HSBC Bank
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Category: Business & Finances
Contact Information
Highland Falls, New York, United States
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HSBC Bank Reviews
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notnow
June 28, 2011
Problems closing accounts
"Closed" accounts come back to life when the computer calculates and pays that month's interest. Then minimum balance fees are imposed, apparently forever, or until you hit the trigger to begin collection actions that can play havoc with your credit score. On 3/3 I closed my checking account. On 3/15 it came back to life when six cents of interest was posted, along with a $15 service charge. A month later another $15 charge. Happens a lot with them. Three times with my family. Recommend you avoid them, or watch them mighty close.
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pj1458
June 23, 2011
Lowered credit limit
HSBC lowered my credit limit from $4000.00 to 305.00, on my credit card that I have had for years; due to the fact they did not change my mailing address when I called in. I was late less than 30 days on my $15.00 payment (but the letter said I was seriously delinquent, yet they reimbursed me on the late fee... this account was always paid in full monthly. "They had no record" of me calling in and changing the address. They offered to request an upgrade, and it was declined... DUH hello, I am not stupid, what a scam. I cancelled the credit card and will never do business with this company again.
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littleangels
April 27, 2011
HSBC bank outright awful
Our mortgage is with HSBC. We had always paid our mortgage on time. In October of 2010 we received a certified letter telling us that our property was going to be sold. We proved to them that we had made our mortgage payments but they had processed them to someone else's account. After 7 months and a lot of attorney fees they finally fixed the problem. Of course not after calling us 60 times a day to tell us our account was in default. The best was when the collections person asked me 'how do I know you didn't pay this other person's mortgage for them'. I was like seriously if I was going to be generous enough to pay someone elses account don't you think I would pay my own.
Today I went to a local HSBC branch to cash a $4300 check that was made out to me and had come from another HSBC branch. They verified that the account existed and that there were enough funds in the account to cash the check. When they went over to the manager to ask if they could cash the check the manager said the check looked fake and took it from me. She would not return it to me and told me that I can't have it back until they verify that it is real which can take up to two months. I would have happily taken it to my own bank which would have put a 7 day hold on it but they told me that I can't have it back.
Thank you HSBC for not only messing up our mortgage but for stealing a check made out to us that was a donation for our non profit animal sanctuary. Thanks to you 7 cats were euthanized today because we were counting on that money to take care of their medical expenses.
You are the most crooked people I have ever met in my life and I learned a huge lesson. Next time we get a large donation we will take it to our own bank and wait the 8 days rather than risking having you steal it from us. Believe it or not we live close to the Canadian border and we do get donations from Canadian citizens. Just because a check comes from Canada does not mean it is fake.
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T. S.
December 16, 2010
Fraud
In sept. 2010 HSBC granted an illegal alien (in Utah) a credit card. This person used my stolen social security number to obtain credit. I have a fraud alert with all 3 credit bureaus, HSBC was notified of the alert but ignored it and granted the illegal (mexican) the card anyway. (I've never been to Utah???)
Two months later (in Nov. 2010), the illegal woman used my Social Security Number again (with HSBC) and was granted another credit card after HSBC again ignored the fraud alert on the credit report.
Although I had HSBC stop the second card from being used, the first card has a $2, 000.00 balance on it.
HSBC refuses to contact the authorities (they have the illegal woman's name & address) and they refuse to send me a fraud investigation report that they would need to validate my claim of fraud.
They've lied to me and refuse to connect me to the proper supervisor...they ALWAYS hang up the phone when I insist on speaking to a department supervisor.
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pitabear
November 2, 2010
Guitar center credit card
I called HSBC today in regard to my account which is past due. I called today ON MY OWN ACCORD. They did not have to track me down. Here is what happened.
