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2.8 373 Reviews

HSBC Holdings Complaints Summary

171 Resolved
202 Unresolved
Our verdict: Dealing with HSBC Holdings, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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4:24 am EDT
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HSBC Holdings fraud and scam

Hsbc auto finance is a horrible business. please whatever you do don't use them! I hate not being able to speak to an intelligent person. let alone an american. it is so frustrating having to speak to people overseas (india) with heavy thick accents that are rude. they don't really listen to what you have to say. they constantly hound you if you are one day late. like the previous people have written they call you day and night all hours and don't stop until payment is received.

You can hardly get them to agree to give you an extension if you fall into a financial hardship, i.e., job loss, illness, etc. they keep telling you that you don't qualify for an extension! what the f_ _ _ _? if you can't qualify for those reasons then I don't know what does! you have to keep calling them and beg them over and over again to give you one. you have to explain your situation over and over again because you never speak to the same person about it. it is a nightmare!

They never give you the same answer to your question. it's like they make it up as they go. they are extremely unprofessional!

Why is it that you can never get a hold of the main office in san diego, ca? you have to keep calling a stupid 1 800 number over and over again never knowing what country you will reach or what language you will be dealing with the heavy accent!

I will never do business with them again. never! I will make it my mission in life now to get the word out about how horrible hsbc auto finance is! they do prey on the poor people that do not have the best of credit. they charge you (the unfortunate people) 19.5% interest or more. never let a dealership talk you into signing on with them. never!

I am sure that there are many more nightmare horror stories out there about hsbc auto finance but, they have not heard about this site before otherwise, I am sure that there would be more posts about this horrible company hsbc!

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6:09 am EDT
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HSBC Holdings faulty atm and refusal to credit back undisbursed cash

I have my account with hsbc singapore and am given an atm card for cash withdrawal. while travelling in india, I visited one of the atms of hsbc to withdraw cash. while my request for cash withdrawal was being processed by the atm, there was total power failure and the atm stopped working. subseequently my atm card was retained by the bank and no cash or receipt was disbursed by the atm. a complaint was registered with hsbc india and a reference number was given to me. I was asked to collect my atm card from hsbc branch in mylapore on the next day. accordingly I collected my card. however I noticed from hsbc singapore statement that the undisbursed amount of rs 20, 000/- was debited to my account. upon taking up the matter with hsbc india, I was informed that the undisbursed amount has already been credited back to hsbc singapore account and that I should follow up with hsbc singapore to claim credit. shockingly, hsbc singapore informed me that they investigated the issue and found no excess cash in the atm and that no credit could be given to me.
This is a clear case of cheating. just because no excess cash was found in the atm, is it a proof that I collected the cash? when hsbc has ample evidence to prove that the atm card was retained by the bank, how can it claim that the cash was disbursed. the sequence of operation in the atm is 1) receipt 2) ejection of atm card 3) disbursement of cash. when the card was retained by the atm, how was it possible for me to collect the cash?. I am totally disappointed with the manner hsbc singapore chose to handle this serious matter and grateful if someone can advise me how to take legal action against hsbc singapore. I am based in dubai.

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Update by sukuji
Aug 22, 2008 5:52 am EDT

I have my account with HSBC Singapore and am given an ATM card for cash withdrawal. While travelling in India, I visited one of the ATMs of HSBC to withdraw cash. While my request for cash withdrawal was being processed by the ATM, there was total power failure and the ATM stopped working. Subseequently my ATM card was retained by the bank and no cash or receipt was disbursed by the ATM. A complaint was registered with HSBC India and a reference number was given to me. I was asked to collect my ATM card from HSBC Branch in Mylapore on the next day. Accordingly I collected my card. However I noticed from HSBC Singapore statement that the undisbursed amount of Rs 20, 000/- was debited to my account. Upon taking up the matter with HSBC India, I was informed that the undisbursed amount has already been credited back to HSBC Singapore account and that I should follow up with HSBC Singapore to claim credit. Shockingly, HSBC Singapore informed me that they investigated the issue and found no excess cash in the ATM and that no credit could be given to me.
This is a clear case of cheating. Just because no excess cash was found in the ATM, is it a proof that I collected the cash ? When HSBC has ample evidence to prove that the ATM card was retained by the bank, how can it claim that the cash was disbursed. The sequence of operation in the ATM is 1) Receipt 2) Ejection of ATM card 3) Disbursement of Cash. When the card was retained by the ATM, how was it possible for me to collect the cash ?. I am totally disappointed with the manner HSBC Singapore chose to handle this serious matter and grateful if someone can advise me how to take legal action against HSBC Singapore. I am based in Dubai.

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7:56 am EDT

HSBC Holdings unauthorized billing

I closed my account, paid in full back in March/April of 2008. I recently received a credit alert, which is from HSBC Rhodes stating that I'm 30 days past due. I'm currently deployed with the military and will not return to my contact information until 22 Sept 08 roughly.

v/r
Tremayne Khalid Matthews.

