HSBC Reviews

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.

As we were struggling to pay, the same person was taken ill with a life threatening illness and went into respiratory failure and was incubated and hospitalized for 3 months. I ended up disabled with complete hearing loss in 1 ear and a compromised immune system. The choice for work was very limited and ultimately was able to secure a phone job which pays half of what the person earned. I was able to barely make the mortgage payments after getting all the assets liquidated for 401k, etc. and help from family and friends.

Then came the deadline for adjustment and we were slammed with an increase to 10%. First, they gave us a forbearance agreement which meant that they put a few payments at the back of the loan at the high interest, which added $6,000 to our loan. After going back and forth with the loan modification dept and speaking to a different person every time who gave contradicting information, we were able to secure a temporary loan modification for 6 months. This was in October 2007.

Since then, our experience with HSBC has been a living nightmare. We need to gather all documents like preparing for a pilgrimage only that we don't have the peace of mind like that. We fax documents and they have no trail of it. They scrutinize our income and say that we can afford to pay it even at 11% interest because we have $200 more according to their calculation. In their accounting, a car payment, credit card payment or the State college tuition fee for our only child is not an expense. I want to ask the head of HSBC Mr. B. McDonough, who I quote as saying in Business Week article of July 7, 2008 "We have complete flexibility." What do you mean? Do you mean that we could do our jobs without a car in the suburbs of NY to get to the job? Do you mean we should keep my full time college student in a State university at home so that we could pay the mortgage?

Every time I go to them, they make us look like begging, asking to send them a hardship letter. There are many millionaires paying 4.5% interest on their mortgage and we have to beg and go to them on our knees to stay in a 6.5% mortgage. If this does not take our self esteem away from us, I don't know what does. They are ** bent on keeping to the mortgage agreement got into with a different company, even though the housing market has collapsed and we owe more than the house is worth.

When we talk to the people at the loan modification department, they have different things to say. One told us that my only option is foreclosure and another told us that there are tools to help us such as a "short sale". Yet, another person said when inquired about what the government is suggesting on doing to keep people in their home, "We did not take any money from the government and we don't follow government’s recommendations." No one considers the fact that we are already paying 6.7 (which is a temp modification) and all we want is to continue to stay in that without having to label us as hardship and avoid the misery to have to go through this every 6 months because neither our income or our expenses are going to change.

Added to all this, we have to pay our own taxes and having to pay such a high mortgage, we could not afford to pay our local taxes in time. When the taxes go past due, even though I had made an arrangement with the finance dept to pay it over a period of 2 years, the bank advanced the money so that their will not be another lien on the property.

Subsequently, we negotiated with the bank to re-pay the tax advance over 36 months and they agreed in writing. After doing so, they decided to go back and reverse all the payments made on time and applied towards the tax advance and reported us as late to the credit bureaus. They made the correction after numerous contacts but failed to correct the information with the credit bureaus and we are still battling that.

We will never be able to refinance because there is negative information in our credit reports and as it is now we have no peace of mind to live our life and we are only one sickness or disaster away from foreclosure. We are sure there are many facing similar circumstances with this bank; those who are not willing to walk away from their houses and who want to pay more than reasonable interest rate compared to the market rates and still made to feel like begging for food. We sincerely wish this is brought to the authorities concerned and we are provided with some redress.

The rep said all of the mail sent to our physical address was returned undeliverable. I told her we get our mail at a P.O. Box. She stated we should have notified them of that. I told her how could we if we were never notified they had our loan. I told her our mailing address was included in the loan documentation with Fremont. She stated they did not have the loan docs. From that point forward we have had numerous problems with them: unexplained fees, penalties, their losing our documentation request for hardship assistance over and over again. The bottom line of this complaint is... HSBC is not the registered holder of our mortgage or note. There is no recorded proof of their assignment of our note or mortgage.

How can someone file a complaint for foreclosure without providing evidence they are in fact the true holders of the original note and mortgage; or have recorded proof of assignment as such? Can we not get the complaint dismissed and a clear title since HSBC nor Ocwen holds proof of the original note and mortgage nor do they have the assignment? Besides the stress, it has caused bad credit rating, increase in payments, and other amounts due for default fees, penalties, etc. added to the balance of the loan and the possibility of losing our home to someone who doesn't even hold an interest in it.

