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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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12:00 am EDT

HSBC Holdings harassing phone calls

3 to 4 times a day, 7 days a week keep getting a phone call from [protected] (HSBC) on my cell phone. When I pick up, all I get is a silence for a few seconds and then a recording... Never spoken with a life person...

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Lisa Ritch
, CA
Mar 20, 2013 1:07 pm EDT

I purchased furniture from United Furniture last year, on a 12th month no interest plan. At the point of sale, the month and day were entered incorrectly making the payment date February 6, 2012 instead of June 2, 2013. I have spoken with the store manager who sold the furniture and he has changed the dates in the computer (Brandon Daiken) @ the Brick/United Furniture in Peterborough and he had apologized for the situation. I did all the leg work for HSBC to rectify this situation and still received harassing phone calls after the problem was rectified. I had to provide HSBC with the contact info (REALLY) and they are still calling 5 times a day. I want this situation looked into immediately. Call the Store and speak to the manager name and company provided (You can look the number up yourself). I will not make a payment until it is due

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no sleeping nish
Thunder Bay, CA
Jul 08, 2011 3:05 pm EDT

I have been getting phone calls from hsbc since June 25 2011till present. They have me "hold" when i answer the phone. Rude if you ask me. They ask for my wife, i say she not available, they hang up not telling me who they are or who they work for. I asked during one of these calls who they work for. Immigrant worker by the way. I find out hsbc and he can't give me the nature of the call. Everyday i get a call from one of their numbers. I work nights and told numerous reps from their call center so, and that they are disturbing my nap. I got a call again this morning after working a night shift and just falling asleep. I also have three kids that I must care for after work. So i try to nap till they wake up. No dice, phone call from who...hsbc call center. Give rep a piece of my mind...he hangs up. Call back the number cannot complete the call... Call hsbc 1-800 number in the phone book ask to speak to a supervisor...put on hold for ten minutes. I tell the supervisor my situation. She says she is sorry, but the calls will keep coming till they get a hold of my wife because they can't give me information on what the call is regarding.. I told her the calls had better stop, because their is harrasment laws in Canada, by this time I am furious and starting to use profanities with her while telling her to stop the calls. She says there is nothing she can do and recommends telling my wife to call them back. Like I said we have 3 kids and no time for this BS. I work nights and nap any chance i get because i have to stay awake with 3 kids till my wife finishes work when she resumes care of our kids and takes them out to visit with family or friends while i try to get some sleep. HSBC calls again...no more nap for this guy... The problem is they call everyday twice a day and my wife is not home to take the call. Very distressing for me because i get no sleep before i go to work. Hopefully the calls will stop. Gave my wife hell because of their antics and she is going to call on her "BREAK" while at work. Probably be on hold for most of her 15 minute break to speak to a rep. Well we'll see what happens next.

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Lisa
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Oct 26, 2008 5:15 am EDT

First thing first, Yes i Have a debt with HSBC. Incurred from a previous mortgage, and a husband that was diagnosed with cancer and is unable to work. I have consulted with the local Citizens Advice Bureau who have taken on my case in regards to settling my debts, and getting them paid off.

A letter was sent by the CAB to the bank explaining that I couldn't afford a full payment each month and explained what I could pay. The CAB even sent a record of my income and outgoings, which clearly show that I cannot afford to pay any more than was offered.

My house is on the market, so when sold I should be able to pay off all my debts, but alas with the economy how it is at the moment, it's taking a long time!

About 2 months ago I started receiving phone calls from an 0800 number and when i picked up no one would answer on the other end. after about a week of silent calls the frequency off them upped to about 6/7 times a day on the house phone. If we didn't pick up the house phone they'd phone my mobile number.

So for about 2 months I have been receiving about 10 calls a day total, and each time I tell them of my situation and there's nothing more i can physically do at the moment, and within 10 minutes they're on the phone again, completely unaware that I'd even spoken to them 10 minutes ago.

Basically, would this be classed as harassment and is there anything i can do about getting them to stop calling.

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kbsd
Alpine, US
Mar 03, 2010 11:11 am EST

I have a credit card through HSBC and I am over my limit, but I am not late on my payments. I receive 18+ calls a day, 7 days a week from this company. The calls always come in two's. Meaning they call, I don't answer and they call right back. This is happening two times every hour from 8am until 8pm. This is harrassment! Especially considering I am NOT LATE on my payments. I have everything documented and my cell phone records to show for it. Oh yeah, they are calling my cell phone! I want these calls to stop and when I discussed it with HSBC, they tell me there is nothing I can do. Can someone help?

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HSBC Hater
Thunder Bay, CA
May 15, 2013 12:54 pm EDT

I have a car loan through HSBC and it has been the worst experience dealing with a financial company in my life. Their "call centre" is a joke. All I need is the balance of my car loan and when the last payment will be. 5 years is up soon. They switched around their auto finance dept a few years ago and now my account # doesn't exist anymore. They told me my loan was tranfered to Scotia Bank, which it wasn't. They transfer me from one toll free number to another just to be put on hold again for 20 mins, then be told they can't help me. HSBC has automatic withdrawl from my account. They take the money out every month & yet they tell me my account does not exist and I can't get any information from them! I feel like I'm dealing with organized crime or something. I wouldn't be surprised if they keep taking payments out of my account after the loan is paid off. Guess I'll have to close my account to get their attention. But, hey, they have no record of my loan so I guess it doesn't exist. I will Never Ever deal with HSBC again!

