HSBC Reviews

My husband and I paid off our mortgage with HSBC in July 2015. We received a letter from HSBC in August 2015, acknowledging that the mortgage was paid-in-full, but it did not state that the lien had been removed from our property. We also wanted documentation of that because we intended to list our home for sale.

I have had nothing but problems with these people. First I am put on hold for over 2 hours (no exaggeration). I either get someone who does not speak very good English and or I get someone who is rude. By the way... Nothing is ever their fault! I called in reciting my checking account number to a woman who had limited English! I did it because I wanted to make my payment on time! Nobody contacted me to let me know the checking account number was input wrong! I happened to call them to find out what it has not been processed! This caused me to be late with a payment! I complained to the credit bureaus. I mailed a check and waited weeks to no avail! I waited on line with the usual runaround and to wait 2.5 hours on hold! Got a nasty customer service rep claiming it was everyone's fault but HSBC.

I have an HSBC Business Credit card. I set up a 100.00 monthly payment to be taken from my personal checking account for the 20th of the month. They debited my account 500.00 instead. I freaked out and called customer service and it has been a nightmare ever since. First of all they claim that the 500.00 was never posted to the HSBC account and to call my bank. My bank, Chase, said that the error is with HSBC however they were kind enough to credit my account while it's being investigated. Then on top of going back and forth with them about that, they reversed a 500.00 payment from our business and again it has disappeared. No record. So now 1000.00 is unaccounted for and it will take months and months to sort out their incompetence. Never in my life have I dealt with such a terrible bank. They should be put of out business!!!

They are the worst bank ever. I have payments that get sent to me monthly through HSBC bank to my bank account in another bank. They delay my payments randomly from a week to two weeks or more from the transaction date. They respond extremely slowly to any email or complaint, and sometimes they just ignore. They came up with unacceptable excuses. I highly recommend to stay away from HSBC if it's in your hand. Unfortunately I have to suffer with them.

I have received two package letters from HSBC about 3 months apart, and both are identical. "Supposedly" HSBC messed up on a inheritance payout from a personal friend of the family. They did get the inheritor's name correctly but I was concerned due to a couple things: It has been over 10 years since our friend passed away and I have moved many many times since then as well have moved out of my parents' house so how did they follow me? HSBC is asking for many documents that I do not carry- passport, international ID, International Driver's license etc, etc. HSBC insists that if I don't have those documents, I cannot take any steps to receive any monies that THEY forgot (cough cough), to factor into the inheritance I was to receive.

I applied for my first credit card (HSBC Platinum Qantas Credit Card) on the 22nd May via the HSBC website and the application is still being processed 2 weeks later. As I applied online I assumed the process would be quick and easy but I was wrong. Since submitting a copy of my current lease agreement and latest payslip in my application I have submitted 100 points of ID twice in the last two weeks at the same HSBC branch (Swanston St, Melbourne) and called the HSBC call centre multiple times to confirm they have received all of the documents and information they required.

Just to go along with similar complaints. I could write a book. However my experiences were very much the same as other people's accounts. Out of nowhere HSBC sends me a letter they are closing my HSBC Canada account. I attempted to find out why but was stonewalled at every turn. Not long after I received a letter HSBC is closing my HSBC Shanghai account. However as I was in Canada I could not get my minimal amount of funds out of Shanghai unless I appeared IN PERSON - it's $700 US funds! It took about a year to get my funds without having to appear in person. I had to threaten legal action and an all out attack on their character. My Chinese wife actually went to Shanghai but they would not release the funds to her - it had to be me.

On one of office visit, they persuaded me to open select credit account to have overdraft protection on my checking account. After the account was opened, one day I got $35 fee for overdrafting. I didn't call at that time thinking I can donate them that money by saving myself effort of calling. 3 month later, I got a mail saying the select account is not linked to any account of mine and will be close. Then I called the customer service this time. A lady with some Indian-like accent picked up and was like a moron to talk to. She was like "you need to take the effort to link the account" and not admitting the linkage should happen automatically when the select credit account was opened to realize the overdraft protection functionality.

How is it that those that were originally clients of Beneficial Finance, which is a predatory lender are now being taken advantage of a worse lender HSBC. We weren't ask if that's what we wanted. Our accounts are sold out before the ink dries to the biggest crooks that seem to be monopolizing this business. Since there are so many complaints against Beneficial Finance/HSBC why hasn't Consumer Affairs done a thorough investigation which would include an audit on the accounts of the consumers that have complained. I don't think that is too much to ask for. Listing our complaints on a website might stop those that are thinking about getting a loan through either of these companies, however the consumer whose mortgages have been transferred to HSBC because of a merge etc should not be made to be robbed continually, for something they had no control over.

I have spent nine years to get back my money that I deposited 11 years ago. I have wasted over 1000 hours. If I write all I have gone through and still not got my money, it will become a thesis of the worst kind no one would have read or imagined. Some highlights of their torture are: I could not go to India after opening the account, they would only deal with me if I go there! So there was a deadlock.

I've had a business account with the bank for over 5 years and they sent me a letter, stating that they are closing my account without giving me a proper reason. I closed the account with them and they never gave me the money in my account back (over 90 000$ US)!!! I am extremely dissatisfied with the way they have treated me since they have basically stolen my money. This is the worst customer service I've ever seen. Take this as a warning if you are closing an account with them, to be extra careful. Also if someone else has faced a similar issue and resolved, please let me know how you did it.

I am not going to spend additional time explaining... am just going to paste what I wrote the business account specialist at HSBC and what I got as a response. On March 11, I tried to use my card (HSBC Business) and my card got declined. I assumed it was probably due to fraud charge the fraud department detected, and accordingly disabled. After numerous calls (2 hours) however, I found out that my business account has been closed. I did go to the Mercer Island Branch to check if it's true, and if it is, to learn why would a bank close my account. Denyatta (the only person that has been helpful so far) told me my business account has been close on Feb 22nd and HSBC sent a letter of termination in January. I have not received any letter of any kind except a bank statement for the month of February (with payments posting until Feb 28th). I have written checks, made online ACH payments until March 11th.

Wish I had read reviews sooner. Awful communication, awful customer service. Awful all around. Run away, run away far. I cannot wait to return to work (when my son turns two in 6 months) so that I can transfer my credit card to another bank.

I still can't believe what happened. I am a 52 years old Ph.D. medical doctor, was kicked out of the bank when I tried to open an account. Here is the story: I collected a number for the customer service after I mentioned that I am coming to open an account and waited for my turn for 1 hour and 20 minutes. Unfortunately I got distracted when they called my number and by the time I reached the desk, the employee had already called the next customer, so she asked me to wait and will serve me after. I waited for 65 minutes till that customer finished and she welcomed me to her desk. When she knew that I am coming to open an account she told me that the other employee is the one for opening the accounts and I have to wait for my turn with him. I got pissed off, that is the time when the branch manager noticed and got involved.

Changed their system so you can no longer transfer money online. You have to do it through a mobile app which does not work 100% of the time.

I noticed this when checking my credit reports. For me, it hasn't affected my rating too much, but for my husband it is really bad. We are an older couple and have paid off all our debts. He only has one little credit card. I'm in a better situation since my daughter's parent student loans were in my name only, so that is showing up. I called them and they said "Write a letter and dispute it." I did, and they replied that my account has be deleted or some such nonsense. What makes this bad for us is if we want to get a car loan my income alone won't qualify us. He is the only one still working at this time. In fact, I was so mad at them, I looked into refinancing with another company. We can't because the person with the income in our family has practically no credit history.

I've had an HSBC account for the last 10 years and the only reason I started one was because my father knew someone who worked at the local branch. I just started college at the time and had to start handling money, but after all these years this bank is still trying to leech off of me after I stopped using them. For starters, I had a checking, savings and overdraft accounts. And I regret every one of them with their slow customer service, lost bills and lies. But the worst part is the overdraft they call "Credit Select" because they will do everything possible to charge you a late fee.

This is the slowest bank I have ever dealt with. I have been waiting for my bank account to be open for more than a month. After calling their phone number and listening to music for 30 min, I went to the branch and made there a complaint. They said they would contact me in the beginning of the following week. Of course, they didn't do that. The person from customer support asked all the possible security questions and provided 0 answers.

