out the card costs $39.00/year and the amount approved was a third of what was needed to purchase item. None of these was posted on the website nor on the application. This company relies on trickery and deception to order their cards. I will notify the store headquarters that I will no longer buy products from them due to their affiliation with this bank. They are giving me the run around about canceling the card.

I have been set up for automatic bill pay through MSN Bill Pay for at least 5 years. I set this up back in the days that credit card companies were allowed to change the payment date so that I would never be late. HSBC was notorious for changing the bill date to charge you a late fee. HSBC is a member of MSN Bill Pay and so, therefore, they allow electronic bills and electronic payments when the bill is submitted by HSBC. For the month of November they did not send the electronic bill; so it didn't get paid for November. Luckily I logged in to MSN Bill Pay in time to pay it before I was 30 days late. I believe they are up to their same tactics of purposely making you late so that they collect additional fees. There result is that I have two credit cards with $35.00 each in late fees.

While making an online purchase, HSBC denied authorization due to their overly sensitive security algorithm, sometimes called build-up. The merchant's online system had difficulty completing the order and finally failed entirely. Later, during an online purchase transaction from Nordstroms, card authorization was denied. Specific to HSBC GM Card managed by MasterCard.

Both Tom's Shoes and Nordstroms were denied a sale costing them profits and the cardholder lost time. The account currently has a substantial credit balance, so the cardholder's credit status and payment history were not the problem. However, their security measures border on harassment of the cardholder and online merchants.

The absolute worst customer service I have dealt with. They changed the log-in system and I was required to phone in to register. I had call waiting times of 95, 65, 60 and currently 45 minutes each day I've tried to call. My phone's battery is dying (again) as I type this. I don't know as no one has answered yet (after 4 days of calling-all at different times).

I spent 26 days in the hospital but before my surgery, I suspended my bill pay service through my bank. I did so because I would not be available to monitor my disability checks or amounts. Yesterday, HSBC called, the lender on my Best Buy credit card. I had fallen behind one month. I've never been late on a payment and pay more than the minimum due each month. I told the HSBC representative that I was in the hospital and was prepared to make the payment. To her credit, she reversed the $24 late fee.

However, because of being late in one month, HSBC raised my minimum payment to $62. Meaning, I'll pay a higher minimum, my interest rate increases and it extends my payoff. Watch out if you made a purchase for no-interest providing you pay it off within a certain time frame. Keep in mind all this as a result of being one month late. That's a thank you for being a good customer? I paid them for two months thinking it was resolved. I received 11 days later (today), a letter threat that I would be reported to the credit bureaus.

I guess they forgot how to credit the payment? I decided to write this so that other consumers might steer away from this lender. I've torn up my BB card out of self-respect and that HSBC will not gain from my spending during the holidays or any future time. I also received a letter that their $24 late fee is now $35. I believe the business practices of this particular lender are unreasonably punitive.

HSBC Bank should be fined for every harassing call they make! After many years and never late on a payment or missing a payment on the credit card, I was laid off work for a few months and I ended up two months behind. I called and set up a payment plan to have it caught up in a few months. Fine or so I thought! No. They have been still harassing me with close to 16 phone calls a day. They started at 8am and went until 9pm. When I answer, they hang up. Why make arrangements? When will they stop annoying me?

HSBC has taken my $200 money order back in July and has lied to me over and over and told me that they have sent literature to me. First, they are saying that they sent me the 'packet' and I did not reply. They are telling me that they followed with a letter saying that they denied me for a secured credit card. When I finally got a hold of the correct department in October, she told me to reapply and I would be sent the credit card.

On November 7th, I received a letter stating that I have been denied again for a card, so no money has been returned. I have attempted to call HSBC and have been put on hold for over an hour. No one has answered the call. I need help. I am on disability and need my money returned as soon as possible.

I keep getting privacy statements with the wrong address. There are no names, or places to call, or get online to correct it. I do not have an account or lived at my prior address for 6 years now. I am tired of this game!

I was told by HSBC that it was the best card to have while traveling abroad. I called Union Plus before leaving for Europe to tell them that I would be using the credit card abroad. They said, "No problem," and supposedly made a note of it on my account.

I left for Amsterdam and when I checked in to the hotel, I was told by hotel staff that breakfast was not included with the room. Breakfast would be an extra charge. There was no description on my reservation whether breakfast was included or not. Then I was charged 16 euros for breakfasts for which I was told I was not entitled to and I did not eat. When I checked out, I was charged by the manager for breakfast everyday I had stayed in the hotel. The manager told me I had received "bad" information by the staff and that breakfast was included and also, it did not matter if I ate or not, I was going to be charged. I notified HSBC I was over charged and they told me there was nothing they could do for me. I submitted all paperwork they asked for but they still declined to help me.

Later in the vacation, I was blocked out of my HSBC card rendering it totally useless. I received an email saying I needed to contact Union Plus to get it straightened out. I emailed back and I asked if I could get it straightened out via email and they wrote back stating that I would have to contact them in person. I had to pay $2.99/ minute to contact Union Plus and after several minutes on hold they said they had fixed the problem.

It was a week later when I was locked out of my Union Plus card again for no reason. My payment was not delinquent nor was it over the limit. When I got back to the States, I paid off the balance in full and destroyed the card. One would have to be desperate to apply for the HSBC Union Plus card. It and Union Plus and HSBC are worthless.

HSBC seems a bad corporation to do any business with. And any business that is letting them arrange financing for their goods and services is doing their customers a grave disservice by allowing their customers to be screwed by this inefficient and unethical company. In fact, any company that lets their customers be manhandled by this company is likely to lose more business in the aggregate than they will get due to the credit given.

I was at Best Buy and realized I did not have my usual business credit card with me as it had just expired. So they graciously (I thought) offered me their (I thought) credit card along with a discount for opening the credit. Well, since it was a company I trust (Best Buy.... I mean, they'd never steer me wrong... right?). I went and signed up. I never received an invoice or a card in the mail. When I went by Best Buy twice to inquire, I was told that my balance was zero. I knew this was wrong, but I suppose the thought that I might get away with things, and the company themselves told me I owed nothing, well, just maybe I scored a free $150 item.

But nope, after three months we got the call that we were being charged another $75 in late fees, and that it was my responsibility to pay them invoice or not. They did 'kindly' waive the $15 fee to take my payment over the phone using my bank Routing numbers.... so now I have to worry that they'll draw more out than agreed to, or that they will continually drain my account. (I found this site after my phone calls with them today when I paid). Never ever get store credit if it goes through a rip-shod company such as this... and Best Buy will certainly not get the same amount of respect I've had for it in the past.

HSBC just declined my card for a purchase just over $50 at an online vendor. I've used this card at that merchant for a couple years. My limit is somewhere in the $15,000-$20,000 range and I rarely exceed $500/month in charges. I have been paying it off each month for at least a year, and prior to that I always made appropriate payments each month when carrying a balance.

For at least a year they have been declining purchases or calling me to confirm them immediately after I make the purchase. Last November, I told them, after the first such annoying call, that I was traveling between [my home state] and [family's home state] and gave them the dates of my trip. They began declining my purchases a day early.

I had a credit card account with HSBC, in October 2011, I was 30 days late. My first offense since 2009. I was contacted by their collections department to make payments arrangements that would bring my account current and avoid any further action by HSBC.

Unbeknownst to me when my credit report was run and I found out that my account had been closed by HSBC. I want to know if this is a fair practice after having no late on my record since 2009. I tried contacting their credit department and the representative was very nasty and stated repeatedly that a credit account can be closed at any time and that they do not reopen closed accounts. I am in the process of contacting them in writing.

HSBC Lending department needs to receive a full audit by the government for their business practices. I am assisting a client in obtaining a home loan, and it has been a nightmare, mishandling of contracts and documents, poor communication, inadequately trained staff, and a rotten attitude. They display no sense of urgency to achieve any goals, and make it difficult to effectively communicate with them. The key employees in this transaction have had more days off in the last three weeks, and then I have had all year. I would highly recommend you stay away from this lending and banking institution.

I have made a purchase in May on the account. I called in to contact a representative and asked what my future payment would be and they gave me an amount. I set all my monthly payments to pay that amount every month. They do not offer auto pay. A promotion ended on one of my purchases and change the payment amount on the monthly bill. Unfortunately I did not receive this information. This is my fault.

I contacted HSBC and asked if there was something we could work out with all these finance fees that I had incurred. They said none and told me that I would have to pay the current bill or else, I will be endorsed to collections. I told them that I could not afford to pay this amount and they said sorry. I called in a few more times trying to get someone that could help me and had no luck. I decided I was just going to pay what I could. Then I received a call from a very nice HSBC lady representative and she informed me that she could help me. She said that if I could make a payment now she would wait until October 3rd for the last amount. She then waived all the finance fees and changed all my preset monthly payments to the new monthly payment and said all will be current from here on as long as I made the October 3rd payment. So I scheduled the October 3rd payment with her that day.

However, I received a call from an HSBC rep and she said that I was behind on my payments and I was going to be turned into collections. I told her I was current and there had to be some mistake. She looked and said yes you are current and I will remove you from the call list. Then I got the new monthly statement and saw this huge bill that was due on October 23rd and all my payments had already posted that I had arranged with the HSBC rep. I then called HSBC and spoke to a gentleman named Brandon who told me I was behind and delinquent on my account. I told him about all the payments I had made and said I should be current. He looked into it further and said that yes, everything was current. I hung up and pondered if all was ok. I looked up online and saw that it wasn't ok. I called back and talked to a lady named Kelly and she was very helpful and said she had been doing this job for 16 years and has never seen an account like this. She said something was very weird. She transferred me to a supervisor and I then started talking to Tamullaa. She said that the account was correct and sorry for the bad information that all her reps had given me. She said that I owed the amount, and that if I wouldn't pay, I would be sent to collections.

On August 10th, I paid for a complete overhaul on my transmission. On August 11th, my newly rebuilt transmission fell apart 100 miles from home. It's still sitting in the shop after all these months! The merchant did not credit my card, so I disputed the charges and HSBC asked for a corroborating 3rd party proof that it was the rebuild they failed. The mechanic that towed me wrote this corroborating documentation.

Then, they demanded that I get yet another 3rd party to corroborate it! I told them that would cost money and besides, it's all apart in the merchants shop. They said, "If you want your credit, you will find a way." I have jumped through every hoop and they keep coming up with more. I had to pay another mechanic $125 to look at it. The merchant himself even signed a statement of failure to deliver what he promised. HSBC still stalls. On November 2, it will be 3 whole months since the merchant took my car for a 4 day rebuild and still GM stalls!

Apparently, there is an account out there in my name with partial account #**, which we only got because we tried to get a home loan and it was denied because of you. I never signed up for an account, so how then is there one out there that says we are past due? I would really appreciate your help in this matter because it is really hurting us and my credit. Please call or contact us as soon as possible. It's damaging my credit and hindering my ability to get a home loan.

USB shut down my card, because of a bogus charge in Arizona. It did good. I haven't been there in 10 years, and the card was simultaneously being used by me in Minnesota. They credited my account after 3 calls. Cards were replaced, etc. Then they came back and put the charge back on my account, because Marshalls in AZ has a receipt with a box on it for a signature. They also told me that I have to figure it out with Marshalls. It's not going to happen.

HSBC sent my wife and me unsolicited credit cards. I called customer service to have them canceled and all record removed from my credit record. I got the total run around. First, it was by someone who was not understandable. Then, it was with a manager who wanted personal information from me to verify my account that I do not have. I refused to provide SS info so they refused to do anything. When I mentioned that this sort of treatment was making sure that I never do business with HSBC, the manager hung up on me.

I signed up for this card at Best Buy to take advantage of some point programs they were offering. Since I signed up, months ago I have received maybe two bills. If I want to know my payment's due date I have to call them. I have complained to them several times and was told that this is my problem and if I don't like it, I can apply for online statements. I don't want to do that and receive all the additional spam that comes along with it. I want a paper bill.

I'm an expat living in Costa Rica; I usually travel a lot in Central America and Caribbean. I have been a customer of HSBC "Premier" since last year at the Miami branch and I use my debit card for traveling.

Last week without any notice, someone at HSBC decided to close my account and send me a check with the fund I had.

I tried to locate my account manager and after one week all he said is that he cannot explain why the account was closed. He explained that was not a personal reason, but that it was part of an audit process the bank is following.

I have been taken a loan from their branch long years before. While I was talking with the loan representative, he told me that the payment will be auto deducted from my account so I agreed the same and signed for that. Until now, I did not pay manually but the amount was deducting by bank as per the agreement.

My complaint here is from the day first I was keeping some amount in my account particularly for this purpose, except two or three times, and my loan period was three years. This loan started in 2007, I believe, but still the bank is deducting money from my account, sometimes twice in a month; sometimes once in a month. I paid almost double of the loan amount till now.

Truly, I am upset with the bank and, as soon as I finish this loan matter, I am planning to move to other bank.

This morning, October 10, 2011, I contacted HSBC customer service officer whose name is Nola. I was really disappointed in the way she asked a question to me regarding my personal data. I gave the right answer of almost all questions, except the answer of the second of my HP number.

I do not remember which one of my other HP number that was registered by HSBC, because I have still 3 others HP number. But the way she talked to me is not friendly. Patronizing me and suspected me as a fake credit card holder.

Please take this complaint into wise consideration so credits card holders will not be disappointed anymore with such uneducated and disrespectful customer service.

Thank you for your attention.

The customer care persons keep on transferring me and don't even know how to understand the issue first. In the first place, they don't pick up on time. You have to be kept waiting for 20 to 30 minutes and then, you don't get you any help.

For a long time, I tried doing the internet transaction but it failed on querying through the mail. They sent a huge set of lines called "steps", and that too, was copied from internet. I further called them to ask about what is VBV. The care fellow quickly read the reply, "It's written on your card." Great! And, while finally getting them on the phone during the transaction, they really drag so much that the phone battery died.

I pity the people who are suffering from HSBC. They are highly stupid and bluffing cartoons. Sri Lanka has so much potential but this has been very unfortunate for the customers of HSBC as they keep suffering from their poor services.

I overpaid my account and am due a refund. After 2 months of trying to contact HSBC, I am no closer to receiving the refund than when I began. Each time I call the customer service number, my call is mysteriously dropped. I finally reached a real person with a real phone number, however, each call goes to voice mail without a response.

In March of 2010, I had an account with HSBC. The balance was right around $3,400. I received a phone call from HSBC asking if I would like to do a debt settlement on the account, which I agreed to pay in 6 payments of $272. I did pay those and on time, and received a receipt letter thanking me for the settlement payment.

All along I was asking for the proper settlement paper work, which I was told was being sent to me each time I asked about it, but it never came. Now after a year of making my final payment, I receive a call from a collection agency. I went through a lot to try and resolve this. I had people at HSBC tell me they were going to buy back the account, just to get another call from the collection agency.

Okay, let's just say I did make it up (which they insinuated once), which is the farthest thing from the truth. Where did my 6 payments go because the balance is still $3,500? I have all of my canceled checks and bank statements, showing where they took it out of my account!

I would really like to hear from someone that can help. After trying to clear this account and fix my credit, it has been reflecting on it the whole time. This is not fair. Just because a big credit card company said they didn't make the agreement, doesn't make it so!

I have had this card (Best Buy Master Card) for about a year, without ever missing a payment. And I'm always paying more than the minimum. Everything seemed to be going well until I logged in to my account to make certain my next payment was pending. When I logged in, I was surprised to see, in large red letters, "Your account is closed." I never received any contact about this, by e-mail, phone, or letter home. I called customer service, who confirmed the account was closed. But they told me I had to contact someone else about the reasons why. Of course, I cannot get those people on the phone. So, I get to take a credit hit, despite not deserving it. And I have to work to find out why.

I went to the site of HSBC and filled up the basic information to view the terms. When I saw the terms, I closed the page without accepting or approving anything. But I was sent a credit card, I did not activate the card but was charged a fee and now it is showing up on my credit report. I repeat, I did not authorized anything.

Back in July, I purchased something at the Bay. They had a promotion where I could get a discount if I signed up for their MasterCard. Since it was a sizable purchase, I did so. Last week, I was starting to wonder when I would see the statement from the MasterCard. Today, I finally received my first statement ever and it was complete with late fees and finance charges. I don't know how they're charging me this since I haven't received a statement prior to this. I am not impressed. I'm being charged late and finance charges due to their incompetence.

Three months ago, they said that my request for 92 days with interest rate of 9% is confirmed for my account. Today, I wanted to learn the new rates but they said my account is in the checking account without any interest. All my calls to the bank are recorded. They said that they made a mistake and to add that interest and reopen an account, but still, there are no results. I will not trust them again because they are not careful about calls, and at the beginning, they refused but later accepted that it was their own fault.

HSBC bank is the worst bank in the world. If you have other choice just go to another bank. Don't give this bank any chance to make a fool of you. They don't respect ordinary people or companies. It will be better if HSBC will close or sell their business, such rotten bank shouldn't exist.

For over five years, I have been paying for debt cancellation on a 42-inch Toshiba television. Today, the TV's picture went out. I called to find out if this coverage would help me out. I was asked if a "lightning" hit my TV and I told them no. Then, the person asked me if I had a job. Well, I told him that I am a real estate agent and have not been able to close a deal in months. I was informed that because I am "self-employed," I have a job. When I asked to speak to a supervisor, I was informed that I was speaking to a "qualified account manager." I insisted and was put on hold for several minutes only to be told to call back in 30 minutes. Apparently, they know exactly when a supervisor will be free. I will call back, but do not expect to get anywhere by doing so.

We made payment by sending in 2 checks taped to the back of the payment stub so they would not get lost. We found out, after the fact, that they use a machine to open their envelops and the machine lost one check. It should have been an easy fix. Let us send another check for the one they lost. However, the bank now wants a $39 late fee (I found out from the blogs that this is their scam). They refused to reverse the charge even though it was clearly their fault.

Be aware, this is a very difficult bank to deal with. They started by harassing us with early morning phone calls because they would not leave a message. We thought they were sales calls so we ignored them. That was only the start of their rude behavior. The fact that you are never late for a payment, like we are, will mean nothing to them. When we finally talked with someone, we got the familiar runaround that others on this blog have complained about. After transferring us 4 times, we finally thought we were talking with someone that could solve the issue. Instead, she used strong arm tactics to get their late charge. Not only that, they now insisted that we pay not only for the missing check that they lost but also next month's bill before it was due. After a very heated discussion, I finally hung up on them.

Bottom line, HSBC Bank has no customer service and does not value their customers. They will harass you and treat you like dirt just to get their late fees even if it is their mistake. Isn't that fraud? From this report, and all those that preceded me, you are warned if you deal with them. There is even the slightest irregularity, you (the consumer) will lose. All these complaints are here for a reason. I learned the hard way.

HSBC has got to be the most evil company ever. Do not ever sign up for online payments only because the website will always have a problem when you actually try to make a payment. It's a given you will have late charges if you sign up for this. Also, the balance online will show "zero". You don't log on for the exact due date and you think you are safe. But if you log on two days later, you will see late fees.

They sometimes start collection calls before the bill is even due. They will not leave a message and they will call up to 20 times a day. I am not kidding. Even if you pay on time, you are subject to this and the calls don't stop with the payment. They can continue for up to 48 hours, and I'm talking about on-time payments here.

I was refused service at my own bank due to my current signature not matching the original signature when I initially opened my account more than 10 years ago. I presented a valid New York State identification card to prove my identity but was still refused service because of my signature.

HSBC calls my home phone number approximately 10 times a day. When I do answer the phone, no one is on the other end. They never leave messages and do not identify themselves. I had never even heard of HSBC until these harassing phone calls started. I had to conduct an internet search using the 800 number that they call from in order to determine who they are. I have never done business with this company; and due to the harassing phone calls, I will never do business with this company.

I tried today 5 times to get my internet banking ID. Every time after verification, a customer service representative tells this service is not available, when you call 600554722. I want to download my credit card statement to make the payment. I opt for internet banking because phone banking for getting information is horrible as no correct answers are available. They behave as if you go to another bank, if you want style.

I have been owed a refund of $309.00 since Feb. 2011. Each time I call inquiring about my refund, the conversations always end with "you should receive your refund between 10-14 business days". Today is April 11, 2011 and I still have not received my refund. On April 6, 2011, I was told that my refund would be overnighted and to call for a FedEx tracking number because I should receive it no later than Monday April 11, 2011. Today, I spoke with a supervisor and she explained to me that the check was being sent to my old address. I am in the military, I received orders for Fort Bliss, TX in Dec. 2009. Once I arrived and got established, I updated my records with HSBC.

It turns out the check was sent twice to the wrong address. Since I have been living in Texas, I have been receiving all my correspondence from HSBC at my new address and to top all of that off, every time I spoke with a representative, they made sure the address they had on file for me was my actual address. The bottom line is that the supervisor I spoke with said their policy requires them to cancel the check and receive confirmation before they could reissue me another refund. I was not told this by the rep I spoke with on April 6. I feel that I am on hold because of their mistake. For the life of me, I can't understand why someone in that organization could not make an alternate arrangements for $309 to a loyal customer.

We had a mortgage with HSBC. We sold our home and closed on September 24, 2010. The bank received all money due as stated in their payoff. We have been receiving harassing phone calls since November from HSBC saying we owe $1463.17 and have been charging late fees and interest. They have also reported to the three credit bureaus that we have been delinquent since November. Not until recently that I got an attorney involved did they admit wrong doing. But because they mistakenly paid tax on the property, they still won't satisfy the loan. Submit a satisfaction letter to the credit bureaus or give us our money back that we over paid.

Twice in late December 2010, my wife attempted to use her GM MasterCard. In both instances, the charge was declined. On December 29, I called customer center and was informed that the above card had been canceled by the credit department sometime in the spring of 2010.

When I inquired as to the status of the accumulated earnings accrued (exceeding $4,000), I was additionally informed that the earnings had been forfeited. At the time the account was canceled, there was no balance outstanding on the account. All undisputed charges including interest and late charges during the period of use had been paid in full. To the best of my knowledge, no external collection efforts were necessary on the part of your organization to collect any of the incurred charges.

Based upon my history of using this card for purchases in excess of $80k, I am at a loss to understand the rationale in canceling the card, although I fully understand that it is within the privilege of HSBC Bank to do so. When I inquired as to the notice of cancellation allegedly sent to me, the representative was vague. I do not recall receiving notice by email; the address of which is on file with my account information. If the email was indeed the method of notification, a prudent method to separate this critical email from other junk email I received on a regular basis from GM Card would have been to have account cancellation or similar language in the subject heading. I also do not recall receiving notification by letter or by telephone, which is also on file. When I was past due on a few hundred dollars, I would receive a call from GM Card, but when $4k in accumulated earnings are forfeited, apparently, that is not worthy of positive notification.

When I requested a copy of the cancellation letter be emailed or sent by regular mail, the representative told me that their system could not accommodate me. When I asked for proof of mailing of a cancellation notification, I was informed that no such proof was available. I feel that this $4k in accumulated earnings has been stolen from me without proper cause or notification. Prior to the cancellation of the card, I had relegated the card to secondary or tertiary use because of the high rate of interest charge compared to other cards issued by other banks. I strongly believe that the lack of activity was a primary factor on the part of HSBC Bank in canceling the card and removing the obligation to honor the significant earnings attributable to prior use of the card.

