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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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10:44 am EST
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HSBC Holdings do not use hsbc - ruins fico

Do not use HSBC credit cards. They are now cancelling credit card accounts without any warning due to 'inactivity'. Customer service will not help. They closed my account (which was in good standing, my fico is >780, or WAS), and will not tell me why because, "[you] are no longer a customer so we don't have to share this with you."

Opening and closing accounts HURTS FICO scores. They are wrong to do this. Forget ethics and business practices. How about the fact that they're hurting the economy by hurting consumers scores, in turn, making it more difficult for them to get approved. Also, why close an inactive account? It does not cost the company anything - and by doing so - they 100% reduce the possibility they can make money because customers can no longer, ever again, use their cards and HSBC cannot capitalize on the interest! Lastly, how about the fact that people who are scorned by this will NEVER EVER AGAIN USE HSBC'S SERVICES?

AVOID THIS BUSINESS!

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M.Yorks
Oneonta, US
Feb 28, 2009 7:46 am EST
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They did the same thing to me and I am going to fight this with all I have. I do not want my excellent credit history to be affected by this banks unethical business practices. Why don't they spend this time going after the "deadbeat" accounts which I am sure they have plenty!

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10:22 am EST
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HSBC Holdings cancelled without notice

As an HSBC Credit Account holder, I received notice my card was cancelled due to inactivity. No notice was given or warning which would have prompted myself and hundreds of others to use the card. When I called to get an explanation, I was challenged by the rep "Diane." She wouldn't answer my questions and wouldn't listen to my concerns. I asked how long the 'inactivity' period was (which should be a standard term within the corporation) and not only could she not tell me the answer, but with an attitude replied with trivial and challenging questions and a condescending tone. I asked where I could find the information (as in a pamphlet/card holder agreement) and she kept saying "well you have to read the letter you got." That was not the question or concern.

She was clearly having a bad day; however, it is NEVER okay to challenge customers and answer their questions with an answer not relevant to the question. I kept clearly restating my question, then she told me it wasn't my information to have since my account was closed. This is the public information on a publicly traded company, that any and all consumers, current and prospective, have the right to read before deciding to do business with. I calmly stated, surely you must have some information for the hundreds of people like me calling upset about this. I am sure many people are calling upset and all we want is an explanation in the form of a corporate policy. Rudely she replied with a giggle, "Actually, most people [calling] are quite happy about this and are relieved..." Any intelligent educated person can say a few things: 1) this comment was intended to be snide, 2) customers are NOT calling to say 'thank you', 3) people are not happy.

Diane should have had a better attitude, should be able to educate me on the policy, and should be able to tell me what pamphlet (of the many I have through the years) I can reflect to for the info on the rights HSBC has (including that of closing my account).

HSBC is struggling as a financial institution and is hurting.

Closing inactive accounts is ignorant in this financial time. As customers are hurting financially, they rely on credit in turn giving companies like HSBC business/interest. People will NEVER use HSBC again after this experience. This could have been alleviated with a note or email with: “due to inactivity, we will be closing your account in 30 days.” In its place, customers get “account has been closed.” What happened to ethics, better business practices, retention & customer service?

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Tired of the Shaft
Grayson, US
May 17, 2011 4:21 am EDT

I usually paid payments several months ahead and then receive notices in my email and know when to schedule some more. I had totally forgotten about it due to the fact that we were building a house and my account became past due. I went to make a payment only 3 days past the due date and noticed my account was cancelled. They had periodically been lowering my limit which I didn't like but I didn't owe much anyway. I had points on this card for a GM vehicle over 800 of them and now they are gone. I will NEVER have another HSBC account again.

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Mikolry
Raleigh, US
May 15, 2011 1:49 am EDT
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Of all the credit cards I have had, HSBC is the worst credit card company of all of them. They cancel and lower credit limits for no reason and when you ask them, all you get is some foreign operator that knows nothing above and beyond what is on their computer screen. There is no sense in calling. Stick with a credit card from Capital One as they seem to be the best credit card company out there.

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EthansDad
Westerville, US
May 21, 2009 12:17 am EDT
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I bet that your credit isn't even yours. The love of children, I guess you wished something nice would happen. It will not. NOT While Ethan is on watch. How can you live with yourself? Thanks for doing so much hurt.

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EthansDad
Westerville, US
May 20, 2009 11:51 pm EDT
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Quit complaining. Do what is right. Quit hiding my wonderful Son. This game ends now. Things are going to change for you, Sam. You have done our Son so wrong for so long. It is time.

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EthansDad
Westerville, US
May 20, 2009 11:49 pm EDT
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Sam,

You are not a widow. You are a kidnapper.

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EthansDad
Westerville, US
May 20, 2009 11:48 pm EDT
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You're not a single mother of 3. Crazy.