Funds transferred on the 16/11/15 did not reach the Beneficiary. After 4 weeks of international calls, the payments team confessed to receiving a cable in response to their inquiry which they did not know whether it was from the Beneficiary bank or an Intermediary bank??? This is clearly professional negligence or more likely as Abdullah of Damman has pointed out on this review site a clear plan to deviously profit, milking interest.

HSBC has to be one of the most opportunistic and unprofessional Global bank ever dealt with. Funds transiting their platforms constantly get held hostage and get milked for interest while their second or 3rd party clients frantically follow-up and complain to get it released. They, like cowards, wait until the last possible second of pressure mounting from their clients to release these payments. They will eventually lose loads of corporate and retail clients for their greedy mischief.

I was a customer for over a decade with HSBC and used them as my main bank. I had a grandfathered Online Payment account (my main payment account over all that time) as well as Choice Checking account. I asked them via online mail to close the Choice Checking account - someone screwed up and closed the Online Payment account. I pointed out the error and asked them to fix it. Instead of fixing the error they tell me they no longer offer Online Payment accounts and can't reopen it. I call in to talk to a manager to get the issue resolved - same answer "yep we screwed up and no we can't fix it." I promptly told them to close all of my accounts.

I had to sign up with HSBC for a personal loan I took out to purchase a laptop in a store (and this bank is their loan partner). This should be fantastic advertising for them - but it has simply made me appreciate my current bank all the more. The staff on the phone were RUDE and terribly unhelpful when I tried to set up my credit card, the system crashed TWICE and I had to start all over again. HOW MANY TIMES DO YOU NEED TO ASK SECURITY QUESTIONS. Almost two hours to register a credit card is ridiculous. The website is completely user unfriendly and hard to navigate and the sign in process is lengthy and over the top. I will be cancelling my card as SOON as I have paid my loan and not coming back near this bank ever again.

Hello. Yeah I have moved 2 months ago in the UK to study. I went to open a bank account and start work and as HSBC were offering a 60 pound amazon voucher I decided to go with them. I entered HSBC and was greeted by a rude employee. We spoke and she gave me an application form. I went home, filled it in, came back and they told me I would receive a letter by 7 days. It has been 5 weeks. 4 times visiting the branch asking for help and get told they cannot do anything. 3 times increasing their waiting period (from 7 days, to 3 weeks, to 8 weeks). 1 phone call with operator - to hear the same thing, and here I am still waiting just to get any notification from them. I mean seriously how hard is it?!?

We already hated HSBC, after numerous stuff ups during the building of our new home where forms were not being signed and money not being released to our builder but feel we are stuck for now and so we are trying to make the best of it. My husband who runs a small business has been told that we can't have a business account because we don't earn over $1000,000. We had to go to a different bank and open one with them and transfer money over to our spending account with HSBC. We have just found out that after fixing our interest rate that we are now no longer able to transfer money straight into the loan account. Unless it is a scheduled payment we have to physically go into the bank or fill out forms at home with our signature and email them to the bank.

Been a Premiere Customer for years. Trying to refinance on an HSBC loan, where the ultimate LTV is 60%. 2 months, Never ending... Idiots, incompetence, hostility, lying. It's so bad the poor schmuck that is allegedly my 'personal banker' wrote me a personal note of apology. The second this ridiculous refinance is over - closing everything, writing a note to a few people. No one will care of course - you can't turn a sinking ship. My point is - if they screw their best customers - what will they do to you.

HSBC get one star from me only because this site doesn't allow 0 or negative stars! I used to live and work in Hong Kong and thus had an MPF (pension) account. Several in fact because the compulsory one is set up poorly: every time you change jobs you have to open a new account with whatever provider your new employer uses.

I call this branch on 0090850 211 0112 to make a simple money transfer of 400 Turkish Lira to my UK account. This is only £75, it took them 1 hour and 20 mins to deal with this. My call was transferred at least 4-6 times to different people whose computer system was down. In addition, many of the employees on this number cannot speak English or understand, surely a basic requirement for working in an international bank. They also do not speak clearly so it's hard to understand what they are saying. We did manage to get my banking internet account working again, hurrah, but I am none the wiser of the procedure for moving money!! The call will have cost me around £7 and they were not willing to waive their foreign currency charge even though it was obvious how frustrated I was.

I moved with my family to Australia almost 5 years ago. Before I left I informed HSBC of this but told them I still wanted to have my UK account. They said I wasn't entitled to my package insurance policies as I had to live in the UK so the 10 quid a month fee would stop. This didn't happen, so I spent ages trying to get this to stop. Eventually it did but about 3 years ago it started again without my knowledge. No my account is overdrawn because of this. I complained on 8th July 2015 and still haven't heard anything. I get the same email response back from the customer repair team each time and have spent a fortune in calls from Australia to the so called UK call center (Sri Lanka). I have taken this to the ombudsman and have been advised that I was mis-sold my package many years before. Hopefully they will resolve it soon. We plan to move back to the UK in January... Any suggestions on who we should bank with?

First of all, let me start by saying HSBC used to be great. I had a good relationship with them for more than 2 years (less than the other complainants but still), had no late fees with my credit card, and never falls below minimum ADB. Several times, I even recommended them to my co-teachers, associates, and even to my family and relatives because I was pleased with them at the start.

If I can give them no stars I would. Their business practices, if not illegal is definitely unethical. Due to my balance, HSBC upgraded my account to some sort of premium status account without notifying me. This account requires a higher minimum balance and once I fall under this amount I would unknowingly be charged ridiculous fees. Keep in mind I barely met the minimum balance requirement. No one can tell me why this account was upgraded without my authorization and no one can find papers or recordings of me authorization this change. I'm chalking this up to one of those bad bank practices of "hoping he won't notice until it is too late" schemes. Well I noticed and I'm taking any/all actions available to me to enlighten others not to bank with HSBC.

Unlike a lot of folks commenting, I have not had trouble with accessing money. I set up bank to bank transfers only and have not had problems. What I HAVE had problems with multiple times over the years, and which has resulted in me closing my account, is their ridiculous security process and customer service. The first agent I spoke with today eventually started yelling at me and the second one was trying to convince me to stay with them. Why? What benefits? I don't need your .03 per qtr. I have never experienced customer service more rude than that of HSBC.

I cannot believe I am sitting here for the last 2 hours to get my own money out of our account. For starters, you will be dealing with customer service who is reading from a script and clueless. We have answered any and all security questions and still cannot do a bank to bank transfer. You should never use this bank ever! As soon as I can get to my money it is coming out!

At the Oakland Chinatown HSBC, I deposited cash in their ATM. I took too long and it took my money, but didn't credit my account.

Worried about death as an HSBC international client, let me tell you what your family is going to have go through when you die.. HELL! Trying to get HSBC Hongkong to send the right forms, give you a correct process, is like trying to get blood out of a stone. They stop speaking English when you get them on the helpdesk. They send the wrong forms and information, everything has to be done by snail mail, you do not hear anything for weeks, emails are just copy paste lip service, they do not accept UK probate without you having pay thousands of extra pounds for having your signature, passport, birth certificates notarized. Then the same documents of the deceased.. and it takes them (so far) 5 months to tell you this. They will not tell you what is the deceased accounts without paying 100hk and it takes them 4 months to send you the form.

My family has been a loyal customer of HSBC for many years and every member of my family holds HSBC premier accounts. Recently, we decided to have our Wealth Manager, who has become a good friend, manage all of our family's accounts, adding on my grandmother's which he has previously not overseen. Upon reviewing her account, he discovered that she had purchased a suspicious insurance package from the HSBC Hong Kong Central Bank.

Myself have ongoing loan from HDFC Bank for my properties at Gurgaon (Shushant Lok-III) and Builder Flat at Paschim Vihar Delhi. I was approached by financial advisor M/s Mantra to get this loan transfer to HSBC Bank at much lower interest rate than HDFC. Considering the better deal I got agree to Money Mantra and submitted documents to HSBC Bank as per their list of documents through Money Mantra for their processing and sanction of loan amount equal to existing loan and then transfer from HDFC to HSBC with lower interest rate and lower EMIs. After scrutiny of my documents HSBC asked me to deposit their processing fee of total Rs 22400/- (approx.) in two installments in January 2015 and Feb 2015. Then after HSBC issued me pre approval letter in Feb 2015 confirming about the interest rate, EMI details etc.