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karma6
Thunder Bay, CA
Apr 03, 2012 1:27 pm EDT

there are no human rights in Hong Kong, head office of hsbc...

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karma6
Thunder Bay, CA
Apr 03, 2012 1:26 pm EDT

my experience is there are no human rights in hong kong

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intellex58
, US
Jul 09, 2011 2:09 pm EDT

A sure fire way to make the calls stop is to have your deadbeat wife pay her bills. Glad to know ###s populate the world not just the US.

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orcapod
Campbell River, CA
Jul 17, 2009 7:34 pm EDT

I would call it harassment. We have a few credit cards that run through HSBC, and if we so much as miss the payment day by 1 day, they start calling. Half the time, if I pick up the phone, there is a recorded message telling me "that my call is important to them, and for me to stay on the line as it would be faster than hanging up and dialing again."

Ok, wtf? I never called them, they always call me.

[protected]

That if we pick up the phone and there is no one there, and we hang up, they call right back. Sometimes like you said up to and over 10 times per day, even if we have spoken to a CSR. They even phone if I have made a payment, and then they want more...cause they can't be too sure that i did make the payment even if I give them a reference number. So, yes what you are experiencing is harassment. They suck large.

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Jenn Burns
,
Nov 15, 2007 10:07 am EST

To say I am out raged is an understatement. I received 14 calls a day.. not 1 or 2 but 14! They do not leave any messages and call from a private number! Needless to say the phone calls started at 7:30 a.m. until 10:30 p.m. These phone calls were to say that I insufficient funds and owed the bank over $100. You would think it was 1million dollars. After a 46 minute phone call (21 mins on hold) I was told that I do not owe them any money at all. I checked with each department to make sure this was true. We will see if it is soon enough. If you are looking for a relationship with this bank all you will get out of it is a headache. Many customer service reps are nasty and disrespectful. I recommend you taking your business elsewhere, I am now. Also, HSBC stands for "Hi Sorry Bank Closed"... the bank is NEVER open... and forget about going during lunch time.. they have one teller working between 12pm-1pm.. don't believe me.. go see for yourself, then run away.

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12:00 am EDT

HSBC Holdings unwanted phone calls from hsbc

I get 8 calls a day, even on Sunday from HSBC, they are for my daughter who does live here... who can I call to stop these calls?

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260753
, IN
Sep 16, 2009 7:26 am EDT

surely...even my sister is getting calls...its tottaly ###ed up now... they will be soon in danger if the calls dont stop! any solutions to it?

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Joyce Morris
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Nov 08, 2008 1:08 pm EST

I am not nor have I ever been a customer of HSBC, yet they call me several times during each day beginning at 08:00AM and ending by 10:00PM. It does not matter that I tell them that the person they are asking for does not live at this house and to stop calling me. I just retired and moved to this location and simply wish that I could enjoy my retirement without all of the constant interuptions.

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John T
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Dec 28, 2007 10:46 am EST

This is totally correct. HSBC will ignore your demands to stop calling, and will never leave a message on the machine. I have seen several numbers, most often [protected]. I went online and took my home and work phone numbers off of the account and put on my side business phone number, which is on a machine all day and does not ring audibly. i did this today; we'll see if this stops the harassment. I get calls even after a payment is made; they start on the due date, even if the payment is made online and I can see it on the screen.

I have also read that FDIC collection practices specifically prohibit this kind of harassment. I don't know if there are liquidated damages available under that law / regulation, but if there are, there has to be an attorney somewhere who's willing to file a class action lawsuit!

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max
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Sep 21, 2007 6:32 pm EDT

I'm getting a half dozen calls a day, for 5 days running. I am not a customer of theirs, it is a wrong number. I confirmed this to them on their second call, yet they called back within 30 minutes and repeatedly asked for someone who doesn't live here and I don't know. Each CSR claims to have "completely removed my number from their systems".

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Albert Garcia
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Jun 22, 2007 1:29 pm EDT

I too am having the same problem with my cell phone. About five days ago HSBC has started calling at about the same time every day. I have made several attempts to get them to stop calling. I have had this cell number for several years and I have just started receiving these calls. The number they are calling from is [protected]. If you call the number you are greeted by an automated machine that indicates that they are with HSBC. Also if you Google the number you get a hit for a HSBC website.

I would greatly appreciate it if someone could post a solution to this problem.

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GINA CORNELIUS
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Jun 12, 2007 7:49 pm EDT

I am in the same boat. They call my husbands phone a ridiculous amount of times from the 1st to the 15th of the month. A lot of times it will be at least 10 calls in 1 day in half hour intervals. I finally answered the call just to complain and talked to some woman that sounded like she was in India. I had also checked my bank statement online and it said the payment was taken out of my account on the 5th of the month. I have NEVER had a late payment.. yet they still proceed to harass me. I said.. "Well, there IS a 15 day grace period, I don't think I should get a call until the 15th day if the payment hasn't posted." She says " Well, are you aware that's it's already the 12th?" NO DUH LADY!

Yeesh, this company makes me mad. Being a first time homeowner I'm new to this, but I can't take this company and I want out of their clutches! If anyone has any good advice on a way to get them to stop calling me that would be GREATLY APPRECIATED!

