HSBC

I had a GM MC from HSBC since 2006 with an excellent credit rating and never a late payment. I had a $10,800 limit within this day and age - a fair credit rate of 12.99%. I had several business accounts for my job as a realtor on automatic payments. In January 2012, I thought I made a payment of $110 to that card. I accidentally paid another account online by accident. I was never called or emailed to let me know that I missed a payment. I received my February bill and they raised my rate to 30.99%. I called and made a payment immediately. This was February 7, 2012.

I have tried calling multiple times and have to speak to people in India. They have closed my account when I did not request it and they said there is nothing I can do about the rate? I have been calling and they say they will look into the mater. It is now May and I have not have had any resolve with this merchant. The customer service is terrible. I tried to correspond about the matter online and they told me that I had to call the 800 number which are the same people in India!

My last correspondence was in the beginning of this month after I paid $2,000 down on the card and was still requesting some resolve with my account. His name was Deril ** in India. That was three weeks ago and I have not heard a thing. I have other accounts and I cancelled them as well so I will not have anything to do with this company. Somebody has to stop these crooks.

My mother went to HBSC to withdraw funds for her monthly living expenses and was told that her account had been closed by the bank. She was told that due to an internal audit of accounts at HSBC, some accounts were closed for reasons not disclosed. Demanding a better explanation than this, we were told that her account was closed for some type of deposit violations. We could not get an answer as to what specific deposit rule had been violated and still do not know. In the mean time, my mother has no immediate access to her money and has to wait for a check from the bank. In addition, there is a discrepancy as to how much she had in the account. This is currently being checked into by someone at the bank.

I have had an account with HSBC for approximately seven years. I was trying to add my son's name to my existing account. I was told I could not do this, that I needed to open a new account in order to add my son's name. I have worked for a bank for over forty years and have never heard of such a poor process. I tried to open an account online and found that I could not open a joint account from the Access my account screen. I called customer service and was told I had to go out to the website and open a joint account. I told them to make sure that the new single account did not get opened. They stated that they could not see any new single account that had been opened but would make a note to that effect.

It then took me over one week, with numerous phone calls, over several hours to get a joint account with my son to finally be "approved". Today, I looked at my accounts online and I have two single accounts only, no joint account and one account is overdrawn. I am sure that my original account is overdrawn because they transferred the monies twice from my existing account, once to open a single account that I have stated on every occasion that I do not want and once to open the joint account. I called today and got another clueless customer service person who told me they would investigate and call me back later today.

Of course, I have received no phone call. After numerous phone calls and emails, I no longer want any account with HSBC. Please close whatever accounts you have recently opened in error and remit the entire balance of my old account to me. I have dealt with many banks in my lifetime but HSBC is without question the worst.

I just want to express my extreme disappointment with the customer service of this company. In the last few months, I have been having continuous issues with your company receiving my payment for my account. I contacted customer service on several occasions because I received a notice that they didn't receive my payment. I have several email confirmations stating that my payment had been received, yet it didn't reflect in my account with you as well as my bank. I called and conference in my bank and your account manager to resolve this issue. I was told by that it had been resolved.

The account manager stated that they had the correct information. Then the statement cycled again and I had the exact same issue. I called customer service and this time, they (account management) contacted my bank and my bank informed them again that they had no record of any transaction from Household Bank. I found this information disturbing, confusing, and irritating due to the fact that I had email confirmations. The account manager recited that routing number and account number to my bank and my bank confirmed that the information Household Bank had was erroneous. My bank representative then gave the account manager the correct information.

This process has been going on for 2 months and is extremely irritating. My payments aren't made late. I pay my bill online, which causes concern of the security methods that you hold. Are they reliable? I should be bombarded with erroneous information and lackluster customer service. I am highly disappointed by this experience. I spoke to Arnel today concerning the issue. He again recited the account number ending in ** and routing number ending in ** as the account that was used to make a payment. I stressed that information is erroneous! I informed him that I spoke with an account manager last week and she was supposed to update my account information to get the payment. He then stated that it was updated on April 13, 2012. I was infuriated! This has been an extreme hassle! He then stated that the payment would be taken today and he gave me the payment confirmation number as **. Now, I am leery of making payments with different card information online. I use the online service because it is more convenient. Furthermore, it has yet to be resolved. Please contact me as soon as possible. I need this rectified quickly and expeditiously!

I am attempting to help my widowed mother recover funds from her savings account. My parents had a joint savings in an online account. My 89-year old dad passed away, my mother was unaware of the account. It went into dormancy. I learned of the account, with a fairly large amount of money, and helped my mother try to have her funds sent to her. I have a durable power of attorney to work on behalf of my 89-year old mother. It's been a nightmare trying to get the funds sent to my mother. I contacted HBSC to put in a change of address for my mother and they requested I send a copy of the Power of Attorney, a copy of her driver's license and a copy of my dad's death certificate. I did that. The account was to be closed and the amount from the account sent to my mother. They said it would take about 7 to 10 days to get the check.

