You can not deal with this bank personally. You call the branch office and get someone in the phillippines. I wanted to close the account for my aunt who is in a nursing home. They did not like what i had to say and left me on the phone hanging for 30 minutes and never came back to talk to me. I went in 3 months ago to leave a power of attorney and they said they have to check it out and will call me. They never called me and i can not get any answers on the phone. Never deal with a bank that has out sourced their help.
Have been a HSBC Premier customer for 8 years with accounts in Canada, USA, and the UK. I most recently moved to the USA and they were great at first, gave me a credit card, and overdraft based on my (large) overseas credit, my assets with the bank, and long tenure with them. Great for someone with no US credit history (though the Amex Global Transfers are far far better, so do that if you ever move). I've since bought a house, cars and have a credit score of 750.
I rarely use my select credit but on my first use they decided to not only close it, but it was without notice, and they proceeded to bounce my mortgage payment. If they gave me notice I would have been upset and wanted to know why (I have no derogatory marks, and my credit has done nothing but gone up since I arrived 2 years ago).
Talking to the reps they said, "We choose who we give credit to and we can remove it at any time. We probably should have noticed you. Are you sure we didn't let you know?"
Well then. Goodbye HSBC, hello someone else as that is completely unacceptable. Trust is fundamental to a relationship involving 6-figures of money so someone else will get my money. Citi/Charles Schwab/Wells Fargo/Someone else? Maybe a credit union or Fidelity? Not sure, but I will never do personal or business banking with them again.
I had an account with HSBC for over 10 years. One day I attempted to log on like any other day and I received a strange error message simply instructing me to call Customer Service. Not thinking much of it and assuming it was a minor problem - I called my bank and to my surprise, "We show your account is closed." My jaw dropped. "Where's my money?" is my first thought. "It has been sent to you." Sent how? What's the tracking? Of course no tracking and of course by the slowest method possible. I never got this first check, by the way. Frustrated and growing increasingly panicked, I opened a second account with HSBC. The first account was closed due to the "amount of withdrawals" on a Savings account. It is funny how after having an account 10+ years and using it borderline the same way month-to-month, suddenly it became a problem but that's another story. The second account I would open was a checking account to bypass this nonsense. I just used the account as a "deposit and forget" type situation - no bells and whistles. Eventually I work out a way to "cancel the check I never got" and have my funds deposited into a new checking account. This required multiple phone calls, having to repeat the same situation over and over. So I get this setup finally and about 2 months later, I get the dreaded "unable to log into your account, please call customer service" number again on my new checking account. Guess what? It was closed. My money is again in "HSBC Land"(that's the HUGE space between myself and my bank) in a digital and modern age of fast notifications and fast, reliable shipping where I will receive neither. When I called Customer Service last night, they told me the "department I needed to speak to was not open" and to "call back". I called back today and guess what I was told by a woman on a static-filled headset, "There is no department that can tell me why