Back in 2012 I had bought a new 4 wheeler and the dealership I had bought it through had set me up with a loan through HSBC. I had financed the new bike at 2 years and the bike was a 14000 machine. For a little over the first year, things went well. I was making payments on time. After the first year I had run into some personal problems and ended up moving to a different town. The first couple of months in my new home I of course ran into so financial troubles with being between jobs. I put in some calls with HSBC. Explained my situation to them and was met with only resistance, no solutions. They would not allow me to refinance, they would take a partial payment but it would have to be caught up and paid in full by the next month.

I have been an HSBC premier customer for several years now and have had the worst experience with them, period! Their customer service is nonexistent - the whole experience with them has been dreadful! At the moment I am waiting for a check from them for a refund that was issued by a merchant on my credit card. I have been waiting for the check since June 1st and have called numerous times. Today is July 22nd. My next call is going to be to my attorney.

When my husband was in the hospital very ILL he asked me to check on our life insurance. I found out the HSBC stopped debiting the premium cost from our bank account and cancelled his policy. I asked them why they DID this and they said they cancelled it for non-paying. My bank told me they stopped the debit and at no time was there a debit from them that presented without funds available. I am not sure how they found out but they DID this the month my husband went into the icu. I would never use this company again nor should anyone else. I posted on avvo.com and I was offered help from a lawyer. Avvo.com has lawyers that can help if you can afford it. Maybe you can get a contingency deal.

Our experience is very bad with HSBC, India. They publish a competitive rate of interest for home loans etc and then after that, once after creating the mortgage, they change the account as normal commercial borrower and charge the retail lending interest rates etc. In our case, they started with 13.25% pa and now their published rate for this home loan is 10.30% for self employed people like us... But HSBC even now keep debiting at 16.20% pa which has made an interest amount difference of INR 23,00,000 (US$ 40,000 plus) for the past 92 months out of 156 EMI.. as per the contract. So, just beware and careful when dealing with HSBC in India, they publish something and really like a big shark - take the public of people for granted and keep debiting unauthorized by RBI etc and we the public suffer if we don't take precautions.

I had been a customer of HSBC for 18 years. Various short term loans and then my mortgage was held by them (in Minnesota). No problems, no letters of complaint, no late payments, etc. This happy arrangement went on for 18 years. Never received a statement or a notice I was late with a payment. In October 2014, they suddenly and without notice sold my loan to Caliber in Texas. Since that time I have been fighting with Caliber about all these late fees and missed payments I supposedly made in my time with HSBC. I have no notice of that effect. I have not marks on my credit history. I have NOTHING showing I was delinquent. And now that they sold the loan, they won't talk to me.

I had misc charges (called on interest bearing fee) on my credit card. It took 7 months to fix it! I went through 10 different people to try to fix it but they gave me the run around and some even promised me it would be fixed within the next few days. ** thankfully fixed it but then I had another misc random charge for 593+ and they were trying to label it as a refund BUT instead of getting a refund they actually charged my card 593 dollars. I'm scared about how much this company profits from people who do not check their billing statements! They treat me like this and I've been a loyal customer for about 10 years with consistent payments that are on time. Customer service representatives are stupid and don't know what the hell they are doing except for this one lady with the rewards center and **!

I recently changed bank account to M&S and was surprised to learn that they were in fact part of HSBC and HSBC is where I could pay in cheques or cash. Imagine my surprise when trying to pay in a cheque at a machine I discovered I had to fill in a paying slip as well, how Dickensian in this day and age. On inquiring whether HSBC were going to install machines with readers on them I was told not as far as the counter assistant was aware. I changed my bank but feel I have taken a step backwards and will probably look to change to a more forward thinking institution in the near future.

HSBC advertises 25,000 reward points for spending a given amount in the first three months after having your card issued. As an international customer I never received the card they issued due to mailing problems, card was never ACTIVATED. I had to cancel this card and was issued a new one. This second card was ACTIVATED, and I spend a lot more than required to have the reward points within the three months period starting in the issuing of the second card. Nonetheless, HSBC refuses to credit the points that they advertise because they consider three months from the first car issued, the one that was voided and never got into my address. I have been trying to resolve this for more than a year with the Premier Customer Service with no success.

HSBC acquired my loans in 2007 when the housing market collapsed. This is when Beneficial HFC offices closed all their doors. They went out of business and through no control I was forced into business with HSBC. My balance never goes down with them and they don't allow refinance options. I know that HSBC has been sued for shady practices in the past especially lately. I think they are stealing from the fallout of the market collapse. Also when I signed the paperwork for my loan during the market collapse, I feel that Beneficial already knew it was going down the tubes and did not disclose this to innocent customers such as myself. I very much dislike this company. Please never get a loan with them in my opinion.

I have created a premier account with HSBC HK in 2009. After that I didn't do any transactions, but left there with a US$10K balance. Now I wanted to re-access my account through the internet (I live in California). The nightmare started. First they want me to send in change of address form, which I did. Then they want me to send in a new signature form, with the signature witnessed by HSBC USA branch staff members, which I did, then they said the new signature does not match the 6 years old signature, and want me to do the same thing again.

Suffering no 1: I had been using a credit card from HSBC since 2007. Last month without any intimation HSBC cancelled that card. When I called the customer care before making the monthly due payment, they were totally unaware & unable to explain me why this card was cancelled. As usual, I wasted more than 45 mins over phone, got a confirmation that somebody from some other dept will call me within 3/4 working days to sort out this issue. However, I received a call after seven days... and that was a payment reminder!!! Not about the complaint I registered. I wondered and patiently explained everything second time.

I made a payment to overseas manufacturer/supplier for my inventory. The payment was blocked by HSBC compliance team and they asked me to gather Supplier's personal information, his date of birth, residential address, passport number. I had only business relations with the supplier and getting this information was awkward. If someone asks my information I will not give it. Anyhow, after I begged for the information the supplier gave it to me on a trust basis. I handed in the information to the compliance. After 2 weeks of staying on phone about the status of my funds, visiting the branch and emails, raising complaints, I still have no information in hand when I will be able to access my funds.

This review is written by a responsible person has a credit score of over 750: HSBC’s way of dealing with contentious issues is to hang up the phone on you. You can be reasonable, you can calmly explain your situation, and if they believe that it would be too much trouble to help you, they will hang up the phone on you. I presume this is because agents know that they will not be disciplined for doing so. Over the course of a 6 month period, I have had an experience with this bank that has been so frustrating that I imagine I have raised my risk for cardiac disease because of the stress that they have caused me.

My Parents got a loan out for my son, for $12,000 back in 2008. The minimum payment was $181.00 but we wanted to get it paid off sooner so we paid $245.00 a month. As of 2013 our balance was still $12,000, we had paid this company HSBC over 14,000 dollars. Then these sneaky SOB'S sold it to Springleaf, they don't care they got their money. As of today 03/30/2015 the balance is still $11,700 that now my parents owe them, so what do we do payout another 12,0000 to this company and then they sell it and pay out another $24,000, When does it end. Why aren't these loans like Auto loans where you pay them for a certain amount of time and then you’re finished paying for your automobile. How can they continue to take our money with no end in sight? Everything is so shady to me and if I were anyone trying to get a loan, READ THE FINE PRINT...

HSBC gulps/eats away a customer's property by charging double rate of interest and not allowing to moving out of HSBC. Then you close the customer complaint. Do you have authority and competency to comment on these matters against senior HSBC officials? Has HSBC been given liberty by Central Bank of UAE to charge any rate of interest to different customers to grab/dacoity on client assets? Loan has been given to me on floating rate, HSBC charge some customers 3.99% and to me they charge 6.75%-7.50%. This is violation of Home Loan Agreement of HSBC for floating rate.

Long & multiple tales of interaction with HSBC: 1. No responses to SME banking customer's requests including assistance in making payments for statutory taxes to government of India, 2. No action on SME business banking account closure request, 3. Charges debited after more than 6 months ... and without intimation, 4. Multiple excuses for non-action on requests, 5. On threatening them with legal action, they simply close the bank account stating "AS REQUESTED BY YOU". TRULY, HSBC is meant only for financial frauds and not for normal business people.

Q: What is standard contract time for single family residential? A: Thirty days. Q: What is half of 30? A: 15. Q: So even with time and then an additional half of that time with all documentation turned (some of which they lost or misplaced) still needed an additional extension. Blamed everyone, appraiser... pretending documents were never sent... Unprofessional and very unaccommodating. OVER one week before the 45 day contract was set to expire... asked to close the weekend before. There was plenty of time to get everything done but had other closing dates for other 30 day contracts that must have been more pressing. I WOULD NEVER TELL ANYONE to use this bank unless I wanted them to be homeless. Luckily the buyers of our house were nice... though not happy and left us in an extremely uncomfortable position with them!!!