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Browneyedgirl3528
Waterloo, US
Mar 17, 2009 8:57 pm EDT

I use my HSBC card all the time...I pay my balance at the end of the month and I just paid it off with the payment post date of today...I logged in to make sure it did in fact post as of today. And yes, yes it did. But I looked at the top of my log in account statement, and it says account closed! It says nothing about why...I sent an email afraid that if I were to call I would get a rude person from another country..(.even though my tax payer dollars are bailing them out of debt.) And when a CSR is rude to me it tends to get under my skin and I find it hard to hold back what I'm thinking. So we will see what this email has to say if anything. I will never do business with them again. In the past few months I lost my job and I have been living solely on this card...it was my only one... I'm a single mother of 3...so needless to say I am very upset about this!

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Stephen
Jackson, US
Feb 25, 2009 1:18 pm EST
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I had the same experience with HSBC. My customer rep was named "Jan" (which was clearly not her name, but I digress). I did get that my account was inactive for only 3 months and that was the reason they closed the account.

I actually had an online savings account and a few other financial matters with them and in the past week have closed all ties with them due to their rudeness and poor judgment.

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HSBC Holdings bill pay/customer service

I have purchased a Bowflex within the past 2 years and applied for a credit line with their partner in financing HSBC/HRS. Since recieving this "credit card" (I have never actually seen a card), I have had trouble on numerous accounts of recieving bill by mail statements late. On these occasions, I would recieve calls from someone who could barely speak any english that had less than minimum knowledge of what else I could do to lessen the problem, and a scripted list of conversation points that would be repeated if they sounded as if they would answer my questions. Of course not wanting to be late, I paid by telephone, which had attatched fees and of course the late charge for the origionaly late payment. I then moved to the online bill pay, which claimed a 2 day processing. The processing on average has been 3-5 working days and at the maximum I have seen it take well over a week to process which incurred more fees that I SHOULD NOT have to pay. Not only that, but with numerous late charges, I believe my credit limit has increased. How can this happen with all these late fees, unless they are trying to get me to spend more money with an already poorly (at best) run company? I am extremely unhappy with this service and DO NOT recomend this company for any type of lending in any way.

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CTSprinkle
Elk, US
Feb 11, 2013 7:58 pm EST

To Whom it may concern: This is a statement to put HSBC retail services, Household Bank.on notice. I have been trying to resolve an issue with my repossessed Yamaha Wave Runner ZX Deluxe. I need to let Household Bank know that I am the sole owner and am in possession of the title to the Yamaha Wave Runner trailer. This transaction was separate from the purchase of the unit. This information was shared with the repossession company as well as HSBC recovery service representatives. The unit was removed from my property. I have tried to make arrangements for the return of the Wave-Runner and have been confronted with judgemental, rude employees. You may not sell my property without the title. I have also procured an individual; who will take possession and pay for my Waverunner to be returned. Even though I was assured my person could make contact with you, February 11, they were unable to do so, having difficulty getting through to your phone lines. Additionally, If you are going to serve a nation with services, you must have employees available IN ALL TIME ZONES! I am appalled this company will not work with people and do their best to help, especially in a struggling economy.

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mmanthav
, US
Jan 21, 2012 3:53 am EST

Getting an HSBC account has been the worst mistake of my life. I was 18, high pressure sales, 4 years of paying and I'm just now starting to pay toward my original balance which is 2, 500! I might get it paid off by the time I retire :(
May I also add that I'll never ever do it again.

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casie12345
haughton, US
Dec 29, 2010 9:39 pm EST

I hate this company i got a four wheeler financed threw, them biggest mistake ever.. i never recieved a bill in the mail. i had excelent credit and they have messed mine up so bad i will never be able to own anything. they just dont care are must not know how they are affecting peoples lives trying to make an extra buck! They had the wrong social on all my information and when the account was opened the account a copy of my social security card and licence was faxed to them. they had a glitch in their system and who had to pay for it was me! so after months of trying to talk to someone i was about to give up. they would not even talk to me about my account at all because the social they put in their computer system was not mine but they had a copy of my social...i dont understand why this was a problem but it was ...it was a way for they them to never let me get paid off...they added so many extra fees which get added to the balance of the loan and have a different interest rate a very lage interest rate! should i go on...if i could ever meet the person in charge of all this i would try to take away from him whats been taken away from me! i feel now i will never get my dream home that ive worked so hard for my credit is not [censor]ed!

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cperkins1
Farmington Hills, US
Mar 15, 2010 9:47 pm EDT
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I'm certain I signed for online bank payment...couldn't get through...had to pay by automated phone service. It's ridiculous enough that you charge me $97 in interest payment...I can't hardly wait to pay this account off...Your fees are unfair and ridiculous for someone who has had this account for many years...

