Complain about a product or service

HSBC

Amelia of Raleigh, NC August 8, 2006

I have had my credit card with hsbc for almost three years. I have never been late on any payments. I notice that I keep getting charged annual fees more than once in a year for the amount of 39.00. I have been charged an annual fee twice within a six month period by this bank. They charged me an annual fee in January of 2006 and then charged me another one last month in July. This is crazy. I asked them why and their response was that they charged me an annual fee on my anniversary month and they always charges an annual fee to everyone's account in July.

Richard of Elkin, NC June 4, 2006

In August 05 I made an online payment to my GM credit card (operated by HSBC). The other credit card company's I deal with, show on the payment screen which account or bank that the payment is coming from. Without seeing this I made a payment from a checking account that I had closed. I got an e mail that the payment did not post. So I called the 800 number to make a payment so I would not be hit with a late fee. The phone payment was 15. The bounced payment fee was 35. So I am out 50 because of their poor web site design.

I did, at the time, try to call and e mail them to tell my side of the story but to no avail. In one e mail I sent to them I got the replay “Per your Cardholder Agreement, it is known that you must make monthly payments to your account as long as you have a balance due” - like I didn't know this. I have cancelled the credit card and will stay away from GM products. (Naturally I do not know if they have fixed the web site since August.) I am always amazed when corporations will spend millions on advertising and yet lose customers over small things like this.

Gary of Cocoa Beach, FL June 2, 2006

I opened an HSBC online savings account with the understanding that interestwould be paid, as per their written terms and conditions, at the end of each month. Not so as my account did not show any accured interest had been earned. I called the bank and they flatly contradicted their own written policy as interest is paid on something called a 'monthly cycle' In other words its paid on the day of the month following the month you opened the account and on each of those days thereafter. So if you opened your account on May 6 you will get interest not on May 31 but on June 6 and so on.

John of North Falmouth, MA May 17, 2006

Answered ad for a Household Bank Platinum Mastercard for 0% introductory APR fixed rate for first 12 months for purchases and balance transfers. Intro letter states "upon approval, we will send Balance Transfer Checks in your Welcome Kit so you can make your transfers easily. When you use these Checks there's no transaction fee".

Within a week I received a package with checks, thanking me for requesting these HouseHold Bank Credit Card Checks.  This was the only package or correspondence I received from the bank. 

I made out two balance transfers and sent them off. The next correspondence I received was a bill indicating the transfers were not at 0% but at 29.51%. I immediately call customer service. They justified the rate saying, "Oh, you must have used the WRONG CHECKS, those checks are credit card checks not balance transfer checks, so it's like cash". 

I now have to pay off a debt that was 9.9% before the transfer, but is now at 29.51%. And to top it off, because of the high interest rate combined with the second bal txr check I sent, my request was not honered by HouseHold Bank because it would have put me over my CREDIT LIMIT. Thus, that check ended up bouncing causing late fees and raise of APR on my card.

Oneil of Brooklyn, NY April 21, 2006

I had problems getting my direct deposits from the bank, so I got frustrated and closed my account. A few years later they contacted me by mail and said that I owed them 31.80 for online banking.  I have never had online banking, mostly because at that time I did not have internet access. HSBC placed my record into the Check Systems, and I had my company's bank account closed with Commerce Bank, and I haven't been able to open a bank account since.

I have been contacting them in person and over the phone to correct the mistake.  I asked them to give me, in writing, the amount I owed them and for what reason.  They did not want to give me any documented proof that I owed them or the reason.

Jeffrey of Cheektowaga, NY April 14, 2006

They began charging me for some "credit protection' service with out authorization. After I caught them the refused to even stop the charges. Then they charged me again and it happened to put my account over the limit for ONE day and they charged me 30.00. For any other vendor there is a on-line dispute form. Of course this DOES not work when they are charging you in house fees and extra services.

My interest rate went up from 19 to 21 % and they charge my about 35 in fees plus hit my account 2 times for over the limit

Judy of Elmont, NY March 16, 2006

HSBC Bank has been charging me a fee of 15.00 per month for over eight years. I had a direct deposit through my job and should have not be charge this fee. I was told that this fee would be charge because I didn't not maintain a balnce of 15,000. I know that this is not possible, because I know that I don't make that much money a month to have that kinda of balance in an account.

Dana of Charlotte, NC February 25, 2006

They raised our rate from 9% to 13.25% and cannot tell us how they came up with this calculation for the increase. Our mortgage payment is now 1800 and we cannot afford it anymore. 

Kathleen of Lincolnton, NC February 1, 2006

They keep calling me and Harrasing me telling me I need to pay my outstanding bill, when in fact they have the wrong person. They are asking for Ms. Kathryn T when I am Mrs. Kathleen T. I guess they can't spell! I do not have any accounts with them and have no Idea where they got my number. This company has called my house six times in the past 3 days. They were extremly rude to me and hung up on me or said they would call back. I have been patient and tried to expain to them they have the wrong person and they don't seem to believe me. I Told them I am Kathleen not Kathryn and they don't seem to realize these are two different names.

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