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12:00 am EST

HSBC Holdings personal loan emi deduction

This is bhaskar rao mylapalli from hyderabad. I have preclosed my hsbc personal loan and even after that monthly emi has been deducted from my bank account. I have suffered a lot with this irresponsible transaction done by hsbc. due to this reason cheque worth rs.6692/- that has been issued on my credit card was bounced and I could not pay my credit card and other bills on time. I am facing a lot of financial problems due to this wrong transaction.

I took personal loan (a/c [protected]) rs.3,30,000/- from hsbc, hyderabad branch in the month of april 2006. I met the hsbc representative on 5th feb 07 and I gave him a uti cheque (no:811042) worth rs. 3,12,363.00/- as per the loan foreclosure calculations he gave me. after receiving the cheque, representative said that it would take 5 days for cheque clearance and 10 days to get a noc letter from hsbc. loan has been closed on 10th feb 07. and monthly emi rs.7936/- has been debited to my bank a/c on 12th feb 2007. I called hsbc customer care on the same day and she said the amount that has been debited would be credited back to my account within 7 working days. this is not happened till today and even I didn't get pre closer letter.

Fyi: if hsbc representative had tell me that monthly emi would be deducted even after closing the personal loan, I wouldn't try close the loan and will close it after emi get deducted from my bank account.

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12:00 am EST

HSBC Holdings preclosure of personal loan a/c - customer harassment

I live in Vikas Puri, New Delhi-18.I took a personal loan from HSBC Loan A/C No. [protected] for 5 yrs. On 9th dec. 2006 i made a request for a pre-closure of my personal loan a/c. I was told that on 15th the letter has been dispatech to my emailing address. But till date i have not received the letter. I know the HSBC'S intention behind this ,is to get more and more interest against my loan as i wanted to close the a/c quickly.

When i visited the punjabi bagh branch on 23rd dec, 2006 without the pre-closure letter they refused to accept it. My complain was again registered for the pre-closure letter and i was told that they will get a feedback on this complaint by 31st dec,2006. That mean that i have to pay the interest as well till that date or beyond the date when i have the pre-closure letter in my hand.Even when i have cash in hand and i wanted to close the a/c on 23rd dec. as well when i went there with the cash, i can't do anything. I am trapped here. Stay away from HSBC!

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Dhananjay K Tiwari - PL Pre-Closure requ
, IN
May 12, 2011 4:11 am EDT

My Name - Dhananajay Tiwari

I took a PL from HDFC bank, of Rs. 1, 50, 000, and now i wanted to preclose the PL, the Bank is refusing my Request, I am also ready to pay 1 year interest or penalty, still they are not accepting my request.

Kindly help me, regarding the policy / law for this

My contact details [protected].

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Sandhya
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Jan 07, 2007 10:23 pm EST

Reading this post let me share my experience. I had taken a personal loan from citibank. I had a quite quick response from them when I applied and even the processing went on with out any trouble. Later when I too wanted to pre-close the loan, I went online and found that the process is outlined very thoroughly. I too had to give a month's notice to the bank, but that is clearly mentioned on the site. And then all the procedures were completed in the month (although they tried hard to make me take an additional loan). I stated my intention to them by 20th of the month and the process was over mid next month.

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12:00 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

HSBC Holdings this company needs to go away!

I have a Best Buy card through HSBC that I have been paying on for 3 years now. I usually pay double what is owed every month. With very little exception, I have paid on time. December of 2005 I switched back from sending checks to electronic payment through my bank. My minimum payment of $19.00 was due on 12/03/05. They state they did not receive my payment until 12/08/05 (I believe they received it, they just did not process). They charged me a late fee of $29.00.

For the sake of argument, lets just say that the fee WAS correctly applied. My next due date was 01/02/06. The total due (because of the late fee) was $53. The payment that they received on 12/08/06 was for $50. I sent another payment that they received on 12/28/06 for $43.44 which brings the total received to $93.44 when only $53 was owed.

They charged me a late fee on 01/02/06, even though they received $40.44 more than they state I owed them! During this time I was unable to receive mail so I did not immediately catch their mistake. I simply kept making payments. My monthly payment should have been $19.00 each month. My next due date was 02/02/06, and should have rightfully been a $19.00 payment. They received $40.00 on 01/19/06. Yet again, they charged me a $29.00 late fee.

I paid them double what was rightfully owed every single month, but they kept tacking on a late fee every month! Now, by the time I have fully realized THEIR mistake, my "minimum" balance due is around $200! I have paid them over $280 in the last 6 months, and my balance has actually INCREASED!

I wrote to HSBC and explained the situation, gave them the dates and amounts paid (which was taken from THEIR statements once I was able to check them online) I received 3 letters back from HSBC.

The first letter stated that my account was billed approximately the 8th of the month. Ok, thanks for that. The second letter stated "We are unable to honor your request for a late fee waiver at this time. The total minimum payment is due on or before the payment due date appearing on your billing statement". No kidding, and you received $40.44 MORE THAN THE MINIMUM and STILL charged a late fee.

The third letter stated "We are unable to comply with your request to delete certain information from your credit report. HSBC reports information that relates to the actual credit experiences we have had with our customers". Baloney. They are trashing my credit because of their mistake. Even in the face of absolute proof, they refuse to correct their mistake.

