HSBC Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

"So far, these are the many violations that I have found that your company has violated. Please note that by verifying this information to the credit reporting agencies you have basically stated that everything you reported you knowing voided the following:

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

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

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

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

"LHR has violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an factoring account installment 1 month term to deceive current and potential creditors and to negatively impact my credit scores. Now if LHR is wondering why they are violating this, I will be happy to explain. By reporting the account as above it appears on all credit reports not as a collection but as an installment loan in which it notes that I am currently past 180 days on. An installment account other than a mortgage takes a more dramatic hit on credit scores than a collection account. Collection agencies are supposed to report as collection accounts. "In the letter from LHR they also stated that they never reported the information to any other credit reporting agencies outside of Experian. I disputed the trade line multiple times with Transunion which LHR verified as correct. The account balance on Transunion is different than on Experian credit report. In the letter LHR provided they stated that the balance difference came from interest. Since LHR in the past have never provided me with any proof that they were assigned the debt outside of what was stated on the letter they gave I have never been given any proof of the account transactions and how interest would have been calculated on this debt. Since I asked LHR for proof and in the letter it is just because I said so. We are charging you interest.

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

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

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

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

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

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

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

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

What balance, when my account was paid in full? Therefore, I ignored their forthcoming invoices up since, when I decided to call them and informed them about my disappointment. They were not the only ones I had made my full balance payments (say, I paid all my credit cards in full at the same time. You have a way to check this out). With the exception of The Home Depot, who were also trying to charge me for interest, they waived the $35.00charge then and no one else has charged me anything thereafter except for them.

I have told them over the phone when they called me that I refuse to pay them. I believe the bill on interests is about $300 or so by now, I don't bother to even open the bills. I would like to have someone help me on this matter or suggest what I should do and have this matter resolved once and for all. I retired in May of 2009 and this is why I paid off all my bills as my monthly salary does not allow to keep on paying bills anymore. There is only one salary in this household.

This reminds me of when HSBC hiked up my interest rate on my same credit card by approximately 6%. I immediately called to question this and they claim to have sent notice 3 months prior to this. I did not receive any such notice. I asked the customer service rep if there was anything that could be done to lower my rate, he said no.

I have been a loyal HSBC customer since 1991 and have never paid late on my credit card or mortgage! This is a poor way to treat a good customer. There is no physical damage, but economically, I have to pay more interest (double than what it was) which means taking longer to pay off balances. The only way to avoid these changes are to refuse the changes which leaves the card unusable forever.

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

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

Now, they requested a copy of the 1099 which I again faxed over with another current copy of my husband's pay stubs and again denied. The next representative told me they needed a profit and loss to accompany the 1099, so I once again faxed this information and as of today's date they stated they didn't receive the documents. It is nearly 5 months later and no one from HSBC ever bothers to contact me to let me know the status of this loan modification.

They insist on the mortgage being current in order to even process the loan modification papers. In addition, not one of the reps were able to provide me with the proper documentation needed to expedite this matter. The lack of information and cooperation on HSBC's part is causing stress and worry. This matter needs to be rectified immediately! Our situation has changed since obtaining this mortgage and HSBC is a nightmare to deal with. Our current mortgage payment is 56% of our monthly which is almost twice the guideline in NY. We are an average family with 5 children and are not looking to lose our home. HSBC is taking full advantage of our situation. Please help. Thank you in advance. The lack of information and cooperation on HSBC's part is causing stress and worry. This matter needs to be rectified immediately!

April 28 I received another letter. Dispute number C100422043266 had been released and that the charge and any applicable fees would be added to my bill. Now hear this, never do I want my phone calls to a USA number transferred to a foreign country without my approval. I want someone to get this stupid situation fixed. 2 complaint numbers and 2 letters? I will be contacted by an American that speaks English soon, or the next time you hear from me will be through my attorney. This is a simple situation that has now turned stupid. You transferred my call to a USA number to a foreign country without permission and that idiot turned it into 2 complaint numbers. Get it fixed."

A simple double swipe of my credit card could have easily been fixed. Now I have 2 complaints to deal with, the HSBC phone is always answered in India and I cannot for the life of me get any of those people to understand what the problem is.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I have tried to speak to HSBC regarding a home equity loan that was under my father's name. I was told I need a power of attorney, which stops at death; I was then told by HSBC that I have to redo the probate because the probate was done under the Marine Midland/Fleet Bank name. I never get to talk to the same person twice. When they call, me they will not give you a name. When they do call and I cannot take the call, they never leave a message or even call back number.

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

When I do get home, HSBC calls me over seven times a day, which anything over the five times a day in the state of NY is considered harassment. HSBC has contacted my neighbors regarding this account trying to find out about my father, but they will not talk to me. When I go into the bank to make my payment, I get the third degree. I do not want the home equity loan to be turned over to me so I can use it. I only want to pay it off and get out from under it. HSBC is making that impossible to do. I do not have the money to pay it outright and I do not want to refinance.