The check itself was for $4451.00 (around), I called them and explained that I spoke to someone in the Claims Dept. and they said since it was under $10,000 there would be no problem. Well, now they said that, that was the Claims Dept. and they gave me the wrong information even though I have a paper stating the same info. I asked to talk to someone in the Claims Dept. They then said that they did not have a Claims Dept. I told them that there is no way I can repair the damages with only $1,500, see as my insurance company under cut my contractor's bid to begin with. They said if I got an estimate from Lowes for the materials needed, and a letter stating I had to do the repairs myself, then they would release half to get me started. I did what they asked of me. Now they say because my payment history is not perfect, they will only release 1/3 of my check.

It has been over 3 months since my damage. My house roof in now leaking inside my house and the damage is getting worse. It is getting to the point that me and my family is in danger. I am just a blue collar worker living paycheck to paycheck. I make all repairs needed to my home and pay my house insurance. I do not think it is right that these companies should be able to hold our monies and profit by them, while we have to suffer. And for what something that is supposed to be ours in the first place. We work and pay for everything we have, not them. We make the repairs and improvements, not them. HSBC is a heartless and evil company. Without my insurance check to make my repairs I have to sit back and literally watch my roof come down on me and my children's heads. May God have mercy on their souls.

I finally asked to speak to the fraud division. They supposedly have opened an investigation into who opened the account, and they said that they can tell if I opened it or if someone else did it using my information. I know I didn't open it, but it will be interesting to hear what they have to say. I am wondering if they sent a pre-approved application to my address and someone got it from my mailbox and sent it in, or if HSBC just somehow opened it on their own. The account was supposedly opened in 2008 but the telephone number on the account is not my current number and hasn't been my number for several years. It seems that if I had actually opened this account, I would have used my current telephone number, right?

I don't know what the situation is, but I am getting sick of the harassing phone calls, explaining the situation, being told I don't owe the balance, only to have the harassment begin all over again. Is HSBC really that desperate for money? They certainly seem to be crossing lines, and possibly laws, to get there! I'm constantly being harassed to pay a balance made up of only fees and interest on a credit card I do not have, and this unpaid balance is now on my credit report. I guess it will have to stay there because I am not going to pay them money that I don't owe to them.

Today, I contacted HSBC in order to discuss their reason for declining my request. They said their decision was based on past due accounts being reported by Equifax. I went online to the Equifax website and requested a copy of my credit report. The information in my Equifax report was not consistent with what HSBC told me.

I contacted HSBC a second time and told them I had a copy of my credit report and what they were telling me was not consistent with the information in my file. I was told there was nothing more they could do to help me. My account with HSBC in the past was handled as agreed. I paid the account off in full prior to the end of the promotional period and they were not able to collect interest fees. I believe they did not want to extend credit to me again because they realized that I would handle my account the same way and that they again would not collect fees from me. Instead, they wanted me to accept their MasterCard which would generate fees for them from the very beginning. Best Buy is prompting a Three Year No Interest Finance Plan. HSBC is underwriting the promotion. I am being told that I do not qualify for the promotion because of negative information in my credit file. I believe I am being discriminated against because HSBC realizes they won't generate any fees from my purchase.

Anyway, payment of $260.00 was paid via Western Union today, June 17, but I have to wait two days in order for the vehicle to be released to me. This is costing me more money, which I do not have. Note that I have and was sending payments monthly (not the full amount), yet the vehicle was taken. Quite a scam. If only the amount owed on the vehicle was $960.00...

In fact, I have informed them on a couple of occasions that I was having financial issues. And I did mention in one conversation that I would make or meet the monthly payments. I am aware of my obligation to them. But to have to wait two days and incur cost for the vehicle to sit on a lot is not right. It seems as if they are adding money onto a loan that would have been paid off at the end of the year--beginning of next.

I am a widow of my husband of 36 years. He died of cancer and I was left with no income. After receiving VA benefits and gaining a part time job, I had tried to pay all my debts. Please help me recover my $600 so that I can use it towards any needs I have. The account # is **. I just called Arrow Financial to inquire and claim my $600 owed back to me. Arrow Financial just sent me a check for $100 last week for overpayment for a closed Chase Morgan account. I spoke of that to their customer service along with my inquiry for my $600 owed to me for overpayment for Household Platinum HSBC. She has my identity and asked me to hold, forwarded me to voicemail. So I called back and she disconnected me. So I see now where my $600 is held. Please help me gain back this amount owed to me. I appreciate this so much and look forward to hearing about this matter. Thank you so much for listening.