I established an escrow account with HSBC more than three years ago. According to my mortgage statement, I have been paying additional escrow payments, and back taxes, for the past three years. In 2011, I paid HSBC a total of $15,802.00 in back taxes. (My property taxes are only $2500 a year.) So, once I paid this balance off, I thought all was well. Not so, while reviewing my mortgage statement for February 2015, HSBC added $9036.00 to "advanced payment fees," and I am still paying approximately $3000 towards previous escrow fees. I spoke with a county representative yesterday, and the numbers are not added up. I am a homeowner who REALLY wants to maintain my property. But, if HSBC keep adding this misc fees, I will no longer be able to afford my home. Any assistance would be greatly appreciated!!

In the last 2 weeks, I've had my checking account locked more than five times. I've spoken to the department about twice that many times as they put me through their verification process. I've lost hours trying to handle this itinerant issue, and I'm an hourly employee. At this point, I think they are just trying to get me to take my account elsewhere. If that's the case, then they need to be penalized, as it's bordering on harassment and abuse.

Long story short, went in and directly asked what would happen if I used my card overseas and was told no fees would be charged, and if they were, I would get them back. I went overseas, used the card, and got hit with roughly $20 in fees that I was told in the end is my problem. NEVER use this bank.

HSBC MasterCard Canada has owed me 335.05 CAD for three years. I have called the call centre 10 times in 3 years to try to get the refund cheque sent to me. They always assure me that this would be resolved but it never was. To date I have still not received my refund cheque. I have spent 1 hour on the phone again today explaining the issue again. I receive statements monthly stating that I have a CR balance of 335.05 but apparently cheques cannot be sent to the same address (sarcastic tone). I have tried to escalate this issue till I get to the VP of customer service as this is ridiculous. It would almost be funny if it were not so frustrating. HSBC MasterCard Canada shows no accountability when it comes to paying what they owe, but if a customer owes money it's 17.9% interest per year!!! Any ideas on how to resolve this or get in touch with a Manager in HSBC who can help????? Thanks so much...

HSBC is absolutely the most unprofessional banking institution my husband and I have ever worked with. It is best not to even open an account and have any dealings with them. It has been a three week process and over 6 hours of our time attempting to close our account with them. We have had an account with them for more than 5 years, but decided to bank elsewhere. In our initial attempt to close our account over the phone three weeks ago, my husband was placed on hold for over an hour, directed to their online processes / codes which do not work, btw (another waste of an hour).

HSBC BANK provides nonexistent customer service. I make my payments early monthly electronically. Yet, HSBC post the payments late, so they can assess a late fee to my account. These shady practices will not be accepted! I called customer service & spent over 2 hours on the phone. Ultimately speaking with one incompetent representatives after another. The reps were extremely aggressive & rude. I requested to speak with a supervisor many times. Ultimately another woman whom came to the phone loud & aggressive, then hung up the phone (claims she was a supervisor). Yet, I was told I was waiting to speak with either Bernard/Tony.

I tried to refinance with HSBC to lower my interest rate and they told me that they would not refinance my loans because I could afford to pay the high interest rates that they were charging me. They didn't care a bit about charging me these rates of 9.75% on my first loan and 11.25% on my second loan. I didn't start my loans with HSBC. They were assign to them even though no assignments were ever recorded in the land records.

I am a HSBC premier customer, before in UAE now in UK. I received notification from UEA branch that I was overcharged in foreign exchange and money is credited to my UAE account, not used but still live. After 6 weeks in UAE, 3 visits to the bank, still not received my money. Money is not a large amount, I was told cheque would be sent after 5 working days. 3 weeks passed no cheque, 2 visits made to bank. Told the problem will be sorted, come again after 5 days to receive cash, 3 visit to a third customer service person who said a cheque will be mailed. Now into 6th week, I refused another cheque promise and said I want cash as I do not trust their words. Now awaiting a call to go for the 4th time to receive my cash, hopefully. It is hard to put into words how I feel about their poor service and mismanagement.

My son, was in today at the 300 York Mills branch to have a cheque certified on my behalf as I am out of the city for a couple of days. I had written a cheque for our lawyer however it needed to be certified by the end of the day for an urgent purpose. Since the cheque was a large amount and our previous RM Ruby ** who knew him well, had been transferred, he was asked to wait to meet the new RM. Firstly, he mentioned that the tellers at the front desk were a bit unwelcoming when he first spoke to them to explain the situation, then finally after discussing matters with each other, they asked him to wait for the RM - Saddika **. He mentioned that she, Saddika **, had noticed him sitting outside his room while she was with a client, however, even after the client had left she made him wait another 45 minutes and did not even bother to introduce herself and walked past him several times.

I don't understand why the bad reviews. Every time I had to contact HSBC they've always done what I've asked them to. Once I reduced my overdraft limit by more than I actually had available by mistake online and I put myself in unarranged overdraft. I contacted them straight away on Friday 10pm, was told will be contacted in the morning as there was nobody to authorise the increase. The next day at 9am (Saturday) I have been called to confirm the overdraft has been increased back up to the amount I wanted to and no charges would be applied. I requested a written confirmation to advise this would not affect my credit report - which it came, 2 days later. My issue was resolved In less than 12 hours people.

We have made payments over ten (10) years to HSBC for our mortgage. In November, five (5) days after making our payment online, HSBC withdrew another mortgage payment that was not due, bouncing my account. Then paid me back for the attempted overdraft and then, five (5) days later did it again. Calling them only received a customer service rep that denied taking additional funds or attempting to take them. I had to cancel all payments to them via online. My bank advised that I would need to send them a check. I sent them a check, which they received on December 26, 2014 which they have not posted. They advised that my bank would not accept the check and now, for the next six months I would need a certified check to make my payments. This is unacceptable. Banks are not held accountable for their actions. Not HSBC or my own bank. Now my December payment is past due, first time in ten years. I attempted to contact a supervisor. Was connected to a voicemail which has still not called me back. Calling my bank again in the AM.

On 12th June 2014, I effected a telegraphic transfer for US$150, online, to a recipient in Indonesia. The money was debited from my account together with bank charges. However, the recipient never received the funds. I went to the local branch (Kota Kinabalu, Malaysia) of HSBC where I maintain my account to report the matter. They acknowledged that the funds had not reached the recipient but did not know where these has gone. They would investigate and reply soon.

Well I got an unsecured loan from hfc and I only wanted to borrow 6,000 and they said you can borrow more and it was in 2005 and in 2008. I was close to bankruptcy since I am a landlord also and plus I could afford their monthly payment so I was sending them 20 each week and plus they had a debt collector calling me every day. Now I get a notice the other day, they are not accepting my payments anymore and they said it was sold to caliber. So I sent the two checks to caliber and caliber sent the checks back to me saying they didn't acquire the loan. What do you think I should do. I am keeping all my paperwork.

Contact with the Local Branch Information Manager at HSBC resulted in not being able to open an account because of their refusal to accept a long term (30 plus year), P.O. Box address as a requirement for opening an account. At first, the HSBC Relationship Manager was cordial, but changed to belligerent. The bank is holding personal confidential records against my wishes and ignoring a request for their return. Their East Coast Customer Relations department sent a conciliatory letter (unsigned!), but no further helpful action (to date/December 1, 2014) has been received. Thank you for your time and attention.

I have not been able to get to my account for months. Hopefully, there is no fraud on my account. I had my account set up for online statements and then HSBC changed their log in. I had requested this last week only to find out that I was sent the telephone access number and that will take 10 business days. I can't believe I need so many separate numbers to access my account. My Internet access was never sent so I still can't switch to paper statements because I can only do that through the website, and the customer service representatives will not do this for me. As soon as I get my account paid off, I am closing it, even though it is my oldest account because of my inability to access my own account. I do not have this issue with Capital One or Citibank.

We lost $100,000 worth of money using HSBC. The supplier from China also used HSBC. The supplier asked for bank account change to bypass their Chinese Government audit. The scam was not detected until few days later. We've notified the bank about the fraud relating to the fraudster's account in HSBC. We asked HSBC to freeze all related accounts and they shunned us allowing the fraudster to pull the money out, closed the account and walked away. We contacted Beijing's local police fraud division and they said can't do anything about it. What a nightmare dealing with Chinese authorities.