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Matt
Houston, US
Mar 05, 2009 2:49 pm EST

Everything you mentioned exactly has happened to me. I mean, exactly. I thought I was the only one that didnt receive a credit card and finally just assumed I wasnt supposed to have one. I also have had very late bills and even received a letter from a collection agency before getting my first bill from this company. I can never find a customer service number to call and when I do finally get through to a representative, through other means, it still leads to nowhere. Although the rep I got ahold of one time could in fact speak english in the end I was still left in the dark with all the questions that I origianlly called about. I also find it very inconvenient that I cannot log on to my account with my account number. I have received only 2 or 3 bills since September of 2008 I do not have on-hand my account number. This would be easier if I had a phone number to call and somehow get my account number to sign up for online bill pay. Overall I am very unhappy with the service and will steer clear of this company in the future.

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HSBC Holdings reactivated closed account

I cancelled my account and without my knowledge or approval they reactivated my account and didnt inform me for a year.

The only reason i do know is a collection agency called and informed me i now owe over $900.00 from an account i cancelled.

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HSBC Holdings charges

A bunch of filthy thieves - I just don't know how the system allows this kind of practices in the US. I'm just dissapointed that companies like sony associate themselves with these mobsters. I guess it's all about $$$.

I have an hsbc sony card that I used to buy a $2k laptop. It came with no interest for 12 or 18 months so it seemed like a good idea at the time. I paid 1500 off within the first six months and had a 500 balance left. Never used the card for anything else, the minimum payment was always zero so I didn't worry about it. Just to check the balance a few days ago and see that they decided to add 500 to my existing balance! Finance charges because I didn't pay it in full before the promotion ended. It's probably somewhere in small print on some document they sent...

I think it's just theft but there's not much I can do so BEWARE.

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John
Portland, US
Mar 09, 2009 8:04 pm EDT

they are lame, i called to cancel my car, but they wouldn't cancel it. they gave me the address to write the letter to, but they couldn't confirm the address that i have for them on my credit report.

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slave2change
, US
Jan 31, 2009 10:41 pm EST
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Never use 'BEST BUY" credit cards alias HSBC collection. I purchased over three thousand dollars for a new computer, editing software, portable drive, wireless mouse and keyboard all at once. The clerk said I could get an additional 10% off if I opened a Best Buy Business account which I did. After waiting two months for the editing software to be shipped I was forced to go to My local Apple store and pay full retail. I canceled the order for the software and paid off the entire balance due, with the exception of the undelivered software which was now canceled.

Long story short HSBC Demanded I pay the $280 for the software even though they never delivered it. After monthly billings with compounding interest and HSBC destroying my credit rating they finally "wrote me off"
as unpaid. Now my credit is in limbo for the next 5 years according to their letter. And people wonder who destroyed the credit market.

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HSBC Holdings account closure - will not reinstate

I have paid over $1000.00 in 30 days and they CLOSED my card a month ago! Payment arrangements were made to bring my account current. The customer service representative confirmed that the payment arrangement was acceptable and would bring me current on my account. He forgot to tell me that the date I agreed to make the payment was 2 days AFTER the cycle date. Therefore their "system" revoked the card and closed it TWO DAYS before I made the agreed upon payment. The card was closed over a month ago. Since then I have made more payments, talked to reps on the phone, had available credit displayed online, and did not find out the card was closed until it declined at a merchant. I called and spoke to an Account Supervisor and a Floor Supervisor and was assured that there is NOTHING that can be done to reinstate the card. So be careful, you may feel reasurred and confident that you are doing the "right thing" but all your fate lies in the imaginary hands of the "System." Oh, one more thing, I have not been able to access the companies Terms & Conditions online for the last 4 days (and I have tried from my home PC as well as my office PC). hmmmmm, something does not seem right.

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geezer
, US
Mar 12, 2009 2:16 pm EDT

I agree! HSBC Discover is god-like in their actions. My card was closed because I have not used it for 180 days and I carry a ZERO DOLLAR balance!
The ### closed it because I pay in full and on time!
I HEAT THIS KIND OF CRAP! They should be held accountable. The fat white boys in the board room should be castrated, along with their children, so we do not breed any more of those god-like megalomaniacs. They have automated systems. They are SOOO proud of that. It would be nice if their web geek could be directed to let people know that there has not been enough activity to suit the Master's wishes. Just a few line of code and there would be at least one less, pissed off, FORMER FOREVER cardholder! I will not do business with these jerks and automatons.

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HSBC Holdings deactivating personal bank account without notification and charging service fees while I have no access to the account

Don’t bank with HSBC
– They will lock you out of your account and bleed you dry with fees while you watch them!

For all those who are considering opening a personal bank account with HSBC... THINK AGAIN!

To put it politely, HSBC are the biggest bunch of rip-off artists I know. Bordering on criminal. WHY?

Let me highlight my personal banking experience with them, you can decide their integrity.

I’m based in Australia. I opened an off-shore account with them 2 years ago. Deposited some money and made transactions for the first year. I registered for internet bank and they also sent me an ATM card. All is well so far. They send me monthly statements showing me any transactions and the closing balance.