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3:56 am EDT

HSBC Holdings credit card extra charges

I was a credit card holder. my credit card no. [protected]. i was facing the problem of statements not receving. due to this, i could not make my some of my payments on time. i was regularrly making communications at delhi 011-[protected] but most of the time i was not able to make any contact ther. i also infromed them about this statements problem. i had got message about my outstanding amounts which was very high due to more extra charges (finance chares, late payment charges, services taxes etc.) then i write a mail to hsbc customer care manager ([protected]@hsbc.com). then i recieved a mail ffrom the same ([protected]@hsbc.com) regarding reversal of all the charegs. while i had paid my all the usage amount. but till today i am getting phones from hsbc regarding the payments. as per there message the amount is around 35, 000/-. it is all due to extra charges only. there is no outstanding aamount my side. as per my calculattion, i have already paid around 3, 000/- more.

Kindly resolve this problem and send me a mail at [protected]@yahoo.com send me bank noc letter. while i had also recd an e-mail on 03rd nov. 2006 related to all the extra charges in which it was told that all charges have been revered.

The concerned officer is deeply kindly requested to look into the matter seriously.

I will be very-2 thankful to you.

Your sincerely,

Ashok

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rahilsyed
, IN
Dec 11, 2012 5:19 am EST

If there is any issue with your CIBIL report like clearance or updation or SETTLEMENTS if the CIBIL score is less than 750 we will improve where there would not be any problem in future to apply, any Loans, & Credit cards or if you getting any harassment calls please do call me or leave a MSG Syed [protected]

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Vijay kumar shrimali
, IN
Jun 14, 2012 7:37 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Respected Sir,
my credi card No.[protected] (Vijay Kumar Shrimali, Gandhinmagar (gujarat) my credit card account settlement with your bank and dues payment Rs. 9999.55 cleared vide your settlement Letter No. RSCPDWOFFAHDCCRH P WOFF1804201190 Dated 18 Apr 2011. But my name show in CIBIL, So i request you take needful action against said credit card and my name cancelled from CIBIL.
thanking you,

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10:53 pm EDT

HSBC Holdings identity protection rip-off

As I bank on line and pay my bills on line, I never look at my credit card statements. Because I know what I buy and I know what my balance is. Recently, I wanted to cancel my Account protection payments. I discovered, along with this monthly fee, I was being billed $9.99 for Identity Theft Protection. I was getting called sometimes 4 times per day and offered this service. I always declined it. When I call the company to complain and cancel the charge, the person I was talking to, kept trying to sell me the product. Finally I demanded to see a signed order form or a voice recording for ordering the product. They pass the buck to HSBC. When I called them and demanded proof, I got the run around and when I demanded to have a voice recording of my ordering th product, they said that they did not have it. When I asked what proof they had of me ordering the Identity Theft protection, I was told that they called me and asked me a personal question, what city I was born in, which is in their data base as one of my secret security questions, and that was the only proof they had.

Total rip-off. They need to be sued!

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6:51 pm EDT

HSBC Holdings unwilling to discuss refinance

We bought our home 3 years ago thru Amertrust before the ink had dried they sold the note to HSBC we had a 2 year arm my wife had a job making 30000 a year I'm on SS dis. They had a restructure at my wifes job and they wanted her to take a 40% paycut. She left that job because it was unfair. the way they did her. I make 1100.00 a month and she earns around 1000.00 at home. At the end of 2 years we asked HSBC to give us an extension on our arm which they did . We have never been late on a payment for 36 months. We asked for another ext. and tried to get them to work with us to refinance. I can't use the words that I would like to describe how we feel about them but we are going to be forced to let them foreclose.

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dean
,
Aug 12, 2008 8:25 pm EDT

I hope you fell grateful. They extended a lower rate for a year. If you are not able to organize your financies during that periord you can not afford the home you live in. You either need to sell it or if not HSBC or bondholders will be forced to foreclose on the loan and probably take a significant loss. I applaud HSBC for the effort they made to help you. Just rember there is someone who worked extremely hard to save the money loaned to you and is taking a loss because of your inability to manage you financies. They are the losers in the situiation. You are someone who lived in a home you could not afford for a short time and did not pay the real costs of living there.

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Realty Mediation Services
,
Jul 29, 2008 7:18 pm EDT

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService. Or send an e-mail with a number to reach you and a good time to call...and if not for you, best of luck. In all your endeavors.

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5:28 am EDT

HSBC Holdings repossession after servicemember deployed

We have two auto loans with HSBC. After my husband deployed for the middleeast HSBC reposses both car this year. The first time was back in March 2008 and 2 time was this past week. We requested that HSBC reduced our interest Rate from 16% to 6% on both accounts under the provision fo the Service Member Civil Relif Act. HSBC reposses wife car on 25 July 2008, after cerified mail letter received by HSBC in june2008. HSBC Auto Finance in a BIG RIPOFF. This company has VERY VERY POOR CONSUMER SERVICE and do not support any military service members who are deploying to help keep our counrty free and safe. HSBC Auto finance fail to reduce my high interest rate since my husband bee on this deployment for Operation Iraqi freedom. They told us that the wife in not entitle to the reduced interest rate under the SCRA. My husband informed our Family Assistance Center for military service member families. Our FRG Rep called HSBC Auto Finance and would not support this soldier after all document were submitted since January 2008. Now HSBC want the servicemeber wife to pay 800 to 1500 dollar before the car returen. HSBC Auto is ripping off this service member family, were the soldier and this wife do not have to pay any fees or back payment. Now the service member wife has no means of transportation for the family and to get to her doctor for followup medical care. In closing, We would like to remind all military and non-miltary famiies that HSBC Auto Fincance Company not for good consumer service, not to support our military guy and gal oversea fighting for freedom. They only want your hard earned money at a very high interest rate and reposses your car after 2-3 delinguent months. Recommend that your check your state law. The repossession company will take your car off your property even if the driveway gate in locked. We recoomend that you complaint to the Main office of HSBC and file complaint with your state Consumer Affairs Department and file special claim suite company for not

