HSBC Holdings
Reviews and Complaints

YES THEY ARE A SHADY BUNCH. HAVE 2 VEHICLES THRU THEM. KEEP SWITCHING MY 1 TRUCK PAYMENT TO MY CAR AFTER SEEING THIS WEB SITE IT IS TO CHARGE LATE PAYMENTS WHICH I CAN NEVER GET BACK.

My name is Linda Vu I am a student at University of Greenwich. I was recommended by a friend to invest my student loan into a mini cash individual saving account (ISA) in HSBC.
On 29th March 2008, I opened the mini cash ISA and invested £3, 000 in cash. After I received a letter which confirmed that the account was successfully opened and that the total amount invested came to £3000.

About six months after, I decided to a visit a different branch of HSBC to check my balance as I have never received any statements since the account was opened. On the screen, it indicated that I only had around £1000 in the account, which I had deposited into my account a few times in the time I opened the account till 6 months later. It showed that the £3000 I had invested had not been deposited or withdrawn.

With this on my mind I went to the branch I opened my account with in Dartford and ask to speak to the manager but was told he was too “busy” to see me. The person who spoke to me replied that the money that I invested when opening my account was not there. She then said that the manager would get back to me regarding the issue.
I returned a few days later as I had not been contacted about the issue and therefore asked to speak to the manager only to be told he is too busy to speak to his customers. I was then told to talk to another member of staff who said that they will be investigating by checking all the account, speaking to the person responsible for opening the account “Tom Kazza”, and by checking their CCTV security system.
I was then told that the manager will definitely contact me within the next two days.

I was not surprise at all when the manager failed to contact me which made me have to go to the branch for the third. Again I was told the manager was yet again busy so I had to speak to the sales manager who said that the £3, 000 transaction was not made on any accounts in that branch on Saturday 24th of March 2008, their CCTV camera did not go back 6 months and that they do not accept cash on a Saturday. The sales manager also indicated that the person responsible, Tom Kazza, was new at his job. Questions were going through my mind such as “why was he allowed to open mine or any other customer accounts and take our money?” and “Who else has he done this to or is going to pull this stunt again?”
She also said the letter of confirmation I had shown is not regarded as proof and wanted my account statements to prove I had that amount in my account.

After being told this, I took a trip to the police station to inform them that Tom Kazza or HSBC has stolen my money, I showed my evidence that I had £3, 000 in my other account and the letter confirming £3, 000 has now been credit to your account.
I was told by the police that HSBC do have the CCTV that goes back to the time my account had been open. In order to open mini cash ISA, I would have needed to deposit money onto it, so therefore how could I possibly open my account on the 24th of March and have a letter confirming I had opened it and the amount I put in prove not to be enough evidence. I was told that in her opinion it was enough proof. I was then advised to go back to the branch to get a letter, which should say that no transaction of that amount was made, and bring it back to the station so that they could investigate the matter.

The HSBC branch in Dartford has been very unhelpful leading to a very distressed and an unhappy customer. Each time I went there, I was told the branch manager was too busy to see and that he will contact me and unfortunately happened three times

When the new manager Hayley Lowe finally investigated the matter she sent me a letter confirming there is no evidence £3000 was credited into my account, of course I was extremely angry so I called up the head office where they said further investigation will be required. I then went into the branch to talk to Hayley to understand what investigation she had done, the only thing she done was talked to Tom Kazze who said “he remembers me and that I did not credit no money in” and that no account within the branch received the £3000, however to open a ISA account you need at least £1 in order for your account to be opened, of course the manager said you don’t need to put no money in, this is when I asked for a leaflet which she went and got, read it, and annoyed “yes you was right you do need to put £1 in but you don’t really” what kind of response is that? I then demanded for another investigation as Tom Kazze or another member of staff has taken my money.
I gave her my Halifax statement to prove I had £3000 in my account during the time I opened my ISA account. During the three weeks after the interview, the senior manager Rebecca Kemp called me up saying they are investigating the matter and can look at their CCTV the date I opened my account.