This company needs to go away.

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Robin Moore
Bradenton, US
Mar 10, 2010 3:57 am EST

HSBC took over my Suzuki account and now i get late fees all the time. i usually send the payment out the friday after i get it that is what i did before they took over and for some reason it is late so than i started sending the payment before i got my statement and omg the check would clear before the date showing 2 payments on 1 bill i send the check the day it says and it takes them 10 days or more for it to go through giving me late fees than i send it 3 days before it is due and it cashes in 4 days giving me late fees i call they say they cant help its the post office so i sent 1 delivery confirmation and for some reason the post office got it there in 2 days and i got no fees i work for the post office and it is not them u should be able to send the check out 5 days before and it should get there in time this is the only company that i have a problem getting payments to on time why is that out of at least 15 different bills i pay by mail is this one having such a problem!

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Jacob
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Nov 21, 2008 6:29 am EST

We have paid on our Best Buy card on time for the last 2 years. They keep charging us fees after fees. Late fees after late fees. When we ask them why they say we didnt pay on time but on our bill it says that we paid on time but there is still a fee applied.

Then about 4 months ago we get a call from a collections agency! I was like WTH! He said that HSBC had placed out account with them because we are not making on time payments. Um...YES we are! It says it on our bill! The guy was really rude to us. We are being harrassed by them now and have had to hire a lawyer. It's a mess.

NEVER EVER get a best buy card or anything that goes through HSBC.

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ivolyn
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Nov 17, 2008 10:51 am EST

i have sofa from tham that iam paying on and my blance never change ever time i call thay spoke to me so bad thay call me at night and sunday early in the morning late at night idont know what to do

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K Glona
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Jul 29, 2008 7:26 pm EDT

This company took over for GM Cards and everything I have read is correct. It seem no matter how hard you try to pay on time they will find a way to make it late. I went to online bill pay and went to pay it the day before it was due and said it would be credited late. So I had to pay extra 15 to have it credited on time. Then I reviewed statement it still shows it was late, but then they credited the charge back but they still charge it against you. This is the only company that has ever been a problem for me. Calling and writing them get you no where.

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Adam Lamb
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Apr 01, 2008 12:16 pm EDT

Yea well I just sold my bike and got scammed and I think they are in on it. I did a check by phone with the guy I sold my bike too and they told me it went threw and I had a zero balance. Well then the next day as I am driving to delever my bike to the guy I call and it still says zero all the way up till today and now it says I have a $7000 balance. And now i cant find the guy. So does anyone know what i can do?

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Samantha
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Jan 19, 2008 8:57 am EST

I personally dont have a credit card with HSBC but I see why Matthew is upset as a consumer myself, however you must remember even if you pay $500 on a $5000 balance every month and your pymt due was only $100 that doesn't give you the right to deduct the amount if you so chose for your next payment even if you feel that the late fee or any other fees are not legitimate. If you are ever having a problem with making pymts with a company and you "feel" they are holding your payments, get setup on an autopay with that company or your personal bank, you must remember it's always a choice to use a credit card and don't forget these companies are banks and they are here to make money, and this is a loan just as your house payment is I do have other CC but I always remember they are banks and if I slip up once they will nail me, so if you chose to have a CC you have to take it upon yourself to make sure your pymts are rcvd timely b/c the postal service makes many errors, I know I work there.

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Burrowes
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Dec 13, 2007 6:29 am EST

I totally agree... this company needs to vanish!

I had a Rhodes account with HSBC that I paid in full and closed in Feb of 2007. In June of 2007 HSBC decided to erroneously report to the credit reporting agencies that my account was past due. They have yet to correct their mistake and I am at risk of having the financing of my new home fall through if I am not able to get them to confess in writing to their mistake! I have spoken to supervisor after supervisor all to no avail. I am at my wits end with these people... CREDIT IS SLAVERY! and don't let anyone tell you any different! You buy your way out, they let you think you are free for just long enough to let your guard down, then they kidnap you the next state over, steal your "free papers", sell you back into the system and the burden becomes YOURS to prove that you were once free...

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12:00 am EST

HSBC Holdings hsbc personal loans are cheats!

I had approached HSBC in Bombay for a personal loan. Upon approaching them, they promised to get me the loan within two days and the lady officer gave me a list of documents which I was supposed to produce. After submitting everything I waited for the verification process.

The verification process took forever but somehow got completed. Later after 1 more week I was asked for more documents - like no objection certificate from my Uncle in whose house I was living. Then one more period of waiting after which I was asked for my Form 16.

This process lasted more than one month and finally I was informed that my loan was "approved" and a person was sent to my house to collect security cheques. Once I gave the cheques, the disbursement never came! I kept on following up with the executives and they kept saying that there was one small delay, but declined to tell me what it was. After 15 days I got exaseparated and asked for my chqs back. It has been 10 days after since incident they have neither given me the cheques back, nor have they disbursed my loan.

I would advice any sane minded person to refrain from approaching an unprofessional bank like HSBC for a loan.

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Srinivasa RAo
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May 15, 2007 8:05 am EDT

I don't want to complain about anything i rather want to appreciate the service that HSBC has given me. I am impressed by the service rendered by one of the sales manager of HSBC Mr. Bobby Francis. He had been very kind and soft enough to handle my case though the loan was delayed but still he made every effort to keep me updated of the status from time to time.