I have had the HSBC Direct Merchants Bank MasterCard for over 10 years, all along paying the protection fee. I lost my job Sept 2009 and called them to notify my status. I was told I had to be unemployed for at least 6 months. I waited and called to activate the policy and was then told that I am not worthy because I waited more than 180 days (6 months) to notify them and to boot, they refused to honor the protection.

I am forced to file chapter 7 and told them that they will get a notice in the mail. They don't seem to care one way or another. I should think this is a breach of contract, but I'm sure their legal department would find a way to say otherwise. I have never been late on a payment the whole time, until I exhausted my finances just a few months ago. They are still charging the fee, late fees, and on. I am through with credit cards and corporate America. I am going to a cash only basis. These darn companies are not going to get another dime out of me till the day I die.

This mortgage company is a rip off, trying to make money from charging late fees that are not valid. A rep called me on 12/26/10 talking about $905 in late fees. I advised him that my account was current and even when I was having problems paying my mortgage payment, I always included the late fee. In the past, I have written a letter to customer service advising them that the late fees were not valid and all I got back as a response was a print out of payments.

I can't understand why they are calling me the day after Christmas, talking about late fees that don't exist. I told the representative not to call me again, unless my payment was late. He became rude and asked to pay something extra every month towards the late fees. I told him that I am on a modification program and disabled due to breast cancer. He continued to be rude and I finally disconnected the call. I truly don't owe any late fees and I refuse to pay for what I don't owe. This mortgage company is very unprofessional and annoying. They need to be investigated as soon as possible.

I have applied three times for a home modification loan. I have been disabled, as a result of 3 MVAs, all caused by the other drivers. Because of this, I am on SSDI, and have lost more than 50% of my total income, as a result of my disability. I worked as a nurse for more than 20 years, and will never be able to return to work. I have applied for a loan modification 3 times with my bank (HSBC).

The first time I was turned down because the bank said I have an excess in income. My husband is a full time student in medical school, and receives financial aid loans, which I believe are not considered to be income. The money he receives, less than $10,000 per year, is combined with my income to pay the bills, and is what is left over after tuition and all expenses for his education are paid (i.e. books, equipment, board exams, fees as well as travel expenses). The bank asked for this money to be considered, because my income alone can not pay all the bills, and they want to know how the bills are paid, which I can understand. My issue is that, as I said, I have applied 3 times. The first denial was due to excessive income.

The second application was lost on their end (I faxed all requested material from my local HSBC branch) and was told that I would need to reapply. I filled out another form, and again returned the requested material via fax through my local branch. About 4 months after resubmitting my information, I called the bank and was told that my applications were denied, and as of today, have not received any information in regard to this denial. I feel that the treatment I have received from HSBC, in regard to this matter has been unfair, and this program with all the "guidelines" as put forth by the "White House" is very confusing. In the beginning of September 2010, I became very sick and was hospitalized, and now have a few thousand dollars worth of co-pays, which is causing me more headaches and stress, because I cannot get my mortgage payment lowered.

I have also heard that HSBC only does a 6 month modification, and these people who are lucky enough to get them, have to fight for them. Last week, I again spoke with the bank, and was offered the options of doing a "short sale" or a "voluntary foreclosure". This is also very unnerving, as I am beginning to feel as though my hands are being tied, and have no options to make my home more affordable, per President Obama's plan.

The economic and physical issues are an interest rate at 8%. My mortgage is less than 30 days past due. I have been asking for help with decreasing my interest rate. I am beginning to feel as though I am going to lose my house, which I have struggled to maintain since my disability. The stress involved with trying to get help for this issue, is very bad for my health, both physically and emotionally. I have had my mortgage since August of 1995. I have no interest in losing my home, and feel as though I am being alienated and discriminated against, because of my lack of income, which has resulted from the MVAs. We, for the most part, keep our mortgage current (i.e. never more than 30 days late).

I went online today to make my payment for my Best Buy HSBC card and was advised that I was "past due". I have never missed a single payment on my account since opening it. I revolve a balance on the account even though the interest rate on the account is a joke at almost 23 percent. Fine, whatever, I read the card member's agreement and it was something I wanted at the time. So anyway, back to today, I was frustrated to say the least as I had just made a payment on the 24th of last month and by some coincidence, was sent an email on the 29th to advise my payment had been received. The statement closed on the 28th but somehow had that payment on it instead of going into the next month.

I questioned the "person" about this in customer service and they decided to advise me of how I could make my payments on time and basically making me feel like an infant over the phone. I then proceeded to ask for a supervisor and after waiting thirty minutes with pauses every two minutes of "please wait", I disconnected and called back in. After calling back in, I immediately asked for a supervisor and somehow got one in under twenty minutes this time around. I advised the supervisor of what was going on and that was when things started to go downhill. They said they would take care of the fee as I have never been late. I advised them that "I know I have never been late" and started to ask why my payment due date was changed without getting it in writing and changing my card member's agreement.

I was then advised that this information was shared on the website that you get directed to here on Best Buy to manage my account online. I told him there was no such disclaimer as I have searched through the link and even had to get a copy of my card member's agreement sent by mail as they do not let you view it online. By law, creditors are supposed to advise you in written form if there is going to be a change made to your card member's agreement. I have not received one bit of information that has advised me that any changes were to be made to my account. I was then told by "the supervisor" that HSBC has been giving me a pad or grace period over the last couple months and decided they were removing that and that was why my payment due date has changed. At this time, I was beyond angry and did advise him that this information had to be disclosed to me in writing to stay within credit card laws.

So a little more background, I made payments on the 24th of October, the 24th of September, the 10th of September, and the 8th of August. I sometimes make an extra payment to cut the interest charge and to pay the principal down faster. My last payment due date showed as November the 2nd and the one before that was October the 2nd. So as far as I can tell, just for the fun of it, HSBC decided to change my payment due date, not disclose this information to me, charge me a late fee, argue with me over the phone that "he knew times were tough" and to educate me on how to pay my bill on time. Frustrating to say the least. Well, I am thinking going forward that I do not need to do business with HSBC or anyone that does business with them. The account will be closed after it is paid in full and I reported this to the BBB and anyone else that will possibly listen.

I have never had my intelligence questioned like I had happen tonight on the phone and I didn't even get into a lot of the "talk down to comments" their "supervisor" had to say about me. I work in the credit card business now and will be finding the right avenues to pursue this shady practice going forward also as the new laws that took effect in 02/10 clearly state that any change of due date has to be in writing. Sorry for the long drawn out post and story but I wanted to make others aware of what has taken place.

I have owned this credit for over 20 years, and in those years, I was maybe late with my payment 2 or 3 times. I have a large balance over 13,000. My interest rates were OK, but when the "laws" changed they spiked my interest rates! My minimum payment was going to the smaller interest rates and nothing was going to the 24.90% interest rate so the interest on that balance was added to it and I owe more on that than I have charged on it! I have contacted them a couple of times in the past year to help me with the interest rate and all I get is a foreign speaking person that does not know how to speak English and can't do anything for me. I have had health issues and have not been able to make my raising payments!!

Why are there rules and regulations allowing credit card companies to rob/steal from good people? I am a good person, but I feel like I have been robbed. GM Mastercard/HSBC Card Services has lost me as a loyal customer. My credit rating has dropped because I was not able to make the increasing payments they wanted. I had medical issues that needed to be taken care of and this problem just escalated it. I do not think I will be able to get a loan to pay them off because of the hit my credit score took. I do not know what I can do at this time, I feel hopeless!!

HSBC Card Services is the worst! Although I have a fraud alert on my credit reports, HSBC still gave an illegal alien in Utah (who used her name and my stolen social security number) a credit card? HSBC ignored the fraud warning and told me that someone else did the credit check, not them.

I'm a member of Lifelock and they notified me that HSBC had ran a credit check on a credit card application. But HSBC still denies any wrong-doing even though the credit came back with a fraud warning. Illegals applying for credit with false ID's makes no difference to HSBC because it's just more money for the bank. Another credit check was run in Sept. by HSBC (in California). But HSBC denies that also. (Even though it's on my credit report). Cancel your HSBC Cards and go through a credit union (usually with lower rates). HSBC has a bad history of giving card to illegals.

I can't believe such a biggest bank in the world, just 2 tellers serve at the counter on Saturday no matter what lineup. No one can help to clear the lineup. I saw all tellers were very busy. I waited almost 45 minutes for my turn. Very unhappy for this branch.

I charged $800.00 upfront fees for a mortgage modification with Home Savers of America and before the application was completed, we decided to go with reverse mortgage. They finally, after four months, have notified me that the credit card company took the money out of my account and should have given me credit for it. I have contacted HSBC several times and they keep saying that they are reviewing it. I have been emailing Phillip ** at Home Savers of America for months and he tells me that I should have been credited for the charge on our card and it should be removed. However, it keeps showing up on my statements and I am continuously paying interest on it.

My name is Juan **, and my family and I live at ** Salt Lake, Utah 84118. I have been living here with my family for 12 years. Furthermore since 2008, I have been trying to get assistance from HSBC for a modification. With the economy going bad, I have suffered reduction of revenue in my business. My wife and I are independent truck drivers with both of us having our own truck. We were compelled to return one of the trucks. In addition, my mother became ill in 2008 and passed away, and I had to assume all monetary expenses causing a tremendous hardship. I try to explain my critical situation to the bank with no positive result. I continued to call HSBC and pleaded for assistance and they were unwilling to help.

To my unfortunate situation, my father passed away in 2010 and it's been a difficult time for the entire family in addition to the emotional distress of not knowing if we are going to have a home for my children to live in. We are asking for an investigation against HSBC for not being in compliance with the Making Home Affordable program to allow homeowners an opportunity to modify their loan and for the practices and procedures in which they are functioning. My family and I want to keep our home and I request a permanent modification.

We have our HSBC bill paid through our banks Bill Pay service. Our bank pays this bill on the first business day of every month, automatically. Our bank reported that they paid our payment for August 1st on August 2nd, because the 1st fell on a Sunday. HSBC (Best Buy credit card) posted the payment on July 30th, instead of August 2nd. When our August statement kicked out on the last day of August, they stated they never received a payment for August. They charged us a late fee and put it on our credit report. They did receive a payment in August, they just posted it as received on July 30. My error was this, when I received the bill for the next two months, I didn't pay close attention. I was confident that they had been paid because my bank pays them automatically each month, so I did not catch the error until I looked at my October statement.

They refused to take it off our credit report and refused to take the late fee off. It took me two days to be able to speak to a manager and they sounded like a broken record, like they are reading from a script or something. They looked back at our history and agreed that they had always received the payment the first business day of every month, but refused to change anything even though the evidence is crystal clear. To make matters worse, they asked what bank we use and made a derogatory statement about our bank. We bank with USAA and have never had any problems with them! After doing research, it appears to me that this company does this more often than we would like to think. I am guessing it is done so they can make money on these "same as cash" accounts, plus in the end they get their money quicker.

We had perfect credit before this, they can see we are good paying consumers. We have had other accounts with them and always paid them on time and paid them off before the promotional period ended. I will never ever do business with these people again and would advise others to stay away from them. I am also going to write Best Buy a letter and let them know what kind of company they are doing business with.

HSBC sucks! They are too uneducated and are unprofessional in handling with customers!

I have recently applied for an extension to my HSBC loan modification. We have reduced income and more debt since our first modification was approved. This time I was denied. The remarkable HSBC reasons are: they now will not accept car loans, personal loans, and credit card payments as part of your monthly debt. They don't think having a car is a necessity in life. How is it that when you apply for a home loan, all of these payments are included into your debt to see if you even qualify for a loan? HSBC has no common sense whatsoever.

I had some financial difficulty when my child support payments ceased and wound up overdrafting my checking account with HSBC. In all, I had 4 checks (all well under $100) that were 'returned unpaid,' yet I was charged $35 each and the checks were processed twice. Before I knew it, I was $400-plus in strictly fees. Nothing had been paid on my behalf.

This morning, my pay check was direct deposited into my savings account. I went to withdraw funds to make my mortgage payment and the bank had transferred $478 into my checking to cover the overdraft caused strictly by their fees. Now I don't have enough money to pay my mortgage that is due today and will likely incur a fee there, too.

They took 18 months of "back and forth" on my HAMP application and never wound up submitting it. Now they want to seize my property in a sheriff's auction in 6 days (10/28/10). On the modification application, they kept coming back with one additional document they needed from me, usually an obscure document from 2 years ago. On several occasions they verbally acknowledged that my application was complete and that I should check back with them in a week. When I did so, they came back with: "Oh the application expired. You'll have to submit a new application."

Isn't it my right as an American to have my application processed? They don't return calls. They have lied to me on several occasions. They won't send me a copy of the promissory note which I've requested on numerous occasions. In addition, they want me to pay them $10,000 in attorney fees. For what? They won't specify. Please help me. I don't want to lose my house. I have 2 small children. I went through a divorce and chemotherapy this past year. I have spent hours every day faxing and overnighting them info and trying to reach them on the phone.

My home has equity and I am devastated at not being given an opportunity to protect it. I've begged them for at least a month while they process my HAMP application or to at least give me a chance to try to sell my home on my own. They have never responded. And to the best of my knowledge, they're taking my home next week.

In June, my GM MasterCard issued by HSBC was paid off. I completely paid it off. One day later, my bank notified me that the payment was rejected? I don't know how something like that is possible, but essentially HSBC rejected my payment. I resubmitted it again after being notified. It went through, but now it's 1 day late! As a penalty, they raised my interest rate to 30.99% and charged me a late fee.

I called and spoke to their foreign soil customer service department and after about 45 minutes and 1 supervisor later, problem solved. She claimed to credit me back and then reduce my rate back to normal. 3 months later, I used my card and when I got the invoice, the interest rate was 30.99%. I immediately called them as Jews frustrated beyond belief.

I went to the second tier supervisor, at which point I was told that they were not going to change it and that they never promised to to so. I asked her to check the notes on the account and the only thing there, was the fee reimbursement. I asked for her supervisor and she hung up on me. I am now 2 wasted hours into the process and completely helpless. I went to their online support and filed a complaint.

We were misled by this lender. We have been defrauded out of all of our property when in essence there was an acre of land surveyed for collateral. However, the bogus attorney working for Beneficial obtained property information from county records and never did prepare the correct deed of trust.

HSBC has a policy where electronic payments stop without warning. My payments stopped and I was not notified until they shut my account down for delinquency. I had a near flawless record previously, and had been on auto pay for a year prior to this happening. I am astute with my finances and would audit my account quarterly. Because of my regular review, I discovered that HSBC stopped my auto-pay, but it was too late. They reported me to the credit agency and closed my account. My revolving balance over the last several months was less than 200 dollars! At one point I had nearly $10,000 on the card and paid it all off and my annual income is over $100K. I posed no risk until HSBC sabotaged my credit, and now they won't even reinstate me! Before this incident, my credit rating was 750 and I was getting ready to buy a house. HSBC has single handedly ruined that for me.

I have a Menard's Credit Card managed by HSBC and it currently carries a 24.99% interest rate. I have never been late, and have been attempting to get this card paid up. I currently have a balance of $2,125.00, and noticed my interest rate was up to 24.99%. On 9-20-10 I called HSBC to get a reduction in this rate, and agreeable to not using the card (which I have not done so for quite a while).

Scott at HSBC tells me that when the government passed the credit card law, it states that HSBC can only reduce interest rates, if the customers rates are above the promotional rate. Scott said the promotional rate is 24.99% and my rate would have to be 27.99% or higher, before I could get relief. When I told him all my other credit card companies have agreed to lower their interest rates, he said that HSBC's interpretation of the law is not the same as other credit card companies. How can HSBC get by with using this new law against good customers, who want to pay their bills?

At this interest rate of 24.99% it will take me 20 years to pay off with making the minimum payment. With all the credit card companies raising the minimum payments and interest rates, one can not get a handle on paying them off.

About 8 months ago, I was placed under the hardship program with HSBC. The program lasted for six months. But after the six-month period, I was still having a hardship and requested to extend the hardship. I was approved for the hardship for an additional six months. Under this program, you only have to make payments of $50.00. However, every month, I receive my bill the minimum that is due is doubled or tripled. Also, they are still reporting my account as past due. Since I have been under this program, all of my payments have been made on time. They have not reduced my interest, only allowed me to make $50.00 payments. Could you please investigate this company to make sure that my account is being reported correctly and check to see if they can reduce my interest rate?

I should have known from the beginning when they sent an appraiser out that appraised our home at over $30,000 more than the previous appraiser. We took it. We were told that we could refinance as many times as we wanted during the first year at no cost. We went in to refinance to lower our payments and were told that we would have to pay for a new appraisal and that if it came in lower. There would be nothing they could do. Shortly after, all Beneficial offices closed.

In December, 2009, our roof started leaking. I called our homeowners insurance and very quickly they sent a check for $2,600 to cover the interior damage only. The check was made payable to us and Beneficial. When I spoke with Beneficial, I was told that we would have to endorse the check to them and they would distribute funds as the work was completed. Since we could not fix the roof, I canceled the claim.

In June, 2010, we borrowed money to fix the roof and reopened the claim for the interior work. Very quickly, again, the insurance company sent us a check made payable to us and Beneficial. I called them, took down all the info, endorsed the check and sent it to them with the required documents (contractors bid, insurance loss statement, etc.).

They are continuing to charge me escrow and just this week made a payment to my canceled homeowners insurance company (yes, I canceled the policy that made the check payable to them after I found out that that was not required on checks under $5000).

So here I sit, paying out interest on not just the roof but the interior work that was done while they sit with my money. I've reported it to the Attorney General and they forwarded it on to the OCC. I'm hoping to find others with complaints, perhaps, we can get a class action suit going? These people should be put out of business!

This affects the good of the public, and your company should fully disclose and inform consumers of the stipulations you have in place in order to have a claim paid. I have sent a copy of this letter to both the Consumer Affairs Office for Delaware and Georgia. Thank you for your time and consideration.

This is with reference to HSBC Smart Home Loan offer which I thought is good enough to be taken up. But the kind of mental harassment I have been through due to this is now unbearable.

Continuous misguidance by their home loan department is horrific and now I really need some concrete explanation to my ordeal or it is actually leading me to file a suit against HSBC for Mental Harassment. The case history is as below.

The first time I approached HSBC was in January for a home loan to which the executives I met was Ms.** and Mr. ** (Their GK-1,, New Delhi Branch). All my papers were checked and I was assured of a loan and approx Rs. 5000+ processing fee was taken from me. After this it all started to go off the way. Sometimes, it was told to me that the more papers were required to which I kept on giving them, as per their demands. But things kept on coming intermittently.

I was shocked that, there was no system on what all paper work was actually required which HSBC could ask me in a single go. Anyways, after all this tussle my home loan was rejected on the pretext that I was not carrying the registry of the property I was going to purchase. Now, can somebody tell me that how can I register a property in my name till I make payment for that. I was really annoyed at that time but had to swallow the blood shot as I really needed a loan as time was running out. I got that with a breeze with Axis bank and things are going perfectly smooth with them with my perfect paperwork and payment record.

Now since I have the property registered in my name (which makes sense as I could do this only after I have cleared off all the payments to the seller), I thought of again approaching HSBC for Smart Home Loan in July.

Once again, I approached their Ms. ** from their GK-1 branch and this time Mr. ** was assigned to me as Mr. ** I had been dealing with earlier had left the organization (that's what I was told). Now, the second set of my ordeal starts. Once again, all paperwork perfect in place from my side, property registry was in place as was earlier an objection by HSBC and once again I was assured of a loan. I kept on providing what all more documents were requested by Ms. ** and Mr. **. But after a while there was absolute silence from HSBC's side. It started annoying me as just no one called to update me on the status.

Finally, I started calling up Ms. ** and Mr. **. But in spite of my continuous calls and SMSs no reply was given. Then suddenly ** took the call and told me that I could not be given a loan as my CIBIL report had a problem. Now as a layman, I asked an explanation and a written confirmation from HSBC that this was the problem. I again had a long silence from HSBC and once again after a number of calls ** told me that, he has no access to the reports and he cannot send me the details.

Herein I asked him what should I do as he was the banker and me a layman to which I just got a cold shoulder. Finally, I had no choice to look up with my colleagues and internet for a solution as I could not take my CIBIL problem (which I was sure that I had done no wrong and this report cannot go against me) lightly. I got info on internet and I approached CIBIL directly for my report after paying their fee. I got my report from CIBIL in a few days time and it was absolutely clear. When I communicated this to **, he said that hell come back with an answer.

Now, the next set of ordeal starts. After a few days I got a call from ** that it was not my CIBIL report which was a problem but my Credit Card (which is again with HSBC) has a problem. I said that how is it possible when all my payments are clear and again as per me and I have done no default nor it has been told to me by HSBC credit card department. I asked once again for an explanation to which I got no answer. After this Mr. ** from loans department telling me the same thing that my credit card with HSBC is a problem now. I asked him to check with the credit cards department to which he said that he'll come back in 2 days. On the same day, I called up credit cards department to check my credentials and they confirmed that my record was perfect and there was no problem at all from their side.

I waited for 2 days for Mr. ** to respond as I was too exhausted doing this follow-up but to my surprise when I SMS him to answer, I got a reply that he will not be able to answer as he was no longer in the department. When I asked him to let me know the contact of the person replacing him or someone who can offer me an explanation, till date I have no answer from HSBC.

I'm writing here now as a last resort, I really want to take legal action against them and make them bleed from wherever possible. Can anybody help me with legal advice and way forward in this. Any help would be appreciated. Sorry for the long mail, but could not help detailing it out. Thanks.

My mother Lucy ** has a boscov's charge card HSBC is handling the accounts for Boscov. My mother spoke to a representative and told her she would be putting a check in the mail for $201.00 on Sept 3, 2010 which she did, she received notification on Saturday Sept 4th that her account was charged $201.00. The account that was charged was from my checking account which they had no authorization to withdraw my name, does not appear on the account. I help my mother pay her bills when she needs the help obviously. They had my checking account number stored in their system.

I spoke to David at HSBC on Wednesday Sept 8, 2010 at 11:30 am. He said, he would put in a request to overnight me a check back for the $201.00 since they were not authorized to take the payment out of my account. I waited until Friday, September 10, 2010 and didn't receive a check. I called back again and spoke to the manager Jamie and she said she was putting in a request to have a check sent to my mother who's name the account was under since they cannot issue a check to someone not on the account, as I explained to her you took the money from a person not named on the account as of today. I still have not received a check back from this company in the amount of $201.00.

I thought the law states if you have an authorization from a person you can withdraw funds if you don't have authorization you may not withdraw funds, can you please look into this matter for me as I am very frustrated with this company. Thank you.

I received a phone call early this morning, 9/10/2010. The woman claimed I was late on my Best Buy Rewards payment, and she wanted me to pay $39.00 over the phone via check number, or she was going to turn over to collections. I said I need to check, because I'm sure I sent it in. I had my checkbook handy, and sure enough I mailed it on 8/25/2010. She said that they didn't receive it and I need to pay via check number now, or it will get turned over to collections. She said this numerous times thru out the conversation. I told her, I was not paying anything until I investigate further. She said, "Fine, I will turn over to collections." Then she hung up.