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

I called them back requesting to cancel my account protection and stop charging me the fee immediately. The reason was: HSBC never complied with their "welcoming" promises and I never got the gift card. I made about 3 attempts within 3 months to cancel the protection account on my HSBC card (every time I wrote people's name, date and ID number because that's all they were willing to provide as a cancellation reference). Nevertheless, my protection account is still active and the fee (protection account fee and minimum finance charge) has been taken from my credit card account despite the fact that there's almost no balance in it. If someone knows how I and other people like me in this situation can be protected from the HSBC monster, many thanks if you'll let me know.

Again, it was a very disappointing service from customer service. Upon calling the number stated, I was shocked to hear that this is not customer service center but a call center and I was transferred to another extension where nobody bothered to attend my call on a number of attempts. When I sent an email to Customer Support and desired service desk, I was replied with a 10 days notice. Now, I am stuck with all my money held in the bank.

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

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

The way I see it now, I should have paid my other bills and let my mortgage go and maybe they would have helped. Or, when everyone else sues me and they start taking my wages, I won't be able to make my house payments. I could either re-apply when I am behind, hire a modification lawyer or file bankruptcy! Any suggestions?

They wrote back saying that they will not take the late fees off, that my payment is due by the 28th of each month. I have had the TV for 6 months and have paid six payments, the last being paid on 12/2/2009 for the December 28th payment. But they have me scheduled for another payment on 12/28/2009 and will tack on another late fee if I don't pay another payment by that time. I don't understand how they can figure that I am paying late especially when I have all receipts of payments made. They are tacking on an additional $39.00 every month for late charge assessments and refuse to take them off.

I feel like HSBC doesn't take their time looking into things at all. This is very upsetting to me. The economy these days is horrible and I don't have money to take out of my pocket to pay for this. I want my money back ASAP. There has to be someone I can talk to there that cares. A lot of the people that work there aren't very nice and don't care what you have to say. Please get back to me as soon as possible. Thank you.

I have been making my payments via web pay through my financial institute on or before the 25th of each month. I recently pulled my credit report. HSBC reported a high balance that exceeded my limit of $500. I was furious. I called HSBC today and found out that the payments made were eaten up in late charges. I requested a refund and was denied. So this is the source of my complaint. HSBC is the first creditor I have encountered who advertised deferred billing and yet a monthly payment is still required. This purchase have scarred my credit and cost me $100 in late fees. Only $20 of the $125 payments made was applied to the actual purchase. Your assistance in resolving this matter would be greatly appreciated.

I put the complaint in the call center immediately and filed it under number **. The purpose of this current complaint is that ** refused to file not the above mentioned transaction but that this machine’s performance is not acceptable to me as it did not send me a message about the maximum limit and it took my account card and mistakenly debited my account. The customer complaint member refused to file it after he had discussed it with his supervisor, **. When I asked for the supervisor to talk with him, Mr. ** advised that he could not file the complaint as he saw that the machine worked properly despite the problems I faced. He gave me lessons on how to deal with ATMs and relevant maintenance and that this problem was very normal due to my fault as I asked to withdraw more than the machine limit.

Despite the inconvenience I faced in 2 successive transactions in 2 weeks and the possible financial threat of mistaken debit of 6000 LE of my account as I understood from Mr. ** that this problem is normal due to performing a wrong request that could have been unreversed unless I filed the complaint mentioned above - number **.

In the month of December, I had deposited the remaining balance of Rs. 9,000 against the card no. ** instead of card no. ** vide cheque no. ** dated 10/12/08. This is an error on my part. For this, I made several requests to transfer the amount of Rs.9000 to card no. ** which had been wrongly deposited in card no. **. I am very disappointed with services being offered. Nobody is ready to listen or help me out of this situation. Seeing no result, I am being forced to write this letter in hope of an early positive reply and action. I request that you once again please look in to the matter and resolve the issue.

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

At that point, I asked to speak to a manager that could comprehend English. I was transferred to Trimel. Trimel provided instructions to obtain the claim forms from the internet. However, with Trimel on the phone line, we were able to identify their website was down and claim forms were not available. Trimel advised me to send a letter with the original death certificate and contact information to: Household Life Insurance Company, Attn: Claims, 200 Sommerset Corporate Blvd, Ste 100, PO Box 6985, Bridgewater, NJ 08807 and the fax number for the Claim Department was 908-203-4228.

On August 24, 2009, a letter with the original death certificate and legal documents to verify my identity were mailed to: Household Life Insurance Company, Attn: Claims, 200 Sommerset Corporate Blvd, Ste 100, PO Box 6985, Bridgewater, NJ 08807 and a copy was also faxed to 908-203-4228. Copies of the documents are enclosed. On September 10, 2009, I contacted Selma at 800-627-7282 option 6. Selma transferred me to Suceele at 800-627-7282 option 4. Suceele could not provide any information on the claim, but was able to verify the Claims department had received the documentation. Suceele stated she would have a manager call me since their phones were not working properly. Suceele could not transfer me to another person to verify the status of the claim. I never received a call from a manager.