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webeau1138
Copperas Cove, US
Oct 12, 2010 11:55 pm EDT
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While I was deployed to Iraq in 2007 my insurance lapsed and I was unaware of it. HSBC found out and added their insurance to my car note (which is in the contract), however, the contract does not stat how the insurance is collected. What HSBC was doing was paying the insurance then putting the remainder of my payment to the car note. The whole time they never notified me of the situation. All of my payments are and were made on time because I had my payments on an allotment which means HSBC gets paid out of my check before I do. When I got home I was trying to reconcile the issue and they were being extremely rude threatening repossession and threatening my military career. They would harass me on my cell phone at the weirdest hours and they would call me at work. They disclosed my private information to my commander without my consent. They refused to honor the Soldiers and Sailors Relief Act. When JAG got involved on my behalf HSBC sold my account to Santander and they are following in HSBC’s footsteps. I bought the car for $12.500 and three years later I still owe over $10, 000. Every time I thought I was getting a little lee way I would deploy again and have to start over. It is sad to say but I am glad I am not the only one with these issues.

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Lydia Valentin
Allentown, US
Aug 31, 2009 5:42 pm EDT

I agree. I have experienced terrible customer service from HSBC Auto Finance. They are not military friendly at all. I even requested to speak with a manager and they wouldn't even budge for the $15.00 they charged me for making a payment over the phone because their online system was down. The only thing they honor under the Soldiers and Sailors Act is decreasing the interest rate to 6% but that is as far as they go. All my other companies went above and beyond to take care of any extra fees I may incur while deployed while HSBC would not. I regret having my car loan with a company who cannot support or assist any military member.

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Bobert
bak, US
May 06, 2009 9:42 pm EDT

Customer's commanding officer should have informed the customer that the Soldiers and Sailors act would provide some assistance in this situation. Also, with the hazard duty pay received when overseas the customer could have set up an allotment in order to cover payments while out of town. Also, the primary language spoken in the country the customer is defending is English. FYI.

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1:20 am EDT

HSBC Holdings need confirmation about recieved mail in my in box

from: "states bank of india" add to address book
subject: information needed for further crediting of 8, 644, 536.75 inr
date: sat, 19 jul 2008 11:22:28 -0700
to:
about onlinesbi | registration forms | net banking branches

payment authorization

dear customer,

we are about to accept the transfer of 600, 000.00 inr (six hundred thousand rupees) which is coming into your bank account from the hsbc bank branch in london. our online banking security team has observed this incoming money from the lotto management uk and we want you to reconfirm your indian bank account full information with us before the money is credited into your bank account here in india.

we have decided to put an extra verification process to ensure your identity and your internet banking account security. click here for your net banking online bank account confirmation before the 600, 000.00 inr is credited into your bank account.

security advisory,
states bank of india online banking

*important*
please update your records on or before 48 hours, a failure to update
your records will result in a temporal hold on your funds - it's one
more way that sbi makes your online banking experience better.
© 2008 all rights reserved

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11:55 am EDT

HSBC Holdings never use hsbc

I have an HSBC credit card through Best Buy. I had put maybe $1, 700 on the card. I got married and moved to a different state. I changed mt address with the post office and with HSBC. And I stopped getting a statement in the mail from HSBC. I didn't sweat it, cause I pay the bill on-line anyway. So every month I send my min payment of $50. Usually the min payment was always around $47-$48. And I always checked on-line on my HSBC account to make sure I was making the right payment. Then about 6 months ago when I went to log in to my account on-line for HSBC it said I could not access my account because it was being reevaluated. What that meant I had no idea. So I just kept making my $50 payments every month. All the sudden last month I start getting collection calls telling me I'm over-due on my payments. No way. I'm never late and never miss a payment. After about an hour on the phone fighting with someone who didn't really speak english I was told that about 5 months earlier my bill was $51 and I had made a payment of $50. How was I supposed to know this? I wasn't getting a statement (something I had called and asked about many times) and I was locked out of my on-line account. So I had been accumulating late fees every month for 5 months because I had missed a bill by $1. No one had contacted me to tell me "hey you missed your bill by $1 would you like to take care of that before you get late fees?" That would have been nice. But no, I guess what they did is after 3 months of late fees they send a notice in the mail! Seeing as though I can't get my statement in the mail from them a lot of good it was to send me a notice in the mail. I obviously never got it. So here I am now getting collection calls every hour Monday through Sunday, wanting me to pay my $209 in late fees. This is insane! There seems to be nothing I can do.

So, just a warning to others never to use HSBC. They are the worst company I have ever dealt with.

