Complain about a product or service

HSBC

Santosh of Al Khobar, United States June 1, 2009

I had HSBC Visa card and master card which I never used. The sales rep said there was no annual fee so I accepted it. After two years they charged me annual fee, I refused to pay and they imposed late fee charges. I was leaving Dubai for good so I called customer service asked him an amount to be paid to (settle) close the accounts of the two cards. he gave an amount of 155/- and 4/- dhs for both cards which I paid on 22jul 2008.

Now, 01 june 2009 I found out that they have not closed the accounts but have imposed more late fees. I called customer service and asked them to close the accounts for which they directed me to collection centre. I called collection centre and they are directing me to customer service. Even after paying their annual fee which should'nt have been levied in first place, they are after the late fees and asking me to pay and dare to say that they won't close the accounts. Now the late fee charges have come to 1447/-dhs. Could somebody please tell me what can happen if I dont pay?. I'm not in UAE currently and have no inetention of going back to Dubai. This is harrasment. Im planning to apply to police clearance certificate just to make sure i'm safe.

Donna of Belleville, NJ June 1, 2009

I paid off a loan for a Suzuki motorcycle in 2004 and never received the title or a lien release form. On 4/23/09 I spoke to a customer service rep who advised me to send a letter to the titles department requesting a lien release for the title. On 4/24/09 I faxed all of the neccessary information, including my name, vin#, make, model, year, and copy of my statement from their company saying that the loan was satisfied. Still have not received the lien release.

When I went on line to get their contact info to follow up, I found complaint after complaint from people who experienced the same thing as me. My motorcycle was paid off in 2004, it's 2009 and I do not have proof of ownership. Apparently they have been getting away with this for a long time. My financial situation has now changed and I need to sell the motorcycle, I can not do this without the title.

richard of newcastle upon tyne, Qatar June 7, 2009

i am an an expat living in doha qatar, up until 4mths ago i was also working here but have lost my job due to the global downturn. last year i was approached by hsbc & asked if i require a personnel loan i told them that i did so completed the paper work & recieved the loan 4 or 5 days later. now as i explained i have lost my job & been unable to make the necessary repayments for the last 3mths & have been put on travel restrictions which means i cannot leave the country to travel back to my home country which is the uk, i was not aware at the time of taking the loan that the bank hsbc could do this i just thought the loan would be transferd to my home country. i have also been told by the bank that if i dont repay the loan in full then i will go to prison. i dont have a layer because i cant afford one & i will be homless in less than 2wks. i have been to my embassy & told that they cant help me.

Agnes of Ozark, MO May 27, 2009

I filed bankruptcy in 08/08. My home was included, in 11/08 my attorney received a reaffirmation agreement from mortgage co. We both signed agreement and returnrd to mortgage co. The bankruptcy was discharged in 12/08. I made payment and never received any further statements although I requested them . I sent another payment in 03/09, it was returned to me saying all past due amounts were to be caught up.

I contacted my attorney and we reviewed the reaffirmation wjhich clearly stated all past due amounts were not to be made up. He wrote mortgage co. a letter in04/09 and advised them of the matter along with with several other things they were claiming such as they never received reaffirmation agreement from us. My attorney contacted me and advised me if I hadn't heard from the Co. to go ahead and send a payment, which i did on May 1st.

On 5/22/09 I received a Fed Ex from mortgage co.advising they would initiate foreclosure by May 28, 2009. I called them and they advised they never received my attorney's letter nor the original signed reaffirmation or my check of 5/01/09.I told them I would be contacting another attorney to see what action I could take against them. To date I have had no further contact from them.

Michael of Staten Island, NY June 3, 2009

My due date was 05.13.09. I paid the balance in full on 05.01.09. by personal check in your Brooklyn's branch #245. I have a receipt. A few days ago I got a new statement with a late charge fee of 29 and a finance charge of 3.78, and my account is closed now. My cc account is closed now, my check is not shown on my bank statement. I visited the branch again, and they told me that I have not paid, even though I have the receipt to prove it. They want me to pay the same amount again.

William of Metcalfe, ON June 2, 2009

I received a phone call a couple of days ago from HSBC Bank Accounts Receivable asking for a name I've never heard of. No problem - I advised them they had the wrong number and considered the matter closed. In the last 48 hours, they have called me 16 times from the same number. They do not leave a message when I let my voice mail get it, and when I pick up the phone, I hear noises in the background, but no one answers. It appears to be some sort of harassment tactic. This represents an extremely undesirable company - they should be forced into bankruptcy by their customers. I've never dealt with them, and after this, certainly never will.