Now as I explained, I have lost my job and been unable to make the necessary repayments for the last 3 months. I have been put on travel restrictions which mean I cannot leave the country to travel back to my home country which is the UK. I was not aware at the time of taking the loan that the bank HSBC could do this. I just thought the loan would be transferred to my home country. I have also been told by the bank that if I don’t repay the loan in full, then I will go to prison. I don’t have a lawyer because I can’t afford one and I will be homeless in less than 2 weeks. I have been to my embassy and was told that they can’t help me.

When I called HSBC to verify the credit, a representative informed me that the account is blocked, so no one can use it for a charge or a refund but he refused to give me any other information unless I release my sister and my wife's name and her date of birth. He stated it is required by FACTA. However, FACTA let them verify me and only my identity and not my family or friends. Now, I am risking my excellent credit history, unless I pay for this Hong Kong Bank side services I never applied for. I still have those two not cashed checks they send as a bite. Someone stated earlier, Stay away from HSBC." It sounds like a good advice. Chinese/British services do not fit the American ethical business market.

What started to be $69 a month went to $200 a month. We sent them more letters that we could not afford this new monthly payment. HSBC basically told us if we did not pay, they would exercise their right to repossess the ATV. That is going way too far. I then received a form to fill out if I wanted them to extend the time to pay this payment without. I sent the form back accepting the offer from HSBC to extend the time I had to pay this $200. HSBC sent me forms at least three times for the same reason. It is obvious they do not know what they are doing. That was April 2009. Now the payment is up to $800. Tell me how the payment increased to $800 in two months. I thought I was still safe that HSBC had offered the extension.

Yesterday, a repo man showed up at our home to repo my ATV. This is outrageous. We had an agreement. When I asked to see the paperwork, the gentleman did not want me to see the paperwork. I told him he was not going anywhere with my ATV unless I can read the paperwork. He handed me the papers and I tried to read it when the man grabbed the papers out of my hands. I do not know why he did this but he almost knocked me down when he did it. I am 63 years old and have to use a cane to get around. I could have hurt myself. I went on the internet to find out my rights and the site I found said that a repo company cannot touch you or violate your rights in any way. I consider that assault. HSBC repossessed my ATV without cause because we had an agreement to extend the payment. This is called Breach of the Peace when a repo company touches you or commits violence. According to a California repossession attorney that is like stealing my ATV and HSBC does not have the right to do that. I want my ATV back. HSBC took it without cause.

Sue, a customer service supervisor at HSBC, admitted to me that both mistakes (the misappropriation and my being reported as deceased) were their fault and would be corrected if I provided proper documentation. I spent half of the next day gathering documents, getting them notarized, and faxing them to HSBC. HSBC would not reveal whose account it had been applied to because my name was not on it. HSBC then tried to withdraw the approximately $1242.85 and was unsuccessful. My wife then received a letter from her Sears credit card account (HSBC) saying the funds she had requested to be withdrawn would result in fees and other charges due to her going over her credit limit. She never requested this because we weren't even aware that the funds had been applied to her account until we received the letter. I called HSBC again to discuss the letter.

I was told by this person that he would get all three departments together probe this issue and discuss solutions. I still have not received the promised confirmation that my credit bureau information has been updated and negative hits from HSBC removed. I am supposed to receive a call from them tomorrow (June 04, 2009). We are paying interest on multiple accounts for at least an extra 2 months that would have been paid off. The extra interest we are paying because of this would be close to what we supposedly owe HSBC. I missed approximately 8 hours of work trying to gather and send information to prove that I am alive (while one push of a button from HSBC made me "dead"). This has been a very stressful and depressing situation. After working hard for several years to improve my credit score, I was very proud to be a 700+. I now have no credit score. It remains to be seen what my score will be when HSBC is done doing as they please with my credit score and my life. This will also affect my wife's score, I assume, if they do remove the funds from her account. It seems that large corporations do as they please with no consequences.

In the last 48 hours, they have called me 16 times from the same number. They do not leave a message when I let my voice mail get it, and when I pick up the phone, I hear noises in the background, but no one answers. It appears to be some sort of harassment tactic.

This represents an extremely undesirable company. They should be forced into bankruptcy by their customers. I've never dealt with them, and after this, certainly never will.