The 11th of November I receive a letter from Rebecca that “the declaration letter handed to you at the time of opening your account had incorrectly stated the subscription amount and, have fully investigated the matter, I can confirm that we did not receive any funds from yourself on the day opening the account” I imminently called her up to see what they did to investigate that Tom Kazze has taken my money, she replied she has evidence that I did not cash in no money via investigating Tom Kazza again in front of he’s manager and looked at the accounts, this is the same investigation they did before, I keep on repeating you said you was going to check your CCTV, Rebecca replied “we feel we have enough evidence from Tom admitting he’s done a faulty on typing in £3000 and checking all of the account” this is not a fully investigation that he’s taken my money and I have not been treated fairly as a customer as I replied many time did you check your CCTV as that’s the evidence I did give Tom Kazza £3000 in cash, Rebecca kept on saying “for the final time we have done our fully investigation!” this is not including the CCTV. I kept on asking “but have you checked your CCTV” and she said “for the final time we have fully investigated the matter” then rudely hung up the phone on me! She would not answer my question as she has not investigated the issue fully. I am a very unhappy customer who has been distressed and emotional for the last 2 months as they have not been treating me as a individual, refuse to give back my money that I invested in and I feel as I am being discriminate due to my age of being 20. Tom Kazza has taken my money please help!

Please contact me on [protected] or email me on LV_@hotmail.co.uk for more information. I will be happy enough to do interviews.

Thank you

i HAVE THE SAME PROBLEM. i NEED A LEIN RELEASE TO GET THE TITLE IN MY NAME

I buy the furniture on JUNE 13 2017 under the no payment NO interest for 3 months plan. The amt for 4 items was 342.29.

Out of four items two items whose amount is $ 67.98 CDN. The delivery of these two items I received on SEPT 04 2017. i.e almost after 3 months and i pay 342.29 on SEPT 29 2017. They did not revise the invoice and make necessary change to my bill for 67.98 CDN under three month plan. And in my next invoice they charge me $ 22.55 CDN as an interest. Due to their negligence and mistake I have to pay $ 22.55 interest.

I was given an original payment price of $87.13 by the store where I purchased my furniture, paid my bill one month early. I then received a bill from HSBC for $123.93 saying the original bill was supposed to be $88 instead. So, I get that taken care of supposedly, they tell me to send in my $88 a month from now on, I don't miss a payment for 6 months, but little did I know (because I do the paperless billing) I still was being charged the original 93 cents I missed that they told me they refundef my account originally. So, now I have amassed $195 in late charges. a big thanks to the Indian/Pakastani customer service rep for explaining to me in the first conversation that I had to pay the 93 cents he credited back to my account on my next bill. And to the second rep for being a [censored] about it this time.

During the short time that I have had my HSBC Retail credit card I have had nothing but issues with their customer service department. A simple request constantly turns into an hour long phone call where I keep getting transferred around. They aren't consistent with the stores that sell their product. The store tells me one thing and the customer service tells me another. I am cancelling my account and advising other people not to waste their time with this company. All they know how to do is say sorry instead of making a negative experience into a positive one. Thank you HSBC for waiting my time.

Very rude and not sympathetic. Out of 8 payments 4 checks where lost in the mail. According to them if no payment is given on the due date it must be lost! Because I'm from Canada i need to send payment minimum 15 days ahead of time (break down... 3 day mail delivery and between 10 to 12 days processing from them). My bigest problem was the processing from the company and the ridiculous overcharge late payment fees. Ì'm very happy that I transfer my account away from them, and most of all I have a great job where I can talk to many potentionel clients to not do business with HSBC!

Finally, they still got all the money, but if I can prevent even 1 customer to do business there I will accomplish my goal!

I purchased three four wheelers and they are financed thru HSBC retail services and the more you pay the less the balance goes down, two of them were for my son and nephew and should have been way lower balances by now but it still has me oweing only a thousand less that what I paid, this company is a fraud and a rip off. the customers shopuld be cut loose of there debts.

Bought my motorcycle Oct 3,2017 then received a phone call on Nov 6th saying payment was late. Found out it was due on Oct 25th. Make an immediate payment the next day and they agree to drop late charge. Make another one on Nov 14th and and it arrives via my online bank's bill pay system ontime but it's not processed until after the due date. I get another phone call around Dec 10th saying that payment was late and so was the one that was due on Oct 25th. I disagree and told them I will give them back the motorcycle if this continues. I make another payment for Dec 25th payment it arrives Dec 22. It's late too. No matter when you send it and how early it gets there, it's always late. I guess they think I must be mailing this through the USPS and cannot prove arrival date. Thank GOD for online banking. I can't wait for them to keep this up so I can go forth with legal action.