I had a promotional 1 year intrest free option on a purchase I had made a little over a month ago. I read the bill to find intrest, penalties, and late charges to my account. As I have said I CALLED THEM. The first woman (Lee)to answer the phone was greeted by me with me saying, "I am a bees with honey type of guys first of all". Then, I went into my concern. I told her that I had NOT recieved a bill from HSBC or Guitar Center. I told her I would remember because(A) I have never missed a payment in 5 years to G.C. and also, the bills are much larger than I remeber. She said, "ok". I let her know of the promo and requested that it be returned back to original status and I will make a payment substantialy HIGHER than was requested. But to please get rid of the intrest and charges. She said, "Mr.Sias, we have your bill here. It was returned to us as a bad address. It was an honest mistake and letr me remove the charges from you. Your bill will now be Nov.15 2010". I said, "cool no problem". She asked me what my address was. I told her that the one she was reciting to me was incorrect. I gave her the right address. She assured me all was good. I was happy.
10 minutes later I recieved a phone call from an HSBC rep. (Josh) and he requested my payment which was different from even my bill. I said, "let me stop you Josh, I had already taken care of this and no harm no foul. He was persistent and finally I got upset after 2 to 3 minutes on the phone pleading my already plead case. I did end the phone call by telling him I do not need my hand held and good bye.
Finally I was so upset that I took time out of my day to call back and request a manager. OBVIOUSLY, that was not going to happen so ONCE AGAIN, I plead my case to the woman(no name) with a bit of anger in my voice and informed her that I called HSBC on my own to find out what was going on, got it fixed, recieved a phonecall not 10 minutes later requesting payment again even with a different number. I let her know I was really upset and I believe they are being unproffessional now.
5:00 pm rolls around. A man by the name of "Rajij" calls. I can barely understand him except the payment request and, "WHAT I INTENDED TO DO ABOUT IT". I really let him have it. I told him that I have never been late on a payment in 5 years . I am NOT some 20 year old kid who buys $1200.00 worth of stuff and skips out.and to stop the phone calls because, I will not think twice about cancelling my account with Guitar center forever. I let him know that if I recieve even one more phone call even to say hello I will sue the hell out of HSBC for harrassment. I also ONCE AGAIN assured them they'd be paid by the end of this week to the middle of next and to GET OFF MY FN' PHONE.
That is my complaint.
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DSmith1982
October 6, 2010
Trying to close my account without any warning & lock me out of accessing my money!
I have been a customer at HSBC Bank since 2009 and never had a problem with them until today. I opened a checking & savings account online through HSBC Direct (now HSBC Advance). Without notice on Tuesday October 5th, 2010, they placed notes on both accounts saying that they would be closed. This in turn froze my assets in both accounts and deactivated my cards so I couldn't make purchases, deposit or withdraw money from either account. I only found out that my cards didn't work when my check card was declined at a store on Tuesday October 5th.
I went to a branch by my house this afternoon at 2pm to see why my cards weren't working (I didn't know at the time that there was a closure notice on my account) I found out that there was a note on my checking account to have it closed - which deactivated the card associated with it. The local branch rep notified me that there was nothing she could do on her end since I opened my account online, and that I needed to call the customer service number to fix the situation. I called customer service and the first rep I spoke with on the phone connected to the card services department and was told that the card serv. dept. had not deactivated the card and instead the note came from the branch at Union Square (NYC).
**Side note - in late September I attempted to open a business account with HSBC and had worked with a repr at HSBC in the Union Square office. For whatever reason, I wasn't able to provide enough verification and after trying multiple options, both the rep and I agreed to close the business account this past Monday, October 4th.**
I was transfered to a rep at the Union Square branch who notified me that they were not responsible for any notes on my personal accounts, as they had only worked with me for my business account. They did close the business account - but didn't touch my personal accounts. Instead, they instructed me to call back to the customer service number because my accounts (checking & saving) were opened online - so there would be nothing that they could do about the notes.
I called customer service again. As it stands right now, a rep in the Security Dept named Aisha placed a note on my accounts to close them - but did not provide any details as to why they're being closed. I received no written notice, phone calls or emails warning of a pending closure. It was at this point when I was speaking to my fourth or fifth HSBC rep that I was notified that "Aisha" had also placed a closure notice on my savings account as well - preventing me from depositing/withdrawing any funds from either account. HSBC is the only bank I use - so I have no money now.