Three weeks went by, no check. I called the bank, you have to go through a main number (which goes to India, I have since found out). No one seems to know anything about this, after talking to 8 different reps on 8 different occasions. I found out they sent the check to their old address. I have called a number of times trying to get the address straightened out and now they tell me my Power of Attorney is no good to them and refuse to talk to me. I have to drive to my mother's, put my 89-year old mother on the phone where she has to hold for long periods of time and nothing has been done. I found out they lost all the information I both mailed and faxed and so it needed to be resent. I did that.

I've had several reps say they will check and call me back. No one has ever returned my calls. I have since faxed them more copies of my Power of Attorney, copies of my dad's death certificate and driver's license information. I had to put my mother on the phone with them and now they want a handwritten note from her. She is very elderly and frail, her handwriting is not legible, but I had her do it and faxed it off. Still no check. This has been ongoing since January 31st, it is now April 12. They are no longer paying interest to my mother for the use of her money since they closed the account and have not issued a new check.

As of today, I have now spoken to 11 people, no calls returned, no satisfactory answer as to when she will receiver her money. I guess legal action is my next option. Very frustrating dealing with an inept company, the inability to call a person or department directly or getting someone to return a call.

Worst customer service ever. I had over $4,000 taken illegally from my account and they refuse to refund.

I waited for almost an hour with HSBC on the phone. They are ridiculous. Their customer service sucks!

Rego Park branch staff refused to open an account for me as they are understaffed! I came to the Rego Park branch to open a Matching Savings Account, but never opened one. The staff there was extremely unprofessional and rude. The customer service representative ** said that everybody is busy in the branch. In fact, there was nobody in the branch because of the rain and that they will not be able to open that account neither today nor next Saturday as on Saturdays they are not usually opening Matching Savings Accounts as it is not a business day. ** went to see her manager Mr. ** to reconfirm, and he told her that they will not be able to help us before or on the April 9th as the branch is understaffed. I'm not surprised now with the number of complaints about HSBC. I will never go back to the Rego Park branch again!

In January 2012, I contacted HSBC corporate to close out a CD that was to mature in February. I completed all paperwork. In February, I received a notice that it was rolled over until May 2012! I contacted corporate 800 customer service and 1628 Shore Parkway Brooklyn branch several times at 718-946-8500 to no avail. The 800 rep told me they'd contact the branch and get back to me but never did. It is April 1 and I still do not have the check. I should be sent a check for the balance without withdrawal penalty because the bank made a mistake. This bank is poorly managed. The customer service is poorer. I will never do my banking at HSBC again!

I paid off a motorcycle with HSBC but did not receive the title in a timely manner. After requesting the title, they sent one for an entirely different type of vehicle but put the title in my name. I think this title is fraud. When I contacted them, they said they could not find my title so they sent that one instead. They refused to do anything so I contacted the BBB. At that point, they agreed to pay my cost to go to DMV and file for a lost title with a "Notice of Lien Release." They reimbursed me the cost of the title but not the hour of my time away from work to file for them. In addition, the state wants me to provide proof of financial responsibility on a vehicle I do not own as HSBC has never removed my name from their fake title.

I have been a customer of HSBC for many years now and have never been late and have never come close to my limit. I have never been over limit. I pull my credit report today and I see that they closed 3 of my accounts. I called and they said that I am a risk because I have a lot of inquiries and have opened some new accounts. Let's just say this: I have very good credit, I help my brother get a car at CarMax, and they hit my credit 13 times from different offers we put in. So they close my account. I am probably part of the very few that pay their bills on time and right when the bill comes out. I have never been late on anything on my report and this is how they treat their customers? I will never use any HSBC again and I am going to tell everyone the same. Now, GE Money Bank is awesome and very generous.

I had requested HSBC in Mall of Emirates branch of Dubai for a balance transfer of 15,700Dhs into my Barclays Bank credit card on 21st February 2012. From the 22nd onwards, I was traveling in China/Hong Kong and never imagined that the bank will mess up. On my return to Dubai on 7th , I found out that the same has not been deposited in my Barclays credit card although my HSBC credit card account does show over a debit of 15,700Dhs. Over 15 days, but the amount was not transferred to my Barclays credit card of which the due date has been exceeded. I am in a scenario where I will now be charged with a fine and at the same time my HSBC debit card shows debited.

I have no clue who to contact really as already I have made over 6-7 calls to HSBC, but all in vain. Each time a different customer service agent promises to call back and resolve this, but it's been over 5 days already since I made the complaint and no answer as yet. I have made the minimum payment in my Barclays card, but I will be charged with interest now as it's the first time I missed making a payment. Moreover, I have no clue where they transferred the money to. Nobody is taking charge and calling me back to give any answer and they keep promising me a call back ASAP. I am very angry and want to take a serious action against the bank.

My mother has been an HSBC member for several years now. One time, she tried to use her debit card, but her card was declined. When she went to her local branch to solve the declining debit card issue, they told her that she should call the headquarters. Then she had me call the headquarters and I spoke with a rude, non-English speaker. She asked me a lot of questions and I answered all of her questions. She just told me to log online and apply for a new card. After all, she went to all of these troubles just for this issue. I'll let you be the judge of it.