So meanwhile, I look up on my statement, and sure enough, it was mailed out on 8/25/2010. I sent a whole bunch of bills that day , so I don't know what happened, but I do understand sometimes there might be a delay with the mail, so I thought I'll give it a couple of days yet, and check on it again.

Well, then something really strange happened. My roommate tries to use her HSBC Premium MC this morning and it is declined. Now this card is not maxed, and is always paid on time as well. So we called HSBC to find out. Guess what? They have not received payment, and the gentleman on the phone says maybe we should check with our bank to make sure check has not been cashed. Sounds like a good idea, that's what we did on both our accounts.

So, we find that all our other checks sent on 8/25/2010 are back and cleared. Except the HSBC checks on both accounts! How strange. What is going on? Because this sure does seem ironic. Then we come on your site and see all these people claiming basically the same thing. This is not right, that HSBC is doing this to people, and we believe it is to charge the $39.00 late fee. Could they be holding checks?

I don't like my credit looking as though I'm late on payments, and I sure don't like paying fees that are not legit! If they are indeed getting $39.00 per person, that is quite a bit of money and a downright shame if this is how this company is recouping losses. Please check into this, as there are far too many coincidences of this nature.

Every time you try to talk to customer service, they pass you from one to another, and keep doing this. You have to keep re-explaining the problem. Well, you get so annoyed by having to do this, you finally give up, which is what they want. But they actually had me on the phone 1 day for 2 hours passing me around. I really did get frustrated and gave up. That was on a promotion Best Buy was running for 6 months with no interest, which is what I do for bigger purchases. So I don't get interest on it.

Well even though this an HSBC "Best Buy" Rewards card, it is not a Best Buy card and they cannot honor the 6-month no interest policy. What a bunch of **. They had me going back and fourth like a yo-yo, between HSBC and Best Buy. I just gave up and paid the interest. When this card is finished being paid, it will be closed because this sure seemed like HSBC does not honor Best Buy's advertising. How ironic!

In April, 2010, we had a terrible hailstorm here, and it damaged the roof and siding on our home, as well as most other homes in town. We contacted our homeowner's insurance co., and they sent out an adjuster. He inspected the damage, and submitted a claim for $13,000 and some odd dollars. The check came within two days, on May 14, and it had HSBC as a co-payee on it.

All we could do with it was signing it and send it to HSBC. We sent it to them in late May, after getting several estimates from local contractors to do the work. We chose our contractor, but he was booked up for a few weeks due to the number of homes in the area suffering damage at the same time. So he dragged his feet a bit in getting his W-9 to HSBC, since they started work had to be completed within 30 days after the first draft was issued. He faxed his W-9 to HSBC on about June 20th. After more than a month, and several phone calls to HSBC's Loss Draft Dept, they finally issued a check for 1/3 of the total, as is their policy, on July 30th.

We received the check on August 7th, a Saturday. Our contractor started work on the roof portion of the job on August 10th, and completed that phase the next day, including the removal of a tree that was grown into the side of the garage. We called HSBC on August 10th to arrange for their inspector to come out so that we could get the remaining funds released and finish the work. Their inspector came on August 20th. He deemed the work 70% complete, meaning that 100% of the remaining funds would be released. He assured us that the report would be electronically sent to HSBC that evening. The next week, still no check. I called HSBC on about August 25th to check the status. They said they had not received the inspection report. I let the agent know that it had been sent to them several days earlier. After several minutes on hold, the agent came back and said they had found the inspection report and that it would be sent straight over to the adjusters.

Several phone calls later, today is September 9th, and we still have no check. My wife was told on the phone by HSBC today that the check was sent today. I will believe it when we see the check in our mailbox. Today is 30 days since the initial work was completed, and 31 days since the inspection was requested.

This is my story with HSBC Mortgage Services. In 2001, I moved into my home here in McNairy County, Tennessee. Originally, there were two mortgages on the home. The main loan was with this company called First Franklin. And then, there was a second mortgage which the real estate woman set up. The problem with the second mortgage is that it was supposed to balloon after a few years, so I knew that I had to do something and quick. I received a letter in the mail about refinancing.

Well, the loan went through and eventually, my mortgage account ended up in the hands of HSBC Mortgage Services. I had a flexible rate mortgage. As time went on, the payments kept crawling up, making it harder for me to make the payments. I am the bread winner of the household and it was hard for me to make those payments. The payments went from like $399 to $530 and I had to maintain homeowners insurance.

I tried to get the loan restructured or refinanced, but no one would take me. I called HSBC many times to see if they would do a refinance so the mortgage payment would be lowered and at a fixed rate. Each time I would try, they would tell me that my credit score needed to be a little higher or I just didn't qualify. Even though I struggled with the payments, they were always on time. I maintained everything for about seven years in the house. Well, in 2008, I lost my job. I called HSBC about the situation and explained everything.

Then, they finally did a modification. They set the payments up at a low 4.25% rate. This brought the payments down to $247 a month. Now, why could they have not done this in the beginning? The drawback with this is the payments would only be set up like that for six months and they were going to go back to the original setup. Well, I panicked and moved because I didn't know how I was going to keep this up. I wasn't for sure if and when I would find another full time job. I felt I was just throwing money in the wind by staying.

With the way they had the original payment plan set up as a flexible rate mortgage, I would have never paid for the home. I was paying interest-only payments, hardly any of it was going toward the principle amount. They were ripping me off and getting away with it. Within a short few months after I moved out of my home, they found me at my new address.

They wrote a letter and called stating what is in the contract and my obligations. I wrote them back and told them I realized they were ripping me off and how much money I had already been out with them. I just let them have it. They never wrote me back or called anymore. They let me be. I haven't heard from them in two years, and this September 2010. I moved out in July 2008. They haven't foreclosed on the home nor have they kept up the taxes on it.

The tax card was sent to me at my new address. The house needs lots of repairs, in the state it is in now, with no one living in it, it could almost classify as a condemned home. It is not worth nowhere near what is owed on the mortgage. This may be why I haven't heard anything back from HSBC--because they have probably had someone come out to look at the property. Despite all of that, I would still like to have the house back.

Hangs up when I tried to answer the phone. They are unwilling to work out a payment plan. We said we would pay $200.00 a month now, and then in February, pay the rest of the amount. We were in arrears, due to taking care of various family members in frail health. We had to borrow from our retirement account, and pay a penalty to withdraw.

I got a bill for a charge and late charges were added on. So I called to ask why I was charged late charges. They asked for my password. I forgot it and they put me with fraud. I asked to cancel my account and they refused me. I sent them what I owed them, but they still would not cancel my account. I made a copy of the check I sent them.

Finally after being fed up, I called them back and hit 2 to be removed from their list (takes up to 30 days) it says. So what happens today? I get 2 calls from them so far. Hey at least it's not 3 to 5 calls a day but I do not appreciate it at all. Think they could at least have a recording telling you what they are selling?

I just feel like our household is being harassed by them. My fiance has a card from them but he is not in debt with them. It is very annoying to wait on important phone calls and get this crap from them.

I have a Premier account at HSBC. I wanted to buy Euros at the local branch and was told that HSBC does not provide such a service. At the general customer service number, I was suggested to go to the area located miles from my neighborhood. I just purchased Euros at the local Chase branch and am thinking about closing my account at HSBC and opening one at Chase.

I have a Platinum Credit Master Card with a $3250 limit that I have had for a little over 2 1/2 years. With the exception of a couple late payments, I have been very current. My interest rate has sky rocketed to 31% which is insane. I spoke to Barbara on August 10 and she indicated that the interest rate was incorrect and should be at most 19.9% and probably less. She spent quite a bit of time with me and looking into it and assured me that with the month end closing the next day, to check back and it would be corrected. I also asked if a refund of any of the finance charges were returnable since the error was theirs and she said she could and would look into it.

Today is August 16, and I looked my bill up online and found that the interest rate is still at 31%. I immediately called and spoke to Candace who informed me that I was communicated with last October that this change was coming and that I had the opportunity to opt out' and I didn't so therefore, the new permanent rate is 31% and there is nothing that can be done! This is crazy. What happened to helping out the consumers and lowering interest rates in an effort to be charging a fair, valid finance charge. I desperately am trying to pay down and close this account but with this happening I'll never get it to a reasonable place. Can you please help?

HSBC should be punished in court of law for all the atrocities this Chinese company cause. HSBC is not willing to promote or help or at least inform the customers what is suppose to be a fair business. HSBC ruined my credit, almost took to a foreclose, invented fees, stressed my life. I wish to know if we all could sue HSBC.

I currently have an open account with Teamsters Credit Card which is provided by HSBC. I had a prior credit limit of $2,100, which was decreased to $1,805 without any notification. Upon seeing this, I called Customer Service at 888. The rep I spoke with, put me on hold to speak with the Credit Dept. Upon coming back on the line with me, she stated that the Credit Dept. said I had too many accounts with HSBC, hence they decreased my credit limit. I told her I only have two accounts with HSBC, which was my Teamsters Privilege Card, and my Orchard Bank Card. She double-checked it, and confirmed that was correct.

As for the other accounts, I'm a secondary cardholder on my husband's account, which I mentioned to her. She stated that it doesn't matter if I'm just a second cardholder, HSBC looks at the accounts under my name. HSBC did this same thing to my husband last year, and not increased the limit. What's the point of that? Nothing! This is ridiculous! I usually pay my bill on time (probably late 1-2 times by a day, two days max), I've had my card for over 2 years with no credit limit increases, and no decrease in the finance charges. The rep said there was nothing she can do, not even lower my finance charges.

HSBC needs to realize that in this economy, some people depend on their credit cards. Like I said before, I've always paid on time, and always pay more than minimum. I even told her, if this is how HSBC treats their loyal customers, I just might take my business elsewhere. Why are they even allowed to do this?

I was approved for a loan modification, later HSBC cancel our modification without telling us. So when I made my payments in February 2010 it was for the mod amount. March when I made the payment I was told that I had unapplied funds. And I was $ 126.00 short on my mortgage so they gave me a late payment for February and March. On April 16 I paid $252.00 to make March payment full since because my payment is not 30 days late until April 18. I was to by Jennifer ** on August 10, 2010 that HSBC do not have to let us know that the mod was cancel. And we have to make the full payment.

I was never informed about it. So when we made it was not for the full amount. So they reported it to the credit company. I never got a letter stating I had been declined for the loan mod. I've was sending in my payments as I was instructed, and have never been late on my mortgage since I've been with HSBC. This error was not of my doing, and HSBC should have never report derogatory information on us. HSBC is reporting derogatory information on us. Now our credit is completely ruined, and I can't even apply for a refinance, because of a mistake they made. Our rate with HSBC is 11%. Every time we get close or call about a paid off. They put something derogatory on our report so we can't leave. And they won't redo the loan, since they are not taking on any new loans.

I've been paying my HSBC Bestbuy credit card on time and usually by the 8th of every month, way before the due date of next month payment, so I was hit with a 39.00 late charge twice, even though I paid on time. I called Customer Service and demonstrated to them every single payment since January of this year and they say that I was right but they posted my payments twice on the same month, leaving the next month without a payment and subsequently convenient (for them) late fee.

I told them that I would never pay twice in a month, that I always pay earlier but not twice, and they said that it was my fault by paying so early, I told him that they were ridiculously stupid, by turning away a customer that pays on time, and after a very long discussion they agreed to take off one of my late fees as a "courtesy" ja ja ja so funny! So after this act of highway robbery, I will pay the minimum until I complete my grace period on an interest rate and never deal with this credit institution again. So please check your monthly statement to make sure they don't steal from you, as they have done with so many of their customers.

In Sept 2009, I paid off a credit card + penalties and one year later HSBC/Best Buy is trying to recover more money on that closed out account. In August of 2009, I purchased a lap top computer from Best Buy in Greenburg Pa. The agreement terms was 18 months, same as cash. Sept of 2009, I was called by HSBC collection agency. I was told that there is a $39.00 late fee. By not reading the fine print and misinformed by the salesman, there is a minimum payment of $10.00 that must be paid each month. I was being penalized unknowingly. So it was agreed that I would pay this credit off plus the penalty. This amount was stated clearly by the HSBC collection agent by phone. I agreed to pay the full amount; check was mailed for that amount, Credit card HSBC closed out.

Nine months later, on June 28, 2010 I, was contacted by Allied Interstate Collection Agency from Columbus, Ohio. They informed me that I owe a bill of around $260.00 from this same Best Buy transaction Credit Card HSBC. I told them they where wrong and this account was closed a year ago in Sept 2009. They stated they had no record of the penalty being paid off and the same day that I paid it off, it was sent to another collections agency for collection. I asked the file to be placed in dispute because this Credit card was closed out.

They said they would contact me in about a week. Four weeks went by , they made no contacts to me or my wife. I did also request a bill by mail service for some kind of documentation. I received nothing per my request. They inform me that my file was turned over to a different credit agency, but did not know who. In dealing with Best Buy on a forum, they informed me that this file was turned over to Resurgent Capital Service. I called them. They informed me that they have my account for collection. The amount was up $299.20.

I informed her that this HSBC Credit Card was closed out 1 year ago. She had no concerns of my problems. She wanted to stretch it out for 2 more weeks for review but the interest would keep adding on. This credit agency like all are remorse people hard to negotiate and sometimes hard to understand people. Every agent that I talked to dealing with HSBC were the same way in manner also. I have been scammed by Best Buy, HSBC and now this Resurgent Capital. They left me without any option to pay this bill, that should not have been! They asked me what I would like to pay to resolve. I stated $0, they would not accept knowing that this is a scam to say I'm guilty.

You tell me what I have to pay? She stated not a word. I stated $100.00 and she said no, that I would have to pay at least 50%. I wanted to report to your firm because I have researched on the web and found out that these companies have many complaints like myself. I was bullied into paying a past credit which was closed out last year. They call me 1 year later, nothing in between. No emails no mail service, even when I requested HSBC to do so. All I have for my proof was a canceled check and an empty promise from the HSBC credit scam, a promise, that if I pay the amount not to be bothered again.

Numerous times, each collecting agent that I spoke to, I have requested documents though the US mail service. "Thank you," they said, no to having supporting documentation for my records. They don't do the mail. I asked these agents to confirm my address they did but they would not send me anything in the mail. I was forced to pay this bill because it was increasing in interest. I paid with a letter attached in protest that they would hear from me again hopefully some legal way. This is my story. No, I do not have any documents.

Last years receipt and my wife can't find the cancelled check. HSBC has all the cards. HSBC states before each call for your permission to record these conversations for their training and to have it on record. Unfortunately, they cannot find my recording of my first settlement. Surprise!! Yes they told me that my credit card was closed out last year but my penalty charges were sold to another collections agency for collection, without my knowledge.

I tried to resolve this with a Best Buy on line Agent; she was no help to me. She advised me to settle fast. Now for my records, I have a recording of the last agent negotiating with me. She consented not to be recorded. I was not going to let this happen to me again after the first time. I did request a receipt for my payment. She was reluctant but she will, if I call her back in 5 working days. It's big news now how these HSBC Credit Agencies are using this form of harassment in debt collection working to their advantages. One more comment and then I will go. Every agent that I talked to are foreign and hard to understand in English. They talk like robotic computers only to say what their computer screen states in front of them. They will not go off their path to resolve or hear any issue that you have to state. I reported my complaints to the BBB ,Attorney General of SC and Attorney General of Pa. I just would like to get the word out there.

Regretfully, I had a credit card from this institution, which I was paying in an agreement with a consolidated debit company. Back in October 2009, there was a last remaining balance of less than $4. I was to pay that balance, but I was homeless, broke, lost track of my mail, I couldn't pay it on time. So they charged fees for the delay and within a few weeks in, went up to about $34. I called them, explained my situation, and asked if they would waive those less than $4 that I owned. I was denied that. I still was in very difficult situation, I couldn't pay. Within 3 or 4 months, they were charging me $150. I called again, explained that I couldn't pay. I was intimidated by them. The lady said that it was not her problem and that it was either I aid those $150 or it would keep going up.

A couple of days after, I called and spoke to another person, explained the situation, and stated that it was outrageous that they were charging me $150 for a bill that was less than $4 three or four months earlier. In order to be over with it, it offered $100 so they would simply consider everything paid in full. She did accept. I paid, she said that the account was paid in full and closed. I don't even have a card from them anymore and I believe the account was closed.

Now, I just received a new bill from them for the amount of 12 cents, stating that they are charging me 12 cents for interest credit adjustment. 12 cents shouldn't even cover their expense in paperwork to issue and mail a bill. However, they are charging me still, which means for them my account is still subject to charges. I deeply regret that I once had a credit card from this institution. It has been a nightmare to deal with this institution. I would advise anyone to stay away from this disrespectful institution.

It resulted in a lack of mental peace to be charged outrageously and treated like I was a criminal for not having being able to pay less than $4 on time.

HSBC calls my house every day. Answered phone and there is never anyone on the other end. Contacted HSBC demanded that I wanted off their call list. They still call! I am paying off my HSBC credit through Sears and canceling the card. Maybe this will work. Aggravation and interruption of my privacy.

If you finance with Best Buy for 0% APR financing, do not make any additional purchases with the card. They add on "promotional offers" each time you use the card without telling you, so any money you think you are paying towards the principal is going to these other promotions. Make sure you are looking at your statements! I didn't because I get them online, and now I'm going to be charged almost $250 in deferred interest.

I financed $700 for a TV for 0% APR financing for 18 months. In 16 months time, I went into Best Buy and used the card three other times. Three additional promotions were placed on my card when I used it without my knowledge, so $250 in money that I was overpaying towards the $700 finance offer went to these other promotions, ridiculous! I now owe them $420 instead of $170, and if I don't pay them in full by the middle of next month, they will put the deferred interest on my account.

A rather large electronic transfer was made from Eastern Bank in Boston to our mutual fund account; this went via HSBC. However, it never appeared in our account and HSBC says they didn't know which account to send it to because they had so many transfers of this exact amount! (despite the existence of a transaction number and our account number). This sounds fishy. HSBC is covering up some incompetence if not dishonesty.

I have a home equity line of credit through HSBC. In 2008, I spent a significant amount of time in Alaska, and rented my house. So that the renters would continue to receive the electric and water bills (in my name) I changed the billing address on my account to my mom's house, who was handling my mail and paperwork while I was away.

Upon my return (in June of 2008), I requested that HSBC change my mailing address back to my home address, and they requested that I fax them a written request. I did so.

For the next three months I continued to receive bills at my mother's house. In September, I made the request again, and asked to be set up for online account management. HSBC ignored these requests. In November, I was late on a payment as a result of having to drive an hour away to pick up my bill.

HSBC froze my account, and told me that I wouldn't have access to my credit line until I paid my bill on time for 6 months. It's been 7 months, and I've judiciously paid on time every month. HSBC has not released my credit, nor will they allow me to open an online management account.

I now see from my statements that they have been processing my mailed checks exactly one or two days after the due date, every month. I am certain that they are receiving them before then. It seems as though this is a calculated move to keep currency from leaving their hands, but still maintain an inflow. Wondering if anyone else has a similar experience.

I incurred flood damage in May. My insurance company made a check payable to myself and HSBC which was mailed to HSBC on June 2. A contact was initiated with HSBC regarding distribution of insurance proceeds to pay for repairs. As of 7-14, HSBC has not forwarded any proceeds to go toward repairs.

HSBC documentation shows that their inspector was here on 6/24 and marked repairs at 90% complete, and on 7/10 repairs were marked at 100% complete. To date, HSBC will inform me when to expect proceeds although all the required documentation is on file with HSBC.

There was a bad fire in my building a few days ago. It happened while I was out of town. It was so bad, the building has been vacated for an indeterminate amount of time. I am living from suitcases in friends' homes (again for an indeterminate amount of time). I have two paychecks I wanted to deposit today and have the money immediately available. I'll be incurring unexpected expenses such as paying for storage, moving trucks, etc. I thought, being an HSBC customer for possibly ten years, that they would make some sort of effort to make any amount of the funds available immediately.

They, (the receptionist and manager), spent one minute thinking about it, and said "No, we can't help you." Thank you so much HSBC for ruining what was previously a good relationship. I always spoke highly of the bank to my friends but those days are over. I will now tell them to look elsewhere; that the bank does not care about their customers, not even in the event of a disaster.

I called HSBC security department on the night of June 16, 2010 to find out how to deal with a problem I've had with ATM charges made to my account that I didn't make. I was met with a representative who told me in so many words that I made these charges because my PIN number had been used during these transactions. I told him I used that ATM once to make a withdrawal for taxi money and have not been back to that location. Needless to say, I was quite frustrated. I was told I was going to receive a new ATM, to pick my new PIN number over the phone and that an affidavit was to be sent out to me in a few days.

On June 30, 2010, I had not received a phone call from Chris, but I had received my new bank ATM card. I left another message asking him to please contact me as soon as he could. In the mean time no temporary credit had been placed on my account and I had been receiving collections calls from HSBC regarding my checking account that Chris was supposed to be investigating.

On July 6, 2010, I received a letter from the HSBC stating that my claim was rejected. I proceeded to call the number on the letter and the representative transferred me to Chris, the manager who told me that since my PIN number was used that the claim is rejected. I told her that these were not my charges and I have been calling Chris, my claims officer, for the past two weeks and hadn't gotten any response. She promptly told me that Chris was out on a vacation and that is the reason why, as told, I had the other representative transfer me to her. She then proceeded to tell me that I have to go to the police station and file a claim with them and fax it back to her office.

I was to call in a week time to ensure they got my fax and then they would start the process over. Needless to say, I was quite frustrated once again. She told me my account was in collection and that she will place a note on the account stating that I am going to the police to file a claim. I told her my account is overdrawn because of the fraud charges. She told me that my overdraft kicked in that is why my account was allowed to go over by so much. I have never requested an overdraft protection; each time a teller or a customer service representative would ask me to join, I have said no. So, why would it kick in? That same day I received another call from collections, which I told the person, Maria, that I spoke to the security department earlier in the day and that she was supposed to have placed a note on my account. Maria told me she saw no such note.

I do not understand how my claim was rejected when Chris, my claims officer, was on vacation for the past two weeks therefore, who was working on this case? How come I never received a temporary credit for the investigation while it was ongoing and why was collections calling me about my checking account being overdrawn on charges that I said were fraud.

Some of these charges were done on days I worked in NJ and the charges were made in the Bronx. I only have one card on the account, so it is humanly impossible to be in two different states at once. I do not think any investigation was done. I think HSBC has a form letter that goes out when a PIN number is used in the fraud transactions. I think my case was handled incorrectly from the start. My checking account is overdrawn by an estimated $900.

Summary: LHR holds a charged off debt from HSBC. LHR is reporting the wrong date of last delinquency. LHR is claiming that they only report to one credit bureau which is Experian and that Experian must have sold my information about this trade line to the other credit bureaus. But when disputed with other credit bureau LHR verified the information. LHR is reporting themselves as a FACTORING COMPANY instead of a collection company. They claim they can because of the CDIA manual. The debt is for a charged off credit card which according to ucc article 9 collection accounts and credit card debt is excluded from being factored. LHR is reporting all three of my credit reports as an open installment account which is past due and interest is being added.

My First BBB LHR Letter. "I am writing to inform LHR that you are reporting several pieces of erroneous and ILLEGAL information on my credit reports in COMPLETE violation of FCRA and FDCPA legislation. According to my credit reports your company started to report in 2009, LHR, Inc is listed as a Factoring Company. That I have an Installment account, with 1 Month Terms with an Open status with your company. Everyone knows that LHR is not a Factoring Company. You can't be a Factoring Company because LHR purchased debts that are already in default and charged off.