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Bhakti Wable
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Mar 28, 2007 5:31 am EDT

I have availed of a personal loan from your bank amounting to Rs. 2,00,000/- in the month of February from the Bund Garden branch, Pune. For availing this service, the contact person was Mr. Niresh Patel (Mobile no.: [protected]).

For repaying the loan amount, I have submitted a document stamped by CitiBank-East Street, Pune from where the ECS will be carried out. HSBC had requested me for providing the payment option as ECS debit.

In spite of having the funds in this account before 10 March, which is the first EMI, HSBC has not withdrawn the amount from my account. An associate of HSBC from the Collection department namely, Mr. Sachin (Mobile no. [protected]) had come over to my residence for recovering the same. This Mr. Sachin informed me that there is some internal problem the bank has regarding the ECS facility. I got the same reply from Mr. Niresh Patel (Mobile no.: [protected])..

I would like to know why was this not communicated to me when I availed of the loan and why ECS debit was suggested in the first place. Since I have the requisite funds in my account, I am willing to repay the loan in whichever mode you prefer. However instead of suggesting how I should repay the amount, the HSBC recovery persons are harassing me and my family.

I don't appreciate the fact that HSBC Collection associates came to my residence and called me when the problem lies with HSBC.

I am extremely unhappy with the way HSBC associates have handled this issue.

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Rajeev Chaudhary
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Mar 14, 2007 2:36 am EDT

I have applied for Personal Loan of 2 Lacs through the HSBC bank. File has been filed by the DSA with the given address below.

Effort Marketing.
B1/A12 . Mohan Cooprative. New Sagar Ratna, NTPC.
Phone- +[protected]
+[protected]

The final contract was signed 15 days and I have already received an intimation of the final approval. They are saying that the Pay Order is being dispatched. But It already Fifteen day that I have not received it. I have given many call to the office, but they cut the phone whenever I called up. They are ruining my life.

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12:00 am EST

HSBC Holdings unwillingness to settle the account

I have a credit card of hsbc. I had been making my payments on time till I got transferred. I informed my change in address to call center but I did not receive any statements for 4 months.in the meantime I was constantly following up at call center.in the meantime hsbc did not send me any statement and started charging late fees to which I objected as I had a right to information before paying my bills. now I wish to finally settle my account but hsbc is again lingering to take payment from me and constantly changing statements. I am willing to pay anytime in a single shot to hsbc. I am fed up with the way these guys are working!

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Eric
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Mar 12, 2007 1:29 pm EDT

I have heard this many times and I have the same answer. If you have a credit card or any other loan, you know that there is a payment due every month.

It makes no difference if you receive a statement or not, you know if you don't make a payment it will of course effect your credit report and will also result in late fees.

If you want to dispute charges, fine, but still make the payment that you know will be due.

Well how do you know what to pay without a statement? Not making a payment because you did not receive a statement is an excuse for "passing the buck" on your responsibilities. Even if it is the first payment! It is your credit, be accountable.

HSBC is wrong for not sending you statements but you should have handled it by paying then disputing...you tried to make a point to them but hurt your credit in the process.

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Rajesh
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Dec 09, 2006 4:19 pm EST

I am also facing the same problem. Did anyone have settlement from HSBC credit card anytime?

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12:00 am EST

HSBC Holdings delay in statement generation

Since statement of my credit card is generated on 16th on every month, so I haven't yet received my this month statement which could be a cause of late payment.

Regards,
Hemant

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A.K.Pradhan
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Nov 01, 2008 6:57 am EDT

Please e-mail following duplicate credit cards monthly statements for the month of September 2008 to Oct, 2008. at the earliest.

credit card nos. [protected] and [protected]

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TONY BOYLAN
,
Jun 20, 2008 5:37 am EDT

Hi my name is tony boylan from Dublin Ireland i need some information on who is the manufactures of your hand outs at rugby matchs ie the goodie bags with caps stickers bags for the waratahs

if at any time you want to visit Ireland call me or return the favour please call me [protected] ireland

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stacey
,
Nov 30, 2007 10:56 pm EST

You guys are ridiculous. you won't call to see why you haven't received a statement? You can call you know? There's customer service, people are being paid, good money, to answer your questions. You can call, ask for your amount due and the due date. sometimes mail is returned if they have the wrong address on file. What happened to being responsible..? You're all so grown up when you apply for the cards or loans but you can't get your ### straight and get on top of your own things?

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Koroth Raman Nambiar
,
Oct 04, 2007 12:33 am EDT

August 2007 credit card statement was not received. Based on spent estimate, Rs.34,000/- was paid as exact outstanding information was not sent by the bank throught the monthly statement. It is a regular feature for not getting the monthly statement and any number of calls made to call centres has a stock reply that within the next four working days, the statement will be sent. It has become wastage of a customer's time by calling the call centres on a repeated basis and no worthwhile result is coming out. To my surprise, on going through the Sep 2007 E- statement, finance charges of Rs.886.37 plus service tax of Rs.109.56, totalling Rs.995.93 has been charged for an amount balance remaining of Rs.1439.98.
If the Aug statement had been received, 100 % of the outstanding would have been paid as can be seen from the past payment practice. In trying to call up the senior people, not one is responding and declaring for himself/herself as not responsible for answering.The call centre gives standard answers and no managerial decision is taken. The customers are made to suffer for the banks own fault. Where on earth is a system that charges Rs.995.93 as finance charges for RS.1439.98 kept pending beyond due date which is 69.16 % interest for one month or 829.95% per annum. The bank is advised to withdraw the unreasonable finance charges levied which is totally due to insufficient information from the bank in not sending the monthly statement.