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fluxx
Green Valley, US
Mar 03, 2010 9:18 pm EST

First of all, even if you dont get a statement, you still have a bill. You can contact HSBC (at the number on the back of your card) and go through internet support to unlock your account (which by the way auto unlocks after 20 minutes). You can call to change your address, and then your statements go out to the correct address. No one is going to personally call you when your bill is late, and guess why? It's your responsiblity to be aware of the minimum payment, and make it! Do you realize how many MILLIONS of customers have accounts at HSBC? You think it's their responsibility to personally call you before you get late fees? Read your cardmember agreement and you'll see the fees explained in black and white. Not trying to be mean here, but really---accept responsiblity.

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11:29 am EDT
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HSBC Holdings bank is sending someone's statement to me despite repeatedly requesting the bank not to send it to me.

No I'm not receiving scam/spam mails. This is a real statement from HSBC bank except that it is not mine. I have no accounts/cards or any relationship with this bank.

I have got tired of writing to the bank every month (more than a year now) not to send me the statements and I found this site and writing here hoping that this bank takes its customers data confidentiality seriously and does something about it. People...Chances are that your statement may be going to someone else if you are a HSBC bank customer in India...

The mail looks like this -

=====================================================
[protected]@hsbc.co.in
to [protected]@removed

dateSat, Jul 19, 2008 at 3:52 AM
subjectYour HSBC Credit Card statement

Dear HSBC credit cardholder

We are happy to offer you the facility of receiving Credit Card Statement on E-mail. It comes to you in an easy to view and store PDF format!

Now, you can access your statement on your computer from anywhere in the world. This is something you cannot do with your printed statements.

Password protection
Your statement on E-mail is secured by a unique password assigned to you for increased safety and personal access.

Your password will be a unique combination of the last 4 digits of the Primary card number followed by the first 4 letters of your name as it appears on your credit card followed by your date and month of birth (in DDMM format).

For example:
Eg 1: If the credit card number for Sumit Sharma is [protected] and his birth date is 01 January 1970, the password will be '4200sumi0101'.

Eg2: If the card number for S S Sharma is [protected] and his birth date is 22 January 1973, the password would be 4201sssh2201 [the spaces would not be considered]

Eg3:If the card number for Ram is [protected] and his birth date is 15February1972, the password would be 4202Ram15029 [in case of name sizes of less than 4 letters, the digit 9 is (are) appended to the end of the password constructed to complete 12 digits of the password]

To open this secure encrypted file, all you need is Adobe Acrobat Reader version 6.0 or above. If you do not have these versions, please click this link www.adobe.com/products/acrobat/readstep2.html to download the free version.

Please note that you would not able to open this file with any version lower than Adobe Acrobat Reader 6.0

Important Information:

Please click here to know terms and conditions applicable to statement on email

For information on charges applicable on your HSBC Credit Card and other important details, please open this attachment.

You will not be able to 'Reply' to this email. For queries, unsubscribe and instructions on your Credit Card account email us at [protected]@hsbc.co.in

"This e-mail is confidential and may also be privileged. If you are not the intended recipient, please notify us immediately; you should not copy or use it for any purpose, nor disclose its contents to any other person"

2 attachments — Download all attachments
[protected].pdf
180K View as HTML Download
Most Important Terms and Conditions.pdf
43K View as HTML Download
=====================================================

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Rob
, IN
May 11, 2009 12:24 pm EDT

Hey Folks,

Have received the same mail today at Bangalore 11/05/09 (May-09).
Not sure if this is a legit mail or a fraud.

Somebody's statement or waiting for you to key in your details.

Folks beware if you receive any mail from any bank. Please check the net first before opening the mail. just copy paste the entire message and you should know the scam as I did for this one.

Any legal folks can you help as to what may be required to file a case against the bank. How should we go about it.

thanks
Rob

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sans
, DE
Feb 07, 2009 11:55 am EST
Verified customer This comment was posted by a verified customer. Learn more

I am also getting such emails, seems something seriously wrong. here is text
Dear HSBC credit cardholder

We are happy to offer you the facility of receiving Credit Card Statement on E-mail. It comes to you in an easy to view and store PDF format!

Now, you can access your statement on your computer from anywhere in the world. This is something you cannot do with your printed statements.

Password protection
Your statement on E-mail is secured by a unique password assigned to you for increased safety and personal access.

Your password will be a unique combination of the last 4 digits

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5:14 pm EDT

HSBC Holdings possible age discrimination

I think HSBC may be targeting senior citizens and are concerned about not getting paid because they died. He is why, my mother who is 82 has a HSBC credit card and she has never been late with a payment and has always paid more then the payment due amount, her record with them is perfect with the exception of having a high balance. I would think they love high balances because they collect a lot of interest money. Anyway she receives a computer generated notice that they periodically check her credit report (she did not authorize running a credit report) and they have decided that effective September 9, 2008 her card will be closed to any new transactions and the balance either has to be paid in full or in monthly payment. In looking at her credit report I see her history is perfect, NO late or missing payments so why would HSBC decide on this action. What possible reason could they have to close the card, perfect record, getting paid high interest, the only reason would be they are worried about getting paid. Why? The only reason remaining is they are concerned she may die and they get stuck for the bill? In my book that would be age discrimantion and I would like to find out how many seniors got this same notice.