Canada
HSBC sent me a remortgage rate of 3% higher for 5 years (no less number of years) when all other mortgage companies were offering their lowest rates. Then they dragged
on putting mortgage through for five months, charging the highest rate. Employee at HSBC office blamed it on Head office and Head office blamed it on local office. Employees at local office and head office gave incorrect information, then were rude when I brought up inaccuracies. Hate this place.

I purchased a motorcycle in 2017. My loan thru HSBC was for $13, 500. I have made every payment on time. April 2017 will be my last payment. EXCEPT...HSBC just sent me a letter saying that I still owe $12, 100. What?! How in the hell can they do that? Waqs my last 5 years of payments for nothing? What can I do?

Indiana

Wow! I thought it was just me, actually it doesn't matter when I send in my payment, they always attach a late fee. These people are so rude! I can't wait to pay off my account. All these things that people say about them are true. I have had many bad experiences. Thanks for your comments!

Shelly

I bought my motocycle 2 years ago my apr was 18 and went up because i supossibly made a payment late i always send it on the recommended date and it is still always late im tired of that im just gioing to return the bike even though it affects my credit but im never going to finish paying the bike with taht interest rate there full of ### RIPOFFS

I would like to agree with California on the Reps misleading a person who has an auto loan with this company. I had problems with getting a deferment or apply for a hardship, after I took a large income loss last year. They told me once I brought payments to 60 days, I could go online to apply for a hardship to try and lower my payments. I searched all over the website, and even called for assistant, but never received a response on how to "apply" for this hardship. Unfortunately two weeks ago my car was taken into repossession. I called the next day to discuss recover my car.
The first thing I was told was "at anytime your car can be taken into auction", yet proceeded to tell me that I had 15 days until it was put up for auction. Of courese they do not disclose where car has been taken, which is understandable. I understood I had 15 days.
I discussed a dollar amount with the representative and let him know I would call back the next day. I called to inform rep that I would have payment within four days. I begged and borrowed from friends and family to get enough money to recover car.
Once I paid, I called the representative back to find out how to go about getting car. (they do not give out ANY info unless you are paid up). All he did was give me a number to call. I contacted the agency that had my car to make arrangements for me to pick up - when I asked where abouts they were located, they informed me Northfield, OH...I said excuse me, I live near Grand Rapids, MI. After finding out this place was over 4.5 hours away, they said I need to call HSBC back because there was nothing they could.
I immediately called back the Rep that I was working with, he acted like it was not a big deal and that he said in the beginning the car could be moved at anytime for auction. I expressed the fact that I spoke with him numerous times that I was paying on it and I thought I had 15 days. Still did not care much for what I was saying. I said that is just wrong that a car would be moved OUT OF THE STATE that the person lives. I asked for a department head, and just went in circles talking to individuals.
At this point, I am disgusted that I even paid up my loan to get my car back. This company is very difficult and has no compassion for their customers and today's economy. I know I take some blame for allowing my car to go into default, but all I asked for was a little understanding and the fact that my car was taken out of state is just adding fuel to my frustration.