On October 23, 2009, I contacted Maria at 800-627-7282 option 6. Maria transferred me to Carl in Term Life at 800-323-1317. Carl transferred me to Baree who stated she had received the Notice of Death and a letter to my attention had been sent to ** E. Flamingo Road, Las Vegas, NV. I stated to Baree I had never lived at this address and further more I have lived in Rockford, IL for over fifteen years. Baree then stated the letter would be re-sent to my current address and I should have it in seven to ten business days. I never received the letter. On November 13, 2009, I contacted Evett at 800-323-1317 and described the situation I had encountered with the death claim. Evett transferred me to Neeta at 800-323-1317 extension **. Neeta stated life claims with Alexander Hamilton Life were not her responsibility, but she would do everything she could to assist.

Neeta attempted to transfer me to Christine **, a Claim Specialist, but Christine was not answering her phone. Neeta then stated that Gertprudis ** would contact me with the status of the claim on Tuesday, November 17, 2009. On November 17, 2009, I never received a response from Neeta or Gertprudis. Due to the situations mentioned above, I am placing a formal complaint with the Division of Insurance. As of today, I have not received any correspondence in reference to the death claim proceeds or the surrender of the policy with cash value plus interest. This policy has been in force for twenty-three (23) years. I feel four months are more than enough time to process a death claim.

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

That was ridiculous and unprofessional. Who gives a customer that large amount of money in small bills like that and ignores them? She provided very poor customer service.

On September 1, 2007, I went to Best Buy Store in Beaverton, Oregon - canceled the order and received full refund. On August 28, 2008, the finance charge of $258.33 appeared on the statement. On November 16, 2008, a letter was sent to HSBC/Best Buy requesting full refund of finance charge plus incurred charges to the account for September and October 2008. In December 2008, account was in dispute and cleared of the charge of $1,029.99; however deferred finance charge was not removed. In March 2009, I sent another request to remove deferred finance charge applied in August 2008. It was rejected once again. The finance charges applied are unfair. This is being compounded monthly and should be removed.

I inquired about my GM Card earnings toward a GM vehicle, (current earnings: $4590.09) and the answer I received was not a satisfactory one: "Please keep in mind that any accumulated GM Card earnings must be redeemed within 90 days from the time you opt-out, or they will be forfeited." Since I am currently deployed through May 2010, I will be unable to redeem my GM Card earnings due to military service. I read this is a violation of my rights under the SCRA (Service-members Civil Relief Act of 2003). I have started working with my SJA (Staff Judge Advocate) to ensure that this violation is properly reported, and HSBC is charged with this violation.

In April 09, my job changed, reducing my income 90%. I worked in sales, for 100% commission. With the reduction in earnings, I sought assistance from HSBC to no avail, as they are no longer in the business of auto finance. The total cost for the pre-owned car at sale was $24,990, financed at 18% armortized for 72 months, totaling $49,070.00.

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

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

Then I lost my wallet and needed a replacement bank and credit card. It took more than four weeks to get either and a further two weeks of chasing to get new PINs issued. You see, unlike most banks, HSBC cancel the old arrangements and start again from scratch. With no PIN, the debit card is useless. Six weeks without access to my own funds. Then, when attempting to arrange for a bank draft, I discovered that not only is a new card issued from scratch, all the telephone banking instructions set-up when we moved to Canada are null and void too. Calling to arrange a bank draft resulted in my having to go through all sorts of hoops for them to trace my account and then transfer over the telephone banking rights, and they had to issue a new PIN, which then needed changing and so on.

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

Where is all this help everyone is talking about? There was no reason that HSBC should not have worked with me. I have stable employment and am single. I am absolutely devastated, heartbroken - my faith in humanity and God is done. I can't understand why these crooked scoundrels are allowed to get away with this and put good people on the street. Never open an account with HSBC for any reason whether it is banking, mortgages, credit cards, etc. They are an awful company.

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

This is not typical of me. I usually roll with the punches of life and take what life gives me or what pain I cause myself, but this just rubbed me the wrong way. Be responsible = we don't care, give us more money.

A month went by and now I have another collection letter from a different collection agency for the same bill! I don’t know what to do to get them to stop and correct my credit reports. Please advise me on my options. I sent the first collection company a copy of my letter from the very first collection agency, now I am on agency #3! I am just frustrated that they are able to keep hiring these collectors.

In fact, I was paid in full within 5 years with the Credit Union. I knew this Beneficial deal was bad when I signed on the line, but I had no idea that over a decade later, I would be worse off than when they first helped me. I have had issues with them along the way. The original loan documents they printed for me to sign on day one had different terms listed than what the representative and I had agreed to verbally. I caught that before I signed. They apologized and re-printed the agreement. It was wrong a second time. The third time, they re-drafted and re-printed it. The written terms were what we had talked about and agreed upon. I don't know how they do the math but it is definitely in their favor. I also had an issue with a very unprofessional collector who harassed me at my work place. I told her I could not discuss private matters on my employers line, because they monitor calls and told her I would call her from a private line.