Then apparently in September 2008, they changed the off-shore account policies to increase the service fees to ridiculously high levels.

In the mean time I had not made any transactions in the last 6 months and they decided to deactivate my account. NO NOTIFICATION TO TELL ME MY ACCOUNT HAD BEEN DEACTIVATED, DEEMED DORMANT. All the while, they have been sending me statements, showing me how much they were deducting from my account, deemed as “service fees”. So in the last 6 months I had not paid much attention to these statements because I assumed I could have access to the account and withdraw the money anytime I wished.

NOT SO.

I went back online and tried my usual log-in on internet banking and access was denied. Then I made a call to HSBC Singapore call centre to ask why. They specifically told me that online access has been discontinued because I haven’t used it for a while. So to withdraw any money out I have to write & post in to them instructing them to TT my money out of the account to another account. This would conveniently delay the process to the next service fee withdrawal, which they deem to be for security reasons. They did ask if I had phone banking, and I didn’t; nor did they bother to register me at the time. And at this stage, the call centre person did not notify me my account had altogether been deactivated. So the only way I thought of to get my money out quickly before they sucked more from my account was to use the ATM card. I located a HSBC ATM teller and tried my card. To my surprise, the ATM denied access to my account as well!

The next day I called these idiots and told them now I have absolutely NO ACCESS TO MY MONEY IN THEIR ACCOUNT. They asked me all the same questions again, “do you have phone banking”; security questions to verify that I am the real ME. I explained to them the situation and they refused to do anything about my predicament citing banking policies! Now this is one lesson everyone should learn: HSBC policies are there to protect THEM, NOT YOU, the customer. THEY ARE ALSO THERE TO RIP YOU OFF... yes, no secret there. They want to make money from you, anyway possible. And their policies have slimey loop-holes to screw the customers. So after 30 minutes on the phone, the useless call centre girl couldn’t or wouldn’t do anything. I tried escalating the issue to her manager but she refused to do so, all the while patronising me by saying she understands.

So here is the synopsis. I banked with HSBC. They changed their account policies. Deactivated my account citing that it was dormant for 6 months or more. Failed to inform me. Raised the service fee. Revoked my online and ATM access. In fact revoked any access to my account unless I write and post to them at my own cost. Delay the process to transfer my money to another account. Charge me more fees for this. Then finally closed my account.

If you want money in their bank that subjected to these kinds of T&Cs, you might as well put it in their pockets directly.

HSBC. You are a bunch of unscrupulous rip off merchants. May you fall with the financial crash this year.

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HSBC Holdings lender on motorcycle

HSBC is the lender for a motorcycle which I bought and my Grandfather cosigned for. Since the beginning they have made it impossible to make payments. I bought it in March of 2008 I did not recieve my first bill til Sept. of 2008. I was not allowed to make payments online which was the way it was originally set up, when I called them they would not allow me to make payments over the phone without my grandfathers S.S. number. After repeated phone calls we figured out that they had my grandfather as the buyer instead of the cosigner and still after dozens more calls they will not change it. The original interest rate was 7.5 and it is now 17.9. We tried to get the payoff so we could refinance and the payoff has gone up 5000.00$ from what the bike was bought for. My grandfather is 72 and has had perfect credit his whole life and now has a flag up on his credit. They have us trapped and we recently learned Suzuki which is where I bought the motorcycle will not do business with them any longer because of "questionable practices". I need help. They are calling my grandfather 2 or 3 times a day claiming not to have received payment in 9 months. in November we decided to just refinance I quit making payments at that time but before that the payments were made.

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HSBC Holdings identity protection plan

I am having a problem getting contact with this company. They put me on this plan without my permission, and charge me for it, against my will. I told the company i donot want it, the lady said when i am ready call back and cancel it. So i tried to get in touch with someone nobody responded. They put a charge on my credit card for 56 dollars a month . I want this thing cancel and removed from my credit card. This is the membership number they gave me, [protected]. my name is edna griffin they know who i am. I f possible i want a refund.

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Old Buzzard
Houston, US
Jan 28, 2011 8:15 am EST

Without my permission, HSBC charged my credit card for $9.99 on this so called IDENTITY PLAN. This company did just like a on-line theft did, they stolen my money. What kind of the company called themselves IDENTITY SECURITY. They are real theft. Shame on them.