kinda the same situation here.me and my ex girlfriend bought a truck 4 yrs ago.i was the buyer and she was the co-buyer.we went are seperate ways 3 yrs ago and she claimed bankruptcy 2yrs ago.so 2 yrs ago i the buyer tried to make my truck payment online and i couldnt login.so i call the number they gave me and they told me she had claimed bankruptcy (co-buyer) and that i wont be able to pay online 0r get a monthly statement until the bankruptcy was dismissed and that all payments made would go strictly to the principle, which i the buyer thought was great.so i continue making my payments and phone calls every few months to check the status of the account.i didnt like the fact that i was paying for something and not seeing my balance go down, but really couldnt do anything about it, atleast thats what i thought..i then went to the same dealership i got the truck from and told them i want to refinance the truck for the remainder 5k owed on it so i can try to remove my exgirlfriends (co-buyer) name completely off of it.so they the sales guy comes to me and says that i am denied for the refinance because i have a repo /bad auto debt on my credit report.so right now i am furious.i call hsbc and they say that its not a bad debt or a repo and they want to me to pull my credit report and fax it to them.so i do that and they tell me that they are not gonna take it off of my credit report but yet it still shouldnt be there.so the truck gets towed the very next day for a parking violation at work.so i go to the police department to get the release form and pay the tickets and the clerks there tell me this is not my vehicle that i am not on the title and that i cant get it out and that i should call the bank.so i call the bank and after a few hours on the phone they tell me that i am not on the title and that they will send me the title along with a form to be added to the title.so right now at this point i am furious, i have been making all these payments for a truck and the titles not even in my name and my credit shows a bad debt for it.so i go to the dmv and have them pull the paperwork on the truck and show them the original carbon copy buyers agreement and the lady there tells me she never seen anything like this.she prints a copy and shows me what she has which was the same exact buyers agreement except without my name or signature.so i asked for a copy and she told me she couldnt for privacy policies.so a few days later the overnighted title comes in.so i then go to the police department with all of this paperwork and credit report and payment history of the truck and was in the for 2 hrs trying to figure this out.the clerk there was awesome.she gives me the paperwork that the dmv has(which i am not suppose to have) and she tells me "you didnt get this from me".she then goes over them with me and i quickly noticed a a signature that wasnt mine.so somewhere along the line my signature was forged a few times and i am wipped clean from it.this all supposedly happened the day we bought the truck atleast thats what the date says that could of been doctored up also.so after taking all this in in a very short period, i decide that i dont want the truck.my names not on the title or buyers agreement that the dmv has, i owe the bank the bluebook value and to top it all my credit screwed with a bad debt even though it wasnt a bad debt.so we come to the conclusion i am not gonna sign the title because if i do i am on the hook for the remainder of the balanc and it will still show as a bad debt on my credit.so now i am fighting with hsbc and talking to transunion about this matter, because how is it on my credit report and i am not on the title and or buyers agreement that the dmv has.this all happened within the past week and i will return with a post on the outcome.any advice would be appreciated.thanks for being an ear for me to vent my frustration

They are lying theves, taking from the little guy, destroying peoples lives. I'm being garnished for the price of the car I gave back because I couldn't afford it it any longer. I payed on it for two years and now they are taking away 1000.00 each month for the next two years. Please don't do business with them. They will hurt you if they can and the way our comsummer laws are set up you the little can't win. They will have their hand in your pocket and there isn't much you can to about it except educate others. I'm being charged for everything under the sun. What they are doing is worng. Be careful.

I received a letter from you dated Nobember 14, 2008 (+0212415 [protected] [protected]) stating that my RECENT credit request for the financing of a motor vehicle has not been approved at this time.n First, I do not have an account with you and someone is using my identity to try to finance an automobile.

Please email me with the information on who is doing this and what can be done about it as soon as possible.

My address is 33 Ridge Dr., Westbury, NY [protected].

I filled out a fraud report on line with Equifax on 11/28 also and I need to know what direction I need to take.

Respectfully,

Hegel Bobo

At least 10-15 calls daily from the lowly CSR. No one is willing to work out a feasible solution which will in turn help both parties. Everyone has the wrong notion. If they threaten, this will make the money appear. Well it does not. Was I explained to one CSR, if everyone paid on time, then the CSR would not have a job. Where will this leave them? I am only asking for a little compassion and just a little me cooperation since I am trying. I have all intentions to satisfy my full obligation regarding my auto loan.

### HSBC AND EVERYONE WHO WORK IN THERE OFFICE THEY ARE FAT AND SO ###ING LAZY TO GET OFF THEIR FAT ### .TO GO LOOK FOR A CHECK IT IS SO SAD.

Horrible company, keep looking cuz almost any run of the mill credit card company is better than these theives.

I owed 6$ to HSBC on my credit card, made an online payment of the full balance. A month later I found out that the paid amount was 5$ and 1$ was hanging that turned into an overdue balance. Then I was charged 15$ for the late one dollar past due and my total credit amount reduced by 3200$. I am very displeased with this darn company.

I am a victim of identity theft closed my acct 3/2008 my limit was $300. I requested all documentation including charges, where they were made and my signature three times they sent me garbage showing I owe $497. then another $600 now another $803.00 they still have not sent me anything showing my signature or where charges were made. They are known for ripping people off, I wander how they get away with this? Orchard is also known as HSBC.

As I do from time to time, I checked the position of my HSBC - Mastercard to ensure everything was up to date and in good standing as I have kept it since opening this account. I came to find out that my credit limit was slashed by nearly $3400! No justification was given but for that it was a business decision by HSBC after a review of their customer base and accounts. I am not unsophisticated nor naive to think this could not have happened to me, since I have heard warnings from various news sources that this could happen at any moment, to anyone. But even to someone who consistently keeps his account up to date, paying the account in full every month?