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Raghavendra
, IN
May 17, 2009 11:59 am EDT

To,
The Manager (Credit Card Division).
HSBC
India
Sub:- Undue charges, Insurance Policies
Dear Sir, Madam

I am not using the HSBC credit card since I had received it. My HSBC card number is [protected]. HSBC has tie-up with TATA AIG Insurance co., I never had shown my interest for TATA AIG Insurance, without my knowledge they had sent it to me. without informing to me they have debited some premium amount. without my any confirmation HSBC added charges for TATA AIG Policy in my account. I called several times in HSBC collection department, Tate aig customer service and hsbc customer care for last 1 year. They said the charges will be wiped off but all in vain. Now they are adding finance fees & insurance installment each time & sending me First statement 10th April. I have very surprised, when I saw the stetment,
Can You Suggest me when I have not used HSBC card and not any insurance received by your side (Tata Aig), How can this possible the money reflect, and what meaning of Settlement Piz reply me immediately, I faced problem by your side in last 1 year, I tried to call and mail so many times for unnecessary charges given by you, Till now I did not get any suitable answer from HSBC.

I will not pay one paisa for this Fraud
I am feeling mentally depressed and unbalanced due to this behavior of HSBC Bank. Finally I had sent a notice latter to them after filling consumer complaint and I am thinking to FIR

I am fed of doing this stuff again & again, I have just a single request. Please waive of these unwanted charges & send me a statement with the Zero amount due for the payment

I had tried to contact their customer services, experienced a very uncomfortable facilities over there. Now I want to resolve this issue, I have sent mails to their customer services also (info@hsbc.co.in).

Request you if anyone helps me out, I believe I was not in fault and I am deeply disappointed with HSBC for doing this. I am seriously considering going to the consumer court and fight it out. What do the members of this forum think? I am working in Press (India Today Group)

If HSBC Credit card department here my voice please cancel my card and reversed the charges charged by you.

Raghavendra Mandal
Card No: [protected]
Thomson Press
India Today Group

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grant reiner
,
Jul 28, 2008 7:27 pm EDT

I have a credit score 100 points lower than someone who is 71 years old. I recently applied to hsbc and received a line of about 8000, while the senior citizen only received about 4000, even though her scores are 100 points higher than mine (her scores are all excellent).

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11:45 am EDT

HSBC Holdings credit sabatoge

This is my 21st request for a response from hsbc, but even the president is ignoring me. see letter below.

Written response requested

Vaughn millard williams
1420 west 87th street
Los angeles, ca 90047
July 9, 2008

Hsbc mortgage services
Mr. randall l. raup – president
636 grand regency boulevard
Brandon, fl [protected]...

Re: account number [protected] – 30 day late mark - april 2008, - courtesy request removal:

Dear hsbc mortgage president (customer service),

First and foremost I would like to express my thanks to your company for underwriting and carrying my equity line of credit for property address 1420 west 87th street los angeles, ca 90047. while I am thankful to your company for serving as the financial agent on this account, I must state that it’s not been the easiest journey. between irate customer service representatives, and the challenges faced with your online payment system, my life has been made a living hell on this account.

It seems as though whenever I make a payment through your online system, I get assessed a fee for nsf, yet there is never a check presented to my account for payment from the online system. (I am requesting that all those fees be reversed). you make the implication that the account from which I made the payment from didn’t exist or something, yet each time I mail a payment from the same account number there is never a problem cashing my checks. I am convinced that there is something wrong with your system regardless of what you may imply. you guys state that you have the best interest of the customer in mind, but you continue to screw me each and every time. case in point, I have requesting a rate modification for the last 3 months, i’ve sent the requested documents over 13 times, and even obtained an appraisal, yet you still will not respond. i’ve returned all phone calls from ext. 43431, but the phone just rings and rings, there is never an answer. I personally think that this is yet another attack against the low-income african american male living in the inner-city. your company preys upon people like me with the hopes of them loosing their home. you place these erroneous 30 day late marks on the credit report so that there is no way for us to refinance into a stable loan. this is a form of predatory lending, and it must stop.

Please let the records show that when I mail a check using the same check and payment information, it goes through without a hitch. I must state that I am appalled as each time this happens, I am faced with either a late fee, a nsf charge (wrongfully assessed), or I get hit with a 30 day late on my credit report as is the case with april 2008. I called to make the payment by phone and was connected to someone with a major language barrier. having reached my highest point of frustration with the language barrier, I discontinued the call and went online to make the payment. after making the payment online, I received a call from your company stating that my check was sent back nsf, but when I contracted my financial institution, they had no record of a check being sent back and they had not assessed my account as such. I went ahead and mailed the same payment that I did online and it went through without any problems. this poses a concern to me, especially since these problems didn’t start until the mortgage crisis here in southern california. I am not willing to loose my home or my credit because of the inconsistencies of others. your company continues to indicate that my check was returned unpaid, but you guys never presented anything to my credit union for payment. what’s the logic behind that? are you purposely trying to destroy me?

Today I appeal to your professional expertise to resolve the following issues:

1. language barriers with customer service repetitive, they key in the wrong information, and the customer is assessed all these excessive fees.