My account is being blocked recently and I don't know the reason why it has happened, I have tried to call customer care and also being to branch but I haven't got any information, they said "we have send you letter" but I haven't received yet since one week. I have HSBC customer since 2011, and never had any issue with money or any other thing. I recently wanted to apply for bank overdraft for December for my medical surgery, so bank told me as I have amana account we can't offer overdraft, but I don't know what was the reason that I was opened an amana account in 2011, I just wanted to open a basic bank account but in 2011 they opened me a amana account (it some kind of islamic account where they don't give any interest or land an). So I tried to close that account and asked bank to open a normal account. I got normal account but after few days without any notice my bank account is closed and I have all the direct debits pending to be paid in 4 days. Now I don't have a single account and don't understand how am I going to pay all my bills.

I had a credit card and I was using it frequently. Once a time he decided to close my related bank account associated to my card, and I have no way to transfer money to the credit card anymore. Right now they terminated the credit card because of no payment, and they asking me in very impolite way to pay the whole credit card amount back!!

This is the worst bank I have ever dealt with. From the unprofessional mortgage I tried to get to reordering checks, a freaking nightmare! In addition, PSS, the mortgage processing company totally screwed up the mortgage and I had to go elsewhere. I urge this company to close its doors or get professionals to work there. Amazing how they can do business this way!!!

HSBC lost my payment in THEIR SYSTEM. I have all the checks that have been cashed by them and have sent proof multiple times to their resolution/review center, which I believe to be a "black hole". Although my fax service provider shows that the transmission was successful, I never get any response that claims they received it, are reviewing it or have declined the dispute. Furthermore, HSBC's collection department is rude and vicious in their attempt to have me pay late fees which have mounted due to THEIR MISTAKE! Every few days I get a call from them asking me to pay the amount with veiled threats that they will start foreclosure proceedings. I explain EACH TIME that I have sent proof of payment in to the review center, but they act as if I am a criminal and claim that they "see nothing" in my record.

I surrendered my house 4 years ago in a bankruptcy and HSBC still has not completed their foreclosure. The house is considered a "Zombie" house and this bank is keeping me from the ability to secure stable and permanent housing because I cannot get another mortgage. I am a disabled American Veteran and I worked very hard to restore my credit. There are only 3 states that have laws forcing the banks to foreclose in timely manners after the houses have been surrendered: Washington state, Oregon and Nevada. If the bank refuse to foreclose in those states they are hit with heavy penalties and fines.

I went to open student account on Sept 26, 2014 and got appointment for three weeks later, which is today, Oct 17, 2014. Having provided all documents needed, the banker told me that it is possible to open an account. After filling up review questions, he told me that I need to answer some questions for further investigation and takes time up to 6 weeks, which is I don't mind actually. However, I was 'suggested' to open bank account to other banks. I am wondering if they don't need new customers anymore or that was just my thought. And, after 'rejecting' my application, my ID was still copied for checking my signature with the one on the application, which is odd for me as I am not going to bank with them. I just hope my document will not be misused.

I believe that other than HSBC, no other bank will take almost 3 months to process a card application. 22 Jul14, I was persuaded to take up this Evolution card at a road show in City Hall which I didn't really need but Iryne, the sales staff sounded like she really needed to close a sale that day. She called me 2 months later on 17 Sep14 to ask for more documents which she omitted to request from me then. She called back again to inform me that everything was in order and it was submitted accordingly after I emailed her the stuff she needed on the same day. A week later HSBC sent me a letter telling me that the application has expired. My email to her to ask about this went unanswered after 4 days. Called the Customer Service and spoke to Shanjay on 30 Sep 14, and was told that the application is in progress and someone will call me on the next day but no one called.

In April 2013, I had hired a CMA Accountant and I asked him to work towards finding another banking institution for my company and better rates for our leases. Well instead he went to the bank and told them that I was going down and this was done behind my back. Well since the bank had not received monthly reports for 4 months they believed him rather than calling me the owner of the company and sitting down to discuss the situation. The CMA had only worked for me for 10 days and told the bank in 8 days of his employment what he thought (not enough time to review the company books). Anyway HSBC Account Managers in Edmonton decided to place me in special credit and my external accountants saw an opportunity to make money of my company and told me not to tell the account manager at special credit a little information as possible.

We did inspection, opened escrow for 60 days ugh, and did appraisal with a VA Loan. They said everything was in order of what I needed only to tell me the day of closing that we were rejected because it has an in-law apartment and we need to put 7,000 in bank because of this. Are you kidding me? We now lost money in a house we cannot have.

Having paid 50 percent of the processing fee amounting 5000 plus amount for a home loan application which never got processed, I never got my money back.

My landlord filed a claim for $1200 with HSBC because the rodent exterminator stopped coming for service after initial attic cleaning of a one bedroom apartment, and two more uneventful visits, citing the uncontrolled rodent problem was due to foundation issues, and they couldn't find any dead rats or do anything else until the foundation was redone. The owner told me, as her rep, that he would email me pictures of the foundation issues, and give me an estimate. I followed up, but got nothing. So there was no proof. I even asked for receipts, signed invoices - got nothing. Over a month passed, and still no word or visit from the exterminator.

I applied for a personal loan to HSBC bank and it was agreed that a certain amount. But Bank has been approved for lower amount and accepted on the basis that the employee in charge told me that I'll get the rest of amount after two months (two months later). Then on the date specified, which the employee promised has filed a TOP UP request to the bank. But the same employee informed me bank rejected my request and according to the instructions I must be completed one year after to get the amount which you need it. For your information when I applied to HSBC bank there were many banks ready to give me the full amount but I promised the employee to go ahead with HSBC BANK. What I want now from HSBC BANK IN DUBAI to give me remain amount was agreed upon. I will never extend to any other bank to buy the loan of this bank as my right since beginning. I will be waiting for the fulfillment of the promise.

I have been maintaining a checking account and saving bank account just to keep some saving aside in HSBC. It was simple account without much transaction. All of sudden without my consent and without any information to me, my account was converted to Premium Checking account which requires minimum balance of $100,000. I never had that balance. Bank deducted $900 since I did not have that balance and on complaining changed my account type but did not refund the money even with continuous follow up for more than 6 month. The worst bank I ever dealt with is 40 yrs of my banking with other institutions.

On two separate occasions, when making a deposit on two separate HSBC ATMs, the first malfunction took place at their Ocean Side branch, in Long Island, NY. This machine took my money, then shut down. I went inside the bank to complain and when I went back to this machine, the money door on this ATM was wide open with my money fully exposed and if someone had used this ATM behind me, my money would have stolen. The 2nd malfunction took place recently on 08/23/14. I made a sizable deposit at 10 PM. This ATM located in Lynbrook Long Island, NY took my deposit, shut down and showed a error message and didn't deposit my money and gave me a blank receipt. I contacted HSBC Security. They claim they made a report of this (I'm not sure if they did or not). Anyway, they also said it would take up 10 business days to expect any help in this matter. I'm still waiting for help. I'm done with this lousy bank. THIS BANK IS A DOG!

1st strike - Earlier this year, I submitted a mortgage payment through my bank's bill pay service. The bank apparently submitted my payment 1 day late, hence, I incurred a late charge. I did not know about this charge until the following month and HSBC was happy to report this to the credit bureau. 2nd strike - I went to pay my mortgage today only to see that I had a shortage of over $600.00 which was added to my statement. They claimed they sent mail about this which I never received. I asked them if this is the way they did business. Obviously, this is how people will subsequently lose their houses. They claimed my taxes and insurance went up. I'm absolutely disgusted with them and they should not be allowed to ripoff Americans anymore.

About a week ago I have lost access to my Internet banking. I had called the help center every day since then. Every time I get a different answer. I was told that a website will be operational within few hours, that I have a problem with my browser, I need to delete cookies, that I have my business account connected to personal account and that it is causing issues and etc. I have automated payments setup, and I can't cancel them unless I login. I am also signed up for paperless option, assuming that I can get info from the Web at any time.

They had absolutely no reason to do that! I always made payments on time and in full. And I've been using the credit cards regularly. And I have been their customer for over 10 years. Bad business.