HSBC, through the economic turmoil that is enveloping the U.S., if not the world, has seen its market capitalization decrease significantly since 2007 when it was nearly on par with Citigroup. However, it still remains one of the largest, if not the largest, banks in the world! So, in addition to my question above, if HSBC is doing this, are the others not far behind? In fact, the only surprise to me in all of this really is that others have not done similar already.

But this cannot be the way. The consumer has made some mistakes I am sure, as have the banks. But the banks cannot get the bailouts on some contrived notion that without them, this economy fails while the consumer not only receives no bail out at all but is increasingly burdened with a lack of credit. With the banks, the economy failed and now as we the people are trying help them, they are failing the very consumer that got them where they were and are helping them get out of where they are.

If this is a business decision, then it should be the people's decision to let them fail, go bankrupt and disappear. If they will not lend nor provide credit, what do we need them for? Sympathy they will not give.

I had gotten this card one month prior to my wedding in 2007, so I've had it about 2 years now. I just seen a few short weeks ago that my credit limit was reduced on this card from $7000 to $3600 and without notice! Aren't they required by federal law to notify the customer of impending changes to a credit limit/interest BEFORE they actually do it? This is an outrage! This all began about two statements ago I noticed that HSBC reduced my cash advance limit from $3500 to $1300, first. I wondered why that was? Then the last statement I received I saw the credit limit reduction and my mouth just dropped. This puts me about $400 shy of maxing out my credit card! I am so angered by this because I've worked very hard to get my FICO score just in the high 600's. (I used to have bad credit, so this is a BIG deal for me). Now it's messed up again. My husband and I can forget about refinancing our house for while because of these idiots. Once this card is paid off, I will NEVER do business with HSBC ever again- if they are even in business a year from now.

I filed my taxes this year and when I requested a RAL I was denied by this bank because my husband owed a fee to them way back in 2004. Come to find out this fee was charged off in 2005. If a fee was assessed, he was never notified. When I spoke to the representative on the phone she told me the notice was sent to an address I had never lived at, and my husband had never lived at. Then I found out that this fee ($49) was included in a bankruptcy also. Long story short, the bank just flat out denied our RAL for no apparent LEGITIMATE reason. The rep told us we should get our check (sent to the tax preparer) in one week. We'll see! Sounds to me like they just flat out deny everyone for any reason, even if they have to pull one out of their @*#, and then they charge you for it.

I also have sent my moms Payments and have been told they cannot apply the payment - We started to do the payments online and that is when H--- broke loose, payments were not posting they were sending money back - we were overcharged a hugh amount for non payment. Very Very odd. So we have gone back to re-sending this in the mail.

Man all you people are so dumb don't you relize everyones credit limits are being vut...look around they are just covering there a$$..yeah it sucks but they felt you were a risk of defaulting and they did not want you to max out before you decided not to pay

I would like to here more about HSBC .They have lost alot of checks that I had MAIL TO there p.o and they have no ###ing cule were they are and keep calling me everyday when I have sent the checks by certif Mail . And they told me I could use there bracnh of to make a payment that the want $15.00 THEY CHARGE .

Same thing happened to us. Only thing on our Costco account was a membership fee, which didn't get to us until later due to a move. (Odd since our other creditors all managed to find us and all our mail was forwarded). Multiple late fees, 60 day overdue notice on all credit reports, ruining our credit scores and causing our other major creditors to slash our lines of credit, which have still not been restored, still pulling down our credit scores. We paid the member fee when we finally got a bill, complained through Consumer Finance Protection Board (govt agency) and got fairly quick response removing late fees and removing bad credit item. They cancelled our membership and good riddance. For their $55 membership fee (they couldn't have called us or emailed us? None of those contacts have changes in the last 15 years) we had to contact all credit reporting bureaus and other creditors multiple times, and we still have lost literally 10's of thousands in our credit lines. Why didn't they just cancel our membership?! We closed out the credit card aspect of our Costco card years ago, paying with Amex instead. Note I believe they're with Capital One now not HSBC.