Now, June 1, 2009, I found out that they have not closed the accounts but have imposed more late fees. I called Customer Service and asked them to close the accounts for which they directed me to Collection Centre. I called Collection Centre and they are directing me to Customer Service. Even after paying their annual fee which shouldn't have been levied in first place, they are after the late fees and asking me to pay and dare to say that they won't close the accounts.

Now the late fee charges have come to 1447/-Dirhams. Could somebody please tell me what can happen if I don't pay? I'm not in UAE currently and have no intention of going back to Dubai. This is harassment. I'm planning to apply for a police clearance certificate just to make sure I'm safe.

After it didn't, I started making calls to the branch in Edison, NJ and via 800#. Then the rep (Jay) from Edison, NJ finally said, "Oh, we don't apply payments for car loans at the branch, we accept it as a courtesy and we send it to them (HSBC in MD) to process." So at this point, I said "What?! Why wasn't I informed of this, as I could have avoided all of this by simply sending my payment via MoneyGram which I have done in the past and had no problems making the payment this way (note that this was a three-way call because I called the branch in Edison, NJ and 800# together)." The rep on the 800 # made a comment in my account to note payment was made at the branch, which doesn't help me as I spoke to another rep previously on 5/23/09 who made a note on my account, "to only stop calls to me until this Friday, 5/29/09, as the payment was made at the Edison, NJ branch." As of date, the payment still did not post.

HSBC is an underhanded company that trains their C/S reps to lie and don't inform customers of the entire truth on their payment process.

My attorney contacted me and advised me if I hadn't heard from the co. to go ahead and send a payment, which I did on May 1st. On 5/22/09, I received a FedEx from mortgage co. advising they would initiate foreclosure by May 28, 2009. I called them and they advised they never received my attorney's letter nor the original signed reaffirmation or my check of 5/01/09. I told them I would be contacting another attorney to see what action I could take against them. To date, I have had no further contact from them.

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

I contacted HSBC at this time and found that none of the payments I had set up for auto pay had actually gone into the account. I also found out that instead of contacting me by email or phone (as they had been doing constantly for various offers), HSBC charged me with over $500 in fees. They stated it was for NSF payments. I asked why they didn't try to contact me and why did they send me emails stating that my payment had been received. They answered that they sent info with their monthly statement. I advised that I did not read the statement since I was receiving emails from them stating that everything was received as well as several calls and emails offering me different promos.

I asked that due to the circumstances could they remove the very large fees they charged and I will once again due weekly payments. They refused. I advised that they never attempted to contact me in any way and I never was over the limit on the card, so I do not feel I should be charged with over $500 in fees. They refused again. I am now getting approximately 6-7 calls an hour from these people tying to get me to pay the full balance. I've told them several times to stop calling. I even went as far as to say I will not pay, send me to collections. They still refuse to do even that and are continuing to call me every 5 minutes.

I wonder how HSBC takes money out of my bank account without authorization (which seems like fraud to me), then takes up to 30 days to deposit my money back into my back account? I never signed up for an automatic payment plan and they automatically took out $800 from my bank account, which caused about three overdraft fees and they are going to take up to 30 days to put the money back into my account. I simply don't understand how they can get away with this.

However, this second time is a red flag - I have every bill I have received and paid in a pile on my desk for next year's taxes and I checked and double checked, but there is no billing for last month. I am seeking to have this fee removed as well as cancel this credit card, but is there anything more we can do? I am working on a paper regarding credit cards and usury, but this is above and beyond - the interest rates are one thing. However, to withhold billings for those who are paying off the entire bill monthly so they can charge late fees is unacceptable. I am livid.

I'm not normally late on any of my bills, not even HSBC. Why would I put all my accounts into a credit counselor? I noticed in Google that there is no corporate address for HSBC listed. I accessed a web page containing the ridiculous salaries and bonuses HSBC personnel earn in NYC. HSBC put a tracking cookie in my computer from that page that I later found and deleted. I sent a certified letter to card Member services in May. If they can hold up on the fees for 60 days, I can bring this account current. They cancelled my account with my April billing without answering my faxed letter. I felt this was unfair. It damaged my credit rating.