"So far these are the many violations that I have found that your company has violated. Please note that by verifying this information to the credit reporting agencies you have basically stated that everything you reported you knowing voided the following: 1.LHR violated 15 USC 1692e(2)(A) by falsely characterizing the account as an open installment account on my credit reports. 2.LHR violated 15 USC 1692e(8) by communicating credit information which is known or which should be known to be false, by reporting the account as open and installment on my credit reports. 3.LHR violated 15 USC 1692e(10) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as an open installment account on my credit reports and by calling yourselves a Factoring Company.

4. LHR has violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an open and factoring company installment to deceive current and potential creditors and to negatively impact my credit scores.
5. LHR has violated 15 USC 1681s(2) by knowingly furnishing inaccurate information about a consumer to a consumer reporting agency.

6. LHR has violated FDCPA 808. LHR shows that the balance due is higher than the original amount on this debt. Please note that this sections states that--The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 7.LHR violated 15 USC 1692e(12)- labeling the account as Factoring Company account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value.

"8. Also, factoring is controlled strictly by Article 9 of the UCC, then factoring must be restricted to the kinds of secured transactions (goods and services) and accounts governed by the UCC. Consumer credit card debt is specifically excluded. Accounts transferred strictly for the purposes of collection are also excluded. The UCC article 9 goes into more detail. The point that I am making is that Credit Card debt can NOT be factored and COLLECTION ACCOUNTS can't be factored, then listing these types of accounts as FACTORING COMPANY ACCOUNTS is a violation of the both the FCRA and FDCPA"

LHR BBB Response. "We are in receipt of your 6/16/10 correspondence regarding the above referenced complaint. Please be advised that our office has investigated the matter and is taking the following position: LHR Inc purchased [consumer] charged-off HSBC/Direct Marketing account from the original creditor pursuant to a valid purchase agreement with assignment on 6/23/09. (never provided copy of) LHR reports solely to Experian enclosed is a Bulls-eye copy (will provide if requested) of our reporting. If Experian shares information with the other reporting agencies we cannot control that. As far as the difference in balances this account is accumulating interest. Lastly the credit reporting agencies define Factoring Company as: Factoring Company - A company that purchases accounts with the intent of collecting debts owed. LHR will continue to report this account as disputed, if consumer wants to resolve account consumer can call 1-800- or go to lhrpay.com. In addition, LHR Inc. strictly adheres to the FDCPA and does not condone unlawful debt collection practices by any of its employees. Thank you again for bringing this matter to our attention and please feel free to contact me with any questions that you may have."

My LHR BBB Response To Above. "I dispute LHR justification of this listing. LHR mentioned in their response that they used the definintion of debt buyer given by the Credit Bureaus definition of "Factoring Account" and that LHR strictly adheres to the FDCPA. If that is the case then LHR just contradicted themselves by not adhere to what the FDCPA says about "Factoring Accounts" and instead using the CDIA manual which credit bureaus use in order to guide business in reporting to the Credit Bureaus.

"LHR violated 15 USC 1692e(12)- labeling the account as Factoring Company account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. Also, factoring is controlled strictly by Article 9 of the UCC, then factoring must be restricted to the kinds of secured transactions (goods and services) and accounts governed by the UCC. Consumer credit card debt is specifically excluded. Accounts transferred strictly for the purposes of collection are also excluded. The UCC article 9 goes into more detail. The point that I am making is that Credit Card debt can NOT be factored and COLLECTION ACCOUNTS can't be factored, then listing these types of accounts as FACTORING COMPANY ACCOUNTS is a violation of the both the FCRA and FDCPA.

Now since LHR wants to ignore the above and continue reporting as a factoring account they are violating:

"LHR has violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an factoring account installment 1 month term to deceive current and potential creditors and to negatively impact my credit scores. Now if LHR is wondering why they are violating this this I will be happy to explain. By reporting the account as above it appears on all credit reports not as a collection but as an installment loan in which it notes that I am currently past 180 days on. An installment account other than a mortgage takes a more dramatic hit on credit scores than a collection account. Collection agencies are supposed to report as collection accounts.

"In the letter from LHR they also stated that they never reported the information to any other credit reporting agencies outside of Experian. I disputed the trade line multiple times with Transunion which LHR verified as correct. The account balance on Transunion is different than on Experian credit report. In the letter LHR provided they stated that the balance difference came from interest. Since LHR in the past have never provided me with any proof that they were assigned the debt outside of what was stated on the letter they gave I have never been given any proof of the account transactions and how interest would have been calculated on this debt. Since I asked LHR for proof and in the letter it is just because I said so. We are charging you interest.

"They are in violation of: LHR has violated FDCPA 808. LHR shows that the balance due is higher than the original amount on this debt. Please note that this sections states that The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also in LHR letter it sounded as if LHR was trying to say since they use the CDIA/Metro2 software to report to the credit reporting bureaus that. Whatever that manual says is accurate and makes them in strict compliance with the FDCPA. LHR should have read the Disclaimer Section.

"Documented From Disclaimer in CDIA/Metro 2 Manual. The Credit Reporting Resource Guide (CRRG), the Metro 2 Format, and information from the Metro 2 Task Force concerning the Metro 2 Format are provided as informational resources to persons who furnish information to consumer reporting agencies using the Metro 2 Format. No legal advice. Any person using the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format; or any software vendors that provide Metro 2 programming software acknowledges that such documents or communications are not made available for the purpose of providing legal advice or other counsel concerning the accuracy of the information furnished to a consumer reporting agency. Such persons rely solely upon their own determination as to the selection of the appropriate Metro 2 Code to meet any furnisher obligations under the FCRA.

"Disclaimer of liability. Any person using the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format; or any software vendors that provide Metro 2 programming software acknowledges that the fees paid, directly or indirectly, to receive the CRRG, the Metro 2 Format, or information from the Metro 2 Task Force concerning the Metro 2 Format are based upon the expectation that such person will be solely responsible for the accuracy of the information furnished to a consumer reporting agency. LHR also said that they reported according to the CDIA/ Metro 2 Manual. LHR can't even use this as a defense because they reported wrong for how the manual states. Using the CDIA manual under Quick Reference Guide for Industry Standards.

"Factoring is the process of selling your accounts receivable to a third-party financing source. Typically, you will bill the shipper and then turn over a copy of the invoice to a factoring company. At that point, the factoring company will advance you 80 percent of the gross amount of the invoice less a percentage kept by the factoring company. The factoring company is now responsible for collecting the amount on the invoice from the shipper. When the amount is collected, the factoring company will send you the remaining amount of the invoice, minus another fee, perhaps.

"In layman's terms account factoring is a service provided to a company. Company ABC doesn't want to handle collecting money from their customers. So they sell all of their invoices to Company DEFG who then collects all payments and mails Company ABC the money for the invoice minus their fees. This is not what LHR does. Also to be a factoring company the debt has to be purchased while in good standing. LHR buys charged off debt which can't be factored. So in your bullet form LHR presented under type "FCO" meaning factoring company. LHR is representing themselves as something that they are not. LHR purchased a charged off debt.

"Terms: Should have been left blank. LHR choose code (1)- which is reported as terms are monthly. Account Status: It should be reported as 93-Account assigned to internal or external collections. Compliance Condition Code is right the reported as xb- account information disputed by consumer under the FCRA. Also please note that LHR is reporting the wrong date of last delinquency. LHR also provided a bullet sheet this is form there records. If LHR wants to continue to report this account as accurate. I want LHR to provide proof that they are a so called Factoring Company which they are reporting. The bullshit that they provided is only LHR system printout. Creditors have to use the form Universal Data Form to transmit information. I would like to be provided a copy of this form along with company records showing account history. Also for LHR to provide that they have a right to charge interest on this account."

LHR Response Back. "Please be advised that our office has reinvestigated the matter: I'm sorry that our response did not resolve consumer complaint, a Bulls-eye report from Experian as to how we are reporting was provided. Since the actual bill is not in dispute only the reporting of the debt is being disputed I would like to offer a solution. If consmer would call our office I'm sure a reasonable settlement arrangement can be reached. Once the account is paid and funds have cleared, LHR will have our trade-line submission completely deleted from consumer credit report.In addition, LHR Inc. strictly adheres to the FDCPA and does not condone unlawful debt collection practices by any of its employees. Thank you again for bringing this matter to our attention and please feel free to contact me with any questions that you may have."

The listing is bring my credit score down. By listing as a factoring company the alleged debt is listed as a installment non-mortage loan that is outstanding which hits your credit worest than a collection agency which they should be reported as.

I took out a line of credit in the amount of $31,200 on our residence that is now rental property. I recently found out that for the first ten years it was interest only. Now my payments have ballooned with an interest rate of 8.5%. I have submitted paperwork five times in my attempts to get this loan modified. We are down to one job and I really need the help. I pay from $150.00 to $200.00 per month however; I am currently $3, 688.35 due. I need help but it appears my only option is bankruptcy and I do not want to do this. I want to pay my bill but I cannot do it right now. With a modification I would be able to make the payments and catch up when our employment situation gets better.

I called to get more information, and the guy I talked to said I wouldn't be charged if I maintained an online account. But I have been lied to in the past by this bank, so I didn't believe him. Needless to say, I no longer have an account with HSBC. It appears as if the brainiacs at HSBC are punishing the account holders for the bank's incompetance.

I am being charged with a late fee of $39.00 + $ 10.00 for some other misc. fee because I paid my bill two days too early. They are saying it wasn't in the right billing cycle and I have received a collection letter. So even though I've paid them for the month they are saying it doesn't count. As soon as I get my check I like to pay by bills as soon as I can, it's never been a problem with any other company. $49.00 at this point. I now feel an extreme urgency to pay off the debt rapidly to avoid victimized by them.

Even though I recognize I had not been paying on time, I usually paid the monthly bill accordingly, through internet successfully always. On 22 September of 2009, I decided to pay off the full registered balance on that ebill of $2,316.76. They collected this amount on 23Sept. per my bank statement 9/23/2009 ACH Withdrawal HSBC CARD SRVCS 2316 $2,316.76.

Within a few weeks,I received an invoice charging me interest on the balance? What balance? When my account was paid in full.Therefore,I ignored their forthcoming invoices up since,when I decided to call them and informed them about my disappointment. They were not the only ones I had made my full balance payments (say,I paid all my credit cards in full at the same time-you have a way to check this out).With the exception of TheHomeDepot,who were also trying to charge me for interest-they waive the 35.00charge then,and no one else has charged me anything thereafter,except for them).I have told them over the phone when they called me that I refuse to pay them. I believe the bill on interests is about $300 or so by now, I don't bother to even open the bills. I would like to have someone help me on this matter or suggest what I should do and have this matter resolved once and for all. I retired in May of 2009, and this is why I paid off all my bills as my monthly salary does not allow to keep on paying bills anymore. There is only one salary in this household.

On June 7th 2010, I received a letter from HSBC explaining "important account information". Upon opening and reading this notice (as I always do) I was shocked when the first sentence read "Effective on February 22, 2010, your agreement has been amended as set forth below. Don't you think I should have received this information prior to Feb. 22?

This reminds me of when HSBC hiked up my interest rate on my same credit card by approx. 6%. I immediately called to question this and they claim to have sent notice 3 months prior to this. I did not receive any such notice. I asked the customer service rep if there was anything that could be done to lower my rate, he said NO. I have been a loyal HSBC customer since 1991 and have never paid late on my credit card or mortgage! This is a poor way to treat a good customer. There is no physical damage, but economically, I have to pay more interest (double than what it was) which means taking longer to pay off balances. The only way to avoid these changes are to refuse the changes which leaves the card unusable forever.

HSBC has charged my account a over the limit fee, due to an annual fee that they added to the account. It could possibly effect my credit report.

I purchased items from Best Buy during their 0% interest promotions. You have to put the items on their cc to take advantage of this. Everything was going fine, I was getting a bill and paying well above the amount I needed to pay for the minimum payment. All of a sudden, I stopped getting a bill. I know what needs to be paid each month and an approximate date they are due. I called the 800 numbe to inquire about a bill. I was told it was sent out but they would send another bill. I was then told I could pay online, which I am not comfortable with, or I could pay via phone for an extra $30. Either way, the payment was still expected to be on time. I wrote out check and sent via regular envelope. I still, three months later, have not received a bill or a copy of the bills. I've talked to 5 different people about this. They said the post office keeps sending the bills back even though they have the correct address and I never even changed the address.

Last month I received a change of address leter in the mail and thought, ok, it's been fixed....still no bill. I called again and conveniently the post office only sends back their bill. I, like most people, recieve bills for all services and they all have the same address HSBC has. All the other bill come to my house no problem. I can't help but feel that this is a way to extract more money from me. I mean, if I didn't pay attention to my bills and what/when they are due, I would have been penalized all this time. In my own opinion, I feel that I was going to have my card paid off well before the due date and they didn't want that to happen so they messed with my bill. How else do you explain receiving a bill then suddenly you don't? No change of address or anything.

I have contacted the Better Business Bureau about this matter as well. My feeling is, if they can get a change of address letter to me using the address in their system, the bill should hae no problem getting ther either, unless it is intentional. I also feel that if they can't get a bill to me in a timely fashion, I should not be responsible for the remaining balance. I have no problems paying for my purchases, however, I'm a busy person with a full-time job and I really don't have the time to babysit them each and every month, begging them to send me a bill. This has been very stressful for me. I will get penalized with all the interest after the due dates as well.

I am writing this letter in order to explain our situation regarding our Mortgage loan we have had with HFC for a very long time, and would like to express how very dissatisfied we are with the services we have received over time. We were on a hardship in 2007 into 2008, during this time Lynn was our voice in our local office. She would sit for a couple of hours at a time trying to plead our case, and after many transfers to many different personnel and waiting on hold our situation would then momentarily be resolved only for a short time. Then someone would not have put the correct notes in, or connection would not be met somehow, so after long debate and we were finally told that our hardship was done, so we then reapplied only to be told we did not qualify, and this was in the beginning of 2009. When our local office did close we were on our own. We were then told that we were no longer on hardship and that our mortgage payment was going to be $767.22 (per David), and that our rate was locked in at 4.5%. And hardship was never mentioned at this point. A couple of months down the line, as I went to make a payment it had gone down to $749.64, so I proceeded to call the customer service number, and at that time we were told that we had been good paying customers, (once again no mention of hardship) and due to that, our mortgage rate had gone down and shouldn't be adjusted again, per someone named Carlos.

So a few more months down the line on 11-28-2009, I log online to make my 2nd and final, bi-weekly payment of $374.82 for November, and see the amount of $1,137.05 to my surprise. I then proceed to call customer service once again, spoke with Courtney and attempted to explain to her the situation and she then started to tell me that my hardship had been overturned, which came to me as a huge surprise since I was under the impression we were not on any hardship nor had it been mentioned in previous conversations over past several months. After trying to explain this to her she proceeded to laugh at the fact that I told her I was not able to pay the large amount at this time. When I asked what my options were, she was very rude and non empathetic to my situation, she seemed too busy with all the noise behind her which sounded like a party. Especially since it had taken us by surprise, as our financial situation has not improved much from the months previous, actually as of July 2009 my husbands income has been compromised due to child support being deducted from his pay check. And as of August of 2009 due to excessive debt we have retained a bankruptcy lawyer, however we do not want to lose our home and have not added it to these proceedings, and have expressed this to HFC during my last several calls to customer service. On Sunday 11-29, I spoke with someone named Nancy and she proceeded to tell me that she could not speak with me or give me and further information since we are filling bankruptcy, and I tried very diligently to explain the situation to her and she just refused to speak with me in any capacity.

So I waited until Monday 11-30 to try and call again, I spoke with Tony who was very receptive and empathetic to my situation, he stated that the notes in our account we very confusing and not organized and some of the ones I spoke with were not even in there, this letter was his suggestion, in order to reapply for hardship since I was told several times that we have no other options with HFC since they are not part of the USA government bailout. So apparently our options are, pray that we get approved again for hardship or try to get with a different company, which would be impossible since we owe more than our house is worth, and have a second mortgage as well. It is with sadness that we have to deal with foreclosure, after all the hoops we have had to jump through to keep our home. HSBC has forced us to lose our home! We are now severely behind and just waiting for HFC to take our home, this company deserves to be shut down and go bankrupt! They have no feeling for the hard working middle classed family. This has put a great deal of stress on myself and my husband, emotionally and physically.

HSBC has been making it impossible to make a large mortgage payment online for an investment property. Month after month, their system makes it impossible to pay online. Often, they do not send the requested mail copy so I can pay by mail. This month, their computer took the online payment and approved the transaction. Then on the 20th, I get robot calls from HSBC saying no payment has been made. I wasted nearly an hour phoning and holding. I resubmitted all the online data and and recode, again approved. But days later, still nothing is showing paid. Finally, I sent a check via priority mail with a letter instructing them not to cash this check if their online system finally dribbles out a successful payment.

Today, May 01, my bank account is overdrawn because these misfits ignored the letter, managed to put the online fee through, then cashed the check as well. Apparently, they not only have trouble hiring anyone who can do elementary computer work and also can't or won't read a letter even when attached to a check. This appears to be a deliberate or extremely ignorant set of actions on the part of HSBC. It damages my credit, steals late funds from me, steals a second payment for me (which they never returned), wastes an enormous amount of time, gives no human response (or any other kind) to complaints and continues to do it month after month.

I have been applied a loan modification through HSBC. They lied to me to pay a 6-month trail period with a forbearance agreement with permanent lower rate afterwards which they provided. However, after I paid the 6-month trail payments, they deny my loan modification and added all the diff. plus penalty/interests onto my loan balance and kept on calling me everyday harassing for the payments I did not owe to them. I think government really need to help homeowner like me to force HSBC to do a more ethical and legal and fair/honest business to help homeowner like me to keep my house due to this difficult economy time is US.

Five years ago, in May of 2005, my husband and I got our home through HSBC Mortgage Services. At the time, we realized that the interest was really quite high, I believe around 10.5%, but our mortgage broker said we could refinance it in a year. Somehow that year came and went and we still haven't been able to do it. Our calculations show that we have paid HSBC around a whopping $39,000 in interest, and we haven't even paid $2500 on our home in five years. Since the interest rate was ballooned and the payments have gone up with the interest, there were times when our interest was over 13% and we were paying around $850 per month. We had a few problems keeping up with it, but even when we got behind, we somehow managed to catch up until now.

On September 29, 2009, the military told my husband that they were not going to renew his employment contract with Missouri Funeral Honors Team. That loss cut us from around $4000 a month down to less than $900 a month until he was able to find two jobs as a CNA in mid December. Even then we were only making about 1/3 of what we had been. Then, at the end of January, I got laid off from my job, which put us in an even more dire situation. Needless to say, we are behind on everything. We have tried to work with HSBC to get them to lower our interest so we can have affordable payments. They wanted proof of our income, which we have, and $729 which we don't have, so they won't work with us.

On March 31, 2010, we found our names in the legal pages of our local newspaper. Our house was to be auctioned off on April 22, 2010. Again, we called HSBC. They said that if we paid them around $3300 by or before April 15, they would stop the proceedings. The next day, they called back and said that if we could pay them the $2187 for three of the months we are behind, by April 17, they would tack the rest on the back of the mortgage and stop the proceedings. A week later, on April 7th, they called again saying we owed them around $5800. On April 14, they sent out a bill for $5290.78 which included May's payment of $680.86. Today, April 29, 2010, we received the paperwork offering us $850 to be out by May 27,2010.

What do we do? We have even called the Obama Housing Relief Program and gave them all of our information. They said we didn't make enough money to do anything. My husband has since been employed on an active duty basis in Fort Leonard Wood MO, which will increase our income considerably. He starts that job on May 3, 2010. Now Obama's plan won't help us because we make too much money.

HSBC has been using us as a cash cow. I find it suspicious that they can't come up with an exact total of what we actually owe. I find it suspicious that no matter which of their many numbers we call, we can never talk to a supervisor, or even the same CSR twice. How can we get ourselves out of this situation if they won't be upfront with us and give us solid information?

I paid my car loan off in March, which was 17 months early. I have not received a refund on the interest for those 17 months. The only people I can talk to is the company that bought them out, which is Santander. They gave us a refund of $27.18. They said they are not responsible for the interest refund due us. All we are getting is the runaround. We can't find anyone to help us.

I, the credit card holder of HSBC on the date 28/3/2010 at Tanjong Karang, Selangor. Back To K.L. When I stop at the station Shell-Chop Hup Joo to refill the Diesel, but the worker was provided me the very bad service, and very bad attitude to me. That's way I stopped and inform counter to cancel the deal but the petrol station's worker still using my credit card without my authorize and knowledge as I already inform to cancel before I get back my credit card but the transaction is still has made by then! As on the credit card statement of 13/4/2010. They is all above my complaints!

I paid the settlement amount for our four accounts to be paid in full. Now we are being sent to different collection agencies for the remaining balances and incurring late fees. We took out a loan to settle the accounts and it didn't matter. It is blatant fraud. Help!

I had a rough patch and went to a friend who offered me a consolidation loan with his company. He needed a written statement from each creditor to settle each debt. I had little problems beyond the amount of time it took excepting for HSBC. They actually fought against their own agreement to pay them, which made no sense at all.

So now I still have a debt outstanding that I can't even pay one with them because instead of being open and honest they lied, refused to cooperate and flatly lied. All for a few measly bucks. I asked for a statement of the terms we agreed to for a payoff, via fax. They mailed it and did not fax it, they added a drop dead date for two days before I received it.

They refused to honor the agreement saying it was after the date stated on the letter which wasn't apart of the agreement made with them. There very dishonest I advise everyone in America to boycott HSBC. That'll put them out of business. There are many honest companies that were helpful or at least don't play games with you when you just want to settle a debt.

I was sent an inflated bill to pay. That legal notice is to pay double the amount as to what needs to be paid as per the current statement. The statement figure is also wrong, showing only the false and financial charges. Please arrange to waive off all the charges.

I bought a complete bedroom and living room set. Its been a complete nightmare that first year, the fabric of the love seat started to rip, my bed broke twice and even though I bought warranty for everything it was a total waste of time. The guys who came out to do the first repair basically jammed 2 nails in my bed and that was it. After another month or so another peg that the bed was resting on broke. Recently, the entire right side slant completely broke off, am sleeping on the floor.

I called warranty company who informed me there is nothing they could do because company went out of business (of course didn't informed customers) and had to refund the money I paid for the warranty, my problems didn't stop there. HSBC sent me a letter hacking my bill up from $960 to$2300 ridiculous! Saying my promotional period ended that this is all finance charges sine 2007.

I cannot afford to pay this bill especially since they gave me a $3500 credit limit of which I used $3200 and did paid it down to $960. So now, I have to pay a huge bill plus re-purchase furniture? I definitely need a lot of help this is very unfair to me as a customer

The usual scam with HSBC. Since i opened the account and made a purchase, the account has been locked out or re-evaluated. It's impossible to make any payments unless an additional $15.00 charge was assessed for taking phone payments. My check was never cashed. This is a scam that needs to be exposed. Repeated phone call resulted in insults or demeaning answers. I can document the numerous screen captures.