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Jason Manley
,
Sep 25, 2007 6:31 pm EDT

Got a computer at best buy for 600 dollars. My dad who has perfect credit and many holdings co signed. I have bad credit but was given 4000 dollar limit. I put the computer and 300 in merch on the card. Then i withdrew 400 in cash and they zapped the limit down to 36 dollars shy of my balance.No word about not being able to cash withdraw or a limit. Was gonna pay the computer and balance in 2 months. They left me hanging with a 200 bar tab at abiker bar. My first bill wasn't even sent was due in 60 days. They told me even if i paid all balance in cash it would be 6 months before they would "review" re instating my previous limit...they are ###ed...they had my dads cosign for gods sake! I will pay them them minimum forever...or maybe ill just take the computer back after i pee in it!and the credit hit.

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Jasbir Singh
,
Sep 03, 2007 1:14 am EDT

I am holding a credit card of HSBC from last 8-months, from the last eight months i am complaining via e-mails and phone calls to their CC to send the bills. But till dt.03/09/07 i haven't received any of my bills.

After speaking to their manager the problem remains the same.

Then after all my efforts i decide to cancel my account on dt.12/08/07 and i was committed that i am going to receive call with in 3-4 days, but till 23/08 i haven't received any calls.

Then i called up on dt.23/08 at 1604HRS and spoken to mr. Kavel then he committed me that iam going to receive call in next 2-3 days and when i asked for the last request, the response i got that it is in process and i asked i want to speak to some senior person, he puts me on hold for 15-mins and finally he disconnected the call.

Again i called at 1627HRS and spoken to ankita, i asked for the reason why he disconnected the call? and why i haven't receive any retention call? she gave me a complain no.[protected].

So can anybody suggest me what to do...?

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Mary-Lawrence Yanniello
,
May 10, 2007 7:39 am EDT

I had 2 credit cards with HSBC. One was just a Mastercard which they closed last year stating due to the amount of credit that I had. I think they are full of it - I hadn't used it in over a year and I think that is why they closed it. And by their actions they confirmed this, because I also had the Best Buy Reward Zone Card which they just recently lowered the credit line stating the same reason, yet I hadn't used it in over 2 years - I was paying it off monthly on a special same as cash, but didn't charge much on it.

And than when my last statement came in they charged me interest on the same as cash, even though the payment was there a week before the final date. I called them and they said that this would be removed. We'll see...

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Bonnie SINGER
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Feb 19, 2007 3:54 pm EST

I am currently still trying to resolve the not posting payment then it was returned so they could say i didn't pay now hsbc sold the account and collectors want over 1.000.00 dollars on a card with only 200.00 credit limit! Yes it was one of those get a visa and they sent me a master card with ridiculously high interest after i started using the card! and i couldn't even read the small print because it was fuzzy!

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12:00 am EST

HSBC Holdings keep charging account I do not use

This started with my account having AOL being charged to it and wanting to stop payment. I was in Iraq for a year and thought that my AOL account had been closed, however it was still being charged to my card. I attempted to contact AOL to stop them collecting the fee for a service I was not receiving. Due to not having the phone number or the screen name, I had a problem trying to get them to talk to me about the account. I then in January called Household Bank to stop payment. They told me I would need to try to contact AOL and work it out. After trying for a couple more months I then called back and explained in detail what was going on. I was told at that time they would place the account in dispute ( this was March). The next month I noticed that I was still being charged for this and called again. I was told that sometime it took awhile to put this into dispute and to stop payment, however I would have to pay or it would have a negative impact on my credit. The next month again, it showed up on my bill and again I called. I was told that there had just been an error and they would get it corrected but unless I wanted to have it impact my credit I needed to pay. In June I was able to get a different phone number from their web area to get thru to AOL and finally was able to have them stop. I told them of the problem I was having and they stated that I should have contacted my credit card if I had a problem with getting thru. I then called back my credit card company and told them this and they stated that I just need to keep paying my bill or my credit rating would suffer. I stopped paying them. They show me as being late for the account and they keep sending me bills. They have sent me letters stating that they have put the account in dispute (4 of them were dated for the same day with different numbers). They stated that they had arranged to have HSBC, AOL and myself talk over the phone and this was sent out on 09Oct2006 however I never received this letter.

The just of all of this is that I just called [protected] this last week and was transferred twice trying to get thru to a supervisor, I was told that my account would be credited the fees of $90.00 however, the credit report that shows me late and part of the money still stands. I was told that “If it is not in writing it was not in dispute no matter what was said to you over the phone.” They went on to tell me that they could tell me anything but if it was not in writing, it was my problem.

Sincerely,
Douglas

Card Issued by HSBC Bank Nevada, N.A.

One HSBC Center
Buffalo
NY 14203

Talking to HSBC

P.O. Box 80053
Salinas, CA [protected]

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Gabriel Martinez
,
Aug 20, 2008 8:19 pm EDT

I have a 600.00$ creditcard debt from HSBC bank on my credit report that was'nt my. In year 2005 it has stated I had opened an account, at the time I was only 15 years old. If you would please contact me by email on what I can do as far as getting this disputed off my report, or if you have any information about this.

