HSBC Holdings
Reviews and Complaints

Due to the economic situation, sometime back I found myself with some rather delinquent credit cards, with one of those being a cincinnati reds credit card issued by hsbc (seperate from my original hsbc account). unable to send full payment, I sent a token payment and informed them I would try if possible to send such payments until I was once again able to resume making regular payments. needless to say, this was of course not satisfactory with the creditor. I have exhausted every other possibility I could think of with the only other choice being bankruptcy. a choice I would rather not make however, current circumstances may leave me no other alternative.

Hsbc did it again...

I have a platinum card issued by hsbc uae last week. I could only use it for few days before I started getting a message "do not honor" at few outlets. I called hsbc and strangely I found out that the card has been blocked. the system does not show any reason of blocking it. I was also not informed by anyone from the bank. after wasting many hours trying reaching the bank's call center I could not get a reason at all and was kept on getting a message that we are investigating. after three days today I was told that card has been blocked because no body updated their system internally as to the documents submitted by me. they admitted that its bank's fault and my card should not be blocked. but they did it...

Letter sent to hsbc:

As of today, I have a credit of $2170.60 on my account with your company. I have phoned the following number [protected] on various occasions to discuss this credit and have requested that the amount be refunded to me. unfortunately it has become clear with all my conversations that your representatives have not been accurate in giving me the facts regarding this transaction. below is a history of the times I have called your company and what I was told regarding the refund check by your representative:

May 23, 2011 – told by your representative that a refund check would be generated and sent out by close of business today.

May 27, 2011 - told by your representative that the money would be refunded to me via fed express overnight. obviously the representative I spoke with on may 23, 2011 did not process the transaction.

May 31, 2011- told by your representative that the refund check was sent out on may 30, 2011 should be rec’d with two working days.

June 2, 2011 – I call again and spoke with heidi. ext. 78152 id# hrs87h. it was explained that the check was sent out on june 1, 2011 and I should have the check in two working days. so again, the representative I spoke with on may 27, 2011 did not process the transaction.

The history clearly indicates that every time I inquired on the status of my refund check, I have been receiving conflicting information from your representatives.

This is a formal written request for your company to refund the amount of $2170.60 to me. if the money is not to be refunded, I request a written response by your company explaining its position.

Your attention to this matter is greatly appreciated.

Regards,
Mrs. jeanette woods

This credit card company is a fraud. Unless you are planning on getting a GM vehicle, do not get this card! You can't use the "earnings" for anything else, other than a car, and even so, they give you very little points. My main complaint about them, however, is that they hiked up my APR by 15% just before a bill was passed that would prevent companies from doing this. I have never missed a payment on my credit card, never late, and always paid more than the minimum. These opportunistic crooks will rob you blind! I am stuck paying 25% in interest every month! After that they actually had the nerve to send me an email saying that they have noticed that I haven't been using my card. REALLY?

We were in the same boat. we had re-finaced our mortage and then was sold to hsbc. that was something I will regret from now on. things went ok for a while as long as the payments were on time, but then my husband was laid off for three months. when he finally got another job it was for alot less than he had been making. we called and told them what was going on and that we would get things caught up as fast as we could. we sent one payment then another and by then still owed two. we had asked if we could pay the principle payment payment and put the others at the back of the loan. one lady told us if we made one payment that she would defer the other to the back of the loan, so we did. then when we sent the next payment they refused it. they would not take anymore payments unless we became current. since we could not do that we received foreclosure papers. we then had to get an attorney and file chapter 13 to stop the foreclosure. for the past 4 years we have had almost 300.00 taken out of my husbands check every week. some weeks he would only bring 200.00 (sometimes less). a week. all because they would not work with us at all. they favorite saying is all or nothing.