In Canada, HSBC is canceling all business bank accounts that do less than $3 million worth of business (which means 90% of businesses). I have had my account with HSBC, formally Bank of British Columbia, since 1988. At least I got my letter and they have close my account last week. And I know it wasn't me because they are doing it to all the business accounts here (how stupid of a business plan is that!?). In Canada, the banks are in a very exclusive position where the government doesn't allow new ones. I think if HSBC is not going to serve the business community, then they should lose their banking charter completely in Canada.

I helped my mother apply for an online check account but was denied due to the time that passed. The application was submitted Mach 12 2014. We scanned and sent documentation within a week. On April 15th I received an email requesting a resend of a document with a newer date. Today we call and they say the application has been denied due to time lapsed. During this ordeal, every time I had sent an email to the contact, I had to send another email within 2 or 3 days to request answers. This happened about 4 times. This made me waste time and money. I needed to use a service called Global View to transfer money from Mexico to USA during times where dollar exchange was low and missed those opportunities. Thank you.

I got the shock of my life when I logged into my HSBC Indonesia account to see all digits at zero. On calling the customer service, I was informed that HSBC had decided to close down my account for not being profitable enough. They claimed to have informed me via a courier letter on 21st March '14 and again on 4th April '14. The first letter was never received. The second letter received on 14th April (10 days for courier?) while I was away on a business trip so only opened on 24th April but In the meantime HSBC had hastily booted me out! The so-called relationship manager never bothered to reach me. Now she won't reply on mails or pick up my calls. The customer service doesn't apologize for this. They insist sending out a courier is enough to terminate an account of 3 years. Now it's my job to 'apply' and get my money back. Never heard of any bank booting out customers no matter how small. Bad service coupled with Bad Attitude.

Worst bank ever. I received a check from a company for doing online work. This was the first check that I have received from them and I wanted to make sure that it wasn't a scam. I called the bank, which was a freaking joke. No matter what number you call you cannot speak to a live person. I finally found a way after several hours to speak to someone. However even then it was a joke, they didn't understand what I wanted and transferred me to some entirely different company. After calling back and explaining to the person on the line that I just wanted to make sure that the check that I have is from a real account with money in it, I was informed that they cannot do that. WHAT? Why not? I don't want to know how much money is in the account or anything about the account other than does it exist and is there enough to cover the check that I am holding.

HSBC, Household Finance and Beneficial Finance are ripping off the consumers. When asking for a Payoff figure I was forced to realize that everything I'd heard was true. My Mortgage Total has gone down very little over the past 16 years. I pay every other week and the payment is a direct debit from our checking account. There has NEVER been a late payment, never been a return payment for insufficient and there are been no issues whatsoever with our account. Getting the payoff letter I asked for, I see there are "remaining fees and costs" added to the account in the amount of $1,342.85 as well as a much higher principal then should be owed at this point of the loan. When I called I was given the run around by numerous people. The last one is "calling back shortly" since their computers are down suddenly! I am not sure what else we can do. It seems they hold all the coins in this matter and the consumer is just out of luck. If there is something I can do legally, please let me know!

My parents passed away and left me a small monthly stipend as a result of oil and mineral rights they have in the US. I am a US citizen, but I live abroad. That makes receiving small, monthly checks impractical. So, as an HSBC Premier account holder, I requested a US account, thinking that I could have the monies direct deposited into it and then use Global View to transfer money into my UK account as/when desired. Five months. The 10-day application process took five months, and it required me constantly hounding and requesting for updates to get any action. I truly believe that, if I'd just waited for them to contact me, I'd still be waiting.

Took about a week to get an appointment. Being new to the UK, I brought all the required documents with me; proof of residential address, tenancy agreement, passport, proofs of employment and earnings, assets owned in my home country (South Africa). I am already a Premier account holder in another country (Turkey, where I was on an expat assignment) and have about 100k GBP invested with them. On a new expat assignment, I am a newly appointed MD of a 40 year old mid-size UK business, part of a $6b global organization with whom I have a 22 year service record. Confirmed that there are no bits of outstanding information required yet the account cannot get opened. It will take a few weeks with the only reason given being their stringent internal process.

It appears that not only me had this problem, but I feel for the many small businesses that had their accounts in good standing closed like mine. I've had it opened for 3 years until now I also got a letter stating it is to be closed 3 months ago. Yes, I took all the money out as I don't think will wait for them to send me a check after they take my money. I also wrote to the head of business banking in New York about the account closure. There was no response. Called in to their call center, not like that helped. I too will no longer do business with HSBC unless they contact me to reopen my account. Caused so much problems especially when I have an e-commerce linked to the account. This is like discrimination for small businesses that doesn't invest hundreds of thousands into the bank. Well, how on earth we going to make that happen with such business practices.

I run a profitable small business in Vancouver, BC and until recently, had a small business account with HSBC. I have never been overdrawn and have a considerable balance in the account, on which HSBC pays me no interest. I just received a letter stating:

We have made several payment arrangements with Beneficial, they continuously say we are behind thousands of dollars. When I make arrangements with their assigned representative, they change main stream and then send the checks back saying that the arrangement is not sufficient, then I make them again with another agent and it just keeps going on and on. They call more than ten times a day and every day. Once I think our loan arrangement are good, they call to say its not good enough. I have been paying them every two weeks, $2586.00, but I have a court order to only pay $2200.00 and they say that is because I don't have homeowner's insurance which I have submitted many times all the documents to their office several times.

I've been an HSBC customer for about five years or more and I've come to realize - after initiated an external transfer to another account that was rejected - that they've closed my checking and savings account with no communication. Thankfully I didn't have all my $$$ with them otherwise I'd be stranded - as others have indicated. Their customer service, in India, is not helpful and can't provide any details as to why they closed the account. They can't even send me any official notification as to why they chose to close my account.

As I had previous wrote, my brother passed away on 6/15/2013. He had made me beneficiary to a "Term Life Insurance Policy." Soon after my brother had obtained the policy (approximately 3 or 4 months later), he discovered (much to our dismay) that he had cancer. This was an extreme shock. Other than quickly losing weight, my brother felt very well. For the next year and 3 or 4 months, my brother (valiantly) battled his cancer. Sadly, my brother succumbed and passed peacefully, at home. My heart was broken... I lost my best friend. Shortly after my brother's death, I submitted my claim to HSBC. As I had stated in my previous post, my brother died before the 2 year "contestable period" had passed. So, I understood that there would be an investigation.

HSBC is worst bank in the world. What they have done to me is reprehensible. After assuring me that my accounts were in right standing back in October they have just this week, almost two months later, closed all of my accounts with no communication, no reason and no notice. I have absolutely no access to any of my funds at this moment and have been informed that I can expect a check for the amounts in my accounts several days from now. HSBC has also resulted in my credit card being frozen. After making my monthly payment last week, HSBC as part of the process of closing my accounts, retracted the payment to my credit card company. As a result, I am unable to pay for anything using this credit card and currently I have only .29 cents in my wallet.

HSBC foreclosed on my same home three times. First two foreclosures were dismissed, no reason why. The first foreclosure, HSBC did not follow court procedures. I guess HSBC is big enough, they can override the legal system! Like loaning money out for weapons. The third foreclosure, had three motion hearings. The third motion hearing they took my home! During my foreclosure process, I had a hardship program with HSBC, that was set up between HSBC and myself. Acorn did the mediation and set up the contract. It cost me $1000.00 to activate this hardship prog. It was a 6-month program, in my fourth month HSBC started returning my payments. They said I wasn't making all my payments. That was incorrect! But they said if I wanted to make voluntary payments, they would accept that. HSBC is so funny! They had no records of my contract! But, yet they said I didn't follow our contract!

I needed a new cheque book. I called in on the phone banking and placed a request for a new cheque book on the automated IVR system. The system gave a confirmation that the request was accepted. On not receiving a cheque book for more than 2 weeks, I called up the customer service to check the status. I was told there was no request made for a cheque book. Though I was very surprised, I asked the executive to take down my request for a cheque book. This was done with verification of my mailing address and a service request no. was given to me. When I still did not receive a cheque book for the next 2 weeks, I called the customer service again. This time I was told that the request was not processed as my address was on hold. I could not get any explanation on how my address was put on hold and why this was not informed to me.