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AntiHSBC
Norfolk, US
Sep 22, 2009 8:42 pm EDT

I worked at HSBC in Virginia for almost four years. I believe different sites produce different rules. I totally agree with the above statements. Hsbc was good to pull the wool over their employees eyes. When we dissagreed with a decision or tactic that was presented to us, it was often brushed under the rugs with some sweet response that it was in the customers best interest. After a while the answers that were given to us became more and more obvious that the practices were wrong. I began to pretty much ignore what Hsbc told me and started telling customers the truth. The truth on why a cardmember of 10 years with no late payments has a 20.99% apr. Or why a member of the union has a 5% apr and the first time they are EVER late it increases to 17%. We were told that we could waive certian fees sometimes but not to waive too many b/c we could be on an corrective action plan b/c the company is losing money. So say if during a 10 hours shift I waived 10 or 15 fees in about 5 hrs... I wouldnt want to waive many more ni matter how much the cardmember pleaed. We simply had to keep them ont he line until they asked for a supervisor or hung up. Neededless to say I eventually was terminated for telling the truth and waiving too many fees but I didnt care b/c they were wrong. Oddly enough a month later they layed off my entire floor anyhow with no warning. They stopped calls at noon and held a townhall meeting and told them as of now you dont work here. Yup! That good old HSBC!

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HSBC Holdings not sending statements

A creditor failed to send me a billing statement for two months. I get a letter after Christmas requesting me to make the account current - Which I did. Two days later, I get a call, then another two days go by and I get another call. Then I was reminded that payment is due on the 9th of each month. Heck, no statement - am I suppose to pay blindly? Talking to their call center in Jan. I was more than teed off. They told me that they were going to add late fees - again - no statement! The supervisor did not speak to me though I requested to speak with the supervisor. I know that the supervisor listened in on the conversation. When I finally agreed to pay them - with no statement - I was again reminded that my bill is due on the 9th of each month! I called my Congressman and Senator. Congress is trying to put a halt to the harassment and unfair practices of credit card companies. I recommend everyone do the same. Oh, just in case the people from "H" bank is reading this, I am refusing any credit cards from your bank and refuse shoping at any store that uses your bank.

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Donna91357
Saint Clair Shores, US
Feb 13, 2010 9:13 am EST

I just obtained a credit card from Hsbc through Best Buy. I bought a laptop on the 18 months same as cash. I phoned customer service today to ask where my statement was. When I received my first statement 11 days after the statement date of 01/05/10 I thought is was becasue the first statement. But here I am on the 13th of Feb/2010 and still have not received my statement again although the statement date per customer service is Feb/5/2010. Per customer service it can take up to 10 days for the USPS to get my statement to me, I asked where the statement was being sent from and was told Maryland. Now, I get statements from several billing companies, some from Texas, SD, CA, NY, etc and none of them take 10 days only the Hsbc statement takes 10 days, so my statement date is the 5th of the month I don't receive my statement until the 15th of the month and it is due on the 28th of the month, so, when I receive my statement I need to send payment with 3 days of receipt in order for them to receive it by the 28th, per the USPS and how slowwwwwww, they are. I personally believe that statements are held for about 5 to 6 days prior to actually mailing them in the hopes that customers receive them late and are then subject to late fees and interest. My current fica score is 875 and I am not willing to let the underhanded billing practices of one company bring that down. I will be paying this account off asap and will not do business with any store that does business with Hsbc.

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HSBC Holdings will not return deposit for card

Opened the account with a $200.00 deposit to Orhard Bank, in 2007. Limit of $200.00. I never failed to pay the full balance owed every month. There were decrepancies regarding late fees and overlimit fees, which I protested and did not pay. Due to this, I cancelled the account on 8-23-08. I have sent two communications to HSBC (one certified mail) and spoken to several people regarding the return of the $200. deposit. The November and December statements sent to me has a CREDIT balance of #38.02, because they are charging the charges in dispute to the deposit, though there is no notification when I will receive the $38.02. I AM DUE $200.00.

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HSBC Holdings unauthorized charges

HSBC, Retail Services, Superstores Of America is by far the worst institution you can borrow money from. They charge you outrageous fee's every opportunity they get. To use their payment by phone, you must pay a $15 transaction fee. To pay your bill online you are required to be subjected to their permanent drip campaigns. The physical bill to your home is in a plain envelope not clear as to who it's from (which appears to be a tactic to make you default on your payment, resulting in you owing interest on entire purchase amount). This company is extremely shady and I'm fortunate to almost be done with them. Ironically they have the nerve to try and up-sale you many services while they treat their customers poorly.

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HSBC Holdings freaking rip off

We bought a bowflex over a year ago and have paid 40.00 a month on it on time. Well we get a call saying we are behind 2 months. My husband asked why and they said our interest rate had been raised an now our payments are 72.00 a month. I don't think that is right. they said it was in the fine print. I never saw it neither did my husband. Only about 18.00 a month went towards paying on the balance. Our balance has only gone down maybe 75.00 to 100.00 in a year and 3 months. It pisses me off. How long as i going to have to pay for this thing. Bowflex either needs to change banks they finance through or something. I am going to end up paying 3 times as much for this thing. With taxes next year we are paying this off ans getting them out of our lives. Freaking rip off.