After eight years of being a loyal customer of HSBC it is once again that they prove that their customer service team is quite possibly the worst in the world.
When I opened my accounts at the bank, I was given a savings account for my salary transfer, a mastercard, viascard and insite credit card for telephone and internet purchases.
A few years ago I received notification that the internet card would no longer be a service on offer, so I finalised my bill and discontinued using it. Unfortunately I had previously signed up for small monthly charge of approximately 12dhs per month on a public speaking website. This continued automatically being charged to this account and because I was unsure on how to cancel it, I proceeded to pay the charge each month, transferring money from my savings account. In August 2010 the internet credit card details dropped off my internet banking and I assumed that it had been closed for good. I had no way of viewing any details and I never received any hard copy bills in the mail. Fast forward six months later and I start receiving calls from collections telling me I owe them over AED 500 in charges and asking if can I pay that today? After questioning them what I owed them for, it was approximately 70dhs in accrued charges and the rest late fees that had been accumulating each month. I asked them how I was expected to pay the account when firstly I was unaware that I had any charges and secondly the account didn't exist on my internet banking so I has no way of transferring the funds. I advised them I would agree to pay the amount that had accrued from the charges but had no intentions of paying the late fees. After several weeks of harrassing calls, talking to deaf ears I had a customer service representative agree to credit back one late fee if I made the payment of AED395 and cancel the charges from the Public Speaking site. At this point I was sick of the phone calls so agreed to make the payment on the provisor I'd never hear from them again. Firstly i was told I could do this by credit card...but no I couldn't use a HSBC card, then I tried my Mashreq debit card which seemed to be fine but then a few days later the phone calls started again (this didn't process even though the money was in the account). They tried this again, then a few days later they are calling again. I decide then to go to an instant deposit atm, planning to deposit into my savings account and then transfer it to the card. The result, the machine eats my card as the account has been dormant for too long. As a result, this required a visit to the branch, involving taxi fares and time wasted in my schedule which consists of a full time job, studying and volunteer work.
I deposit the amount agreed to and do not hear anything more for three months. Then the phone calls start again, I am furious and demand to speak with a supervisor immediately, after I have been told I need to pay them another 500dhs in charges. This time consisting of only late fees that have been accruing on top of each other. I advised him that I would not be paying them and that someone needed to take ownership of this problem and they were harrassing and thieving from me and none of these charges were through any fault of my own and a result of nothing other than the banks incompetencies.
The supervisor was extremely apologetic, agreed with me and confirmed that he would sort this out for me and credit any charges back to my account. The phone calls stop...for two weeks and then they start again, nothing resolved. The customer service representative asking me once again, if I can pay the charges today. I aske for a faxed copy of all the transaction details from August last year, apparently this can't be provided - he told me to check online (after I had just told him I had no access to this account online.) The branch itself told me they don't have the record either as it has moved to collections, so at this point I am being told that basically no one can provide me with a copy of my statements, which I am almost certain, legally I have the right to view. I was also told that he couldn't tell me who I spoke with two weeks ago as he didn't have access to this information, however he could contact the supervisor and get him to call me back (total contradiction going on in that sentence.) What frustrates me even more, is that I have worked in a call centre in the past, so I know how the systems work, more to the point how it should work.
It has now been two days, I have not received a call back from the supervisor or anyone else. I'm wondering how many days this will last and who will take ownership of this problem.
Can anyone offer any advice as in my own country there are procedures to follow if you want to make complaints. I don't want to speak to anyone over the phone. I want to document this in writing or have a third party involved. Any recommendations would be appreciated. :-)

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.

Many people have complained about this number but HSBC have confirmed to me it is one of theirs and uses an auto dialer.
It is a real nuisance and I have an email address for complaints. It is:
[protected]@hsbc.com
Please shoer them with complaints.

Dear Sir / Madam,
I would like to make an enquiry if this is actually legal. I am an HSBC credit card customer, and I have just recieved a call from thier telemarketing agent based in KL. They were asking if I would be interested in a savings plan they have for me. They are willing to waiver my credit card annual fees for the next 15 years provided if I sign up for thier protection plan. I would be getting back returns after 15 years and only need to pay in RM202 per month for this plan.

I asked this person how did they find my number and where did they get my information from, the person said was representing HSBC malaysia so they got my name and number from thier own system. So I further asked if I was interested in this plan, but I would rather like to gain more info on it, and requested if further info can be emailed to me. And the agent said no. So I asked if this information is available online? again the agent said no. So I asked the agent how can I make an informed decission without seeing some form of proof of this promotion or without reading the terms and conditions.The agent said that they are ready to answer any forms of clarification or details should I ask them.

NOW my complaint is, is it really legal for them to actually use my information and call me up ? Where is the privacy law in place in Malaysia, dosent it apply to this ? whats worse is that they are promoting a product that requires me to simply say Yes, without actually be able to read the terms and conditions up front. The moment I say yes, they will start charging me the RM202 in my account per month and then I have to wait for documentation to arrive. I feel like even banks are beginning to have shady deals with thier own customers, and this is not good for the trust of the customer. I hope that I am able to recieve a good response and advice regarding this. Thank you very much.

I'm so disgusting how can hsbc can hired people with drug issues and abused behavior. I was under the impression your company is a drug free environment but to my surprise this is not the case. nobody monitors their employees and their abuse in the company. I believe that random drug test should be done in financial institutions like yours.

Please check specific individual working in your tampa facilities: daniel watkins jr.

My fuds amounting to 1.5 million united states dollars are with held in this bank. am required to pay $250 for transfer but I don't have the cash. I proposed tht they deduct from what they have but all in vain. please do assist me in the transfer of the funds. my email is [protected]@rocketmail.com. bank contact is +[protected]. thanks and hope to hear from you.

Lat year around February I took out a life insurance policy for my 25 year old daughter that has a rare lung disease. I searched the internet and was contacted by an agent that sold for severalcompanies I explained to him what my needs were, he said he would get back to me, he found HSBC (new york) doesn't cover lung dfiseases but hers was listed as one that they didn't cover so I purchased it at around $50 amonth well in december my mother was asking questions about the polic so my daughter called HSBC and inquired to verify that the policy would be paid out if she was to pass away, and at which time they said "no" we don't pay if you have a lung disease so I called and told them that the representative told me it was one that was not listed so the went back to review and no it is not covered and we told them about it, so basically they stole a years premiums for entire year. I provided proof, and they told me sorry about my luck !