I called to find out when HFC sent out the statement for the loan and was told it was sent April 1st. It is now April 7th and I have not received it yet. This payment (after me asking) is due April 11th. Tomorrow, I will be sending a check that must be signed for by one of your agents. Since my elderly father passed away, it has been a horrible experience trying to deal with your company. Who is in charge of this company and is he or she aware of the poor customer "service"?

After my father passed away, it took us 2 1/2 months to get his affairs in order. During this time, we kept in contact with your company through phone calls and faxes since I am my dad's trustee. It was during one of these calls that I asked for a place to send the loan payment that I was informed that I should be receiving any day an accelerated foreclosure notice.

We are now paid up to date, but now we are having a problem with even getting a monthly statement from their company. They can send out a foreclosure notice quickly but can't manage to get out a monthly statement on time? Is someone hoping for late payment fees to be tacked on? Honestly, I am surprised they are allowed to continue to operate a business in California.

By the way, when my 92-year old dad passed away, we found out that 8 years earlier he took out a loan on his paid off home at 10.5% for 30 years without an insurance policy. Who gives an 84-year old man a 30-year loan? It appears to me they were hoping to own his home cheap. Even now, his home is worth more than what is left on the loan.

We will continue to make payments until my husband finds another job so we can then qualify to refinance with another company. Why isn't this considered elder abuse? It has been stressful enough to deal with my dad passing and trying to get his affairs in order and then to realize what appears to be that someone took advantage of my elderly dad, while he had dementia and then to be treated so badly by this company while trying to make things right just makes all this even more stressful.

This account was opened by my wife. I didn't know that she did. I made payments and I turned it into fraud, after she told me. I explained the situation to them, and we had an agreement. I was to make the payment, and they were to waive all late charges. They never waived the late charges after numerous calls and agreements with people in their collections department. There were numerous times they apologized to me. I never knew until I checked my credit, my account was in collections. This was over $300. I know they have the phone conversations recorded. I want my money back.

This cost me over $800 for a $500 debt, and they owe me the $300. I don't want the money. I just want them to clear my credit score. If anyone takes the case, please take the $300. I will throw in an extra hundred.

Direct Merchants Bank closed my account, and I never wanted it closed. I am really upset with them. The account manager I spoke with was Dave. I don't know his last name. He didn't say anything to me about closing the account, and they would not reopen it for me. I am really upset.

I have a Auto Loan with this Finance. I received a letter from another company saying for me to send my money to them. I never received a letter from HSBC about this change. I was never told that they can sell my info to a third party. I tried to call them about this change, and they would not answer my calls. I have to send my money somewhere else, but my loan is still under HSBC. This is about a personal issue, reason because I file complaints against for phone harassment. Is it my right to have a say where or who my social security number go to?

I should have gotten something from this bank about this change. All I received was a letter form the other place to send my money. I can't trust this place to send over $300 a month to. If I make a call from my number, it would be busy. I believe they have a block on my number, because of a personal issue about what happened in the past complaints. Thanks.

I have an auto loan with this finance. I received a letter from another company saying for me to send my money to them. I never received a letter from HSBC about this change. I was never told that they can sell my info to a third party. I tried too call them about this change and they would not answer my calls. I have to send my money somewhere else, but my loan is still under HSBC.

This is about a personal issue, reason because I file complaints against for phone harassment. Is it my right to have a say where and who my social security number goes to? I should have gotten something from this bank about this change. All I received was a letter from the other place to send my money. I can't trust this place to send over $300.00 a month. If I make a call from my number, it would be busy. I believe they have a block on my number because of a personal issue about what happened in the past complaints. Thanks.

I made 2 Debit charge with my Debit card to purchase some product. It just went through without any problem. I didn't realized my account was actually under balance at the time and I got charged for 2 overdraft fee $35.00 each. So, I dispute to the bank's customer service and they reply was "If you make a withdrawal from an automated teller machine owned by HSBC or other electronic funds facility, against insufficient funds or against funds unavailable for withdrawal, you will be assessed a fee."

I understand if it's a overdraft check, I deserved to be charged the fee. My question was, the bank or the machine should have known that my account balance was insufficient when use my debit card. They should not let it through or should not approve that transaction. But instead, they approve the transaction and charge me the overdraft fee. I think it's just their tactic to charge innocent customers. I was overcharge $70.00 in total.

Where do I start? Both my husband and I lost our jobs last year. We nearly went into foreclosure with our first mortgage with Wells Fargo but they put us on a forbearance. During this time, we were also delinquent on our $20,000 second mortgage with HSBC and they started foreclosure proceedings in May. In Sept, they put us on a forbearance. My husband, thank God, got a job but didn't get paid until November. So we went for almost two months just on my unemployment.

I called HSBC and told them that the Nov payment would be late and as soon as I received a paycheck they would get paid. They told me fine. So in early December, I sent a double payment. In the end of January, I got the check back and a letter saying they started foreclosure again. I explained that my husband works for an overseas company and I could not get pay stubs or a letter from Afghanistan.

So now, I am sitting here trying to get a modification or a forbearance and they tacked on $4000 in corporate advances and every month add another $1000 to the corp advances. So I cannot make a payment to become current because of their fees. I told them repeatedly that I could bring the payments current right now but cannot afford to pay the corp advances. What am I supposed to do? I can't believe I am going to lose my house over $20,000 loan that they will not work with me on and continue to charge exorbitant fees so I can't become current.

There has to be a way to get this done. But so far, everyone I talked to said the only way to make them back off is to declare bankruptcy. I can't do that because my husband now makes too much money and we have too much equity in our home. Help someone! My home, worth $250,000 and a first mortgage that is current, is going to be foreclosed on over a $20,000 second mortgage that I can't get any help in bringing current.

The year of 2008, my wife and I were unable to pay our taxes on our home so we let HSBC know about what was happening. In the year of 2009 HSBC said that they would pay the taxes, which were 3,100. So they had a dead line to get the money in by June 2, 2009, which they got the money into the tax office 4days late. The property went to a tax sale, the person bid 30,000 which means his name went on the title deed. In order to have his name removed, HSBC had to pay him 41,000, so they" HSBC" paid him off. With that being said HSBC place that 41,000 on top of our mortgage, which made our payment jump from 1650 to 2817 a month which have never been behind since they pull this mess on us. We're now behind about to lose our home, credit done. Unable to sleep well at night. Has cause my family such hardship. Can somebody help us?

Cash ATM deposit of $74.00 made on 1/10/2010. The machine malfunctioned and I submitted a dispute. Their investigation only came up with $44. I haven't yet received my $30, which was eaten up by the machine.

In early Feb. 2010, I paid the entire balance on my card and then closed the account. However, on March 16, HSBC made an auto withdrawal from my bank account for $100. When I emailed them about it, they said it will take three weeks to receive a refund!

I called 3/17/10 and spoke with C.S. rep to inquire about assistance with cc account opened 17 months ago to help establish credit for my son with me as co-signer. Chris is a full time student and I am a single parent that was working full time at the time. Little did we know what our economy was headed for! Now, I am laid off and Chris is not working at all anymore but living off of scholarship funds and what little I can share with him.

I explained all of this to the rep but he offered no alternatives or relief but stated,"you knew at the time you were purchasing a promotional 18 month interest free debt." Yes, we knew what we purchased but we did not know that life was waiting around the corner! I am very disappointed to learn that this corporation is built on these principles and will never purchase from them again. My son's chance at establishing good credit is shot and I am left holding the bag (which I am getting used to).

I have not had good credit for years due to losing my job and being self employed. Now that I am working steady, I needed a laptop which I purchased at Best Buy. I desired to rebuild my credit so I applied for a credit card with them. I was approved immediately but only for $300. It was a start. But, they charged me a fee that very minute of $60 or $70 which meant I had to pull even more cash out on the spot. Every bill I received had some kind of stupid charge on it. I took their offer of an extra dollar a month for hardship insurance (lay-offs, sick..). I ended up being off work for 5 weeks straight which allowed them to slap on $39 to my balance.

When I asked about the insurance I had paid into, they said it would take 4 to 6 weeks to get it approved and that was only if I could document everything through my employer. It was too much to go through for $39, not to mention the other ridiculous little fees. After 3 people and 2 days of arguing on the phone, I got the overage fee taken care of, so I was told! I then received another statement for $17 after making a zero balance payment. It was another phone call to a manager this time, explaining I was to have a zero balance. She took care of it quickly, so I thought again.

I used the card several more times in a 2 week period, staying within my boundaries to pay it off quickly. I got online to pay it off and their bottom line this time was $16 more than it was supposed to be. I called again (25 minutes on the cellphone) to end up nowhere. I'll probably pay the extra money because it won't make me or break me but when I get back home, I'm cutting it up! I don't need to build my credit this way. I would strongly recommend that no one deals with HSBC card services. Let them go bankrupt.

I bought furniture from Levitz on a deferred finance plan. In Nov 2009, I received three settlement letter offering a discount of the balance for paying early. I did so, paying the amounts indicated. I receive emails over the next 3 to 4 months about there being a balance on the account. I called each month and was assured that this was happening due to the time it takes to update their accounts, but that my account were in fact truly paid off. Then the next email I received it indicated that I now had accrued finance charges of over $2400 due to my balance not being paid off.

On February 12th, 2010, I spoke with a CSR Lavan whom informed me that in the fine print of those settlement letters they had a limited value which left me with a $14.52 shortfall. He went off and spoke with a supervisor and came back on the line and told me that if I paid the $14.52 by February 14, 2010 his supervisor would close the account paid in full. Well, it didn't happen and now they are unwilling to follow through on all of the promises. Why was I told it was paid off for 3-4 months?

Just before Christmas, I bought a TV at Best Buy and used their promotion of 18 months, same as cash. Best Buy as one knows uses HSBC for their financing. On February 25, 2010, I then received in the mail where I was pre-approved for an HSBC credit card, which had some very good perks. I called and was surprised that contrary to what I got in the mail, I was not pre-approved and had to go through the application process. I did that and today 3/1/2010, I received in the mail where I was declined because I had gotten credit within the last 90 days. Yes, that is true. It was from Best Buy who uses HSBC who would not have sent me this flyer if I had not had a history with them in the first place.

Talk about stupidity. And, don't get me wrong, because of the complaints on HSBC that I have been reading I am very glad I was turned down. I have found that most of these credit institutions operate with the right hand not knowing what the left hand is doing. I have found some of this companies act like they have a particular policy in hand, tell their customer service representatives of this policy and then change their mind. I call it flat out lying to their customers, a deliberate deceptive practice. But, my recent dealings with HSBC is just laughingly stupid. There has been no damage, I had a nice laughable moment because of their stupidity.

I have account protection plus on my Master card in case of unemployment. I was laid off in April 2009. I continued to pay my bill on time each month. Since I am now hitting financial difficulty, I called to activate the protection. I was told, "so sad, too bad". I did not let them know within 6 months of becoming unemployed so I cannot activate the service.

You know, you try to do the right thing and you get screwed every time. This is just my first complaint. I will be contacting the NY State Banking Commission, the Attorney General of the State of NY and US Attorney Generals office as well.

When I spoke to HSBC I was told that account protection services is a division of HSBC. When I spoke to the manager of HSBC, he advised that they are a 3rd party provider. He could not give me the name or address where I could contact someone. Since then I have learned that the Manager lied-it is a division of HSBC. Shame on them. And shame on you if you do nothing.

I have an online CD account with HSBC, that I have been trying to close. I called the HSBC customer support number, and was told I must process this request online, using their Bank Mail (e-mail) service. Via Bank Mail communications, I was told it would take up to two business days to close my account. Now, 12 business days later, the account is still not closed, and I've been told it will be another two business days. During this time, I have sent four requests to Bank Mail, requesting that HSBC close my account, and each time I'm told it will be another two business days. I called again on business day 12 to complain, and let's just say the person I talked to was useless. I need the money to make my house payments.

Over the course of the last year or so, due to the economy and the job market, I have fallen a couple of months behind on my truck payment. Once I got back on my feet and started to make major strides to pay off my loan, HSBC just continued to hound me with phone calls on a daily basis, calling as many as 10 times a day.

Sometimes, they would call and a recording would ask me to hold and then they would just hang up on me. I understand I am behind. But in a two month period from 12/17/09 - 2/26/10, I would have paid 3 full payments of $582.91 plus another partial payment in the amount of $400 for a total of about $2,200 in 70 days, an obvious attempt to catch up and get my payment out of arrears. I don't think it's fair that they call and wake up my 2 year old with their excessive phone calls when I am doing everything possible to pay them.

The damage is a consistent badgering at my private place of residence, where all members of my household are being harrassed when they haven't done anything. I owe this company $583 dollars a month and over the last 70 days they have gotten that much, plus another $1,000.

HSBC is the worse bank ever. Why are they even allowed to generate business in the U.S? If you are going to do business here in the US, at least hire someone from US speaking citizens. They reported incorrect information on my credit report and will not resolve the problem. They are listing three accounts when I only have one account with the bank. The CS rep was explaining to me how to contact the credit bureau but could not explain to me how and where did the other accounts come from. I asked her, "How is it you can tell me how to handle another company but cannot tell me how to handle your own company?" I promise you I am paying the bank off this month and will never bank with this *** bank anymore. Oh, all three accounts are up to date and paid as agreed. This bank need to be banned from the United States. Whatever company uses this bank? I will no longer do business with you, guys and that's a promise. It easy for me to save my money and lower my blood pressure.

I took out a short-term loan through HSBC, 6 months, $5000. My business was flat in November - December. I called in December to tell them so. They said nothing would be done at that point because my account was current. In January, I had a couple of phone conversations saying that I had gotten behind in November - December and agreed to send smaller goodwill payments of $100 each. On February, same thing. In the February phone call, the lady warned me that in 55 days, my loan would be reported on my credit statement, but nothing major until then.

Last Friday, February 19, HSBC took $872 from my account without telling me beforehand, then today, Monday, an additional $425 without telling me. I have bounced checks, etc. No forewarning, in fact, they're telling me one thing on the phone and doing another. Beware of HSBC. I had to call other creditors, businesses I interact with, to inform of set-back payments; embarrassment, diminishment of my own credibility.

I closed my account after seeing what the interest rates would be climbing to as of this year. The very next statement after closing my account I received my statement with a $39 late fee on it. I mailed my payment in before the recommended mail date and they said they didn't get it until after the payment date. I called them and told them I had been with them for over seven years and never had a late payment. They didn't care. They said they could remove the late payment.

So then I mailed another check paying $200 that month. When my next statement came I mailed it three days before the recommended mail date and they posted my 15 days late to go to California from Washington state. Sorry doesn't take that long and I was told that couldn't fix the mail delivery system. I asked to be transferred to a manager and she told me the same. I asked to talk to someone higher than her and she said there wasn't. So is this bank run by some call center manager? I mailed four other bills out the same day of mailing my HSBC payment; one was going to Florida another in Iowa and another to Pennsylvania and another to Texas. All made it on time except for HSBC and they are the closest. I smell something fishing with this bank and they need to be investigated and start a class action law suit. I want these bogus fees back. Help!

I checked my credit few months ago and noticed that I have in my credit report my husband's card account. I never signed with him to join this account back in 1996 and for that reason I asked them to removed me. They sent me a form but they rejected my request because they said I am also responsible for this account. I filled a second form and have the same answer. I asked them to show me proof of any signed authorization joining this account and they said that they do not have any records from 1996. My husband and I never, ever have any credit cards joined and I was only an authorize user. What should I do for this people to remove this account from my credit?

I have a credit on my credit card account, no balance for months, no late payment and they are charging me 19.99% APR. Is this legal? Is there a cap based on prime? I spoke to their customer service rep and manager; both say the bank sent out a "Change of Terms" back in August 2009. Do I have any right? I closed the account and vow to spread this injustice of HSBC. They are crooks.

I received the forms, had the doctor fill them out and sent them in. I waited and waited and heard nothing. When I finally spoke to someone, they told me my claims were denied because I had not had the insurance long enough. He said I got the insurance in the beginning of March and filed a claim at the end of March. I told him to take a look at the dates again as I got the insurance in March of 2006 and filed a claim in March of 2009. He apologized and said he would resubmit it.

Again I waited and waited. Finally, I spoke to someone else and was told that I did not have any insurance on the loans. I asked them what I was paying the extra money on these loans for then and told them about the previous person I spoke to who said I didn't have the insurance long enough. Again, this person said they would resubmit it.

After waiting some more, I was told that I had insurance on the $10,000 Home Equity loan, but not on the $100,000 Mortgage. I explained that I had received a letter from HSBC congratulating me for choosing insurance that would cover my Mortgage if something happened that kept me out of work. She told me to fax her the letter and in the meantime she gave me a number to call to apply for a hardship case to reduce my payment for 6 months as I was only getting $100 a week on disability.

Not knowing what to do, I called and applied for this which I did finally get approved for although it wasn't much lower or much help. I also faxed the letter that they requested stating my mortgage would be covered if I were out of work. I received a call a few weeks later and was told that the letter must have been a mistake, that I only had life insurance on the mortgage not disability insurance. I told them that is not what I was told when I asked for life and disability insurance when I got the mortgage and that it was Household Finance that sent me the forms for the disability claim with the account numbers filled out so they apparently knew I had this insurance. I asked why in the world would I put disability insurance on a $10,000 loan and not on the $100,000 loan and what was I paying $132.99 extra per month for if I didn't have this insurance.

They had no answer to give me, just that they would not be paying the claim on the mortgage but would on the other loan. This went back and forth for weeks with them making me fax them letters and information, etc. which was very difficult as I was confined to a hospital bed and was not supposed to be on my feet after my surgery but had to keep getting up and literally crawl up the stairs to my office to obtain information they were requesting every couple of days, not to mention that the stress alone was detrimental to my health.

I went back to work in August and still had no resolution to this, until October 14, 2009 when I received a letter from Laurie ** at HSBC Insurance Customer disputes. The letter stated that they "had reviewed the circumstances surrounding the claim I filed and in interest of Customer Service and good faith and in an effort to resolve this dispute, they would honor the benefits as a one time courtesy under this claim only. " It went on to state that "they would also give me the option to cancel the insurance for a full refund."

I called Laurie when I received the letter and she stated that they would deduct the amount of the mortgage payments I paid during my disability from the mortgage balance. I told her that was not acceptable as I had to use the money for my property tax to make those payments and needed the money back to pay the taxes. She told me to fax her a letter the next day stating that I wanted a check and not a credit on the mortgage. She then suggested that I also cancel the insurance as I could get Life Insurance less expensive through work. She told me to put that in the fax also. I told her I would fax that the next day and she said to call her and let her know when I faxed it so she could watch for it. She told me I would receive 2 separate checks, one for the mortgage payments that I made and one for the refund of the insurance.

On November 13th, I received a check for the Insurance refund and called Laurie to tell her that I had received the check for the insurance but did not receive anything for the mortgage payments. She reminded me that I was told I would receive 2 separate checks and that I should receive a check for the mortgage payments within the next few days. Today is February 16, 2010 and I have still not received the 2nd check. I have called Laurie everyday and only get voice mail. I leave messages but never get a call back. At this point, I have now left over 100 messages on her phone.

I contacted Customer Service who also tried to contact her but was unable to. When I asked Customer Service if there is someone else in that Department I can speak to, they don't know who else is in that Department. When I asked Customer Service to speak to a Supervisor or Manager, they don't know who that is.

I have Health Conditions that require me not to be under stress. This is ridiculous and my property taxes are still not paid and keep increasing with penalties as time goes by. This is supposedly the People's Bank and on their website they say that Customer Service is their #1 goal. Well, that's a joke. I cannot believe that no one answers their phone and that they can get away with this. I had to use the money that was in my savings account for my property taxes to pay the mortgage. Well, I was out of work and have still not been able to pay them. They keep going up due to late penalties as I have been waiting for this check to pay them. I had to use the check from the insurance refund to pay medical bills but had I known the other check wasn't going to be here within the few days like she said, I would have done things differently.

HSBC mastercard on fixed 7.99% rate since 2004 was suddenly changed to variable 13.99% rate effective January 2010 despite my impeccable credit rating 804! Explained Heath, HSBC credit card manager, the change was a corporate decision to change "all" fixed rates to double variable rates in advance of the newly enacted credit card protection law! I asked Heath to tell me what my balance was for January 2010. Heath said, "-$760." I asked what the minus stood for he admitted that I overpaid $760 in to the HSBC mastercard account.

Next, I asked Heath what my February 2010 statement balance was and Heath said, "-$534.96." I asked Heath again what the minus -$534.96 meant and Heath explained again that I overpaid HSBC by $534.96! So, I asked Heath to clarify. He said that I've been overpaying the HSBC credit card account. Heath with a hint of frustration asked what I wanted done. I said to Heath I want the previous fixed rate of 7.99% restored! Heath said, "No, because you have the lowest variable interest rate. I can't lower the rate for you." At that, I said give me someone who can restore the previous fixed rate. Heath said, "If the interest rate is all that you called about, have a good day!" and hung the call at his end before I can reply.

Interest free account for bedroom furniture was paid off before interest free period expired. The payment was sent to the certified mail (10-30-09) and by certified funds. HSBC made an unauthorized charge for "account protection" one day AFTER account was paid in full (10-31-09) for $ 171.30. The amount HSBC claims now claims are due has grown to more than $ 264. I have disputed this transaction by phone, fax, e-mail and certified mail. I loss of time from work, been stressed, had a sleeping disorder, and a damaged credit rating.

In the mid of year 2008, a representative of HSBC came to my office for the long life membership of HSBC credit card. Only the words of him, I signed on the forms submitted by him. After few days, I received a card number in the name of Jag M., whereas my correct name is Jagmohan M. Even after contacting on help line many times and submitting the documents again, they are not able to issue me a fresh card with the correct name. They advised me to transact with this card only; however, I didn't do.

The result is that many service providers, who took the data from your site, starts calling me Jag M. Due to your carelessness, my identification has been changed from Jagmohan M. to Jag M. Finally, again I contacted on help line and requested either to issue a fresh card or I will cut into pieces. Again, I waited for more than 20 days but all in vain. I cut the card into four pieces and destroy it and this information was also conveyed on help line. After 2-3 months, I received an SMS for making the payment of non-usage card approximately 150/-. Again I contacted with helpline; they assured me for waiving off this amount and closed my card on October 10, 2008.

Now, it is surprised to note that from November 2009, I have been receiving unnecessary and harassment calls from the Recovery Cell, Noida to make the payment of approximately Rs. 9,500/-. Even after many requests to him and narrating the whole above story to different persons in different times of the Recovery Cell, they are not still able to tell me on what account HSBC is charging such huge amount. It is also shocking that they traced the telephone number of my daughter and making queries for making the payment. How HSBC, a leading bank, can make such type of steps for not complying with the instructions of RBI issued time to time for such cases. Presently, such type of atmosphere has been created at my home that we are afraid to listen the voice of telephone calls. I contacted helpline again but no officer is ready to listen my case.

On January 29, 2010, I contacted over phone number 044 nodal officer of consumer cell of HSBC. She registered a complaint and assured me to sort out the case and also assured that in future you will not receive any call from Recovery Cell at your home. Even after assurance, still the calls are coming. However, after 4 days the nodal officer contacted me on my mobile number that my case has been scrutinized and the charges levied are towards the card shield, which was in beginning Rs. 225/- and it accumulates now to approximately Rs. 9500/- (and this you have to pay). Really, again, I was shocked to listen about such type of charges. I have never opted for card shield. How do you levy such type of charges without informing to me? Moreover, it came to my notice after passing of more than one year. I replied to nodal officer that I will not make such payment. The nodal officer again assured me that she will contact after scrutiny the application again.