Her response was to get louder and state the amount I was past due and reminded me how many weeks I was late. I don't think they can go into details after you advise you're not on a private line or whatever. Embarrassment seemed to be her intent, but I have no shame left after being an HSBC Beneficial customer. I am raw with emotion over this whole situation. I am trying but I don't know why. They also call my phone several times a day, sometimes 10 to 20 times a day if it is the last few days of the month. I don't blame them for collecting on what is owed but how steep of a price will I have to pay for this unfortunate decision? Will I ever get myself free? I don't believe a court or anyone could help, because I agreed to this when I signed for the loan. It's all legal, I assume.

I was like this is an emergency, my daughter is to pull out and we were counting on that credit card to help her get her stuff finalized. They said it would not be unfroze until the 2nd of October, I could use it. She was leaving on the 30th. I asked if they would even release half of the money available to me and they said no because it was frozen.

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

I realized then that on 1997, I co-signed with this credit card. He then asked about my 401K and other financial history where I can get money to pay him, other credit cards, and savings account. I understood his job. He then stated for me to give him my checking account number. I requested that he put everything in writing then email it to me or let me see a documentation since I've never seen a bill from HSBC. He stated that they are not allowed. I attempted to lower the payment or attempt to tell him if I could make arrangements. He stated, "No, the minimum payment I could do is $600."

This conversation went for 2 hours and him constantly threatening me at work. I've lost 2 hours conversing with him. I got very frustrated, since he wasn't giving me any information on the total amount and he refused to give me his supervisor's name and a phone number by which I can contact him back. Less than 5 minutes later, I received a phone call from his supervisor Dan. It's his direct line. I explained the whole situation and stated the employee "Scott" would be terminated for harassing me at work.

I then called HSBC company at 1800-365-0492, and they told me the total is $2349.53 and the amount due is $590.29 that's due on October 12. I called HSBC on September 23 to request for the collection agency's name and phone number. I was directed to Sherman Financial at 888-665-0374, and they gave me a total of $2564.17. I spoke with a person named Jody, then I was redirected to Integrity Financial Partner at 866-951-2350 where I spoke to a woman and stated my situation. She stated that Scott works with her and that Dan was her supervisor. I didn't speak with anybody there.

The last communication my wife had was with Matthew, a customer representative on 9-10-09, who told my wife in a very negative matter, to sell our home so we can pay our bills. My wife hangs up the phone and refuses to speak to anyone there. We are facing a difficult financial hardship at this moment and we plan on paying our creditors. However, we are struggling at this moment to pay our mortgage and grocery bill. My wife, Brenda, was told by Peter, assumed and tried to convince us it was called in through their automated system. My wife then asked to speak to their supervisor once we were not accepting this information Peter had to offer. We then spoke with Min, who suggested we go to our bank and sign an affidavit form stating we did not authorize that debit of $55.00. My wife then asked for a confirmation number regarding this phone conversation: reference ** and fax # ** was given to us.

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

I have not to date received the requested documents even though they said they would back in August. I have sent them another letter asking for these documents that they seem not to have. I think it is a disgrace that a company with such standards as Century 21 had to have someone so unethical representing them. It is also unethical that they would take advantage of me and I am sure others as well, which is a crime. I am also sure the top executives of this company are in on it as well and I do have their names and titles also. I have not received any of the requested documents to show itemized statement of payment, which should be paid in full and I should receive a refund for overpayment.

On 04/22/2009, I filed the above complaint with BBB, Baltimore, MD case #** requesting: (1) A statement in writing from Teamster Privilege credit card acknowledging my cancellation; (2) removing all charges from that time, including minimum payment $37.00, past due amount $15.00, current payment due $52.00, previous balance $227.04, purchase/debits $31.11 and finance charge $4.69, totaling $262.85; and (3) clear my credit record and/or report that was damaged by their improper handling of my account. On 04/21/2009, the case was closed and transferred to another BBB and received by BBB, Chicago, IL. On 04/22/2009, BBB informed the business of complaint with no response. On 05/04/2009, second notice to business.

On 05/05/2009, the complaint was judged to be invalid - wrong business. On 05/05/2009, case closed as invalid/illegible with new case #**. I did not receive any information from the BBB until I inquired several months later. On 08/05/2009, I reopened the complaint and the business was informed. On 09/15/2009, I received an email from the BBB informing me that HSBC had acknowledged their request to investigate and respond to my complaint, and I would have 10 days to continue or close the complaint. On 09/17/2009, I received a letter from HSBC thanking me for taking time to express my concerns, but did not agree with any part of my complaint.

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

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

I tried to contact Tata AIG, but in vain! Somehow, once, I could reach to them, but after hearing my side, the officer promised to come back on the issue. He never did. Later on, it was difficult to reach the number. The matter still lingered with HSBC by arguing and diverting my attention on the fact that I purchased material on the credit card, which I never used it. I find this has been done deliberately for imposing heavy charges on me. I wrote HSBC Nodle office in this regard. The issue of using card is not there, as this card itself is deactivated for use in the same year 2006 in December. Now the charges are increasing every month and have reached to Rs. 25000 from 330.