Syed of Deira, United Arab Erimates May 31, 2009

I had lodged several complaints with HSBC regarding various issues such as annual membership fees for credit card, closure of a savings account, reversal of other fees, request for increasing credit limit etc. But all the time I call up the manager (for account closure) at the Mefco branch in Dubai, she will deliberately avoid my calls. She is a good customer dodger. Even the telebanking staff are very lousy, and they wont give you proper feedback. They hide the truth and keep me in dark.

Bridgette of Rahway, NJ May 28, 2009

I understand bills must be paid 10 days beforehand but in this economy we are all struggling week by week so as long as the bill is paid in the same month, there should not be any problems. THE PROBLEM I recently had with HSBC is that I went to the HSBC branch on May 23, 2009 in Edison, NJ and made my car payment since it was past due 28 days / approaching the 30 days past due which I didn't want to go past because if so it would affect my credit which I didn't want to happen

so I called HSBC (800#) and the C/S rep informed me I could go to the branch and the payment will be applied right away so I went to the nearest branch and made my payment (Edison,NJ) and also retrieved a reciept which then showed me "next business day". I assumed the payment would post at least by Tuesday 5/26/09 and after it didn't I started making calls to the branch in Edison, NJ and via 800# then the rep (Jay) from Edison,NJ finally said, "oh we don't apply payments for car loans at the branch, we accept it as a courtesy and we send it to them (HSBC in MD) to process",

at this point I said "What, why wasn't I informed of this as I could have avoided all of this by simply sending my payment via MoneyGram which I have did in the past and had no problems making the payment this way", (Note: This was a three way call because I called the branch in Edison, NJ and 800# together)

The rep on the 800 # made a comment in my account to note payment was made at the branch,which doesn't help me as I spoke to another rep previously on 5/23/09 who made a note on my account "to only stop calls to me until this Friday 5/29/09 as the payment was made at the Edison, NJ branch". As of date the payment still did not post. HSBC is an underhanded company that trains there C/S reps to lie and don't inform customers of the entire truth on there payment process.

Dustin of Andrews, TX May 26, 2009

I have been paying off my Yamaha account as quickly as possible using automatic deductions online. Last month it stopped suddenly and without warning by HSBC. This creates massive problems since the Auto Deduct is paperless. Finally after 30 days we recieved a late notice and bill from HSBC with reguards to our account and their mention of reporting it to the credit bureau. Gee thanks Ive paid my bills on time using automation deduction for 2 years and you bend me over a barrel on your error.

I called HSBC and restarted the Auto Deduct and had the service tech give me what the minimum would be since I just had to shell out an extra 60 that I shouldnt have had to and he told me it would be 56. Great, I set it up and thought everything was fixed, but nope they had another suprise in mind. I recieve a bill just last week that says I owe them 38 dollars now because I was 3 short on my automatic deduction. Now wait!!!! They told me how much to pay!!! I wish I could make money this way! Tell someone they owe me this much and when they pay it tell them oops not enough you now owe me an extra 38 dollars because I gave you the wrong amount!!! This place needs to be set straight!!

Philip of Denver, CO May 22, 2009

I signed up with HSBC in 2007. I had automatic payments to them every week for 10. Around December of 2008 my bank account was compromised and I had to shut it down. I notified everyone that it will be approximately 30 days before I open the new one with the same bank. I had an account with US Bank at the time as well so I shifted my payments to HSBC to that bank. Every week I received emails from HSBC that my payment had been received. I received phone call and emails about various offers they had. It wasn't until Feb 2009 that I found out the my US bank accnt had been compromised as well and that the entire account had been cleaned out sometime in January. (US Bank never sent any statements or called me) I contact HSBC at this time and found that none of the payments I had set up for auto pay had actually gone into the account. I also found out that instead of contacting my by email or phone (as they had been doing constantly for various offers) HSBC charged me with over 500 in fees. They stated it was for NSF payments. I asked why they didn't try to contact me and why did they send me emails stating that my payment had been received. They answered that they sent info with their monthly statement. I adv I did not read the statement since I was receiving emails from them stating that everything was received as well as several calls and emails offering me different promos. I asked that due to the circumstances could they remove the very large fees they charged and I will once again due weekly payments. They refused. I adv they never attempted to contact me in any way and I never was over the limit on the card so I do not feel I should be charged with over 500 in fees. Refused again. The multiple calls to my work place have caused an issue between my supervisor and me. I've explained that there is nothing I can do, HSBC refuses to work with me or stop calling. The calls continue to the point of harassment. 6+ calls in 1 hour is excessive. I am not getting approximately 6-7 calls an hour from these people tying to get me to pay the full balance. I've told them several times to stop calling. I even went as far as to say I will not pay, send me to collections. They still refuse to do even that and are continuing to call me every 5 minutes.

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