I am working as an officer in a Navrattana company at Delhi and I am paying income tax to government between 45000/- to 50000/- annually. Moreover, one of my colleagues also registered for the HSBC credit card on same day with the same representative but HSBC has not levied any charges towards card shield so far.

Is there any responsible officer in HSBC who may reply for the following: (1.) Why HSBC is not able to issue me a fresh card with the correct name? (2.) When this card was closed on 10th October, 2008, why HSBC is charging such a huge amount towards card shield even without informing me after passing more than one year? (3.) Why the representatives of Recovery Cell are harassing me without the knowledge on what account the recovery is made? (4.) Even after getting assurance from the nodal officer of Public Grievance Cell, still I am getting such calls? (5.) Why should I pay such amount which I have not opted/requested?

In Oct. 2006, my mother suffered a stroke and my father had to stay with her in the hospital for 8 months. I was the only one working at the time so I paid for all their bills and took care of my 4 kids and my niece and nephew. My husband was a full time student because he was laid off from work so I was the only one working.

Well anyway, it all started when my father spoke to an HSBC person in California and they told him that we could get a hardship because we fell behind on our mortgage payments by two months and because his wife (my mom) had a stroke. We should receive information in the mail. They also told us not to pay the following payment because they would put it all in the hardship plan. Well, wouldn't you know that we never received anything so we fell behind another month? So then I paid two months of payments which were $2,400.00 and of course, I paid 1 payment from my checking account and they took another payment on top of the 2 that were already made 2 weeks later.

They made my bank account overdrawn by a lot of money. I work for a school district as a teacher and my bank was very strict and they demanded the money back. Thank God that my bank gave me my money back but HSBC stole that money without my permission. Well, my dad called HSBC and, of course, it's never the same person and they said that we never were approved for any hardship and we shouldn't be waiting for any paperwork and we needed to make payments on the house.

My dad and I were calling back to back and they always said something different from the last representative that we spoke to earlier. I finally started to record the representative so I could have prove to what everyone was saying because they never had anything on file about what was discussed. We documented every time that we spoke to them and when. I felt it was only right for me to tell them that they were being recorded for my records as well and can you believe, they hung up on me!

Finally, we started to pay 300 to 400 hundred dollars more than our regular payment so that we could catch up faster. Then it came down to us having to refinance and we were not eligible because they kept putting that we were behind. Well, our mortgage has a flexible interest rate now and we have lived here for 6 years. In all those years, our house has only gone down 6,450.00 dollars. Meanwhile, the house is falling apart. We have no money to make repairs. My parents are both disable senior citizens and they were told by social security they have to get a divorce to so that my mom can receive what she is owed and they won't approve my parents for Medicare. I have to pay for medical bills and meds for my mom so she doesn't have another stroke.

This all because HSBC won't give us a break to refinance and put the house under mine and my husband's name, so that the interest rate will go down and we could start fresh. But no, they want us to keep paying the interest while about only 100 dollars goes towards the house. Oh, did I mention that both my parents and I had to file for bankruptcy because all our bills were getting out of hand? So what happens now? We have to choose this broken down house with high payments or live in the street. What options do we have? HSBC has made it clear that they won't help. We really don't know what to do. All we can do is pray and hope we don't get thrown in the street. The economic damage is massive. The physical damage that resulted from this is that we are left with no money to make repairs on this broken down house. This house is falling apart by the month.

I have invested in mutual funds through HSBC Bank. Not only did they unwisely invest in non-performing funds, they also did not bother to switch to other funds after I drew their attention. When you invest through HSBC, there is no other way to approach the bank except through so-called relationship managers.

In two years, four relationship managers who were handling my account changed. Instead of the bank keeping track of my investments and providing service I ended up keeping track of my funds as well as finding out who my existing relationship manager was. HSBC's standards of service are so poor and their customer care helpline is the best example. They take 15 to 20 minutes of your time to verify the caller's details and then simply say they don't have the numbers of names of the relationship managers handling your account. The standard reply in case you go through the trouble of sending a complaint via email is that the email has been forwarded to the relationship manager concerned and a reply can be expected in 5 working days.

When in two years, my invested amount was reduced to half, I decided to dispose them so that I could redeem whatever was remaining, HSBC simply stopped showing interest. I gave my request for redemption for one mutual fund on January 11, 2010. I do not keep track of the stock market much but a casual check on internet showed that the marked was good and I could dispose off the fund without much loss.

However, HSBC did not forward nor process my request till January 27. When I took up the issue strongly with the relationship manager, he passed the buck to a junior colleague who claimed to have put the fund for redemption on the same day when the stock market fell by 410 points for the first time in six months and the fund I was trying to dispose off went down even further.

However, even after three days HSBC could not inform me at what NAV my fund was sold and what is the amount I would receive. So much for their online systems etc etc. Even today, when I called the relationship manager he could not tell me the correct NAV nor could he say when the redeemed funds would be credited to my account. HSBC calls itself the world's local bank. It truly is cheap and very local. I am putting my experience so that other citizens do not fall not the trap or make the mistake of investing through HSBC.

I can assure you, not only will you lose your money but it can prove to be a vexing headache if you want your money back. Due to HSBC's mismanagement, the amount I invested has been reduced to half now. I am spending so much money even now to just contact the relationship manager and redeem whatever is left.

I have a small mortgage for $30k with HSBC at 7.75%. I got the mortgage in June 1997. I was told that I had a one-time option of paying $500 to lower the rate during the life of the loan. I tried doing that a few times and each time, I got a different story.

The first time, I was told that the fee is $1,500! The next time, in early 2009, I was told that the offer was only good before I signed the loan papers! Then when the "Home Modification" was offered, I signed up for it and I have met all the guidelines. I have a job, but due to pay cut and a large medical bill, it was hard. I spoke to them, and filled out all the required papers and provided copies of everything including the medical bills.

During the three months term, each time I called, I was given a song and dance. Finally, I was told that I was not eligible even though I met all the requirements, and they said that they had sent me a statement, which was not true.

HSBC Mortgage is the worst and I do not wish them as my enemy. They are vultures who love charging me 7.75%, and of course they are more than happy to refinance my mortgage, which means, like getting a new mortgage and I have to pay for everything including inspection and closing cost! I pleaded that if they could lower my rate from 7.75% even by two percent it would be helpful but they did not.

I hope they get fined millions of dollars by district attorney's office for discrimination. I have no doubt that they think, because of my name, that I am a dumb foreigner and did not know any better. I do tell everyone I meet to stay away from HSBC. I am still paying 7.75%, which is difficult so I have to ride a train, which is fine with me, but I have to stay in a dark corner at 6:00 am to save gas and lower my bill.

American River Credit Union was purchased by Safe Credit Union. I attempted to make my credit card payment online. The payment was denied (never before) due to incorrect bank info. I called HSBC. A supervisor Martin said, "you have to add 0000 in front of the number". I did this while he was on the phone. Again, it did not go through. After 4 attempts, Safe Credit Union provided me with correct info, same account number but two additional numbers after the original account number and a separate routing number.

I have been charged a total of $152.0 in "chgs rtn ck chg" and interest on my account for attempting to pay my bills. I have called HSBC, explained everything. I was told by Martin to get a letter from my bank stating no 0's are needed and charges will be reversed. That was not the case when the letter was sent over. I got another supervisor said to send him my personal banking statement showing that the money was available, additional charges would be corrected. I sent this to the resolutions team and still no satisfaction. I spoke with a manager on 1/20/10. Leneigh stated all info was received and resolution will determine if charges will be corrected, it was not their fault. After a month of my time, I still do not have a resolution today.

Over the past two years, my experience in dealing with HSBC has been laborious and frustrating. As an international traveler certainly does not behave as an international bank. Transactions against my US accounts could not be accomplished in branches outside of the US. Traveling in Florida, HSBC does not even have branches in Florida. Dealing with their Customer Service via telephone (beyond the frustration and insults of the automated system) was like dealing with bureaucratic automatons. Their online access is cumbersome and does not process transactions in real-time. Transfers from checking to line of credit are not posted for from 24 to 48 hours. HSBC is neither an international bank nor a neighborhood bank.

I received a credit card from this company, and on my second transaction, I was notified via email that there was a security alert regarding my transaction and I needed to call their 800 number to verify the transaction. After verifying information about me, they asked questions from my public records relating to other people's private information and wanted me to answer correctly, verify the other person's place of address or name that was on my public record, and since I did not know this information, they locked my account stating that I needed to verify myself because I did not pass their series of questions. I thought we have a privacy act? Companies cannot verify or give out any other person's personal information without prior consent.

This company that I thought was located in the United States has given a subcontractor outside our country the right to view my private information and other family members' information that is in my public record without my consent. I don't know the law in other countries and I don't want my information given to anybody outside of the USA.

We refinanced our home with Beneficial (HSBC) in February 2007. As the mortgage specialist advised, we agreed to bi-weekly payments. It became evident after a year that we would not be able to pay that kind of money every month. We applied for a hardship reduction. The hardship reduction was approved and our payment was cut in half. We received a letter stating that the payment was reduced for 6 months (August 2009). Our understanding was that after 6 months, this hardship would be reviewed.

After the 6 months, Beneficial told us to continue to pay the reduced amount. We did so. In January, out of the blue, a deputy left foreclosure papers on our front door. The papers included a court date less than a month away. They had also scheduled our home for a sale! Upon contacting Beneficial on how to fix this problem, we were informed we would need $4,500 (on the same day the papers were served). We called Beneficial for a confirmation on this amount and the amount three days later was over $7,800.00! They also tacked in $1,295.00 attorney fees. They also want another payment before the end of the month.

The loan amount was $138,000.00. The balance remaining after 3 years is still $144,000! If we were able to keep this loan and pay it off, at the end, we would have over $400,000 paid to this company. So, did they go back before the hardship and add the other half for 6 months? $4,200.00 plus $2,800.00 equals $7,000.00. What real reputable company does anybody know would let a customer get that far behind before foreclosing? They don't take partial payments, so how is it they would let us continue to pay the reduced amount from September to December? They would not. Now all of a sudden, they are trying to take our home, and put 3 small kids out on the street.

HFC has been defrauding us and charging exorbitant interest, late fees, etc. for years. They conveniently lose electronic payments, take 10 to 15 days to process payments and trying to deal with anyone over the phone results in nothing but I'm sorry and runarounds and disconnects. The last person I talked to was in India and though my bank has tracked down the two "missing" mortgage payments, they have yet to issue a refund. They revoked our hardship mortgage application because we were told we did not reapply, even though no one told us we had to. We are both disabled, on limited income and because they have ruined our credit, we can't even refinance.

I purchased a car (2003 Buick Century) with HSBC Finance in October 2003. The contract states 72 payments for a total of 6 years. In the past 6 years, I was 15 days late on my payment only 2 times and did pay the late charges shown on the payment the following month. I also requested an extension twice in the 6 years, so my final payment was two months later than in the contract. I followed all the guidelines for the late payments and the extensions and was never told there would be any other fees incurred for the late payments or extensions. My last payment (72nd) was paid in December 2009 but HSBC now tells me I still owe $1130.52.

I spoke to a rep on 1/4/10 (after receiving a bill for January 2010) and was told that was the amount due because of the two late payments (which she acknowledged I had paid late fees on) and the two extensions I incurred this additional amount. There is nothing in my contract that states this and no one ever said anything about this additional amount being due for late payments or extensions. I am furious and want this loan to be paid as of December 2009 as it was stated in my contract after the 72 payments were paid. I am a single (almost senior citizen) person and cannot afford this extra amount that is not due on my loan.

I met my obligations and paid all my payments even at times when I could not afford food. I want the company to meet their obligations and mark this loan paid in full as my contract stated. I have a copy of my contract if necessary to show the payments, etc. I am also sending copies to the Attorney General, Consumer Affairs and Call for Action regarding this matter. I have tried to work with the company, but they just insist this is due even though it isn't/wasn't stated on my contract or when I requested the extensions, etc. I am still being charged for this loan that I paid in full as shown on my contract.

Been a faithful consumer with them for several years, never missing a payment or ever been late. Called them to find out why my monthly payment was up from $38.00 to $175.00. They said that because I paid them monthly payment of $40.00, instead of their newly increased monthly payment of $41.00, they tacked on a late fee. Then when the late fee occurred, it put me over the limit, so therefore they charged an over the limit fee. All this over $1! I called to work something out, they said that the only way to fix it is to pay the $175.00. I don't have that as my home day care business is barely treading water right now. They said that they won't work with me and hung up. They are now making daily calls to me collecting the $175.00. I told them on one call that I will continue to pay $40.00 per month and that they can close my account. They are still calling even though I am making monthly payments of $40.00 a month currently. They are unwilling to work with people with certain circumstances and now they are threatening my credit. All this over $1!

I received a mortgage from HSBC. I was originally told that to avoid CMHC fees, it would be less expensive for us if they split the mortgage into two. The rate was to be blended. We, due to loss of employment last year, got behind. They claimed to help us and pull the mortgages current, add on the end of the term. They claimed they were helping us. The mortgage came up for renewal. They said they would not renew the second one. The original amount was $38,000. They sent one letter indicating we owed $40k. I heard absolutely nothing on the first mortgage.

I offered them $175k to pay it out. They refused and sent statements claiming we owed them $183k; original mortgages combined $181k. Now, they have turned the file over to legal. I received a letter declining our offer of $175k a month after the offer was made. Our matter with HSBC sounds a lot like predatory lending here in Canada. They are the same up to the same old tricks of deceit, fraud, and bad faith. I would have thought they learned their lesson. It doesn't seem that way. We are in the throes of taking legal action against them, including but not limited to class action.

As of April, I have been trying to get this company to work with me. I have become totally disabled and now living on a fixed income as a result. This company has refused to either lower my monthly payment or April but in May, I noticed that the APR was 16.99% after notifying them in April about my disability and the fact that I was no longer working, they raised the APR to 26.99% in June.

I spoke to numerous representatives but to no avail. I filed a complaint with the OCC and HSBC responded with telling the OCC and me that they offered me settlements that I refused.

I am in the process of replying to the complaint and HSBC refuses to return my calls. All offers involved money upfront which I did not have and informed them of this. I did not receive another statement from them until December when I received a letter of demand from a collection agency, ruining a near perfect 800 fico and because of HSBC reporting to the big 3 about the late payments and at the time I was sending them 100.00 a month and they still reported it.

I don't understand how this company is allowed to do business in the USA with such underhanded tactics. I got unneeded stress on an already worse condition. Another credit card lower my limit from $4000.00 to $200.00. I closed this account; they did me favor.

I can forgive your failing to call me at the times we have agreed for several times, blaming it to be telephone connection problems (despite the fact that there was no unanswered calls on my mobile phone at all, and that your colleague had no problem calling me, as evidenced by her e-mail). I would like a formal reply from HSBC as a global bank with regard to how you deal with the disclosure of my personal information. From your e-mail below, you have sent me the mortgage application package (presumably contains my name and the property I intent to buy), with track number 4128964490. It had been signed by ** on 31 December.

According to DHL China, 800-810-8000, ext 6702, they called 13916293841 and had been instructed to send the parcel to an irrelevant address. I asked DHL why they did not check the name of the person who receives the package and they said they never did, they only act according to the telephone number given.

You had put a wrong telephone number, you have called me, and it is: 13916293641, and I have given it to you over the e-mails and left messages at your office for many times too. I have full evidence for these. Zhu ** would have got all my personal information, my address, and the property I am purchasing. As a normal person, I deem it as completely unacceptable and plan to take legal actions at any moment.

I understand that you will be replying and putting all the blames to the irresponsibility of DHL and what a swindler Zhu ** is, giving fraudulent information and take other people's parcel. However, had you be more responsible, this would not have happened. It is your responsibility to deal with DHL. I fully appreciate the fact that HSBC does not care about the mortgage business, however even though you have no rights to disclose my personal information to other people carelessly. I would like a formal reply from HSBC as soon as possible.

I am sure that you will be claiming my request outrageous to demand a solution. I have put up with your delaying calling me back for one month (I have called from my end for many times, and every single time you arrange a new appointment without keeping it in the end),and I had been waiting for your courier document since 24 December. I only just found out today that the result of my hard work is to put my personal information into other persons hands and they are still are, and the result of this is so unpredictable, therefore I must demand a reply today.

My first request is that HSBC undertake all possible unforeseen legal fees resulting from passing my personal information to Zhu Liang Lin, and I would like a reply immediately.

HSBC has lost all of the probate information concerning father's estate. The home equity loan was original written by MarineMiddland when my father passed. Then the account was then taken over by Fleet Bank. All the information turned over, the only thing Fleet Bank needed was a death certificate, and every thing went like clockwork. Now HSBC took over the account lost all the information and will not accepet the probate information because it was under MarineMiddland/Fleet Bank

I have tried to speak to HSBC regarding a home equity loan that was under my father's name.

I was told I need a power of attorney, which stops at death I was then told by HSBC that I have to redo the probate because the probate was done under the MarineMiddlan/Fleet bank name. I never get to talk to the same person twice. When they call, me they will not give you a name. When they do call and I cannot take the call they never leave a message or even call back number.

Recently I have been traveling a lot for business outside of the United States. I have tried to make payments to this acct, but unless I am in the United States, they will not take the payment and I cannot set-up automatic deduction or pay on-line because of this. I don not mail the payment I am afraid of someone getting the check or my personal information.

When do get home, HSBC calls me over seven time's a day, which anything over the five times a day in the State of NY is considered harassment. .HSBC has contacted my neighbors regarding this account trying to find out about my father, but they will not talk to me. When I go into the bank to make my payment I get the third degree.

I do not wat the home equity loan to be truned over to me so I can use it, I only want to pay it off and get out from under it. HSBC is making that impossible to do. I do not have the money to pay it outright and I do not want to refinance.

I was told however if I open account with HSBC I would not have any more problems. I do not want to bank with HSBC. I am happy where I am and not only that HSBC is not an American banking institution; they are headquartered out of England and Japan. HSBC is also a Sub prime lender from what I understand the largest in the United States. I only want to bank with an American bank that way most of the money stays in the USA not going to Japan and England.

I've been an HSBC credit card consumer for years. Around 3 credit card statement cycles ago I was somehow convinced to sign-up to a very popular these days Account Protection with HSBC. And as usually in this case, I was given a 30-days trial period within which I was promissed to get $20.00 goft card with the various vendors (Ho,e Depot, etc. at my choice. The trial preiod was over, but the introductionary package with the gift card certificate never arrived.

When I attempted to resolve it by phone, I've got nothing but waiting for 30-40 minutes when a useless and helpless operatior or his/her manager would re-direct me billion times to another phone, and keeping these "bouncing" phone game until I gave up. I called them back requesting to cancel my account protection and stop charging me the fee immediatelly. The reason was: the HSBC never comply with their "welcoming" promisses and I never got the gift card. I made about 3 attempts within 3 months to cancel the protection account on my HSBC card.

Every time I wrote people name, date and ID # (that's all they were willing to provide as a cancellation reference). Nevertheless, my protection account is still active and the fee (protection account fee AND minimum finance charge) has been taken from my credit card account dispite the fact the there almost NO balance in it. If someone knows, how I and other poeple like me in this situation can be protected from the HSBC monster - many thanks if you let me know. Lot of wated time and nurves. And some money that still supposed to be credited/refunded back to me

This is the absolute worst company I have ever dealt with! They should be shut down and sued over and over for the mortgage and loan scams they ran. I have so many horror stories, I couldn't even write it all. We refinanced with them in 2005 and it has been a total nightmare. We also took a side loan out which was the biggest scam I have ever seen.

We borrowed 20k on home equity. To date we have paid them $15,000 and our loan blance is still at $18,800.00. They have only applied 120 to the principle of this loan. Now you talk about a total scam. Their customer service is HORRIBLE and no one in that company knows what they are doing. They have misapplied my payments, voided payments and I had to prove to them with bank statments...On and ON...

DO NOT DO BUSINESS WITH THIS COMPANY! Damage...I tried to refinance with another company and it fell through, because they didnt get the info in time and then they gave erroneous information, so the lendor would not go further.

I had to file a complaint with the TX Consumer Credit Agency, which did nothing to help! So this month I found another lendor to refinance with and Beneficial couldnt even send me a correct payoff, so my new mortgage company just overpaid them. I will have to go after them for the overpayment. I can only imagine what a mess it is going to be. I am sure they will come up with some reason as to why they were not overpaid and take my money!

I have experienced very poor services below are the details.

First of all the customer representative passed a fall statement that as soon as I open the account I will be upgraded to premier now after when I opened account I was advice about the limit which was not being told in the beginning.

Secondly when I collected my ATM card upon enquiry of pin I was told this should have been emailed you I had never received an email (and I was also being told that if I do not then I have to call customer services number 111-852-852).

Again a very disappointing service from customer services upon calling the number stated above I was shocked to hear that this is not customer service center but a call center and I was transferred to another extension where nobody bothered to attend my call on a number of several attempts.

When i sent email to customer support and desired service desk i was replied with a 10 days notice now i am stuck with all my money held with the bank.

I had a liver transplant and was off of work for 1 1/2 years. I chose to pay my house payment ($1800 per month) on time but had to let other payments go.

Now I am back to work and using a debt settlement firm to negotiate my debt. I am trying to catch up on $20,000 worth of debt. I did not take the easy way out and file bankruptcy.

I applied to HSBC for loan modification and was denied because I make too much money monthly. They will not count what I pay for my additional debt since it is unsecured.

I have been at my job for 29 years. I had impeccable credit without a late or missed payment on anything in 20 years. I was living within my means. FYI - You have to pay $315,000 up front to be put on the liver transplant list. No payment terms are accepted. My BCBS insurance covers $100,000 per transplant. I had to use all of my 401k and life savings just to stay alive.

I was only asking for some help to get back on my feet and not lose my home. In the heyday of loans, they gave me two mortgages for 125% of the value. Ive never been late or behind. I was asking to combine both mortgages and lower the interest rate to the current rate of 4 or 5%, which would lower my payments. Thats all. I was denied.

I purchased a TV on July 1, 2009 from a Best Buy store financing it through HSBC Retail Services. My payments were scheduled for the 28th of the month the first being due on July 28, 2009. Since I am retired I only get paid once a month so I tried to get a month ahead by paying my first payment online on July 18th for July 28th and again August 3rd for the August 28th and so on for six months. I then found that they started charging late fees every month.

I wrote to them sending all proof of payments and asked that they straigtened out my account that I should be credited for paying ahead and not behind. They wrote back saying that they will not take the late fees off that my payment is due by the 28th of each month.

I have had the TV for 6 months and have paid six payments the last being paid on 12/2/2009 for the December 28th payment but they have me sceduled for another payment on 12/28/2009 and will tack on another late fee if I don't pay another payment by that time. I don't understand how they can figure that I am paying late especially when I have all receits of payments made. They are tacking on an additional $39.00 every month for Late Charge Assessments and refuse to take them off.