In the past, there were so many threatening calls from the Recovery unit of HSBC for money. Due to this, I have suffered from mental tension, high blood pressure, and frustration which ruined my family life as well as the company's reputation. I had written to Nodle officer (Mr. **) of HSBC to investigate the matter and put an end. I had cleared HSBC; my deal is with Tata AIG. So I am liable to pay him, but not to you, as I have not dealt with you. If you have any signed documents of the deal, kindly show me. Only then shall I pay; otherwise, do not send me any statement or else it will force me to take support from a consumer forum. The answer is that verbal tape is sufficient as proof. In spite of this, they are sending me the statements with every increase possible every month.

This is a total casted case of fraudulence, and I hope there will be many such cases that must be suffering due to ignorance since this looks like normal to HSBC and Tata AIG. I hope you will provide help on this issue on urgent basis and curtail illegal activities of promotional offers through verbal. Thanking you in anticipation.

This month, I kept on checking and so last night (9/15/2009), it stated that it had failed again. I called the experts at HSBC mortgage and after talking to the experts and being transferred through 6 people and being hung up on, I called back and they would not do anything for me. I was forced to pay my mortgage through the phone than being charged $20.00 for the service. What I don't understand is that my bank is telling me that HSBC mortgage are not pulling my payment from my account, the experts at HSBC mortgage are telling me that the internet connection is not comparable to the HSBC internet, so they were insisting that I pay the bill on the HSBC mortgage web page.

I tried, with no assistance from the experts at HSBC, to sign up on HSBC mortgage website. When I tried to sign up, it gave me a message that I had signed up on the HSBC web page and I would be getting a temporary username and password, so I called back again. To my surprise, they told me that I had tried to pay my bill on 9/14/2009 and that's why they were sending me a username and password. If they saw I was trying to pay the bill, why didn't they withdraw the payment? My question is if HSBC saw that I was trying to pay a bill, why didn't they accept it? And why didn't HSBC accept my August bill from the Webster web page dated 9/13/2009, but accepted the payment on 9/27/2009? I need explanation because in the last two months, I have paid $45.00 extra because HSBC is not willing to accept my payment through the Webster website.

"As part of our security measures, we regularly screen activities in HSBC Bank system, we recently detect a problem with your account. Because of unusual number of invalid log in attempts on your account, we noticed that there might be some security problem on your account. We have decided to put an extra verification process to ensure your identity and your account are secured. Please follow the instructions as follows by clicking on the button below. Failure to do so will result to your account restriction and use of your online banking. Thanks for your co-operation."

I finally made some headway in July, when I spoke to Vee and she helped me to qualify for their hardship program. She said that I qualified for $36 a month payments for the next 12 months. I was so happy that finally, someone was going to help. Yeah right, now it is September and I am having problems again. I made 2 payments online for $36 each, one in July and one in August. On Sept. 4th, I went online to make my payment for this month (which is going to be for $75), just to find out that I am locked out of my account. So I have now made several phone calls and spoke to 10 people, no one seems to be able to accept my payment. I have been told that I need to wait to speak to the recovery manager. Really? I am trying to make a payment and you are telling me I can't?

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

For two consecutive months, I again paid too early and was charged late fees. I was confused on how this could happen again. That's when they told me I am responsible for knowing I have to pay within the cycle. They took one fee of $30 off and raised my interest from 9.9% to 29.4%. I tried pleading with them. I expressed that paying late would deserve these consequences but in my case, I simply paid too early. They could care less. I closed the account and plan to pay in full so no more interest is charged. I paid this bill on time for years and the first chance they had they took advantage of me. I am a hard worker trying to get my credit right and we all know closing accounts do not look good, but I could not give them anymore free money.

I just received a letter in the mail today that now, they have cancelled my card due to low activity! It has only been a few months that I have not used the card and I received no prior warning that my card would be cancelled. This adversely affects my credit rating and I am furious with this company! I always paid my bills on time and in full and they have done nothing but cause me frustration and headaches.

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

This incident, which is really the car dealership’s fault, has caused a financial hardship due to the fact that we are now delinquent on a vehicle that we don’t even possess (Jeep Grand Cherokee); and we, under distress, sent three car payments to HSBC Auto finance in less than a month and a half. I have proof that the above mentioned payments to HSBC were made via my personal bank and account and HSBC Auto Finance payment history website.

They lost the first payment, it took them almost a month to find it! I have called and called to see if it had been modified. One person said it was denied because I had not sent in my updated info on my job and bank statements, I would have to start all over again! I was furious! I did not know I had to send in the info. The next day, I called again and had to deal with a very rude person by the name of Miss **. She told me no, my loan had not been denied, they were waiting for my updated paperwork. She would not let me get a word in edgewise! I sent the paperwork they wanted on September 1st. I then called again, I asked what sort of payment I should send in and was told nothing, but then she said "Maybe you should send in what I had sent for my trial payment to keep me from foreclosure."

