I am part of the customers that got moved from HSBC to First Niagara. It was supposed to be smooth without glitches. It is not. First of all I am a mac user and quicken user. None works; I have to use a windows computer and internet explorer to use their online service !!! No download of activities and reconciliation of account with Quicken Essentials for Mac. Their credit card service does not provide also any online link to Quicken. Basically all what I was doing with HSBC online, I can't anymore. I went to HSBC because it was an international bank; not anymore. You have to go through Mellon Bank to handle any type of international transfer you may have; very inconvenient when you have family members overseas. By the way, I am still waiting for an answer to my emails from their customer support; actually to be fair I got one reply 48 hours later to one of my complaint: credit card: we do not support quicken download.
I was an HSBC customer for 4 years until it was acquired by First Niagara last year. I did not close my account immediately and after six months incurred monthly charges to maintain my checking account which was initially free with HSBC. I was not given any letter before these charges were applied. I was expected to read through the thick package of papers that they had sent when the acquisition happened. What a way to extract money out of customers. In any case, when I realized that I was being charged for about 3 months or so, I called them up and asked them to close my account. They said that I had to send a signed letter and I would be sent a check back for the amount I had in the bank. They did not inform me about any fees. In fact, I tried to close the account online but there was no option to do that. Later, when I received the check , I saw that $5 was deducted. They charged me just to send a check. I was not even informed about it. When I called them again, they were outright rude and unhelpful. In fact, I was supposed to get a call back from them which I never did. Terrible service in the few months that I have been with them.I won't even give them a single star.
Well I was an HSBC customer who was transfered over to First Niagara. I was a customer of HSBC for 6 years and did most of my banking online and had to contact the customer service department once for a lost card. I had a checking, savings and credit card transfered to First Niagara. The transfer was easy and so was setting up my online banking. After 6 months I noticed I got a 4 dollar mantainance fee on my checking account. I called and asked why and then stated in the customer service agreement and from what HSBC told me that you cannot change my original contract with HSBC you just aquired the accounts and would have to get my permission and signature to change any of my accounts.
They reversed the fee but failed to acknowledge my statement. He then offered to switch me to an echecking account which he stated do not aquire any fees. I obliged and later that month I got a letter stating that echecking accounts starting in December will start being charged a 3 dollar mantainence fee. Are you kidding me I went down and closed out my savings and checking account but left my Credit Card open.
Now here comes the fun part I purchased a course in march under my HSBC credit card and decided to cancel it in November. They refunded me the course but it went under my HSBC card number. I did not realize this and called HSBC after I did not see the funds deposited. They stated they have records of the original purchase however all my accounts and data were transfered to first niagara and that even if they did refund it to my credit card under HSBC First Niagara still would have recieved the refund and posted it to my account as they should still be attatched. Called First Niagara and after about 11 transfers to different departments they stated I should wait 10 days and call back. I called back and they acknowledged by a third party that the refund was issued however they do not know where it is. Then stated that is all they could do! Next step is small claims court