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.
I have been with this bank for 15 years! Longest relationship ever of any kind surely for me. Their customer service and nickle and diming has gotten so bad for an average Joe like myself that after 15 years I have decided to take my business elsewhere. Not to mention their online banking is the WORST! why does it take days to update an account? The nail in the coffin came for me when I deposited another bank issued check into my account and it took HSBC 10+ days to clear. It was not a personal check mind you, it was a check from another reputable bank. So needless to say my account got over drafted and the fees that came with it. Apparently that's the "norm" when i called to see if i could get all my over draft fees down and of course the answer was a no. This bank is definitely not for an average American with an average paycheck. Use to be a great bank with nice perks like no overdraft fee if you qualified for their select credit line so long you paid it off before the cycle ended. Well. Good bye HSBC.
I opened my account with HSBC USA back in January 2006 and in 2010, I was offered HSBC premier. End of 2012, i was assigned a relationship manager to help with me transitioning to other country for work. We had discussed about having my HSBC account opened in the new country. The transition was promised to be smooth as what HSBC is advertising for "HSBC premier is a comprehensive banking service that you can access from wherever you live or work around the world and HSBC premier enables you to open HSBC deposit accounts worldwide from the U.S. And move money online between them securely and without fees; this is a lie! On Apr. 2013, I called up my HSBC relationship manager telling him that i'm in the middle of setting up my HSBC premier account with the local branch and on Nov. 2013, I phoned HSBC USA premier regular hotline and was told that there was no account under my name?
I asked her to check it again and she said that my account was overdrawn and closed. When I told the customer service lady that it wasn't me, she just answered back " sorry, there is nothing I can do. Your account was already closed back on Jun. 2013.
So, I phoned the relationship manager through his direct office. He informed me that HSBC have a legal right to terminate their relationship with the customer and they had mailed me the check to my address back in us, which they shouldn't have done it since I had kept him updated about the timeline I'm moving to outside us. I asked him why I wasn't informed by email like usual and he replied that his new position didn't allow him to email me the notification. I'd asked to speak with his manager but he told me that he is the manager now. He will send me the form that i need to fill up to retrieve my check. So, I told him that i will report this case to the police if HSBC is giving me a hard time to get my money back. Later, he told me that he'll have the check sent to my local address next.