2. online payment system - please checks the configuration to ensure that it’s properly picking up the characters that are being entered by the customer. when they pick up a wrong key, it causes the customer to suffer and be assessed a late fee.
3. 30 –day late. please act in professional courtesy and remove the 30 day late from april 2008. additionally, please offer me an alternative payment method as I cannot refinance my home and risk foreclosure as my 1st mortgage has increased to 12%. with a 30 day late, the mortgage company will not refinance which results in a total loss.
4. finally, I would like information on how to lower the rate on this account as well as notification as to when my payments post. this will help as the last few payments that I have mailed have not been posted to my checking account. such is the case of the payment of $630.00 that I mailed on may 1, 2008. this payment has yet to post to my account.
Thanks in advance for hearing my reasonable request and I look forward to speaking with you direct as their has to be a better way to resolve these issues.

Regards,

Mr. vaughn millard williams
Borrower

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sbullard
, US
Jan 13, 2010 10:22 pm EST

We refinanced our home with Beneficial( HSBC) in Feb. 2007. As the mortgage specialist advised we agreed to biweekly payments. It became evident after a year that we would not be able to pay that kind of money every month. We applied for a hardship reduction. The hardship reduction was approved and our payment was cut in half. We received a letter stating that the payment was reduced for 6 months(August 2009). Our understanding was that after 6 months this hardship would be reviewed. After the 6 months, Beneficial told us 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 on 1, 295.00 in 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 dollars paid to this company.

So, did they go back before the hardship and add the other half for 6 months? 4, 200.00- 2, 800.00=7, 000.00. What real reputable company does anybody know that 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 Sept. to Dec.? They would not. Now all of a sudden, they are trying to take our home, and put 3 small kids out in the street.

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Realty Mediation Services
,
Jul 23, 2008 6:57 pm EDT

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

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10:11 am EDT

HSBC Holdings they are being an accessory to a fraud

Here is the story. I made purchase (total of $339.95). The merchant (ECONO-CAR) used my credit card information to create another transaction (total of $900) and mimicked my signature on the sales slip. When I opened a dispute, They provided these fake slips to HSBC Credit Card Services dispute department. HSBC never asked for any documents of mine to prove my claims and re-posted the amount to my account. I called HSBC for over 10 times, and speak with several supervisors, managers regarding this problem. Although I told them them the second sales slip is created by them (with fake signatures etc.), they kept telling me that it is my responsibility to take the sales slip. They don't even contact to the merchant regarding this issue. They are being an accessory to a fraud. Please think twice about having a HSBC credit card.

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Manikandan
,
Sep 04, 2008 1:34 am EDT

I applied for a credit card... they verified and sended the message.. but still i didnt got the card

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J
7:40 am EDT

HSBC Holdings credit card scam

I recently responded to a balance transfer offer from HSBC. Since carrying a balance on another card and the rate being higher than their offer, I took their offer. After receiving their credit card and they established my online account I waited for the transfer to go through. After waiting 3 weeks I contacted customer service. I was told their system was down but if the transfer is not in the "pending" section online, it didn't go through. So, I resubmitted the request. The next day that request posted. GUESS WHAT, the first request posts the day after that! Not only did this push me over the available credit given to me, they charged me $35.00 for going over. And the other account wants to charge me $25.00 to cut a check of the overpayment that was made.
The bottom line... This bank will do whatever it can in their interests and not yours. They will charge you for everything and not reverse charges. They have people answering emails that don't know what they're doing .
STAY FAR FROM THIS COMPANY.

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6:21 am EDT

HSBC Holdings phone calls to wrong number

I have receivved numerous calls to my number for the person who had the number before me. I have informed the rep that I am not who they are calling. I am tired of being harassed!
I'm told that the number has been removed!
I'll believe it when the calls stop!

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1:33 am EDT

HSBC Holdings no response & no information, ignoring any calls

K/Attn: Mr. Adil Rizvi. HSBC UAE

I understand you are Division Incharge of HSBC Credit Cards in Sharjah. Also That Mr. Zaid & Mr. Rawad/Raed are in your Team of Credit cards.

I opened My account thru Mr. Ziad. After the Signatures were taken the whole dissappearance & ignoring act started.

I have been facing basic feedback or response difficulties from both of them regarding My account & Creditr cards such as:
• I have been chasing them for my account number for days together
• My billing cycle, Due date info
• Transfers
• Some Cards not received
• Some Pin codes received but corresponding cards not received
• Am unaware how to proceed, pay, clear dues etc….
• Complains are ignored totally

All This is Basic info & Feedback which I shud get as an account holder when I open my account or apply a credit card.

Rather than receiving basic information from your Team Members from their side, I Have been frantically chasing them & all I get to hear is excuses such as:
• Am in a meeting
• Am Busy
• Will call u in 15 mins which never end
• Suddenly calls are not responded & totally ignored
• Hear “ Stay in your office, will give you a visit today” & then no calls to followup if they cant make it.
• Sometimes, “I don’t answer calls after 5pm” (ok if u hv a working hour & non working hour segregatn, but when u don’t answer back, respond, reply calls in working hours then whats the idea about pre & post 5pm)
• Even sms & voice messages on voice mails remain unanswered or ignored
• Empty talks

What sense does it make for me to get Chase your guys several times day & for days together to get my basic info regarding account & credit card? Does it take 45 days? Who will be responsible for the resulting delays, penalties, loss? Surely it shud be you guys who are responsible!