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

If I don't pay my car note on time, my car will be repossessed. I was very surprised because all the other companies I deal with for all my loans and credit cards were all willing to waive all fees and will not hold me responsible for any late payment because I will be overseas. I explained this to HSBC, but they wouldn't budge. They wouldn't even waive the $15.00 fee (fee for phone payments) that I had to pay even though I tried paying online and their system would not allow it. I asked to speak with a manager, Patty **, and again, she said HSBC will not honor anything but 6% for deployed soldiers. I informed her that this is the only company that I have personally dealt with that is not military-friendly and will not protect deployed soldiers. I also went on to state that this is terrible customer service and that their representatives are very rude.

As of today, I regret having a car loan with HSBC and I would advise every military member not to do business with HSBC Auto Finance. Whereas almost every company out there will go out their way to work with deployed soldiers, HSBC would not budge. They wouldn't even waive the $15.00 fee for a phone payment. This is terrible and I do not feel confident having my car loan with this company while I am overseas protecting this country.

So there are 2 transactions in dispute, both transactions were for $20.33. They have been charging finance charges and late fees on this amount and the balance on my card is now $233.02. I have tried calling this bank on many occasions, only to be on hold for 45 minutes or greater. When I have been able to reach someone, I asked for a manager but I was never connected with one. I was told that late fees would not continue to be added to my account, but every month, they add a late fee. What can I do to expedite this investigation and get this credit card balance removed? I am so frustrated with this situation. I closed the account when I reported the fraudulent activity.

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

So far I have lost a month’s pay, have not paid rent for August and risk getting evicted. This has stressed me out so much I'm in even more pain and looking to see a psychologist. I was depressed for a long time because of the pain and stress of the job and had started to get my mental capacity back and now I'm back where I started. I hate this!

The next month, I decided to make a payment of $600.00 to pay off my credit card. A few days later, I checked and everything had gone through okay. A couple of days later, I got online again. I had a fee for insufficient funds in my account and a return check fee of $25.00! I knew the money was in my account so I immediately called my bank and they said that HSBC did not try to get a payment at all from my account and that I needed to contact them again, which I did. HSBC was not cooperative and would not take the ISF charge off of my account. My next payment was due the next day and they said that I had to pay an extra $15 to get the payment posted in time to avoid another $39 fee! So I tried to do that, and then they would not take my payment because I had a returned check on it, when I had plenty of money in there to begin with! This is a horrible company and I will never give them my business again. I was informed by my friends and family to do the same!

I wanted to prepay the loan amount that was permitted without any additional charges, for which I spoke to the representative Ms. ** at Powai branch around the 10th of June 2009. I was told that I would be able to prepay 25% of the sanctioned amount. To this, I informed Ms. ** that I had also prepaid in the month of December 2008 through the call center and at that time, though I was initially informed that I could prepay 25% of the sanctioned amount, I was later informed that I could only prepay 25% of the outstanding amount. I agreed to this at that time and the prepayment was made accordingly. To this, she said that she would confirm with her senior and after doing so, confirmed that it is 25% of the sanctioned amount. So, I agreed to pay Rs 250,000, which was debited from my account. On the same day, I had also made a request for my monthly EMIs to remain the same as before (i.e. Rs 47,425). The amount had reduced due to reduction in interest rate.

On June 18, 2009, I received a statement on prepayment where a prepayment charge of Rs 6,599/- was applied. To this, I immediately contacted the bank call center and bank representative. My story of repeated bank visits and reminders had started since then. Since the 18th of June 2009, Ms. ** has been giving me a time frame of 2 days and continuously extending. From 2 days, she took the time frame of 5 days by saying that the matter would be sorted out by the weekend. When I saw things were not moving forward, I gave a call to the call center, giving details of whatever happened and also giving the name of the bank representative. I was told then that the bank representative would give me a call back, but that never happened when it was supposed to.

When I received my monthly deduction statement in the month of July 2009, I was surprised to see that there was an EMI deduction of only Rs 31,935, though I had made a request for keeping the EMIs same as when the loan account was started, more than a month before (i.e. when I had done the prepayment). I contacted the bank once again and at that time, Ms. ** asked me whether I had given the application for keeping the EMIs unchanged. This question was raised despite the fact that Ms. ** had herself written the application for me, mentioning the amount of Rs 47,425. On July 23, 2009, I received an SMS from the bank representative Ms. **, stating that the penalty waiver would be effective by the 25th of July 2009 for sure, the proof of which I have till date.