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12:00 am EST

HSBC Holdings late payment charges

I have written and tried to cancel HSBC credit card for the past 3 months. I continue to be sent statements for payment and late payment charges. I have not seen or ever used this credit card.

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Manish
,
Aug 22, 2007 1:14 am EDT

Hello,

I got HSBC card. First month i did not receive any bill. When there executive called me and informed that there is some due and requested me to make minimum payment. I made minimum payment and when i received my bill. they charged me with 300Rs. late fine and EMI charges. As per High Court order bank can not charge for late fine if user did not receive any bill.

When i call in HSBC customer care there refused to reverse and told me to make all payment first then only they will block/close my credit card. Then after waiting for 1-2 months I destroyed the card and made all pending payment Excluding late fine charges. They keep on charging my expired credit card and till now it is 500. History by HSBC is as below(provided by HSBC on email). Even HSBC executive calls me and saying that will get money from me and they will send the police. Please suggest what should i do?

Statement Date Outstanding Payment

4-July-06 3658.00 No Payment received
4-Aug-06 4236.68 500.00
4-Sep-06 3864.96 No Payment received
4-Oct-06 4384.01 No Payment received
4-Nov-06 4924.79 3000.00
4-Dec-06 2017.04 No Payment received
4-Jan-07 2477.94 No Payment received
04-Feb-07 2951.71 No Payment received
04-Mar-07 2646.70 No Payment received
04-Apr-07 3131.73 No Payment received
04-May-07 3626.84 No Payment received
04-Jun-07 3823.35 No Payment received

Regards
MANISH
[protected]

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Devoji Rao Rajappa Vijayalaksh
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Mar 05, 2007 12:06 am EST

I have booked an e-ticket through my HSBC Credit card. Since I am not able to print the e-ticket, I wish to stop the credit card Transactions.

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Rajesh K.R
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Dec 06, 2006 7:04 pm EST

TATA AIG people collected Rs.12,792.9 without my consent. How it is possible. Is HSBC people supporting it...

I am a normal Indian man having a monthly income nearly Rs.9000 . I am using credit card normally for paying my mobile bills.

I am going to file a case against both of them for unauthorized usage of my credit card account.

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12:00 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

HSBC Holdings contract problem

My son put a contract on a house and property for sale by caldwell banker agent representing hsbc the end of june, 2006. the contract was accepted and ernest money put down. my son paid the $400 for the appraisal and waited. now, the end of october, he is still waiting. as it turned out, there were leans against the property when it was put up for sale...in essence, it was sold 2 times in one week. it was finally determined that the back taxes were owed and that the owner, hsbc, would pay the taxes. now after the loan and appraisal have expired and cost my son more money, the back taxes have not been settled. we are told that the seller is now negotiating the penalties. my son loves the house, even though it will need costly repairs (more money in escrow for necessary repairs). we just want to be able to close on the house, so he can move and quit paying rent. he has passed up several really good buys waiting for this property. what can we do? this is very frustrating and my son is the one who is out money. yes, he will get his ernest money back, but not all of the other fees which are adding up. help!

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12:00 am EDT

HSBC Holdings this appears to be a scam!

Aig stated that my husband filled out a credit card form for me with hsbc to receive a master card. today I received a call at work from hsbc for late payment. once I inquired about it there were charges from aig (hsbc's insurance provider). this appears to be a scam. aig is pretending to know about the charge and pretending that my husband verbally ok'd the insurance (which he never did) and hsbc is charging me (including late charges) for a service from aig (their partner) that I never approved.

Hsbc refuses to cancel the charge based on my husband's phone call. aig refuses to cancel or credit my acct based on my phone call. so both of them acknowledge that the master card is in my name and not requested by me and that the insurance is supposingly requested by my husband and not me.

The operator at hsbc stated that there are hundreds of complaints and that's why I can't get through. I wonder why.

Aig claims that they will credit me for the $51.90 charged and hsbc's billing office is now closed (the operator did not know... i've been on the phone for 2 hours). however, the bill is for $83.90. hsbc's operator says to call back in 2 days. hopefully this will be resolved. but, I still feel this is a scam.

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Amalendu Nath
, IN
Jun 08, 2009 3:53 am EDT

Hello Friends,

Absolutely right. Tata Aig in association with HSBC Credit Card is cheating.

I have taken tata-aig maharaksha policy last year with a annual premium of about rs 15000 which expired on 3/4 th March. I got a call from tata-aig regarding renewal of the policy which I did not want at all, so told him not to renew. His executive told me that just renew your policy and get it canceled within 14 days, we will refund all the amount we charge from your hsbc credit card and for cancellation of the policy you just have to sms with your policy number to 58888 and we will refund entire amount to your credit card.
So they have renewed my policy with annual premium of rs 30000 this time.

I have sent him sms 4 times on different days within 14 days but they did not cancel my policy.
Then I contact with tata-aig customer care who says I can cancel your policy after deducting 25% (why? - even I contacted customer care within 14 days - they says there is no lookup period for renewal of policy).

I have contacted hsbc bank customer care regarding same, but they are even not ready to listen my problem, They says just talk to tata-aig, if tata-aig refunds it will automatically reflected into your credit card a/c.