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judy eakin
Phenix City, US
Jul 26, 2010 8:25 am EDT
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my husband and i bought a bowflex our payment 20.00 a mounth.and it was financed with hsbc. bowflex has never send us any paper work stating our agreement with them or hsbc. and little do we know after 12 mounths our payment would go up to 59.00 amount.and that if you didnt pay on the date it was due.that you had a late fee of 39.95.bowflex is missleading people so they can get that sail.and it rightly pisses me off.if any one else is haveing trouble with this same issue

please writh to judy eakin
29 alabama av.
phenix city alabama 36869

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HSBC Holdings - disturbing me on my week end

I am Master card holder of HSBC for the past 5 years.My credit history with the bank is very good and stable.During the past 5 years of using the card I may be missed my due date once or twice.The last time I forgot to pay was this month.However a lady from collection called me from [protected] on thuresday 18th I informed her that I will do the payment in...

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HSBC Holdings harasing calls

constantly receive calls every 45 minutes from this company.They are blocking their number.When asked for a company name was told cannot disclose that information that john was calling regarding a personal matter.Asked for a phone number and was told that they would try later.So itold them that I know who they are and would be launching a formal complaint to the authorities.John opertator just keeped saying hu.Must have a grade 3 education or some thing.What can be done for them misreresenting and not disclosing for such a simply request?
thanks
shelley

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ScamStress
Craik, CA
Mar 26, 2013 10:35 am EDT
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Constantly calling our work number asking for an employee. I ask what company they work for and they keep telling me it is a personal business call. They refuse to tell me what company they work for. They say that they will try calling the other number they have on file. I ask them to kindly not call back to our number. Yet they keep calling and get the same answer. With all the scams out there, do they really think they would get passed reception without saying what company they work for?

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Magzzy
Sudbury, CA
Aug 23, 2012 6:56 am EDT

How can companys get away with this. If us citizens tried to harass people on the phone, we would get charged. Very unfair.

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Larry Vander Voet
Maple Ridge, CA
Jun 12, 2012 3:55 pm EDT
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They call five times a day - every day How do I get them off my back?

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Justice4the LittleGuy
, CA
Apr 30, 2010 9:13 am EDT

HSBC will call even if you haven't missed a payment. They have done this to us many times in the past. Now they are calling several times a day (as many as 4), from [protected]. After saying hello 3 or 4 times they simply hang up in your ear. Or they have you listen to background chit chat for a minute, and then hang up on you. Bloody rude harrassment ...considering WE pay THEM! Never do business with them - NEVER finance through the Brick or Future Shop because it is HSBC!

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GJG
Kansas City, US
Sep 16, 2009 4:07 pm EDT

I have a best buy card with a no payments for 12 months balance on it..and yet they are calling every 30-60 min...it is harassment and it needs to stop. It is utter BS the way this company does this. I can understand going after people that owe...but not when I don't have to make a payment for another 11 months!

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orcapod
Campbell River, CA
Jul 17, 2009 7:58 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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HSBC Holdings can not get master card pin

I have called the help line 28 times and asked for a CC PIN 4 times, each time I get a promise that the PIN will be posted to my address in Dubai.

Its all lies - my office manager has never received 1 post nor has any courier from ARAMEX ever called.

This started 2 1/2 months ago - mI won't give up but it seems I will have to mtravel from the Far East to UAE and shout at the manager personally to get the service I deserve - I pay 100 AED per month status charge and its for nothing.

Can you help this probelm.

My contact m/s Glancy Jis never answers her phone - but I do get the odd email - telling me the Bank have my PIM and will send it to my address - but it never happens !

A very fustrated customer.

Max Fletcher

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HSBC Holdings tactics

I had a credit card handled by HSBC for Best Buy. A television set was purchased with a12 month no interest promotion. I did not recieve an invoice in October, in November I recieved an invoice with $30 dollars tacked on for non payment and the minimum payment went to $44. Prior to this the minimun payment was $10 and I always paid $100 this was this way for 8 months. I contacted HSBC asnd got ahold of someone who couls barely understand english and didn't really care about my problem as they couldn't make a mistake. Needless to say I will no longer do business With HSBC or Best Buy because of thes tactics to generate income and harm the comsumer. The money is not the issue it is the underhanded business practice.