Even after this, I made many visits to the bank and spoke to the representative, getting promises that the matter would be sorted out by the end of the week. Sometimes I would return back because the waiting period would be so long that my other more important work would get affected. On the 12th of August 2009, I spoke to Mr. **, associate Vice President Customer Service (Personal Financial Services) in the presence of Ms. ** about the situation. I was promised by him that he would chase it up and get back to me in the evening. I never received the call. When I received the EMI deduction statement in the month of August, I found that the deduction was still not what it was supposed to be. There was a deduction of Rs 44,237, whereas it was supposed to be Rs 47,425. On one hand, I am trying to close the loan account as soon as possible, but the bank is just delaying it.

On August 17, 2009, I gave a call to Mr. ** in the morning, to which he said he would give a call back in 5 minutes and I ultimately received a call from him in the evening. He politely said that due to rush in the bank, he was unable to call back in the time frame. He, however, said that he has taken the matter up forward and will get back to me the next day, the 18th. Today is the 21st of August, surprisingly for Mr. **, 18th of August 2009 has still not arrived. I just wonder on what basis do the bank representatives give a time frame. From whatever experience I have had, it just seems that they give a time frame to make the customer feel happy at that time and shoo away the customer from the branch so that the grievance posed by the customer is not heard by other customers.

This above experience is just one of the bitter experiences I have had with the bank and I am in no way going to accept the penalty for no fault of mine. In fact, I am even considering suing the bank for the torture I have had to go through and the amount of valuable time and efforts I have had to spend on this simple matter, which has all occurred due to misinformation given by the bank representative. I am looking forward to seeing that this matter getting resolved and the amount being credited back into my account within a week from now since this saga has already been going on for over 2 months. After my banking experience with HSBC, I feel that the more appropriate full form would be Harassment and Sly Banking Corporation.

I made my payments the next few months then noticed a late charge of $39. I called the company. The payment was mailed 7 days before it was due. They did not receive it on time. All my other bills were mailed on the same day and cleared w/in 5 days, some, a few states away. HSBC is in the state I live. I was told I should pay it at least 10 days before the due date. I explained that I hadn't even received my bill 10 days before it was due. They said they could not help the mail service. After arguing, they removed the charge. I decided to pay online to avoid any future issues. I paid three months in a row online and received statements in the mail. Every month, the statements were received a few days before the advised mailing date.

In the beginning of July, I thought I hadn't seen a statement yet for June. I got online and it said I had a late fee of $39. I never received a June statement. I was told that when I started paying online, I gave up paper statements and agreed to receive them electronically. They were never received in my email. Once again, a phone call. They refused to remove the $39 charge because they had already done it four months earlier. I told them I wanted a statement mailed to me every month because I did not trust them. They agreed to start mailing them again.

I marked my calendar to pay online every month on the 15th to make sure this doesn't happen again. This month, I didn't even receive the statement in the mail until the 18th. The recommended mailing date is the 20th. Lucky for me, I had already paid online or I would have had another late charge. This company is a bunch of crooks. They hold payments and apply them after the due date. I have never had an issue with any other credit card company like this. I will never use this company again. What they are doing has got to be illegal.

They pretend to have a global advantage but really they have absolutely nothing. It's the only thing they can say about themselves because they are inferior to the other big 5 banks in every aspect. Their track record globally is atrocious. Look at their mutual funds performance. Yikes! Come to think of it, HSBC Securities Canada is just a slapped together motley crew formed by prior failed independent dinky brokerages. They have no proper trade desk or analyst department! Just a couple of washed up advisors praying for the cheesy bankers to send them clients in return for the hockey games and lunches they send them to with your commissions.

I was told rudely that I was flat out wrong about their credit card policies when they charged me an annual fee on a "no annual fee" card. I was left completely unsatisfied and rudely dealt with by someone that sounded like they were speaking gibberish with their mouth full of food. The manager talked to me like I was a child and talked down on me in that dreaded fashion that we have all come to recognize as typical old fashioned stuck up banker behavior. I swear they have the worst case of small paycheck syndrome out of all the banks in this country, and that is saying a lot since their peer group doesn't have a great reputation to begin with. The list of complaints goes on and on.

They will never do well in this country because of their stuck up attitude and complete inability to understand North American customer service. They boast about their global reach and international expertise but really that is absolutely worthless. I have an easier time traveling with my TD account than I do with crappy HSBC. The only thing they are doing on a global scale is disappointing customers and ripping people off. I hope their financial results don't have a global reach because they are completely floundering in Canada and the US and losing themselves a ton of money annually in the process. Keep it up guys. Moores would not be in business without you.

A little more than a year ago, we opened this bank account for the sole purpose of transferring money from my HSBC bank account to this account to buy a home. We were successful in buying a home but unsuccessful in establishing a banking relationship with your bank. When we went in person to the bank, your asst manager, Francis **, and Parveen were unable to refund the money to our account and the only option they could give us was a one month refund, and they said, "You will be charged another fee this month as you do not meet our balance of $5000."

Now, we could have put in $5000 but we chose to close our account because they did not show any empathy or compassion. Obviously, they do not care for their customers and if they are the kind of staff you pride yourselves in having, then I don't think we are far from seeing you following the other banks into bankruptcy soon. We never received any statements from your back, or do you think we would have waited seven months to complain?