من توسط فردی به نام هانگ زیانگ که خود را کارمند بانک
hsbcمعرفی کرده بود به عنوان اینکه ارثیه ای در ان بانک به من به ارث رسیده توسط وکلای شرکت نوبل در شانگهای چین مبلغ 10000دلار کلاهبرداری کردند وبرای ازاد شدن ارثیه مبلغ دیگری می خواستند که فهمیدم کلاهبرداری است.من ادرس ایمیل واطلاعات حسابی را که پول واریز کردم را زمیمه می کنم.
من هنوز با ایمیل با اودر ارتباط هستم
ایمیل این فرد:[protected]@gmail.com
ایمیل وکلا :[protected]@lawyer.com

HSBC Credit Card Department would not work with my husband when we were having financial trouble. My husband asked if he could pay x amount until we got on our feet. We were in the process of losing our home. My job contract was not renewed, so I was facing unemployment. HSBC said x amount was unacceptable and kept calling for the amount they wanted. The conversation kept repeating itself. When I tried to make a payment online, to show good faith even though it was not the amount acceptable to HSBC, we were locked out of the online service since the account was delinquent.

Statements stopped coming. Threat letters replaced statements stating we will be sued for the balance. We just received a certified letter from his employer providing us a copy of wage garnishment won in court in December 2010. No letter stating when they were going to court was sent to us. My husband was not able to state his side of the story. 2000.00 in late fees was assessed on a 1300.00 balance over the cource of one year.

There is a number for everyone to call if credit card companies run by national banks, such as HSBC, are behaving badly. [protected]. You will be connected to the Office of Comptroller of the Currency. www.helpwithmybank.gov, I had no idea this office existed. I called the CA Attorney General's Office and asked who I take this matter to. The above office was given to me. The office investigates the bank to see if their dealings are outside the regulations. Call them first for instructions on how to navigate through the web site. When we find out the outcome of contacting this watchdog. I will write again.
American citizen

This website for viewing credit card account is horrible! Never up and working properly, must always call in and have the tech reset THEIR system in order to access it. Never lets you get by the login page and keeps making you enter more and more information only to bring you back the same login page that you started on. And yes I have set up my security to accept the site and talked to the It person on their end. They fix it while I'm on the phone with them and then the next time one tries to sign in the same thing happens. this has been going on for almosts 2 years and it doesn't matter how often I erset my password or try from another computer. If this is indicative of the shoddy way the GMcompany is run no wonder no one is buying their cars.

HSBC UAE have managed to screw up just about every aspect of my banking actions. I am a Premier customer but am closing all my global accounts because I am so frustrated by the lack of service and issues created by HSBC UAE.
Where do I start? The latest issue I have is that they haven't transferred the entire amount I instructed and it is taking weeks (over a month now) to tyr and sort out the problem with the Jebel Ali Relationship Manager Padma Denrich. She has phoned me at 0700 despite my instructions to only contact me by email. She has also been quite rude about the situation and opting to make a fuss about me closing other accounts, instead of resolving the issues.
HSBC UAE have cancelled my credit card and closed accounts without warning or advise or explanation to me.
There must be around 100 complaints they have generated everytime they've done something wrong yet I am never given and outcome despite many requests to be advised.
HSBC UAE have phoned me in the middle of the night and between 0200 and 0300. They had my birth date wrong after it was supposedly corrected over a year ago. The list goes on...
I am waiting for the funds they owe me to be deposited into my account before closing it.
Absolutely UNBELIEVABLE.
I am compiling a list of the "complaints" they have automatically generated and intend to publish it wherever I can.

The branch in Abu Dhabi ignore all my communications. I pay to have thd service of a Personal Relationship Manager who ignores my emails. I have an internal HSBC security protected email service - my emails are ignored. The web site publishes no contact mail address. I have written to close my accounts. My instructions are continuously ignored.

I have been trying to rectify a disputed charge for months customer service agents are inept. I have written to them many times and have gone as far as to get a letter from the vendor in question that they authorized a refund.
However HSBC refuses to remove the charge from my account. In my opinion this is the worst company I have ever had to deal with and as soon as I get this issue rectified I will cancel.

I cancelled my HSBC credit card in August 2010 by filling in cancellation card in KL. Apparently, I still money in the account which I paid extra in the earlier transaction. According to the HSBC staff that I dealt with at the time, I should receive back the money in 2, 3 weeks.
Now, it has been 5 MONTHS and still have not received back my money. Until this complaint is written I have called HSBC Credit Card Customer Service - 6 TIMES ! I called them in September, October and early January 2011. They kept on promising that I will receive back the money in 2, 3 weeks ... What is going on ? Luckily I made a copy / record of the conversation and documentation. See attachements.
HSBC - what is going on ? The amount is not even RM 100 ! When we paid late, their representative kept on bothering us, but when we need back our money, they were not responsive !