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HSBC Holdings unjust rate hike on good customers

Like others that I have seen since recieving a change of terms notice on Nov. 13 HSBC said they are raising my rate from 8.24 to 14.99 effective Jan. 2009. I have tried talking to them on the phone and talked till I am blue in the face to supervisers that state they are as high up the chain I can go to complain about this un warrented rate hike. These people talk to you in a demeaning tone and all have the same scripted answer We saw somthing on your credit report. and refuse to negotiate stating that I have the option to opt out which will keep the intrest rate on my balance but will automaticly close a open account with a balance due. Anyone with even a minor knowledge of credit scores knows that kind of action will damage your score. or I can shut up and pay up. I 've had this account for 3 years and have run well over $30, 000.00 thru it remodoling my home yet I keep my balance to at least half of my total limit as i do with my other card. I always pay on time and my credit report reflects no late payments on any accout over the last nine years. When I do run up the card I send very large payments over the following month and have brought the balance down to $0.00 3 times. This action that they are perpetrating on myself and other good customers is to raise our rates before Jan 2009 when HR5244 will likely pass congress and that will stop them from raising rate on existing balances and restrict the from many other abuses in the credit card industry. Anyone having the same situation from HSBC please cotact ne with details as I am building a data base for the FTC and the coptroller of currency Administer of national banks Please only HSBC customers with good historys and no late payments on credit report respond. If you feel that you have been treated unfairly By hsbc Please take the time to contact the FTC and the occ at www.helpwithmybank.gov [protected]@sbcglobal.net. FIGHT BACK every complaint filed against them gets us closer to justice.

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P. Padovano
Staten Island, US
Mar 19, 2009 12:04 pm EDT
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My complaint is that they sent me a letter stating that there was a "security breach" and they had to issue me a new card. When I called I spoke with someone who did not speak English reading off a cue card. They would not reveal what the security breach was. However, they did say that they offered protection against just this sort of thing for a fee. This is not the first time I received this letter from them, I think it was a little over a year ago they pulled the same thing and at that time also offered their product. I think this is a scam that relies on people's fear of their personal information being compromised to sell them a product. I should have the right to know what part of my personal information was exposed and to whom. The credit card companies seem to have all of these rights to raise our finance charge as they see fit, give out information to "affiliated companies", yet when there is a security breach we have no right to know any of the details. I agree that action should be taken against HSBC for several reasons. First, we live in the United States of America and we should be able to access customer service here in our own country and speak with people who speak our language. I believe that dealing with people outside of our country is disrespectful to us and is done deliberately to cause miscommunications. Next, they should not be allowed to raise interest rates unless they have good reason, i.e. late payments, no payments. As far as the late payments, I have had experiences where I sent it out via mail and they said it took three weeks. No freakin way unless the payments are also being diverted to Pakistan in which case they should not be allowed to charge late fees. Enough people have to be willing to commence the action or they will just laugh it off. They are the third largest bank in the world and one of the few with problems. I guess they sort of feel bulletproof at this point and will do whatever they want. You know you can pay the balance and put the card in a drawer, you don't have to use it.

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mjv
Durham, US
Jan 22, 2009 10:09 pm EST

Anyone seeking phone number cor HSBC executive office please contact me. jdvaughn@ctc.net

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mjv
Durham, US
Jan 22, 2009 10:06 pm EST

I also got a change in term notice for both my accounts with them the first week of November. They are one nightmarish, unprofessional company. There was no negotiating with them. I have had an account with them for years. Well actually not HSBC. My accounts were through another company, Metris. I got notices about three years ago that HSBC had bought them out. I was disappointed because I have never heard anything good about HSBC or Household Finance. everything was fine until recently when they sent the "Notice of the change in Terms". I have had a low interest rate on both. I had absolutely blemish free histories with them, no lates, over limits, returned checks...perfect. Suddenly it jumped to 14.9% on both or was going to effective my Jan. 2009 billing cycle if I did not opt out. I called asking why and they would not tell me. The person said they would mail me the reason. I waited about ten days and it never arrived. I decided to go ahead and mail in my opt outs because they needed to be in within 30 ay of receipt. I had gotten them between Nov 1st or 4th. I could not remember exactly. On November 18 my jaw hit the ground when I got a letter saying they had received my notices but they were late and the accounts would remain open at the higher rates. That's when the real nightmares began. Let me just say that customer service is nonexistent. I called and they said they received my letters on December 9th. I was to believe it took 24 days. Customer service would not transfer me to a Manager, only a floor supervisor. They would not escalate my call to the executive level as I asked repeatedly. A supervisor told me there had been a problem processing the opt out requests in time and told me to send in two more letters and they would be closed. Liar. I sent the letters on December 18th. By Jan. 11 I had heard nothing. I sent two message thru the link on my account. They would not respond. I called again I was told those letters were received on Dec. 23 and 24. this time it only too 4-5 days. There were no notes that I was told to mail two letters again or that I was told there was a problem with the opt out processing. I was told at that point literally there was no need to contact me because I had already been declined. Again I asked for a number for corporate offices and was refused. I could go on and on...

I filed a complaint with my AG office. It was on the BBB site that I found a number for their executive offices. I spoke to someone there and told me story. I told her I had reported this to the BBB, Attorney General and OCC but would give her a shot. She is the Executive Liaison. She reviewed my accounts and called back today to tell me "as a courtesy they had processed my opt outs and closed my accounts.

I personally would still like to see a class action on them As I know pretending they did not get the opt outs is all a scam to force customers into higher rates.