Due to this miserable experience, we plan on telling the media about this branch. While we were closing our account, we learned that this bank caters to black money from the Chinese while not bothering about the people with real white money, as you can see from our experience. If we do not get the refund, we will also threaten a lawsuit as we feel we have been mistreated with your unethical and unfair business practices.

When I first opened my Midland bank account in Norwich, UK while in the university in UK more than 10 years ago, I would have never guessed such a welcoming bank would turn out to become a bank which does not care about its customers. I am very upset & disappointed.

Everything was fine until the representative mentioned that I had a late fee of $36. Since I did not get my bill that month, I found it unreasonable to pay $36 for a problem that was not my fault or was not within my control. I asked the lady to waive the fee and she said that I had already asked for it once before. This was my first time calling so it was not possible. Eventually, she backed up and said that I did qualify. Then, she changed her mind and told me that I did not qualify since I still had a balance. I told her that I will then pay the balance. They said okay, but then she changed her mind again. Apparently, there is only a 2-day grace period and she told me I still have to pay the late fee for next month.

I asked to speak to a manager and at this point, Leon came in the line and introduced himself as the floor manger. I explained the situation about only receiving one bill from them on the last 3 months. He said that they could not verify mail problem so he could not waive my fee. After explaining back and forth that I am a good customer and under no circumstance am I taking advantage of your system, he decided to meet me half way.

I found this to be an extreme insult to my intelligence, and I am an Aerospace Engineer, so it takes a lot to insult my intelligence. I told him that I will not pay the late fee because it found it to be unreasonable and unfair. I even offered to pay off the whole balance, but he would still not waive the fee. I believe that to be extremely low and shallow behavior that requires urgent attention of your part.

When a person offers to pay the whole balance of an account and the manager refused to waive a fee at the loss of $36 in late fees, it seems that there is something wrong with either the company, procedure, or this employee. I reiterated that if the fee was not waived, I would not pay on this account anymore. I would initiate protective measure through the 3 credit bureaus, place a complaint with the Better Business Bureau, and place a complaint with HSBC.

He still did not waive the fee. I was deeply insulted and now, I am just outright angry. I have initiated protection actions with the 3 credit bureaus to protect my credit from your company. I will not make a single payment to this account until the late fee is waived, and that includes any other fees that might arise from this incident. If I am not satisfied with the outcome, I will not pay your company and seek legal action to protect my credit and my assets.

I do not mind paying, but I do mind being taken advantage and pressured into punishment for an event that was not within my control. If you would like to further discuss this incident, please call me any time at **.

My bank account is now inaccessible to me if there's anything I need to speak to my bank about. I don't live near a branch, and so using the phone to contact HSBC is my only way of communicating. Any issue or service that is not automated is completely out of the question for me. I'm horrified. What are my options? Were they an individual, I'd call the Attorney General. What in the world do I do? I am certain I'm not the only one who's dealing with this. I'm going to do some more research to see what else I can do, any recourse that I might have. I would greatly appreciate any feedback or help with this. I feel utterly helpless and seriously violated. When I did try to talk to someone, by attempting to access their "security department," I spoke to someone who (and this was predictable) said they weren't the right department, and that she'd "write up" the "complaint."

I was in India. The employee’s name was Turek. I contacted all 3 credit reports have fraud alert up and there are 3 companies trying to sue me for the same account. Then I was threatened by ARM, a collection for HSBC. They sent a letter stated it would be removed within 60 days. It was resold to 3 creditors. My mother paid a settlement of $478.00 and $189.00 to ARM. I told her not to pay fraud accounts but she is ill and the 42 plus harassing calls got to her. FTC told me to never pay a fraud account. My credit was harmed. The 3 credit bureaus have done nothing to protect me. I have had it.

The collection department said they are not there to solve my problem, their focus is to collect so they have been harassing me since then everyday. I went to the front office again, registered a complaint reference #**. The front office person called many numbers in Chennai on a Monday, working day. No one responded from Chennai, as if Chennai wants Bangalore office to go down the drain by angry customers, leaving the account in frustration. The front office rep requested me to submit a new requisition. Knowing the pending HSBC harassment, saying that the problem is reset now to the new submission, I submitted it as a replacement to the original submission. Still, no one has acted on my complaint on HSBC. So I submitted the next day one more complaint on the telephone help desk. The rep took the complaint with great difficulty after I raised my voice. The ref #** (I do not know what she wrote in this complaint as they always keep the customer at the dark on the complaints made through telephone). Still, no one is processing in HSBC.

Yesterday, I wrote a detailed mail to the grievance cell of HSBC. Other than the system-generated email, there is no response from HSBC. But in the meantime, HSBC collectors are calling me three times a day still saying solving my problem is not their problem. I have run out options to solve this problem within HSBC, created by HSBC's incompetence in the first place. No HSBC person has taken the trouble to call me or write to me in spite of so much complaints. I am lost as I am being harassed over and over again.