My Exboyfriend opened a Bank Account in my name and I have been dealing with HSBC bank for since August 18th. I have told them it was fraud about three times and they denied all three times. On the statement its states that my ex used the card for car parts on paypal with my card. He has a Toytoa and i have a Honda. There is nothing on this statement that is for me. If i would have opened the card there would be something on it for me.

Now they sent the card to Collections that i had to pay out of my pocket and have to wait to get it back if i do at all. I feel like HSBC doesnt take there time looking into things at all. This is very upsetting to me. The ecomey these days are horrible and i dont have to money to take out of my pocket to pay for this. I wont my money back ASAP. There has to be someone i can talk to there that cares. Alot of the people that work there arent very nice and dont care what you have to say. Please get back to me as soon as poosible.

I have a checking account with HSBC. Due to the fact that I deposited 2 checks that were returned they are in the process of closing the account. I have received conflicting information from different people and have not been able to use this account. I understand there are policies to follow but I am just asking for at least one month before the account is closed so i can make other arrangements for my direct deposit and checks that i have issued. When u deposited these checks I did not know they would be returned and i did not use the funds. When the first check was returned I immediately made a cash deposit to cover the overdraft. I stupidly accepted another checks from this same person for a smaller amount and deposited it. I never used these funds. in the meantime my checks are being returned because i was told not to make deposits and someone else told me I could make deposits. All I'm asking for is some consistent information and some time before the account is closed.

On 12/2/09, I went to my local near by HSBC bank which is located at 4395 White Plains Road, Bronx, NY. I arrived at the bank around 12:15 p.m. I wanted to speak to an HSBC customer care representative about one of my accounts that I have with HSBC. I waited 2 1/2 hours and not one of the 3 customer care reps attended nor acknowledged me. A group of 3 entered and a HSBC customer care representative left her cubicle, greeted and escorted them to her office. I mentioned to her that I've been waiting to speak to someone for over 2 hours, and she dismissed me and my discontent and dissatisfaction with her and that particular branch. So, I walked over to the ATM and withdrew all my money, and plan to bank else where. I am extremely upset and disgusted with the way I was treated.

I'm am a very disappointed customer. I applied for credit online and before I received the card, I went to the Best Buy store located in Laurel Maryland to purchase a television set. Upon completing the purchase, I asked the associate if I was placed on deferred billing, his reply was yes, your billing is deferred for 18 months. So I was very surprise when I received a letter in the mail stating that I was in default. My plan was to pay the bill in one lump sum payment before the promotion expired, as i've done in the past through various retailers such as, Lowe's and The Room Store.

I immediately contacted HSBC, the customer service representative made me aware that payments on the account was due monthly. I explained to her that I was not made aware of that by the sales associate who handled my purchase. She removed the late charge of $39 and told me that my next payment would be due on September 25th. I have making my payments via web pay thru my financial institute on or before the 25th of each month.

I recently pulled my credit report, Hsbc reported a high balance that exceeded my limit of $500. I was furious, I called HSBC today, and found out that the payments made were eaten up in late charges. I requested a refund and was denied.

So this is the source of my complaint. HSBC is the first creditor I have encountered who advertised deferred billing and yet a monthly payment is still required. This purchase have scared my credit and cost me $100 in late fees. Only $20 of the $125 payments made was applied to the actual purchase. your assistance in resolving this matter would be greatly appreciated.

Missed due date on Interest deferred purchase. Balance left was $381 and I got charged $2000 interest. Bank will not work with me. I always pay my bill ontime but since I do not get a paper bill anymore I do not read the bill anymore and just click the payment button. The banks should be required to send you an e-mail if a bill like this is becoming due. What can I do ?

I am trying to sell my home, the original loan company is out of business and so is the second. I am requesting a satisfaction of mortgage and all I need is HSBC to have a certified seal on this and mail it back to get it recorded so my home can sell. I have been on the phone for 5 hours at a time to get an answer from them I get transfered in circles no one can give me the correct answer.

I have been charged for the last 2 years, $21 a month and this company refuses to provide proof that I authorized these charges. I said I never wanted this service and all they would give me back was 3 months worth of fees. I asked for proof that I approved these charges and they said they cannot provide proof only the 3 months in fees back.

I closed my account with hsbc card services a year ago and have been sending monthly payments on the remaing balance. My bills began coming later and later and some times not al all. when I called them they first said the was an error in their mailing department and all of their mail was returned and because of that I was being charged an additional fee! The next time I called about it they said there must be a problem with my local post office and I will now have an additional fee! Each month i recieve some sort of an additional fee. Over the year they have recieved tripple the amount of the original balance and to this day i am in debt beyond the original amount!

I called about 18:20 on 28 Nov 2009 to Egypt HSBC Call Center to make a complaint against the repeated bad performance of ATM Machine, Mr Rafik M., Supervisor in Egypt HSBC Call Center, refused to File my complaint. I had a bad experience withthe HSBC ATM Machine # A643 in St 90, fifth sttelement in Egypt. it put me in very bad situation twice, in 15 Nov the Machine took the My Account Card and did not give it back and no transaction had been done accordingly.

Today at noon, I tried to withdraw 6000 the machine proceesed the request and affected my account accordingly, giving me notice showing 6000 debited from my account but did not give me any cash (I confirm I did not take any cash)and another notice printed that transaction cancelled. I put complaint in the call center immediately and filed under number 1224487. The Purpose this current complaint thtat Rafik M. refused to file is not of the above mentioned transaction but was that this machine performance is not acceptable to me as it did not send me a message with the maximum limit and it took my account card and now mistakenly debited my account, the customer complaint member refused to file it after he had discussed it with his supervisor, Rafik,

when I asked for Supervisor to talk with him, Mr Rafik M. advised that he can not file the compalin as he see that the machine works properly despite of the problems I faced. He gave me lessons on how to deal with ATM machines and relevant maintenance and that this problem is very normal due my fault as I asked to withdraw more than the machine limit.

Despite of the inconvinience I faced in 2 successive transactions in 2 weeks and the possible financial threat of mistaken dbebit of 6000 LE of my account as I understood from Mr Rafik M. that this problem is normal due to performing a wrong request that could have been unreversed unless I filed the complaint mentioned above number 1224487. I completly disagree that persons working in HSBC Call Center filter as Mr Rakik Maher did with my complaint as he refused file it into the HSBC Egypt Bank system.

Making monthly mortgage payments on the 6th of every month. August 2009 I received a letter stating that our Mortgage payment is 3 months past due. At this time I wrote a letter to the BBB (becuase all payments were made in a timely manner and I did not know what else to do).

I faxed HSBC and BBB copies of all check cashed by HSBC (no response from HSBC) made November payment HSBC returned payment stating payments for August, September, and October were deferred not sure how we the cahsed my August check, but September and October were not chased but they received were mailed out on the 6th day of each month by my bank through bill pay.

Now our property is in foreclosure and we are in need of an Attorney that can take case pro-bono due to the fact we can not afford to pay for an attorney. Let me not forget credit is out of control unable to refinance due to HSB have account showing 90 days past due. HELP please!

I have two credit Cards with HSBC Bank. The minimum payment due against Card No 4476 was Rs.9787.41/- and Zero amount due against the card No. 5548. In the month of October, I had a telephonic conversation with Mr. Jai of HSBC to close the account by paying Rs. 10000/- in full and final settlement. On 27th Nov 08, Mr. Manik came to collect Rs. 1000/- against the card No. 4476 and balance outstanding of Rs. 9000/- only was also confirmed by him in the receipt.

In the month of December, I had deposited the remaining balance of Rs. 9000/- against the Card No. 5548 instead of Card No. 4476 vide cheque dated 10/12/08. This is an error on my part. For this, I made several requests to transfer the amount of Rs.9000/- to card No. 4476 which had been wrongly deposited in card no. 5548.

I am very disappointed with services being offered. Nobody is ready to listen or help me out of this situation. Seeing no result I am being forced to write this letter in hope of an early positive reply and action. I request you once again to please look in to the matter and resolve the issue.

I made several purchases for small amounts in the same time frame, not realizing that my account would be overdrawn. HSBC charged me $39 per transaction, totaling over $380. I did everything in my power to resolve the matter with someone in authority because I was unable to pay that kind of money. I also thought it was unfair because one of the transactions was $16.00. I wrote letters, called, visited the local bank manager and customer service representative. I received no response to my letters and I was essentially ignored. Now my account has been closed without me first being informed, and my ATM card is invalid, even though I have another account at the same bank.

I know that I have been reported to Chex Systems, which will cause me to not be able to have a checking account for at least five years, although I have no current proof of it. The thing is, HSBC ignored my numerous attempts to work something out. They wanted all the money at once! Furthermore, why would they pay 8 or 9 transactions out when they could have easily declined the transactions? Is it because they were looking to make a quick buck out of me? It certainly seems so. I won't leave things like this. I don't know what my next move is, but I'm going to pursue the matter.

At that point, I asked to speak to a manager that could comprehend English. I was transferred to Trimel. Trimel provided instructions to obtain the claim forms from the internet. However, with Trimel on the phone line, we able to identify their website was down and claim forms were not available. Trimel advised me to send a letter with the original death certificate and contact information to: Household Life Insurance Company, Attn: Claims, Sommerset Corporate Blvd, Ste 100, PO Box, Bridgewater, NJ 08807.

August 24, 2009 A letter with the original death certificate and legal documents to verify my identity were mailed to: Household Life Insurance Company, Attn: Claims, and a copy was also faxed. Copies of the documents are enclosed. September 10, 2009 I contacted Selma. Selma transferred me to Suceele. Suceele could not provide any information on the claim, but was able to verify the claims department had received the documentation. Suceele stated she would have a manager call me since their phones were not working properly. Suceele could not transfer me to another person to verify the status of the claim. I never received a call from a manager.

October 23, 2009 I contacted Maria. Maria transferred me to Carl in Term Life. Carl transferred me to Baree who stated she had received the notice of death and a letter to my attention had been sent to E Flamingo Road, Suite 1, Las Vegas, NV. I stated to Baree I had never lived at this address and further more I have lived in Rockford, IL for over fifteen years. Baree then stated the letter would be resent to my current address and I should have it in seven to ten business days. I never received the letter.

November 13, 2009 I contacted Evett and described the situation I had encountered with the death claim. Evett transferred me to Neeta. Neeta stated life claims with Alexander Hamilton Life were not her responsibility, but she would do everything she could to assist. Neeta attempted to transfer me to Christine Lamb a Claim Specialist, but Christine was not answering her phone. Neeta then stated that Gertprudis Y. would contact me with the status of the claim on Tuesday, November 17, 2009. I never received a response from Neeta or Gertprudis Y.

Due to the situations mentioned above, I am placing a formal complaint with the Division of Insurance. As of today, I have not received any correspondence in reference to the death claim proceeds or the surrender of the policy with cash value plus interest. This policy has been in force for twenty-three (23) years. I feel four months are more than enough time to process a death claim.

Our family is very grateful that we were not solely dependent on this policy for the funeral arrangements. I cannot imagine leaving a family member in storage for four months thereby dishonoring that family member while some one procrastinates on the status of a death claim.

HSBC has not responded on the death claim that was initiated July 21, 2009. Through my phone calls to them, they acknowledge they have received the documents (i.e. original death certificate; identification verification documents and my letter of notification of Michael O.'s death). I have never received a phone call, letter or any type of correspondence from them.

I was not even charged the fee until November. I have been completely ripped off and they are teling me that there is nothing I can do about it. My credit is going to be ruined because I cannot afford to pay the fee.

I was in the drive through and submitted my banking to processed.I pused the call button and was continous iqnored by the teller. Once she completed my transaction she said to have a good day.I pushed the call button and stated. I was calling you she responed sarcasticly what did you want i stated i wanted $100's, she responed we dont have any. I stated first of all the Professional, repsepctful,and customer service thing to do was to first ask me how i wanted my money from the check i was cashing,then if not answer my call to see what i wanted or needed as a customer. Due to the fact she stated she had no $100's I would of given her my choice $50's and $20's. She decided to give me (1)$100 $400 in$5 and $200 in$10 that was ridiculous and unprofessional. who gives a customer thatlarge amonut of $ in small bills like that and ignores them She provided very poor customer service

The reason for complaint: I have tried on multiple ocassions to have HSBC / BEST BUY refund finance charges added to my account unfairly. The finance charges have been compounding monthly since August 2008. I am requesting BBB assistance to have the initial amount charged to my account as well as all the months they continue to compound the finance charges REFUNDED. Here is a brief outline of action we have taken to get this resolved.

August 26, 2007 purchased LG French Door Refrigerator / 12 month deferred financing.
August 30, 2007 refrigerator delivered. Item inspected while on the truck and REFUSED.
September 1, 2007 went to Best Buy Store in Beaverton, Oregon - canceled the order and received full refund.
August 28, 2008 finance charge of $258.33 appeared on statement.
November 16, 2008 letter to HSBC / Best Buy requesting full refund of finance charge plus incurred charges to the account for September and October 2008.
December 2008 account in dispute and cleared of the charge of $1,029.99 however deferred finance charge were not removed.
March 2009 Sent another request to remove deferred finance charge applied August 2008.

Reject once again.

Everytime I call HSBC for basic info, there is a long wait, the process to even activate a debit card is unbelievable! They ask so many personal questions that I'm not comfortable answering to a stranger on the other end. What happened to automated activation? My blood pressure goes through the roof just dealing with calling them. Their web site is a joke, I tryed to do web banking to check my account and you need like 3 different steps, ids, passwords etc. I can barely remember 2 - let alone 3 to access my account!!!! They are suppose to make this stress free- when all they do Is make everything stressful instead!

for the second time within 6 months our banks has charged our account $140.00 for overdraft fees. i feel they hold deposit and withdrawls to benefit their establishment for excuberant fees. please let me know where to file a complaint.

I was recently contacted by HSBC GM Card by written correspondence regarding an ACCOUNT CHANGE IN TERMS. After all the legal mumbo jumbo it looks like they were planning to arbitrarily raising my interest rate from 12.24% to 17.99% (My credit score is in the 730s). I am currently deployed military (See attached orders) and therefore protected under the Service-members Civil Relief Act of 2003 (SCRA).

Since I believe that this change in rates was unwarranted and unjustified, and more importantly illegal, I decided to opt out, and repay my balance under the original credit terms. I inquired about my GM Card earnings toward a GM vehicle, (Current Earnings: $4590.09) and the answer I received was not a satisfactory one: "Please keep in mind that any accumulated GM Card earnings must be redeemed within 90 days from the time you opt-out, or they will be forfeited."

Since I am currently deployed thru May 2010, I will be unable to redeem my GM Card earnings due to military service--I read this a violation of my rights under the SCRA (Service-members Civil Relief Act of 2003). I have started working with my SJA (Staff Judge Advocate) to ensure that this violation is properly reported, and HSBC is charged with this violation. Loss of $4590.09 in "GM Card earnings" toward the purchase of a new vehicle.

My daughter recieved $2000 in travlers checks, H S B C.Counterfit, From rennes france.

The total cost for the pre-owned car at sale was $24,990. Financed at 18% armortized for 72 months,totaling $49,070.00.

HSBC has offered a buy out of $25,400, and the car is only worth $10,000, based on a recent appraisal, leaving an equity balance of $15,400, which includes financing of a service contract, gap insurance, and other fees, which are pro-rated and re-imbursed to the lien holder.
I have asked HSBC to accept the $10,000 selling price,which means they collected $33,500.00, nd eliminate the finance charges, not yet accured.

If your agency can provide any additional recommendations on helping me eliminate the $15,000 equity balance I would appreciate your feed back. HSBC is a bank, and received financial support from tax payer like me and others who are having financial challengs. I relocated east in 08-2009, to reduce my housing and other cost. The car payment obsorbs 1/3 of my limited income.

We moved to Canada four months ago, transfering our account from the UK to Canada with HSBC. All that worked well, but in Canada our experiences have gone from bad to worse.

First, ours is a joint account with my wife as the primary account holder. This should have been an equal standing account but HSBC never sought to take that into consideration, As a result, even simple telephone banking transactions by me required the call centre agent seek approval from my wife. After some explanation, we managed to get that sorted out.

Then I lost my wallet and needed a replacement bank and credit card. It took more than four weeks to get either and a further two weeks of chasing to get new PINs issued. You see, unlike most banks, HSBC cancel the old arrangements and start again from scratch. With no PIN, the debit card is useless. 6 weeks without access to my own funds.

Then, when attempting to arrange for a bank draft, I discovered that not only is a new card issued from scratch, all the telephone banking instructions set-up when we moved to Canada are null and void too. Calling to arrange a bank draft resulted in my having to go through all sorts of hoops for them to trace my account and then trasnfer over the telephone banking rights, And they had to issue a new PIN, which then needed changing - and so on.

I've never encountered such a lack of joined-up process in a bank. I deal with banks for work on a regular basis and know how their processes tend to work. Not HSBC. Their thinking and processes are so far removed from reality that in sheer exasperation we've decided to close our account and go somewhere that exhibits something approaching competence.

I have been fighting this for a while now, and they just keep going at it with me, i want this off my report and they say i have a card, i got a card from them but canceled right away since the fees are ougrageous, the card says 300 is on it but when you call to get it activated, you are left with 25.00 since the fees are so high,

so they got a call and the card was send back without use and no activation on the card, i just happened to listen to machine when on the phone with them, so please help me take this off my account. thank you. they have alot of people angry at them for this since they like to screw people

bad credit reports, can not get loans or any kind of loan to get a house or a car, permanant damage has been done since they wont help me, am cleaning my report so i can get loans to pay off debts and get back on feet again but of course not with these freaks. thank you

HSBC is a nightmare to deal with. My story is long it's pathetic. I got behind on my mortgage payments last year due to my mom's death. HSBC said they would work with me, but just keep delaying their answer until the sheriff's sale. Then I was dealing with the lawyers Trott and Trott. They too said they would help me, but they screwed me over too.

Over the last 9 mos. I have called HSBC daily to find out if I could get a loan mod. They kept telling me wait a week, call back in 72 hours, etc. Then my redemption period was up. Also, I contacted a lwayer to help but he scammed me, I talked to countless people at the different hotlines to help but they would just refer me to someone else and someone else until it hit a dead end.

I contacted my congressman, the President, the Attorney General, and the local channel problem solvers. I got nothing. Where is all this help everyone is talking about? There was no reason that HSBC should not have worked with me. I have stable employment and am single. I am absolutely devasted, heartbroken-my faith in humanity and God is done.

I can't understand why these crooked scroundrels are allowed to get away with this and put good people on the street. Never open an account with HSBC for any reason whether it is banking, mortgages, credit cards, etc. They are an awful company.

I had made extra payments on my credit card and decided I should make my September payment on September 1 to ensure I paid my bill since I was going to be busy for the month. What do I get for that? A $39.00 late fee because I did not pay the bill between September 3 and 26. Really I paid you extra money, four times the minimum payment and you charge me? And 23 days in a billing cycle? That seems strange to me... so basically anyone who decides to make a payment between 27th and 2nd of a month is getting no credit towards their payments. Sounds crazy to me.

It's absolutely crazy when you try to be a responsible card holder and make payments and they could care less! So I called and spoke with the lady asking them to explain and see if they could take this late fee off. Absolutely not, Thanks for making the payment, but it's not good enough for us. It took me asking five times to speak with a manager to get a "supervisor," and then after he realized I had made extra payments all he could do is take a message to have a manager call me.

Now I am waiting for a phone call, if I get one from a Manager. This is not typical of me. I usually roll with the punches of life and take what life gives me or what pain I cause myself, but this just rubbed me the wrong way. Be responsible = we don't care give us more money. $39.00 late fee and having to make an extra payment in October to avoid another late fee, time to contact people, cell phone costs and stress!

HBSC Card Services Sent a collection notice and I payed the settlement agreement, I thought it would be the end of it. I received, a couple of months later, another collection letter from another collection agency, I sent them proof of payment and they told me that Cross country bank bought the credit company that I had and they might not have gotten the settlement payment. They said sorry, and they will inform cross country bank - OSI/Gulf State Credit. A month went by and now I have another collection letter from a different collection agency for the same bill! I dont know what to do to get them to stop and correct my credit reports. Please advise me on my options. I sent the first collection company a copy of my letter from the very first collection agency, now I am on agency #3!!!

This has been the worst relationship I've had with any lender. I borrowed almost ten thousand dollars from HSBC Beneficial thru a local branch in Sioux Falls, South Dakota in 1993. I freely admit I have not been the best customer. I've paid late repeatedly. I know there are penalties for this and I agree there should be. All that said, I have paid back over twelve thousand dollars at this point BUT my balance with them is still over ten thousand dollars (and growing). I feel that I am never going to get out from under this colossal mistake. I have been successful in paying off other creditors but I don't seem to be getting anywhere with this company. I continue to pay but don't know why as I will probably still owe them when I die. I had a six thousand dollar loan with a local Credit Union during this same time period. I also paid late with the Credit Union but somehow my payments made a difference and I am paid in full with them. In fact I was paid in full within 5 years with the Credit Union. I knew this Beneficial deal was bad when I signed on the line but I had no idea that over a decade later I would be worse off than when they first "helped" me. I have had issues with them along the way.

The original loan documents they printed for me to sign on day one had different terms listed than what the representative and I had agreed to verbally. I caught that before I signed. They apologize and re-printed the agreement. It was wrong a second time. The third time they re-drafted and re-printed it, the written terms were what we had talked about and agreed upon. I don't know how they do the math... but it is definitely in their favor. I also had an issue with a very unprofessional collector who harassed me at my work place. I told her I could not discuss private matters on my employers line because they monitor calls and told her I would call her from a private line. Her response was to get louder and state the amount I was past due and remind me how many weeks I was late. I don't think they can go into details after you advise you're not on a private line or whatever. Embarrasment seemed to be her intent but I have no shame left after being a HSBC Beneficial customer. I am raw with emotion over this whole situation. I am trying but I don't know why. They also call my phone several times a day. Sometimes 10 to 20 times a day if it is the last few days of the month. I don't blame them for collecting on what is owed but how steep of a price will I have to pay for this unfortunate decision? Will I ever get myself free? I don't believe a court or anyone could help because I agreed to this when I signed for the loan. It's all legal I assume.

They are raising my apr on my credit card 8% and they said that the only way to stop it from happening is to close out the account.Why doesn't our government put a stop to this or are they the reason for it happening?

The interest rate on our credit card has been raised to 29.99%! I contacted them to explain that we have been having economic problems with my recent unemployment, and was told (rudely) that it's in our terms that they can raise our rate if we make a late payment. (we tried making a phone payment and found out they charge $15 for that service). If we pay for 6 months without missing a payment, they will lower it to 20%. OUTRAGEOUS!! They are worse than loan sharks!! They advise consumers to contact their card companies to negotiate lower interest rates. What a waste of time and energy! These people know they've "gotcha" and happily let you know that when you call.

If you can help us any to get this HSBC to lower down the interest rate we would appreciate it. We hay have to just file bankrupcy. I do keep using the card becasue I have to make a pmt so then I use the card to pay for something. 30.99% is a rip off. If there is someone else I can contact please let me know.