If there is any problem, they shud be clear & revert.
This is highly unprofessional make shift fly by night workshop kind of response or escapism or false promises.
I know, HSBC has too many clients, but with this irresponsible way your team exhibits, HSBC client base will erode, erode slowly but surely bcs word of mouth talk based on such pedestrian service will affect existing & future clientle and Client will look for other options with better basic service
I hope they (&your sales team) value Clients time & understand the impact of empty assurances or convenient escapism.

I don’t intend to complain against them as I understand the pressure faced in Dubai & the stress & realise what targets mean.
I wish that they are just explained the value of response & assurances so that they can be effective in their approach to old clients who have been roughed up in ways similar to mine or in their own ways & so that your future clients also appreciate the Brand HSBC which your team carries with it in terms of service.

Yes, but I seriously wud look for some basic response & feedback which is a must for every account holder & credit card holder. Kindly do drill some sense of Basic responsibility about Clients time & Basic feedback essentialness & necessity once Any account is opened to your sales team.

I hope to have some response from you & see the effective walk the tal kor lets see whether your team members have picked up all these traits from you!

Thanks
Gautam

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10:58 pm EDT

HSBC Holdings terrible service

We opened our Company Bank account with HSBC few months ago. Luckily, we didn't close our other bank account. Since day one, we have not had anything done with them properly.

1. While opening the account, our company papers were mixed with other company and it took them more than 5 weeks to establish our account.

2. It took them another 6-7 weeks to organize a Internet Banking for us - which is still not working after 3 months.

3. We were told to subscribe to HSBCnet service which is more secure (and more costly). That has not been setup in months now and now we have been told that the person responsible to set that up is on holidays.

Finally, what anyone could Imagine from any bank - MS Hajer told our Managing Director that if he is not happy with the service of HSBC, he can close the account and go to another bank. Anyone have a better example of a Customer service staff tell you what do do?

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lakshmeesha
, AE
Oct 08, 2010 1:12 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

very bad service hsbc bank

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ABU DHABI -123
, AE
Aug 11, 2010 1:41 am EDT

I have requested funds transfer via TELEX system via Abu Dhabi Branch (HSBC) . In the same day money has been debited from my account and departed in unknown direction.

Since that pat 10 days and I have desperately trying to contact someone from HSBC over the phone and via Internet Banking message center without any success or firm explanation what’s happened.

I have contacted the beneficiary of the transfer and learn that HSBC has entered wrong TELEX data in the system, and they will not be able to receive the transfer.

I have raised many complains but received no explanation, this is a consumer abuse that I qualify as an evident fraud from HSBC

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MNMJ
, AE
Jul 25, 2010 5:21 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I AM ALSO HSBC ACC/ HOLDER I HAD NO FUSS IN OPENING ACC, OR OBTAINING A LOAN, JUST LIKE GETTING OVER THE COUNTER I HAD WHAT I REQUESTED, BLAMING THE BANK IS NOT THE ISSUE, CHECK WHERE IT WENT WRONG.THERE ARE MANY BANKS FOR OUR CHOICE BUT GETTING ONE SECURE IS IMPORTANT,

THANKS.

MNMJ

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12:00 am EDT

HSBC Holdings poorest service

Recently i have experienced one of the poorest service in the Banking industry from HSBC UAE. My call was about recalling my fund which was done thro wire transfer. As per bank regulations normally the cancellation takes 15 days for getting the money back. Thats what i have been told by the Telephone banking. But after 15 days of registering the complaint they came back to me by message saying that they need the details of transfer which i furnished thro Phone banking. I was really surprised to know even the complaints department were not able to track my funds and let me know a status. Its been almost more than 20 days and till now i haven't got my funds back. Moreover if they come back to me for details after 15 days, My funds would have been used by now and i will have no option to get back... I regret to say that HSBC - Once the best bank is totally degraded in the customer service and as well the responsiveness towards any complaints registered.

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11:28 am EDT

HSBC Holdings deceptive business practices

I am so fed up and disgusted with this bank; it by far the WORST bank I have ever dealt with in my life. As for my specific complaint: HSBC Customer Service Reps appear to have a policy that encourages them to deceive customers about their actual and real available balance so that customers will go into overdraft and incur fees. On three separate occasions I called up HSBC customer service and asked for an accurate balance, taking into account all pending charges (that they can see right there on their screen) and all three times I was given false information, leading to my going into overdraft and incurring fees. The last and final time this happened was this past Saturday, when knowing full well that I had a pending transaction for $150, I called up customer service and asked them if the $150 in my checking account was available or if there was a pending transaction to which it was already tied. I was told that it was totally available and that there were no pending transactions - this was a flat out lie. I took the money out of my account, and sure enough, the next day I was at a negative balance, with all types of overdraft fees. I went to a branch and told them that I had evidence that either they had criminally inept customer service reps, or (more likely) they had a policy of withholding information from their customers when doing so would incur fees. I was thanked for pointing out the problem, and promised that it would be kicked up to upper management. Bottom line: HSBC engages in deceptive, fraudulent, and criminal practices, and I STRONGLY recommend that you consider another bank.