This is not the end of story, HSBC bank has automatically converted this policy premium amount of rs 30000 into emi without my consent, A step ahead of Tata-aig in the process of cheating.

Overall, Its my suggestion that never take any policy from TATA-AIG using your HSBC bank Credit Card as both are very good business partner and never miss a chance to cheat you and beware of his cheating.

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G. Bradley
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Dec 11, 2007 3:04 pm EST

If HSBC has anything to do with it... it's a Scam!

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Mohit Gonduley
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Mar 21, 2007 1:27 am EDT

Few month back , I got a call from HSBC customer care regarding opening insurance by third party Tata-AIG and monthly charges will be Rs. 300/- but I strictly said no but he said for two months its Rs. 10/- per month, so after second month you can close this policy and I did as a customer executive said. Second month I requested to close this policy. But third month I got another Bill again I asked for this what is this to customer care executive then I came to know that my Tata AIG policy yet not been closed and he again requested to request for close and whatever charges you are getting in your credit card bill will be reverted back but still I am getting bill every with new charges of late payment. This HSBC service is so pathetic, they got new way to cheat the customers.

Now my bill is Rs. 2015/- without purchasing any thing on HSBC credit card. Again when I called up to customer care then he said there is no any policy of HSBC to revert back all the charges after cancellation on TATA AIG policy. These people are liers what they will say and what they will do they don't know.

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12:00 am EDT

HSBC Holdings hsbc killed my credit!

In february,2005, I went through divorce proceedings. my wife was awarded one of our vehicles which we had a joint loan through hsbc. judgment was for her to keep payments current and if she defaulted the vehicle would be repossessed by me. i, immediately contacted hsbc to explain my concerns about being joint on the account without payment control and asked to have duplicate billing sent to me. they refused, telling me that they would instead notate the account for me as a co-signer, to be notified if any payment was delinquent.in october of 2005 I was reviewing my credit fico as I do every month through one of my credit card services. to my dismay my credit had fallen drastically from one month to the next. upon investigation I uncovered that she was behind on two months of payment for the auto loan. I contacted her, flew from phoenix, az to seattle, wa to reposes the vehicle, drove it back to phoenix, and paid off the $18,600 balance the next week. I contacted hsbc to explain what had happened, ask why they had not done what they had promised to preserve my credit rating, and resolve my issue by removing the negative hits on my credit. hsbc refused to do anything for me. the customer service reps told me that the account had, in fact, been notated, but on a different data screen that was not looked at when contacts were made by the hsbc collections department for delinquent accounts. I asked them to remove the negative notation on my credit due to their non-performance and they repeatedly decline. this argument went on for two months with multiple calls, faxes, and letters to hsbc, with no resolution. I finally gave up.

Hsbc killed my credit! I pay consequences for their lack of promised performanc. the "only" protection I had to protect my credit.

Thanks for listening, any help or advise would be appreciated.

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Muhamed Unaiz
Abu Dhabi, AE
Oct 22, 2023 9:47 pm EDT

The worst banking service provides in UAE, No one is responsible $$$$&****#$%$$$$ no words to describe. They only know give false commitment.

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Peggy Li
, US
Dec 21, 2019 12:18 pm EST

I am so disgusted with HSBC AE service, they have shamed the good name of my country bank!

The inefficient service, the poor English command at their outsource India Call center, where no one is equipped or willing to do anything. just like human-robot...

AWFUL AWFUL AWFUL...

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Somebodyttttt
, US
Aug 28, 2018 1:58 pm EDT

HSBC UAE is charging me 100 AED per account to close current accounts I am not using. Noone told me about account closure fees when I was opening them. And I thought Premier banking had advantages in fees.
They are telling me that accounts should stay open for at least a year before you can close them for free.

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D. Howard
, US
Jan 11, 2009 7:21 pm EST

Correction any business dealing with consumers. can be filed against and asked to work thru the American Arbitration Association can be contacted and request them to cooperate. if the business doesn't that is feul and ammo for your case that they aren't in customer service and don't care. It will prove they disregard Federal law and consumer law.

No mater what they sell or do, any merchant and mom or pops store.. they all can be worked thru the system of the AAA.

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D. Howard
, US
Jan 11, 2009 7:17 pm EST

I forgot to add this.. link

Credit cards, auto loans any business in consumer lending can be taken down!

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D. Howard
, US
Jan 11, 2009 7:15 pm EST

Read my article i hope it motivates. File any account owed with the American Arbitration Association in your state. They can take HSBC ability to operate in the United States.

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Floyd Castle
,
Jun 21, 2007 10:36 am EDT

This company has called me numerous times about payment since the reposed the vehicle. The collection agency called me and the i do it who talked to me tried to collect the debt by calling me every name in the book and insulting my military career and my time in the service saying I was a disgrace to the Marine Corps the Country and that I wasn't a fit human being and degraded the American military in general. I have made a formal complaint with the Attornay Generals office here. This company is a British owned company and the head of the company has make the statement that how is runs his company is his business and he is not afraid of the FBI, Attorney Generals American Courts, etc. and he will continue to operate as he pleases in our country and there is nothing they can do about it. In general this company is ripping off Americans feels it can say and do as it pleases and get away with it. I can say this they will regret ever making bad remarks about my military service and the American military.

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hsbc killed my credit!
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