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Greg
,
Nov 19, 2008 11:44 am EST

I just got the letter that they are raising the rate on our card. it is going up 5%. When I called and tried to talk to them they just said that it was a banking decision and that I would get a letter telling why they did it. I pull our credit report 2 times a year and it is clean. nothing on our report should cause them to do this. We always pay more then the minimum and we have never been late. The only option we have is to not accept the rate hike and they will close the account which will put a ding on our credit report. I feel that HSBC should be sued for damageing peopls credit reports. They act like some kind of MAFIA.

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Laurie
Haslet, US
Nov 19, 2008 8:28 am EST
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File complaints about this with the Federal Trade Commission

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HSBC Holdings difficult getting to page to pay account

This company has a web page to pay account, but it is difficult to get the page to respond on any given day or it times out the session before all info is typed in or you cannot ever get to site because it is slow or does not respond. I was under the impression that the page was meant for customers to pay easier but I find this web page to be seriouly difficult.

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Dorothy A Wingert
Sioux City, US
Dec 30, 2008 6:29 pm EST

I am Wondering why my credit card was cancelas I have pay everything on it and don't use it much so give me a valid answer
thank you Mrs. Dorothy A Wingert

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HSBC Holdings unauthorized charges

We transferred credit card balances to HSBC for zero percent interest in December of 2007. We immediately started getting calls trying to get us to take out their Account Protection Plus coverage which I repeatedly refused to do. The company began charging us for Account Protection Plus coverage on February 4, 2008 and have continued to do so to the present date. I have called several times telling them we did not want this protection. I was assured the charges would stop which they did not. I do not no why these people do not understand NO.

They even charged a dollar a month service charge for the insurance. To date total charges amount to $284.83 which we never authorized and tried to get stopped from day one.

I feel these unauthorized charges should be refunded

Jim Hogue

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mr.someone
, AE
Apr 29, 2009 4:44 am EDT

Worst service- deceptive annual fee charges. sold me a bundle of cards and promised NO ANNUAL FEE NO MINIMUM BALANCE REQUIRED. 1 year down charged me 150 Dhs for each card as annual fee.just called them up and cancelled everything...peace of mind- HSBC suxxxxxxxxxxx...

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Robbbbb
Phila, US
Aug 12, 2012 8:06 am EDT

Same problem here. I've been repeatedly calling them to remove this service. I never agreed to or authorized this, and every time I call I get someone who barely speaks English.

There is currently a class action lawsuit against HSBC in the amount of $23.5 million. To file a claim, go to www.EsslingerSettlement.com

Unfortunately, HSBC will STILL keep charging you! I have a claim filed, and was just charged for this service again.

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sunflower (2)
Sheffield, GB
Aug 25, 2010 10:45 pm EDT

I sent $54.00 to japan from UK to order some books and mitsibushi bank only sent this person $12.90, they have kept more than half of my money i am still trying to complain, if anyone know where to complain please let me know on here.

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Wallace Flowers
Leoma, US
Aug 20, 2009 1:09 pm EDT

I am filing with the states atty. Probably won't do any good because the solicator is in a foriegn country. I have said no so many times and this time it was put on anyway and put me overlimit and they say maybe in a couple of months they will get it straightened out.

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rqs81
Orlando, US
May 19, 2009 11:44 pm EDT

hi i have the same issue just found out and i have paid 110 up to day
did a seach on the phone and found this complaint
how can we fix this

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Audrey B.
Wasco, US
Mar 14, 2009 5:24 pm EDT

I'm having the same problem with my account and the same charges. Getting an HSBC live person to talk to is nearly impossible. If you call the [protected] which not too surprisingly is from Account Protection Plus, HSBC Services, you will talk to someone...in another country. And they will switch you to another and another while you listen to a constant recording begging you to sign up for their services, they say they will remove the charge but I've had no luck there as well. So far the charges add up to almost $400.00.

Also, after having signed up for the card they continuously called my house four or five times a day and (and in some cases night) trying to get me to sign up for this service. I refused. Finally I bought a new phone where it was possible for me to block their calls which I did. A lot of good that did me. I am in the process of firing off one more letter to them, along with a letter to the office of the California Attorney General.

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Lisa C
,
Dec 01, 2008 11:05 am EST

I'm have same problem, but at least they stopped charging me for the debt cancellation protection. I'm still trying
to get them to remove the first 8 months charges from my account. They say that they have proof that I ordered this service, but I don't know how, when I never signed anything. If they think I won't get a lawyer to have this
removed they better think again! I wish Mitsibushi would use a different company to handle their financing.
If you have any more info or update on your fight with this company please keep us posted!

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bajaskier
Fond du Lac, US
Nov 12, 2008 1:41 pm EST
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Take them to small claims court. You will recover the charges, court costs, and may even get punative damages.

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HSBC Holdings contacts

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