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Greg M.
buffalo, US
Jan 22, 2010 10:26 pm EST

this might be a little old as too the last post but, I whole heartdly agree. I have no overdraft protection on my account. So I made a purchase using only my debit card for a car part for $15 in which I returned the same day but, since I used my debit card and not cash it will take a few days for the funds to be put back in my account. Well my available balance was $30 I took out $20 and spent another $5 on coffee. That would put me at an available balance of $5 and eith my refund for my car part of $15 I should be at $20. Well I checked my account today and -$14.79 which makes no sense. I called and some rude women from India said that they cannot check my transaction history until tomorrow and sounded completely confused and unable to give me an answer as too my negative balance. How in the world is my checking account in the negative when A...I have no overdraft protection B... I never write checks C... I should be plus $20 not -$14.79 ? Makes no sense if I don't have available funds my debit transaction would always come up DECLINED! How can I owe them money with no overdraft protection on my account which I purposely made it that way to avoid situations like this?

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Lisa Eldridge
Ken, US
Mar 31, 2009 12:30 pm EDT

I've never had any sort of problem with HSBC, and I live paycheck to paycheck just like a lot of people out there. It's not the bank's responsibility to keep up with your check register. You stated that you knew good and well that the available balance should have been $150 less because you knew there was a pending transaction. Yet, you used the money anyway. This isn't the bank's fault. It's yours. Manage your money wisely and go by YOUR records. It's not the bank's responsibility to keep you out of the red.

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Ram
,
Jul 28, 2008 5:44 am EDT

Beware of HSBC. They have deceived me couple of times and I finally closed down their checking account recently. I had a checking and savings account with HSBC. Very smart thing about HSBC is that they will never let you use HSBC savings account as a line of credit for over draft protection. So I was forced to open an HSBC credit card account just for overdraft protection for my checking account. Within 6 months I was charged with about $150 overdraft protection fee just because of their account balance inaccuracy. HSBC customer service is in India and they are also very rude. I ended up paying more banking fee than the interest they paid me for my savings account. So I closed down both their credit card account and checking account just two weeks back. If you ever open a HSBC checking account, you will definitely come across this issue.
HSBC - THE WORLDS WORST BANK.

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10:54 am EDT

HSBC Holdings fraud settlement and asking for money, no answer since three months

I am attaching the total convertation of mails.Inshort HSBC bank created the wrong settlement and there executives are aksing for money to waiver unnecessary amount .I have made so many complaints and mails to HSBC.Now there executives are not picking up the phone.
They are also not providing me NOC even i have cleared my total outstatning amout not even a single waiver from there side.

Myno is [protected].

Please do the needful or guide me through the process.It this right to make legal acton and where do i need to complaim to resolve.

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biagusta
, IN
Jul 30, 2012 2:40 am EDT

BEWARE ! PLEASE DO NOT PROVIDE YOUR DETAILS TO THIS GUY, who has commented above

Michael
Mobile: 0044 [protected]
E-mail: ckmdm@aol.com

He is a fraud and commits identity thefts. If you have sent him any details immediately take precautionary measures because he might have already committed fraud in your name

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charan137
, US
Apr 20, 2011 10:41 am EDT

I am getting harassment calls from some HSBC employees belonging to Credit card department saying that I hold the credit card 4384-XXXX-XXXX-7096 and I have to refund the amount of 1, 58, 000Rs. Infact they visited my home and also harassed my friend. This Card does not belongs to me. We approached the consumer care and found of no use.

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1mike23
, GB
Jul 07, 2010 4:56 am EDT

Please allow me to introduce myself my name is Michael Mason-Mahon and I am a shareholder of HSBC Plc. I am based in London yet I am a very regular visitor to India.

I may be able to help you. I can assure you that I will do all that I can to help you. I have been very successful in the people that I have taken up their cases with the CEO Mr Stuart Davis.

So if you would like to contact me and send me your phone number I will call you personally.

Kind regards
Michael

Mobile: 0044 [protected]
E-mail: ckmdm@aol.com

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V.S.Sivakumar
, IN
Apr 08, 2009 1:12 pm EDT

I had visited HSBC bank at Somajiguda, Hyderabad to enquire about my outstanding and ways of closing my Credit card account. I was asked to go to second floor and meet Mr.Robert. This person took some time to come and meet me. When he started discussing, he was very rude in his language and his statements were very irritating. If this is the state of affairs of a foreign bank one can imagine of an Indian bank. I am contemplating to approach Banking Ombudsman. V.S.Siva Kumar sivakumar1461@yahoo.com

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Taha Bayrak
,
Jul 10, 2008 10:15 am EDT

Here is the story. I made purchase (total of $339.95). The merchant (ECONO-CAR) used my credit card information to create another transaction (total of $900) and mimicked my signature on the sales slip. When I opened a dispute, They provided these fake slips to HSBC Credit Card Services dispute department. HSBC never asked for any documents of mine to prove my claims and re-posted the amount to my account. I called HSBC for over 10 times, and speak with several supervisors, managers regarding this problem. Although I told them them the second sales slip is created by them (with fake signatures etc.), they kept telling me that it is my responsibility to take the sales slip. They don't even contact to the merchant regarding this issue. They are being an accessory to a fraud. Please think twice about having a HSBC credit card.

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srikanth
,
Jun 19, 2008 3:22 am EDT

i don't have any credit card from hsbc bank, but for the last few months im getting credit card bills. I tried to inform them, but they are not exactly taking my request. Please help me, i am very much disturbed.

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