It has horrible customer service. When dialing main customer service # 1 877 472 2249, there are 4 options. None of them say speak to a representative. You have to go through all of them or pick an option that doesn't pertain to your call before you can get someone on the phone. When I mentioned this to them, they said I should have hit option 1 (which says to access your account using our automated system, hit 1). Why would I select option 1 when it references the automated system and I am calling to speak to a rep? It's misleading and they do everything they can to minimize the amount of callers who can get through. They don't post branch numbers and make it very hard for people to get through on the customer service line.

Credit card statements for our Mastercards have come through with errors on them, actual accounting, posting errors on them. I couldn't believe it. Due to a security reason, they automatically switched hundreds of credit card holders from consolidated billing (used for accounts with multiples cards on them) to individual billing with no authorization. They said they had to do this because someone breached their system and they wanted to make sure there was no fraud. So, to switch it back, I had to send a request on letterhead even though the 1st switch was done with no authorization from us. I sent the request 3 times and it was still not done. it was just ignored.

Bank statements arrive late all the time. When I call my branch rep, he never responds to email or phone vm. When I call the main customer service #, they ask me to pay $5 for a copy even though the 1st copy never made it to our offices. They ask for 7 business days to send a new copy or suggest an earlier close out date for the statement or going to the branch for a copy. I need to close out books by the 5th of the month and just need the statement to arrive on time as it's supposed to.

When I called the main number to ask for a complaint line, she asked questions that were irrelevant to my request. She asked if I was the owner of the company, a signer on the account, what my issue pertained to ... and finally refused to direct me to where I could file my complaint. I told her this was unethical and probably illegal to intercept my complaint in this way. They are, by far, the most unethical bank I have ever dealt with.

On April 2, I called them again since I had not received my check. I again was given the same information by their automated system regarding my rewards. I was informed by one of their reps that a check was being mailed and I would have it in 2-3 weeks. On May 6, I called again. Again, it was the same information on their automated system. When a rep finally answered the phone, I asked for a supervisor immediately. When I asked for my rewards again and told her of the history, I was put on hold and first she said she'd make another request and then she put me on hold again and told me since my account was closed, that I wasn't due any rewards. I then told her what her automatic system says about my rewards, read her the letter and asked why I was told two other times that I would be receiving a check. She said she'd have to check on it and get back to me. I then asked for her supervisor and was told they are all busy, out of the office, or on the phone but they would call me back.

I left my name and number and was promised a call - I told her I expected a call within 24 hours or I would take further action. They should send me a check plus interest and fees since they are now over 60 days in default to me!

I received a letter from HSBC April 7, the letter was dated March 30th, stating that they were unable to resolve my dispute, the purchase was made through a secured website and my 3 digit pin was apparently used. However, they were not able to provide a receipt, and that they suggested I contact the merchant directly. The website is in Spanish, the company is in Spain, and I have no record of this purchase except the statement from my credit card company, not much to work with. I called HSBC, spent about an hour and a half on the phone, being transferred back and forth between customer service, the fraud department and dispute.

Finally, a representative told me that I could fax them another letter regarding the dispute on my account and a copy of my driver’s license. I did that, I kept the copies and the confirmation of the fax. A few days later, I received another letter denying my claim, dated the exact same day I spoke with a representative. That was one short-lived investigation. So I was back on the phone, tossed around again, and finally got a hold of a person that tried helping me (Irene, not the Irene that was handling my account, but another person in the office). She asked me to fax the exact same information I did on 04/07/09, with her name and ID number, and gave me her direct line (thank heavens). She said she would hand deliver this to my account manager, and gave me the name of her supervisor, Leti (which always seems to be unavailable when I call).

I re-faxed it, I have the second confirmation, it went through and I waited. The collection calls continued, but now they are calling my husband as well. May 4, I received another letter, same story, "denied." I called them again, May 5, today. I talked to Irene, not my account manager, Irene (she is out of town for the week), helpful Irene said (after a 10 minute search) she found my fax, they had received it, okay. She said the only thing she could do was hand this off to management for review. This has been going on now for 5 months. I have done everything I can, and I'm still getting the runaround.

I complained that I was unaware of having signed up with the service to which they produced the signed application. I don't dispute having signed it, but the amount they have charged is onerous and egregious. HSBC has no vested interest in reducing this amount and indicated they were not inclined to do so. Therefore, I am writing to advise others, like me, to be very cautious about these "services" they offer. I also hope someone will force these "thieves" to produce a schedule showing the amount of money that will be accumulated so that consumers will not be blindsided by such a charge.