The Card/Security Dept at HSBC doesn't work extended hours, only 9-5pm, so I can't reach someone until Thursday October 7th. I'm very annoyed because there has been no irregular activity on my account, I'm never overdrawn, so I don't understand why my accounts have been singled out for closure without due cause. Only once has my card been shut off for security purposes and it was because I made a Western Union online transaction this past Spring and I was able to verify the purchase with a rep and have my card restored. Even more frustrating is the fact that these customer service reps who are "reviewing" accounts can maintain anonymity - even so much as not having to give out their work extension numbers so that customers cannot contact them directly but must spend a minimum of 20 to 30 minutes in a phone tree to reach them. At this point, I don't know if I'll be able to get my account restored or when I will receive the money from my accounts if HSBC/"Aisha" chooses to close my account. I literally feel like HSBC is holding my money hostage and am insulted that if they thought there was any impropriety happening with my account that they couldn't contact me directly to resolve it rather than just silently choosing to close my account.
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Murphy
August 8, 2010
Online rip off
For five years I held a Savings and a Payment Checking Account at HSBC Online. I kept most of my money on the Savings and programmed several of my bills to be charge to the Payment Acct. Since the transfer of funds between those accounts is immediate, I used to command my transfers one day before the bills due date. Everything worked fine until last month. The transfer I schedule (2, 2K) was not performed, for some reason. When the charges (3) hit the Payment account the funds were not there. HSBC "kindly" paid the bills and assessed a $105 "Insufficient funds fee". I immediately called Customer Service, and after a long explanation they agreed to remove $70 dollars from that fee. I did not accepted that solution, I am absolutely sure I ordered the transaction, as I did every month for five year, and did not receive any error messages at that time. I start wondering if they do not deliberately create those "failed" transfer to rip customers off. So, I am closing all my accounts with HSBC and will engage in the almost impossible task of finding a fair financial institution. Beware if you hold accounts at HSBC. Check your account/balance online daily. If you have to make transfer between accounts, do it one extra day in advance, so you can go online and confirm the transfer was executed before the bills hit the account. Actually those advices should be observed for all banks, I think. They are out there to get us!
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Derlone
July 28, 2010
This is a very fine example of harassment by these private sector banks
I opted for HSBC - Cash on EMI offer which allows the card holder to recieve cash upto the available credit limit on the card. The Intrest rate is not very high and since I needed money I opted for it. My offer was cleared on 5th November before which I got a confirmation call on 3rd November 2007. I was told that I would be getting a DD to my mailing address. I waited eagarly for the DD but it never came (till date (29th Nov 2007!).
meanwhile I complained HSBC 4 times but never got proper response. They always raise a complaint which never gets solved. And now I am asked to pay the 1st EMI by 5th Dec 2007. I complained them saying that I didnt get the DD and hence wouldnt pay it. But HSBC insists that I pay the money before due date otherwise I will be penalised.
This is a very fine example of harassment by these private sector banks which first of all charge exorbitant interest rates despite giving pathetic service.
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Manister
June 25, 2010
Charge £8 a month fee for 'allowing' you to have a bank account
HSBC 'offers' a Passport Account if you are new to a country, without a local credit history. This is advertised world wide. What isn't advertised is that you are locked into a 12 month contract, and in the UK, this also results in a £8 a month fee for 'allowing' you to have a bank account. Having lived in 7 countries around the world, my perception is that the UK has to have one of the worst banking systems, and HSBC, as a world wide recognized bank, should not be allowed to fleece newly arrived individuals in this way, especially if a good credit rating and employment is guaranteed. One of the worst decisions I have had to make; I will never bank with HSBC again.
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Gratussto
June 21, 2010
I can't believe they charged me 29.99% interest
I can't believe they charged me 29.99% interest so I transfered balance to another card at 1.9% thieves aren't they.
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