I got an unexpected problem. It happened in Indonesia, my home country. My wallet was stolen. One of the lost things inside my wallet is my HSBC Credit Card. When I realized my wallet was stolen, I was starting to call my sister to pick me from train station and called HSBC customer center to freeze my credit card account. Apparently, the thief has used my HSBC Credit card to purchase some goods such as television, shoes, etc. amounted around USD 1000. I have repeatedly called HSBC to explain that those transaction are illegal, do not have my authorization.

I rang HSBC Australia general customer phone number to resolve my issues. Every operator I rang to make sure what documents I had to prepare told me different details and as I have sent whatever required, always something was missing so I had to send again. Also the way I can send was using through normal post because the address is PO BOX, so the registered mail cannot be used. That takes maximum 2 weeks to be delivered and sometimes it takes more. Because of this uncertainty of deliverance, I constantly rang up if my documents has been already arrived and went to the next step, operators' answers were always they will call me back. But I have no phone call back. It happens twice.

I've had a small business checking account with HSBC for nearly 10 years. On Friday, they closed my account without any notice to me. They said they tried to send me a letter and it got returned, but then made no further attempt to contact me. To add insult to injury, they then issued a check for the remaining balance on my account AND SENT IT TO THE SAME ADDRESS. This is a business banking account and they have a massive disservice in cutting off my banking account the way they did. I never write reviews, but HSBC is the worst bank I have ever worked with. There are too many other options out there to ever go with them. The most unprofessional practices I have ever seen.

My brother passed away on June 15, 2013. He had made me beneficiary of a Term Life Insurance policy that he had taken out (approximately) 1 year and 8 months prior to his death. Once I put in my claim, I understood that due to the policy being under 2 years old, there would be an investigation. It's going on 5 months since I put in a claim. I have been honest and forthright with providing ALL information and documentation - this was a time consuming and emotionally exhausting process.

We opened personal and business premier accounts with HSBC in Manhattan. 4 months later and we still had no business relationship manager, no PINs, no checks and no cards. Apparently the relationship manager who was dealing with our accounts quit, and no-one was assigned to our account after that. Pathetic service. I would strongly urge everyone to avoid this bank. When things go wrong, they are impossible to sort out without going through your relationship manager. And if you have no relationship manager? HSBC leaves you hanging. At least Chase or Bank of America can issue you cards and a PIN in branch, so the account can be used right away. You have to wait weeks for everything to come through the post with HSBC. That's if someone at HSBC actually bothers to order everything in the first place.

I made HSBC account in Australia, but I currently live in Indonesia. Recently, I noticed that I could not access my internet banking, so I called to HSBC AU. They said they have sent me a new device to log on. The date that they sent was on 27th Aug. Now, 10th Oct, and still not with me. They told me that after 30days of issuing the new device, the old one is not active any more. Which I did not even know when they sent it, and when would be the due for my old device. I asked to send another one, but the problem is that they said they cannot track down or take care of anything after sending it.

HSBC took over from Midland Bank (much to my chagrin) some years ago, but as the branch was local, I remained. Then recently, they closed the branch, so I now have a long journey to the nearest branch. At the very start of this year, my account had £140 stolen by 2 rip-off companies (Redsavepass.com and "Which" magazine) without my authority/permission. When I requested HSBC to recover the money they did not do so. The financial ombudsman found in my favor. HSBC then stopped communicating with the ombudsman. What a bunch of **!!!

I have had a similar experience to what one of the other authors wrote. I have been both a business customer and an individual customer, and recently went through a move where my debit cards and key fob were misplaced and believed stolen but later located. It took me months to get someone at the bank to help me get new debit cards orders and the fob replaced, during which time I was unable to use the accounts. I spent many long hours on the phone asking for help and also made a two hour visit down to the branch. I finally got the situation resolved and discovered this week that all of my accounts - checking and credit - were closed, rendering a pending electronic deposit lost in cyberspace that I'm still trying to track down. I had allowed the credit card to roll over once without paying it in full - that was it.

Today, I went to the HSBC at 4201 Avenue D, Brooklyn, NY 11203 to withdraw cash to run some errands. When I arrived, I was informed that my account had been closed. In May 2013, I was asked to bring in more documents to support my identity according to some government office that supposedly monitors bank activity. My account is over 25 years old so I felt as though this made sense. All documents were handed in and I was assured that my account would remain functional. To my surprise, today Sept 17, 2013, my bank account has already been closed and according to Ms. ** the check for the remaining balance has been sent out.

Hi everyone: Just wanted to share my experience with HSBC. Although I'm a premier customer: they don't allow you to do anything without your relationship manager being involved, even though you're 100 KM away from where your relationship manager sits. They deduct charges at their will. While opening up the account they mentioned that they'll waive the transfer charge (especially when it's an inbound transfer i.e. HSBC is receiving money and NOT transferring out.)

I'm a customer at HSBC Egypt. On Sunday, July 11th, 2013, I called HSBC hotline asking for the fees of a renewal of my current Debit card. They told me I will pay 40le and my current card will be suspended for 5 working days. I assured to them that I cannot afford 5 days without my debit card and I do not want this service. After that they deducted the amount from my balance. I called them asking for what happen. They claimed that it was happen by mistake and my money will be refunded shortly.

Closing a Checking Account with a credit line with HSBC - 4 weeks and 15 calls to an 800 number. I even took a trip to one of their branches. 35 mins away from my home. And NOW, My credit line that I over paid is now taking interest. That I am supposed to pay. The checking account is still not closed. There answer to having a problem that can't be resolved in 8 weeks is to call another country. I am more than Angry. What can I do to get away from this bank without me getting sick over it?

HSBC harassed me for a credit card value of 300 dollars which they were supposed to acquire due to a fault from their side. They repeatedly call me dozens of times a day when I have requested them not to call me & look for the complaint letters forwarded to them requesting to rectify their error. They are the cruelest bank in this world undoubtedly. Not only are they cruel, but also they're very ignorant & unkind. I asked all my friends & family members to remove their accounts from HSBC. I ask you too.

HSBC is very unprofessional and needs to teach their tellers about maintaining confidentiality. I visited their location in Bronx, NY and had a bad experience that resulted in me having to terminate my ongoing business with my account. The teller was very rude and refused to assist me in making a deposit and the loan officer wasn't helpful either. The ATMs were both down on the day of my visit and the teller refused to accept my deposit at the window because she said I had an online banking account, which is nonsense considering the fact that it is still the same company and since it was their negligence for the ATM being down, they should have accommodated me and taken care of my transaction at the window. On top of that, the teller was reading my account number out loud to me instead of writing it down on paper and handing it over to me. People waiting in line behind me can hear her say my account number which should never have been read to begin with. HSBC doesn't protect their customer confidentiality and I will never do business with them again and they should be closed down for good!

In 2005, I applied for 0% loan from HSBC, through H&R Block to pay my 2004 taxes, roughly $6800. I paid the bill in full upon receiving the 2nd of three bills. Coincidentally, I received the 2nd bill in less than 3 days of the due date; I believe I received it the day before it was due. HSBC then sent me a bill of $400 plus in interest saying that I did not pay the bill in time. I called to dispute the charges, & they said I would need to fax in my dispute, which I did. In the end, they denied my dispute & I denied their charges. Since then, they have been putting negative feedback on my credit report, but it should be ending soon & my credit score is still somewhere above 740. I really feel they were trying to use the Law to extort money from me with the threat of attacking my credit score. The bad part is they were right. How many people paid the extortion fees? Or, how many people did they damage or ruin their credit?

I have been a customer of HSBC since the GFC, and wow what an unethical organization this is. It may be legally correct at the strict interpretation of contract law but when the contract is written into many tens of pages, how can the ordinary consumer digest or even have the opportunity to rewrite the terms? Consensus ad idem only exists in the theory of legal texts! I can truly understand how the HSBC was fined over $1.4 billion in the USA for its recent (2012) illegal and unethical conduct. I only hope that the Australian authorities are monitoring this organization as I sincerely hope that the HSBC has not imported its dubious conduct and track record into Australian society.

My client applied for a BG to insure to the Building division where she lives, and the credit dept of HSBC Kowloon replied with the attached letter with no ref, not a real letterhead but a copied one, no signature of bank officer or bank stamp. My client is a Premier account holder with a balance of over 5 Million, has a compliance officer, I feel the bank has written a fraud letter using copy bank letterhead.