On 3/6, I requested funds to be transferred electronically from HSBC to my Space Coast Credit Union account. It is now 3/8. HSBC advises the funds transfer did not complete due to an account number issue with SCCU. I already validated my SCCU account with HSBC's trial deposit process whereby a small deposit is transferred and you advise the amount to HSBC. This completed with no issue. Now however, since the funds transfer did not complete, HSBC is saying it may take an additional 2-3 business days to credit my HSBC account with my own money! If HSBC takes three business days to complete a bank to bank transfer and then takes 2 or 3 more business days to credit an account because of a failed transfer and during that time period the funds are inaccessible to me, where then is the money? Either it's in one account or another, it should not be inaccessible to the account holder!

Payment due on March 2, 2012. I went to the Brick to purchase appliances on March 3rd. I'm caring for a dying elderly parent. I missed the payment for March 2nd. I found that the credit limit had been decreased. I asked for an increase to purchase these appliances and was told no because of slow payment of $1! So, we paid cash and sent payment on Monday via online banking and called to inform them. The agent claimed to have made a note of it. On March 7th, four calls from HSBC were made while I was at work. My wife answered the phone. She told them payment had been made, yet they persisted to call for a payment that had already been called in to report.

This bank is ruthless and makes many calls for a matter that had already been resolved. It is a complete and utter waste of resources as well as having to deal with the stress of a dying parent. I will never, ever utilize this bank's resources again and have every intention of paying them off. I will never, ever refer them to anyone. We have purchased over $25000 worth of goods from the Brick over the last 5 years and normally pay the balance before the interest begins. This is undue stress and as mentioned previously, a clear and utter waste of resources. Clearly, this bank needs to downsize.

I was contacted on Tuesday after 4:30PM by HSBC rep on the phone at 1-800-684-8429 with perpetual harassment to constantly make a payment by check over the phone without charging a fee to cover a late charge. I discussed that I had no money until end of the week to make payment of my choice online upon. I have been told over the phone by other HSBC reps that a $15.00 fee is assessed when you pay over the phone. The lady constantly harassed and insisted trying to help demanding I must pay over the phone a postdated check. I refused and insisted my decision to make a payment online if I want. I refused to be harassed, threatened by them or anyone whenever decision for payment method for online or mail is my choice. I made arrangements to send payments of my choice within the next two weeks. Don't ever call and make threats for payment over the phone again, you are not helping. You are only causing trouble and problems HSBC or whoever you are!

Starting nearly 3 years ago, I decided to close this zero balance credit card due to the annual fee. I received a statement from HSBC, alerting me that an annual fee would be charged on my next statement. It also stated that if I closed the account by a particular date, the account would be closed, and no annual fee would be charged. I contacted the customer service number they provided, and despite much pressure and several offers, I finally was told that it would be closed at my request. The next month however, I was surprised to receive a statement from HSBC charging me the annual fee on an account, that was supposed to be closed. I contacted customer service, explained what had happened, and was told that it must have been some sort of oversight, and that my account would be closed immediately, and would not have to pay the fee.

The next month, I saw another statement from HSBC, that was late payment notice in addition to the annual fee. This resulted in another customer service call. Now, I was told that they would be unable to close my account, until it was brought up to date. In total frustration, I decided to pay the balance, annual fee and late fee, in order to be done with this card and company. Right about 10 months later, I started the process all over again. In Nov. 2011, I again received the notice that on my next statement, I would be billed the annual fee for this account, I went through the process all over again. When I did not get a statement the next month (Dec.), I mistakenly thought that the account was finally closed.

Come Jan. 2012, I received a statement containing the charge for the annual fee and late fee. I refused to pay either, and the next statement arrived with an additional fee and note that my account was past due, and they were going to report my delinquent account to the credit agencies. My husband, home on mid-tour leave from the Middle East, found the past due notices, and took care of paying that account immediately. I explained what had been going on, and now there was a zero balance, so I attempted yet again, to close the account, which was about 2 weeks ago. As of today, 17 Feb 2012, this account is still not closed.

When I attempted to open a bank account with MCU in NYC, I was denied on the basis that I was actively in check systems due to an unresolved account that I once held with HSBC bank. I should not be in check systems because both of my accounts with HSBC had been settled on 3/27/06. Not only does my credit report reflect that my accounts were settled, but I have two official letters from HSBC that proves that the accounts were settled. The letters were mailed to me from HSBC on January 11, 2012. I was able to obtain the letters after several encounters with both employees and managers over the phone. Even though I have these letters, the bank's recovery department refuses to contact the agency that they sold the accounts to. The recovery department has constantly refused to accept that the accounts were settled. They hung up on me four times.

One of the banks managers from the recovery department's name is Peter **, at **. My accounts were settled and I do not deserve to have a resolved account in an unresolved status with a debt collecting agency. I need assistance. HSBC has flagged my account so that the customer service representatives are not allowed to speak with me or even give the balance that they claim I owe. I was actually told by several reps that my account was blocked for that reason and that there was nothing they could do to help me. They claim that only the recovery department can resolve the issue. But that department is actively refusing to disclose anything. They are constantly telling me to contact the outside agency. They were very disrespectful and rude.

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.