HSBC (US) Customer Service Issues

I canceled my account years ago, and they confirmed on the phone that it was canceled. However, an automatic fee was later charged to my account, reopening it without my permission. Despite disputing it multiple times, I am asked for written evidence of the cancellation, which I do not have. HSBC is uncooperative, and the cycle of passing the debt to different collection agencies continues.

I opened an online free account in London, and $9,[redacted],[redacted].00 was deposited into the account. Mrs. Cynthia Ruthford instructed me three times to get a money order, send the money from it, and provide the transfer number located in the right corner to access my funds from their bank. They asked me to send the slip as a signal of readiness to withdraw the money from my account and insisted that the money I sent to them would be returned once my account was activated. I hesitated as their request seemed suspicious. Now, they withhold my funds for over four weeks. I need help retrieving my money as it rightfully belongs to me, and it is unclear how the money was placed in an unactivated account. I reside in Hood River, OR [redacted], Lawrence John Campbell. I urge someone to assist in stopping this situation and ensuring the return of my funds, plus the accrued interest. Your prompt action is appreciated. Thank you.

I have attempted to call multiple times during my breaks but was left on hold indefinitely. The number provided for the special department had long wait times, making it difficult to address the issue promptly. I sent a check via FedEx to the Chicago Payment Center to pay the remaining balance. My account has been blocked from online payments, complicating matters further. I request prompt application of the check to my account. I demand closure of my account, payment of the cash back rewards, and improved customer service. Should you wish to discuss this, please call me tomorrow between 1:00 PM - 2:00 PM Eastern Time. Otherwise, proceed with closing the account and issuing a check. The FedEx tracking number for the payment is [redacted]32. Your customer service needs significant improvement for a better customer experience.

I am having difficulty speaking with anyone in the US as the representatives in India stated they do not handle cards that start with [redacted]. I was transferred a total of 5 times (Ezra, Arpita, Ahmad, and then 2 more transfers with no names given) with no resolution. I have sought legal advice regarding the issue that was initiated on Friday, 9/7/[redacted]. According to legal requirements, HSBC must furnish me with the signed contract agreement, all statements, records of communication, and any attempts made, including dates and times. Per my legal rights, I formally request this information to be sent to my home address, as you have on file, upon receipt of this email. If this request is not fulfilled, I expect all collection activities to cease.

I am interested in applying for a credit card to cover a dental expense of $[redacted]. I would like to take advantage of the 0% interest offer for 18 months. Could you please clarify if there are any additional fees associated with this offer? My intention is to repay the $[redacted] within the 18-month period. When applying, should I request the exact amount or round up to $[redacted]? I am curious if the credit limit is determined by the card issuer. If I used the card for a $[redacted] purchase on braces, would the monthly payment be approximately $95.89? Lastly, how long does it typically take to get the card approved and delivered? The promotional pricing for the braces ends soon, and I would like to make a timely decision. Thank you for your assistance.

Dear Customer Service, I am reaching out regarding unauthorized charges on my account ending in ([redacted]). Gail Yeh assured me she would address this with her manager and follow up, but it has been over 4 weeks with no response. She referred me to you via her assistant's email, hence why I am contacting you now. I have completed all necessary steps to dispute these charges, including reporting my lost wallet promptly and working with law enforcement and your security team. Despite this, there has been no progress. Your website states I am not responsible for these charges, yet they remain unresolved. I kindly ask for your assistance in resolving this matter, especially because the holidays are approaching, and I would like to be able to purchase gifts for my daughter. I appreciate any help you can provide. Thank you, John S. [redacted] Skokie, IL [redacted]

I recently obtained my first HSBC credit card and the experience has been extremely disappointing. Despite being approved, I received a promotional offer for an 18-month balance transfer clearly addressed to me. Upon contacting a representative named Lisa from the Philippines, I was informed that the offer is only valid for 12 months. After speaking with multiple representatives and sending a letter to corporate headquarters without any resolution, I am frustrated. This situation has made me reconsider doing business with such an inefficient company. I recommend relocating customer service back to the US or providing them with proper authority to address customer issues promptly. I am considering contacting the Better Business Bureau if I don't receive a satisfactory response soon. I am curious about what the initials "BS" in HSBC stand for. Looking forward to a prompt reply. Thank you. - PD

Thirteen days ago, I applied online for an HSBC credit card. After receiving an email stating that they would respond within 10 to 15 business days for application review, I contacted a representative. The response was that due to an application backlog, I need to wait a few more days for a decision. Frustrated with the delay, I now wish to cancel my application as I prefer not to wait any longer. Please reach me at [redacted]

My account was flagged by the fraud department, and I provided my ID and social security card to verify my identity. Along with that, I sent a check for payment to enroll in the EZ pay service for the following month. I made a payment over the phone the next month assuming everything was resolved. I opted for paperless billing and never received any further notifications or bills. Unaware that my account was still flagged for fraud, I relocated to a new state and attempted to access my account, only to find it inaccessible. To my surprise, I discovered it had been sent to collections without any prior notification via mail, email, or phone.

I am absolutely devastated that HSBC has frozen my parents' bank account without any logical explanation, especially during this pandemic when they are struggling financially. This situation is incredibly frustrating. My parents have been loyal customers of HSBC for years, yet their accounts keep getting frozen for no apparent reason, along with others. I attempted to contact customer service, but "Sonia" stated that the department needed to unfreeze the account was closed. She mentioned it wouldn't be resolved until Monday, leaving my parents without access to their funds over the weekend. Both my parents and I are under a lot of stress due to their health concerns. Freezing a bank account during a pandemic is beyond comprehension. I urgently request that this matter be resolved promptly. It is a terrible time for them to have no access to their funds, especially when there was no suspicious activity. I implore you to unfreeze the account at the earliest convenience.

Recently, I've been encountering issues accessing my HSBC accounts due to the requirement of a six-digit one-time code sent via email. However, by the time I receive the code and input it (a process that takes me 12 to 13 minutes), it's already expired. Despite spending 25 minutes on a live chat with Ryan at HSBC on 09/15/[redacted], I received two five-digit codes that were not helpful. As a retired VP of Marine Midland Bank and a veteran of the USAF, I seek assistance in resolving this matter. Thank you. -DAH- [redacted]