I asked for a supervisor. I was on hold for awhile. Speaking w/a superv. I asked her the reason it is taking so long, she said she doesn't know why but this file was overlooked. HSBC is holding this money for almost two month. I've been discreminated. I paid the material on the credit card, which interest is charged. Labor from my pocket. This causing me a lot of stress and a hardship

My daughter got deployed for a tour of duty for the Navy. They do not always give you enough time to get your business in order. Its usually a last minute deal that you are leaving. She asked us for help. I knew I had approx. $750 available of credit to use on my credit card and I just made a payment of $300. I went to use the card and found out they froze it! She needed uniforms, rental truck to pack her apartment up, etc. They said they froze it because a payment I made did not clear but they did receive the $300 for the last payment. I asked how many times has this happened that you would freeze my account, they said just that time. I was like this is an emergency my daughter is to pull out and we were counting on that credit card to help her get her stuff finalized. They said it would not be unfroze until the 2nd of Oct I could use it. She was leaving on the 30th. I asked if they would even release half of the money available to me and they said no because it was frozen.

I have a credit card account with HSBC Retail Services (Musician's Friend). I feel that they purposely made the wording on their statement unclear, so that I would incur a finance charge. I have been a good customer, and I have always made timely payments, paying over my minimum payment due each month.

However, according to HSBC, they changed the terms of my contract, so that if the promotional payoff amount is not paid off in its entirety, I will be assessed a deferred finance charge. However, I felt that the terms were unclear, and I thought that if I made regular and timely payments to my account each month that I would not be charged the finance charge.

Today, I was quite surprised to look at my statement and discover that I was charged a $278.43 finance charge this month. This finance charge put me over my credit limit, and I will be charged an over the limit fee, which has not yet been determined. I am a prudent customer, and I am careful with my credit card balance. I feel that HSBC is taking advantage of its customers and engaging in deceptive practices, especially during this economic downturn.

which were incurred at much lower interests rates from where I am now.

I received a phone call on Sept 22 from Scott P. collecting a debt from a Credit Card HCSB (please request for the recording from the their office-he stated that it was recorded) He called my work and requesting for my checking acct., $1200 dollars for a debt of $3000 and he constantly kept on repeating were not gonna make any money on this if you dont pay today.

I explained to him my situation. That the address that was on their record was a year old and all the mail from my father's home was being forwarded to my address and i've never seen a HCSB account and every mail that comes in from Best Buy was address with my father's name on it. I realized then that on 1997 I co-signed with this credit card. He then asked about my 401K and other financial history where I can get money to pay him, other credit cards, savings account. I understood his job.

He then stated that for me to give him my checking account number. I requested that he put everything in writing email it to me or let me see a documentation since i've never seen a bill from HCSB. He stated that they are not allowed. I attempted to lower the payment or attempt to tell him if I could make arrangements and he stated no the minimum payment i could do is $600- this conversation went for 2 hours and him constantly threatening me at work.

I've lost 2 hours conversing with him. I got very frustrated since he wasn't giving me any information on the total amount, he refused to give me his supervisors name, a phone number where I can contact him back. Less than 5 mins later i received a phone call from his supervisor Dan J. explained the whole situation. And stated the employee "Scott P." would be terminated for harrasing me at work.

I then called HCSB company and they told me the total $2349.53 and the amount due to $590.29 that's due on Oct. 12. I called HCSB on 09-23 to request for the collection agency's name and phone number I was directed to Sherman Financial and gave me a total of $2564.17 spoke with a person name Jody then redirected me to Integrity Financial Partner where I spoke to a woman and stated my situation and she stated that Scott P. works with her and that Dan J. was her supervisor. I didn't speak with anybody there.

I understood that this debt that my father and changing address contributed to the deliquent payment. But if you would hear the recorded conversation between myself and this person Scott P. no one should be spoken like that. I understand what he was trying to do but at work, harrassing, and very unprofessional.

Peter, a customer resprenstative, and requested the information of whom we spoke to at their company, and Peter replied he did not see a resprentatives name on his files, 'uhhhm' -therefore he assumed this alledged payment was called in by myself, or my wife Brenda, on 9-18-09 which neither one of us called regarding this unathorize debit. In fact, about the matter, we were not home on Friday, and we turned our answering machine off and telephone ringer off for the last 5 days, They have been calling our home repeatley from 8:01am to 9:00pm, we are constantly harrazed and we are aware we, do not have the funds at this moment.

The last communcation my wife had was with Matthew a Customer Resprenstative on 9-10-09, who told my wife in a very negative matter, to sell our home, so we can pay our bills, and my wife hung up the phone, and refuses to speak to anyone there. We our facing a difficult financial hardship at this moment, and we plan on paying our creditors, however, we are struggling at this moment to pay our mortgage, and grocery bill. My wife Brenda was told, by Peter, assumed and tried to convence us it was called in through their automated system. My wife, then ask to speak to their supervisor, once we not accepting this information Peter had to offer. We then spoke with Min
who suggested we go to our bank and sign an Affavidit form stating we did

not authorize that debit of $55.00.

This situation has caused our bank account to overdraw, this is not the first time this has happened. And now I am forced to close our checking account out, after 35 years. My wife is disabled, and stress causing her pain level to increase, just the non-stop collection calls have been causing her to lose sleep and weight, and setting off her Aneixty uncontrollablly.

I had Century 21 to re-do my kitchen in 1996 in the amountof $7400.00 As you know Century 21 this portion of if filed bankruptcy and the account was aquired by AMRE and now HSBC. I have been paying monthly for the last 13years and no end yet. I have phone called and sent letters requesting itemized statements to date.Ignorance on my part for continuing to pay this bill.I am 80+ years old,but sound mind and body.I have given daughter permission to handle this situation for me and.I have filed a formal complaint with BBB and are waiting for a reply as they have sent a letter as well. I have not to date received the requested documents eventhough they said they would back in August.I have sent them another letter asking for these documents that they seem not to have.I think it is a disgrace that a company with such standards as Century 21 had to have someone so unethical representing them. It is also unethical that they would take advantage of myself and I am sure others as well,which is a crime.I am also sure the top executives of this company are in on it as well and I do have their names and titles also.

I immediately called customer service at 888 803-0276 trying to explain the situation, asking them for something in writing that would set the record straight. I was refused and told I would have to pay additional charges first.

On 04/22/2009 I filed the above complaint with BBB, Baltimore, MD requesting 1. a statement in writing from Teamster Privilege Credit Card acknowledging my cancellation, 2. Removing all charges from that time, including minimum payment $37.00, past due amount $15.00, current payment due $52.00, previous balance $227.04, purchase/debits $31.11, and finance charge $4.69, totaling $262.85. 3. Clear my credit record and/or report that was damaged by their improper handling of my account.
On 04/21/2009 the case was closed and transferred to another BBB and received by BBB, Chicago, Ill.
04/22/2009 BBB informed business of complaint with no response.
05/04/2009 second notice to business.
On 05/05/2009 complaint judged to be invalid - Wrong Business.
05/05/2009 Case closed as invalid/illegible with new case#94233666.

I did not receive any information from BBB until I inquired several months later.

On 08/05/2009 I reopened the complaint and the business was informed.
On 09/15/2009 I received email from BBB informing me that HSBC had acknowledged their request to investigate and respond to my complaint, and I would have 10 days to continue or close complaint.

On 09/17/2009 I received a letter from HSBC thanking me for taking time to express my concerns but did not agree with any part of my complaint.

I have paid the 60 monthly car payments as per contract. HSBC refuses to send me my vehicle title and claims I owe a balance of $300.00. This balance is due to late fees that they have accumulated due to an ongoing problem they created. I've made every effort to resolve and justify that the problem was their error not mine. This has been going on for years.

After his assurance the policy will automatically will laps & I somehow agreed. He asked my credit card number I gave it to him but stated that I do not want pay through credit card since I do not have account in bank. I will directly pay so send someone along with the proposal papers which I will go through and then pay him cash. On this he agreed that someone will come from our office. NO one approached me but received policy through mail where I did not read thoroughly.

Here now the funny part starts. Third party HSBC started following me for the payment of installments. I surprised to see the involvement of HSBC and ask for the clarification. HSBC said we collect the money on behalf of TATA AIG. At first I thought how I can pay third party with which I have not dealt nor did either sign any documents of agreement with TATA AIG or HSBC. But to resolve the matter I asked to accept the full and final payment and give me the clearance for the policy which they refused. He said they are interested only for the interest amount. This further worsens by continuing the policy which was supposed to be discontinued after 3 months.

I tried to contact TATA AIG but in vain! Somehow Once I could reach to them but after hearing my side officer promised to comeback on the issue which he never did. Later on was difficult to get number.

Matter still lingered with HSBC by arguing and diverting my attention on the fact that I purchased material on the credit card which I never used it. I find this has been done deliberately for imposing heavy charges on me. I wrote HSBC Nodle office in this regard. The issue of using card is not there as this card itself is deactivated form the use the same year 2006 Dec. Now the charged are increasing every month and have reached to Rs. 25000/- from 330.

IN past there were so many threatening calls from Recovery unit of HSBC for money. Due to which I have suffered from metal tension /High B.P./frustration ruined my family life as well as company reputation. I had written to Nodle officer (Mr. shriniwas) HSBC to investigate the matter and put to end: "I had cleared HSBC my deal is with TATA AIG so I am liable to pay him but not to you as I have not dealt with you. If you have my any signed documents of the deal kindly show me and then only I shall pay otherwise not and do not send me any statement or else it will force me to take support of consumer forum."

The answer is that verbal tape is sufficient as proof. In spite of this they are sending me the statements with adding every increase possible every month. This is total casted case of fraudulence and I hope there will be many such cases must be suffering due to ignorance since this looks like normal to HSBC and TATA AIG. I hope you will provide help on this issue on urgent basis and curtail illegal activities of promotional offers through verbal.

Thanking you in anticipation.

I paid my balance in full with this company in April, 2009 and notated on the bill that the account was to be closed. I callend the comapny, made sure how much to pay to clise the accout, asked that it be closed. I did this twice. On September 17, 2009, I get a bill with a charge of $69.69 for card renewal, plus $39.00. in late fees and a finance charge. The company woudl not correct the charges, would not remove the $69.69 charge and stated that I could call the renewel company to see if they would remeove renewel charge. This is piracy. I did not contact with their renewel company, the account was closed and I cannot get anyone to remove the charges, correct an adverse credit report and stop the statements from coming. I have been told if I do nto pay, the charges will continue to multiply.

Since I have been with Webster bank I have been paying my bills on line and for the last two months I have paid my mortgage on line, HSBC has refused to withdraw the funds from my account, as a result I was late on my mortgage for the month of August. I found out I was late was when I went to pay my other bills the following week and I saw that the transmission failed.

This month I kept on checking and so last night (9/15/2009) it stated that it had failed again, so I called the experts at HSBC Mortgage and after talking to the experts and being transferred through 6 people and being hung up on. I called back and they would not do anything for me. I was forced to pay my mortgage through the phone and than being charged $20.00 for the service.

What I don't understand is that my bank is telling me that it's the HSBC mortgage are not pulling my payment from my account, the experts at HSBC mortgage is telling me that the internet connection is not comparable to the HSBC internet, so they were insisting that I pay the bill on the HSBC mortgage web page and I tried with no assistance from the experts at HSBC to sign up on HSBC mortgage web site. When I tried to sign up it gave me a message that I had signed up on the HSBC web page and I would be getting a temporary username and pass word, so I called back again and to my surprise they told me that I had tried to pay my bill on 9/14/2009 and that's why they were sending me a username and password. If they saw I was trying to pay the bill why didn't they withdraw the payment?

My question is if HSBC saw that I was trying to pay a bill why didn't they accept it? And how didn't HSBC didn't accept my August bill from the Webster Web page dated 9/13/2009 but accepted the payment on 9/27/2009?

I need explanation, because in the last two months I have paid $45.00 extra because HSBC is not willing to accept my payment through the Webster web site.

I am an HSBC member. I received an email from online customer.services@uk to say that there is a problem with my account security. I never gave anyone at HSBC my email address. I called HSBC customer service to tell them about what happened, and they are not aware of the Phishing Spam or possible scam. It appears as an attempt to collect personal information...SS numbers, ect.

I have been talking to people from HSBC since June 8th, 2009 (at least, that is when I started documentation), and have received nothing but the run around. I own a small business and I work a part-time job. My husband just recently lost his job, due to the plant closing (we knew it was going to happen, just didn't know when). So, anyway, I have been trying to make arrangements with HSBC, knowing that we were going to fall behind on our payments to several cards. They worked with us on our Best Buy card, but they are being very irritating to me regarding my Menard's account.

I finally made some headway in July, When I spoke to Vee and she helped me to qualify for their hardship program. She said that I qualified for $36 a month payments for the next 12 months. I was so happy...finally, someone was going to help. Yeah right, now it is September and I am having problems again. I made 2 payments online for $36 each, one in July and one in August.

On Sept. 4th, I went online to make my payment for this month (which is going to be for $75), just to find out that I am locked out of my account. So, I have now made several phone calls and spoke to 10 people, and no one seems to be able to accept my payment. I have been told that I need to wait to speak to the Recovery Manager. Really? I am trying to make a payment and you are telling me I can't?

So, I am mailing my payment in the morning (probably certified) and hoping that it will not take 4 days to go 300 miles to their payment center. If they tell me that they didn't receive it on time, I will be contacting the Attorney General of my state and writing letters to their corporate offices. I have already emailed them several times, as well as emailing Menard's (who by the way seems to be very concerned about this issue).

At the beginning of the year I did something I was completely unaware could happen. I payed my bill too early. On my next statement there was a late charge. When I called to find out why, they said I payed too early. The person was very nice and said he could see than I did pay twice in a single month so he would reimburse the late fee on the next bill. Out of ignorance on my part, I simply made sure to wait until the beginning of the next month to pay.

It was not explained to me that I had to wait for the billing cycle. I honestly thought as long as I payed each month I was being responsible. Unfortunately, my billing cycle did not start until the 6th of each month. For two consecutive months I again payed too early and was charged late fees. I was confused on how this could happen again. That's when the told me I am responsible for knowing I have to pay within the cycle. They took one fee of $30 off and raised my interest from 9.9% to 29.4%.

I tried pleading with them. I expressed that paying late would deserve these concequences, but in my case I simply paid too early. They could care less. I closed the account and plan to pay in full so no more interest is charged. I payed this bill on time for years and the first chance they had they took advantage of me. I am a hard worker trying to get my credit right and we all know closing accounts do not look good, but I could not give them anymore free money.

I received a letter in March 2009 stating that due to a security breech my card would be cancelled and a new one would be reissued in 30 days. I was concerned and called the company to make sure that it was not a fraudulent mailing. They confirmed that it was legitimate. Later that day I used the card and it was declined. I called the company once again to ask what was going on.

Apparently the person I spoke with earlier in the day misunderstood and thought that I was reporting a stolen card and had cancelled my card effective immediately! It was extremely frustrating as I had many automatic debits set up with that card and had to make numerous calls so that those services would not be interrupted. I just received a letter in the mail today that now they have cancelled my card due to low activity!

It has only been a few months that I have not used the card and I received no prior warning that my card would be cancelled. This adversely affects my credit rating and I am furious with this company!!! I always paid my bills on time and in full and they have done nothing but cause me frustration and headaches. My credit rating has been negatively affected and I don't have credit through them anymore if we need money.

On the 8th of August 2009 my wife and I traded our 2005 Jeep Grand Cherokee in for a new car. The auto dealership somehow sent the payoff check for the Jeep to the wrong company. The payoff check was sent to the lien holders of my 2007 Honda Civic HSBC Auto Finance resulting in the wrong vehicle being paid off. As soon as we became aware, notified the dealership who remedied the problem on their end by requesting HSBC Auto Finance refund the pay of amount and reactivate my account.

This action Occurred on the 17th of August 2009. On the 4th of September HSBC Auto Finance contacted my wife and stated they will not return the payoff amount until we sent a payment to bring the account (HSBC Auto Finance) current (which is somehow thirty days delinquent).

We explained to HSBC Auto finance that a payment was sent in the amount of 493.00 on the 29th of July 2009 and Another on the 10th of August for another 493.00 (not knowing the car dealership paid account off on the 8th) and there is no way we could be thirty days late. She further explained to HSBC Auto Finance we haven't received a refund check from over payment and we are not thirty days late. But for some reason HSBC is holding the car dealerships payoff check hostage and are forcing yet another payment so HSBC Auto can refund the payoff amount to the Car dealership. How is this possible?

I call them in told them they need to take it off because it's not mine. thay was trying to stick his account on me to pay. I THINK NOT. After I wrote to the BBB It was taken off of my credit report after fighting them on it.

The card companies say I need a police report for them to start anything

I think this company and other companies are wrong if It is not my card and I do not have the card in my person why should I pay for a bill that is not mine

I previously had a loan with beneficial finace, I had credit card debt so decided to refinance my home in 2008. HSBC is handling my loan @ 7.625% with a payment of $1,466.00 a month. The payment took most of my monthly income and I fell behind in march 2009. I worked with their loss mitigation dept and i asked to have it modified at a lower intrest rate and lower payment.

Their modification packet came , i sent in all the paper work they asked for plus i had to make trial period payments for the next 3 months, which i did. The 1st payment they lost, it took them almost a month to find it! I have called and called to see if it had been modified. One person said it was denied because i had not sent in my up-dated info on my job and bank statements, I would have to start all over again! I was furious! I did not know i had to send in the info.

The next day I called again and had to deal with a very rude person by the name of Miss Wade. She told me no my loan had not been denied, they were waiting for my up-dated paper work, she would not let me get a word in edge wise! i sent the paper work they wanted on Sept 1st. I then called again, i asked what sort of payment i should send in, was told nothing, but then she said maybe you should send in what i had sent for my trial payment to keep me from foreclosure.

I have noticed on my last statement my trial payment are there, but have not been credited to my loan balance nor taken off what i owe them in back payments. It has gone to escrow and more intrest has been added. I am a widow of a veteran and don't want to loose my home if they would get off the stick and do something! It has been very stressfull on me. I have written the Att General here and a letter went to the BBB of New York.

No modification has been done! Been working with them since late March 09. Send more paper work that I was not aware of. I cannot afford an Attorney so am using the best options I know of.

They call 8-10 times a day sometimes. I have told them several times "wrong number" and they keep calling. This has been going on for several months now. It stoped for about 2 weeks. But started back up again this week. 3 calls today. told them 2 times wrong number to not call here again. Each time they say sorry . I WANT IT TO STOP.......

I'm going to make a long story short. I refinanced my home. At closing with a notary coming out to my house all the terms changed. My loan has been sold twice, maybe three times. nobody knows where any of my original loan docs are, including my promissory note. I don't even know who to do a modification with as there are two banks involved now. I see why the 'produce the note' has gained such momentum. People can say what they want, til the bank 'loses' your paperwork you have no clue... I've been told 'losing' the paperwork is to the banks benifit when lending laws were violated. Anybody else experience this problem with this company?? It's HSBC (my alledged lender now.)

I tried making a payment online but the system would not accept my payment. Usually, I am charged $5.00 for online payment. When I called, I spoke with Debra and she advised I would be charged an extra $15.00. She did not explain why. I advised her that I am a deploying soldier and if HSBC does not waive fees for deployed soldiers. Her answer was no. The only thing that they honor is 6% interest rate. She hurriedly gave me the confirmation number and hung up. I then called again and inquired about the Soldier and Sailors Act benefits that HSBC will honor. I was then advised that the only thing they honor is 6% interest rate. The deployed soldier will be responsible for all extra fees,ie. late fees, payment fees...etc. If I dont pay my car note on time, my car will be repossessed. I was very surprised because all the other companies I deal with for all my loans and credit cards were all willing to waive all fees and will not hold me responsible for any late payment because I will be overseas. I explained this to HSBC but they wouldnt budge. They wouldnt even waive the $15.00 fee(fee for phone payments) that I had to pay even though I tried paying online and their system would not allow it.

I asked to speak with a manager, Patty, and again she said HSBC will not honor anything but 6% for deployed soldiers. I informed her that this is the only company that I have personally dealt with that is not military friendly and will not protect deployed soldiers. I also went on to state that this is terrible customer service and that their representatives are very rude. As of today, I regret having a car loan with HSBC and I would advise every military member not to do business with HSBC Auto Finance. Whereas almost every company out there will go out their way to work with deployed soldiers, HSBC would not budge. They wouldnt even waive the $15.00 fee for a phone payment. This is terrible and I do not feel confident having my car loan with this company while I am overseas protecting this country.

Changed payment date without notification causing late fees and delinquent payment history. Payments are now being arbitrarily deducted from my main checking account.

On or about July 1, I requested a credit report from "mycreditreport.com". I noticed that my Bestbuy credit card was showing past due. I had not received a statement from them, nor did I expect one as I had paid my account in full in February 2009 and had not used my card. Upon calling the phone number above I was told that there were two transactions made in March from Bestbuy Online. I advised that I had not made any purchases. I was told it was for magazines. I am 100% certain that I did not order nor receive any magazines from Bestbuy online. I filed a dispute and was told that my account would be investigated. So, there are 2 transactions in dispute, both transactions were for $20.33. They have been charging finance charges and late fees on this amount and the balance on my card is now $233.02. I have tried calliing this bank on many occasions only to be on hold for 45 minutes or greater. When I have been able to reach someone I ask for a manager but I am never connected with one. I was told that late fees would not continue to be added to my account but every month they add a late fee. What can I do to expedite this investigation and get this credit card balance removed. I am so fustrated with this situation. I closed the account when I reported the fraudulent activity.

Begining in January 2009 we began the process for Loan Modification. We have been working through a company called Save My Home USA located in Micigan. We paid this company $300 up front for assistance. To date the loan mod still is not done. I have called HSBC and of course they wil not talk with me but they do say the notes in our file does say it is at the attorneys office.

We are in a chapter 13 bankruptcy having not missed or been late on mortgage payment or bankruptcy payment. We have about 16 months left in our chapter 13. We are told that the loan mod is only for the remainder of our bankruptcy, we were gol it would be for the remaindre of ghe loan. Who do we believe?

I have two bulging disks in my lower back and neck and pain in my mid back. I have worked, suffering in pain for some years now. I began getting epidural injections and RF therapies to treat they pain with no success. I finally finished my round of injections with no relief. My Dr and I decided I couldn't work anymore and may have to get surgery to correct the problem so I filed for disability through my jobs Liberty Mutual Plan. I completed a Funtional Capacity Test which showed I can not sit or stand for more than 25 mins at a time without suffering pain in my mid back and right side of my lower back down thruough my buttocks to my leg and down to under my foot. I submitted all my paperwork that stated I had occasional capacity (no more than 2 1/2 hrs in a workday) to sit and stand. 3 seperate forms stated this. Then there was one question that did not list my capabilty there. They used that to stop my disability payments and only paid me for the time I was off due to my last injections recovery time.

They also told me that because my Dr hadn't listed any other plan for recovery other than pain management they felt that was a reason for denial as well. I told them if that were true(even though I saw the report and it listed physical therapy, pain management and surgery as options for me) I am still not able to work. I have been in physical therapy since July which I told him. I am the only bread winner for my family and have not gotten paid since July 14th 2009. My rent and tuition for my daughter is coming due and I am in the process of filing for an appeal. I wanted to bring this to a lawyers attention because I belive they are doing many people like this, not approving claims although the DR approved the disability. How can a DR say your disabled but an insurance company (without evaluating you) say you're not. All my medical documentation says I am disabled. I am trying physical therapy before I opt for surgery.