I'm truly starting to think that this bank is an absolute joke. We have been waiting on a short-sale approval from this bank for over 6 months! All information was completed and submitted by the sellers months ago and we are the best qualified buyer they could ask for (with 20% down payment and credit scores of 800) but yet the HSBC loan negotiator cannot return phone calls or emails from our realtor! She casually requests a BPO and then another and then weeks go by and no response. I've never seen something so frustrating and ridiculous. There is no supervisor to contact and no response, just totally at the mercy of an inefficient bank and process. I certainly will never bank with these people.

I have been trying to get HSBC to close my checking account (and keep it closed) for almost a year. When I closed the account, I asked if anything could trigger it to reopen (in case I had overlooked an auto debit when I switched everything to my new bank). It turns out I did, and HSBC reopened my account without telling me and hit me with tons of overdraft fees that I had to fight to get them to remove.

Everything I have read about HSBC on here is true! I even had a lawyer review my loan mod documents and said I qualify. However, I do not have enough money for a lawyer to fight them! They will not even give you an accurate reason for why you are denied. Trying to speak to an actual person is like pulling teeth and when you do, they tell you, "Oh, we've lost your documents, give us 4-6 more weeks," every excuse they can think of. Then they just deny you and tell you you make too much money and do not meet their parameters. Explain to me how I was approved for 2 1/2 years.

HSBC gave me a lot of headaches and problems. It agreed to lend the loan to me, then I paid the entire fee for the loan. But later, the bank refused to continue the agreement to lend the loan to me. Even all of the fee which I paid for the loan, they rejected to refund to me. Right now, I have gone into a financial problem. I hope that HSBC could change. It should be humane in its business.

HSBC bought out our previous mortgage company; we didn't choose them. My husband and I are currently going through a financial setback and contacted HSBC to lower the interest and payments. We were approved for a modification and lo and behold, our payment amount almost doubled. What the hell is that? We are suffering from a financial hardship and they are not working with us to resolve the problem. Instead, we are being forced into foreclosure. We have complied with everything they asked us for. All the necessary paperwork was sent to them as asked and now they want more money. I don't understand how this is legal.

HSBC is a very bad bank to deal with. They will not work with mortgage holders who are having a difficult time. Also because they are not backed by Freddie Mac or Fannie Mae, they do not have to participate in mortgage relief programs. Yet this week, they were fined millions of dollars for funding drug cartels internationally. Where is the justice and when is the government going to help its citizens that are held captive by this deplorable so-called banking institution? Where can we go for help? Thank you.

My wallet containing my HSBC Canada card was lost in Italy. I am touring in Europe (as part of my work) and was eventually able to persuade HSBC Canada to send me a new card and PIN, to an address in the UK, so they could be forwarded to me in Germany. I just received both. However, after several attempts at various different banks in Germany, the PIN doesn't work. Upon calling the customer service line, I was requested by the automated system to enter the information on the front of the card. This was also not recognized. I was then informed by customer service that I need to visit my HSBC branch in Canada in order to have the PIN changed. However, as I explained in my first contact with HSBC Canada, I won't be back in Canada until February of 2013.

HSBC has the most terrible customer service in the entire world! I've never encountered such ridiculous phone system. It is a pain in the butt to use, no help and downright stupid! My ATM card was cancelled back in February. I received no notice about it and have no recollection of the request to cancel. I called up the customer service and spent one solid hour with them to request for a new card! It's a pain to call the 1800 number and have to navigate through their maze of numbers to get to speak to a person, that is after waiting for 20 minutes for someone to pick up the phone. After that, they told me I'm in the wrong department to handle my problems and I should be routed to two different departments.

Yesterday was the third occurrence in the HSBC Bank - Utopia Parkway, 189th Street and Northern Blvd. First one, over the summer, we brought a US treasury bond in to be redeemed, and the bank refused to redeem it based on "identity issue". It’s the Law. Second time, late summer, deposit was made and the incorrect amount was deposited. When realized, it was brought to the attention of the bank manager and the teller, and correction was made - gross banking error. Third occurrence, yesterday, bank refused to open a JT account for myself and my daughter based on an "identity issue" again. Manager was in the bank and refused to see me. Platform clerk stated I need to make an appointment on Mondays only. I have been a Premier Customer for 25 years and have never encountered such deplorable customer service in my life. This branch practices race discrimination as evident with my own experiences, along with other observations by me towards "certain” clients. This discrimination is obvious, apparent, and against the law. I know that HSBC is having many problems and issues lately. This particular branch should be sanctioned and closed.

I get bad customer service no matter what. I fell behind due to lack of hours at work because of the economy forever changing. I explained that to customer service rep and they stated, "We can help you get back on track to make a payment and we will do what we can to waive late fees." Well, as soon as you make a payment, they don't hold up to the end of the deal. I called back in and explained all over again. They instantly said they never heard of such, instantly call you a liar. I explained to them that I will post a review about bad customer service and write to the owner. They didn't care one bit about resolving the problems. Why are they in business?!

Two checking accounts and one savings account were closed without notice – I was notified by someone I'd written a check to that it had bounced, and the reason was "account closed". I contacted the bank which said that my photo ID had expired; and they asked me to come to the branch with updated photo ID and a copy of a credit card, which I did. At the bank, the officer referred to checks. It turned out the bank had closed all accounts, emptied the monies, drew checks for the balances, and sent 3 separate checks to my PO box 6 days ago, which I had not received. They said a letter had been mailed to me advising me of the closure.

I've used HSBC for about 8 years with no problems. Then this weekend, my debit card stopped working. I called up customer service to learn that the branch I opened my account at had been sold to another bank without my knowledge. Now my money is at a completely different bank six hours away from where I live, and I never received account info, debit card, etc. for this new account. This means that all the money I've worked for in my life is just in limbo. They might as well have withdrawn all my money and burned it. This new bank doesn't have customer service hours on the weekend, so I have $0 to my name until I can sort this out, take my money out of the new bank my account was sold to, and then start up a new account at a respectable bank.

I am seriously angry. Every single time I call customer service, I am placed on hold for at least 20 minutes (that's the shortest time usually). Now, I'm getting really angry because it happens every time. Today, I only needed to get my security password reset and well, wow exactly 62 minutes to deal with that. Well done HSBC! First, I was in line for 23 minutes then I got kicked out. Then I had to redial and then I was waiting for another 20 minutes until the representative finally picked up the phone. Then after answering, I don't know how many security questions she told me she needs to transfer me. Are you seriously kidding me? So I was placed on hold again and after 10 minutes, a competent person picked up. It took a total of 62 minutes to reset my password. Wow, how long will it take when I have a real issue? I’m very unhappy and I don't know why I am still dealing with this crap as it was not the first time this happened!

I received an unprofessional service from an account opening officer, Mr. Jose **, who works at HSBC International Banking Center. Last year, Hong Kong Government announced that anyone who resides overseas and has a valid HKID card can receive $6,000 HKD from the Hong Kong government. The only way to receive the check from the government is to submit an application to HSBC in order to open a Hong Kong banking. Thus, I submitted the application on Feb. 22, 2012. Waiting for a month, I did not hear anything from the officer. Therefore, I contacted the HSBC on March 25, 2012. They notified me that I need to send a consent form, a $200 USD check and a document to verify my address. Thus, I brought those information to a local branch of HSBC in San Diego on March 31, 2012.

Someone has just accessed my card and I can't even get customer service to assist me. I just spoke to an agent, Ms. ** (**), who continued to inundate me with verification question after verification question. After multiple frustrating questions, she still refused to assist me. I then asked for a supervisor and she refused my request. So as a conclusion, someone still has access to my bank information and I have no control. Who would ever want to bank with HSBC ever again? I also have an account with TD Bank and they have always been accommodating.

I put my card in and asked for $480.00. Your ATM didn’t have the funds, but my account was debited for the money. I never received the $480.00 and a receipt that said it’s not complete. Yet HSBC debited $480.00 from my account. Now, I have to wait for an investigation. This is disgraceful and unprofessional banking.

We need to compile and review tax documents for 4 years. We moved at HSBC's insistence to online banking 4 years ago, after 30 plus years of doing a detailed register for checking. We listed utilities, expenses, repairs, etc. in our register. Online banking no longer requires this because you could access your payees and payment history. When they converted to First Niagara, they failed to tell us these past payments would no longer be available except by going through each statement, for every year, and pulling out individual payments. Our accountant has given us an estimate of $4,500 to complete this process.

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.

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.

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.

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.

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.

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.