I know this thread is old, but I was irked today about HSBC Retail Services/Costco credit card (suddenly can't download into Quicken) so I was searching online for answers and saw this. A few years ago I got hit with a couple late fees for the same reason, the e-alerts not working, but at the time I thought it was my fault somehow, then got angry when it happened again. They waived the late fee once. So I paid manually for a year or two then tried again. Bad idea! I guess I paid 2 or 3 late fees. Now the e-alerts are working. I wish it were something you could have a class action suit about! It was like a trap. They must have raked in the $$ in late fees! My husband just succumbed to Costco's discount deal if you get an Am.Express card...sigh. I wonder if they are replacing HSBC?

on 9 feb 2011 realized that i had not received an email for my costco bill, been doing this for a couple of years now, finally found the web site and guess what i had a late charge. Racky ( thats the way she spelled her name) reversed the late charge, did she reverse the ding to my credit report. I DON'T THINK SO. i decided to pay off my account and get rid of it. NOTICE THE DATE AT THE BEGINNIING OF THIS. today 10 feb 2011 GUESS WHAT i receive an email saying i have a bill due on 6 feb 2011. is there a problem or what? since it is now 7:00 pm and costco is closed i am going to stop, have a glass of wine and try to lower my blood pressure. trying to decide who to contact and bitc# to. i know its a big bank but it just ticks me off

Had problems with overnight payment stated that they did not receive it, altho my bank had transaction number indicating that they had received it that night. Held payment for 4-days and then processed it late. They denied holding the payment and stated that they do not do that, bull. Anyway my bank guarantees the payment date, and paid the late fees. Have since learned that when this occurs and you speak to customer service at HSBC, you need to inform them you have tranactions numbers and all other evidence and you are reporting them to SEC or check with your federal overseer for that bank, and report them. They will immediately change their tune, because they know the are committing illegal acts, and don't want them investigated and face fines...They are the CRAPS, am switching to American Express...

Well, had the same problem. Moved to the area where there is no Costco and hadn't use the card. Membership landed on my card and I did not get an email of the balance (no option for autopay available). Got a notice from my credit monitoring that my score dropped from 770 to 650 next day after due date as account was reported past due for unpaid minimal balance of $10. Spend 3 hrs on the phone with HSBC (went to a second level manager), but I was able to prove that they did not send an email and late fees were reversed (which is so so), but most important they reversed reporting of late fees to credit all bureau and my score went back.

I closed that card after all of that and no way in hell I am going back to HSBC.

BTW, my wife also had a different card from HSBC and customer service was also very poor. We closed it as well.

Having suffered the ignominious attitude of this bank's customer service, I realized two things. First, it's not a bank, it's the MOB; ruthless, vindictive, greedy creeps. Informed by one such toad that not only was I to pay a penalty for placing my payment through a phone line (hello. If you web page does not work what shall we do?) a new policy reached into my pocket. My cost over my payment $50. Toads and shills. Second, service? Ha! There is no stinking service with these jerks. Had I gone into banking, I would be the fourth generation in my family to do so. It is greedy, evil, arrogant slogs such as these that reaffirms my decision to stay the hell away from such people and banks. Another instance, I was penalized because the due date was a holiday. I know of no other such banks which do this. The customer service [censored] said it with a laugh. I said, "You should be ashamed of yourself." Enough!

You're not alone. I can't believe Costco would allow a credit company like this to handle their credit accounts. If enough people cancel their memberships, they'll get the idea. I would definitely file a complaint with Costco headquarters in Issaquah. Don't even waste your time with HSBC. They don't care, and trying to explain anything to their service department personnel is an exercise in futility.

I have had numerous issues and late fees when I have NO issues with any other cards and I always pay in full.
HSBC's customer service is aweful and I am tempted to cancel my Costco membership to make my life easier and avoid unnecessary dings to my credit. I can't express my frustration enough.

Indeed, and as written above, HSBC/Costco did the same thing to me! I haven't purchased anything with the HSBC/Costco credit card for over two years, but a yearly membership fee exists to merely have the credit card. For two years now, an e-bill was supposedly sent to my e-mail address once a year about the annual fee, but I never saw it, and if it did arrive, went to my "trash" bin on Yahoo. In any case, they never sent a paper bill to my home or anything like that, and called me out of the blue to inform me that my account was past due, and that they reported me to the Credit Bureaus. As an attorney, and a person with good credit this is preposterous. I have now paid the full amount due as soon as I received their late notice via a phone call. I will no longer use my Costco credit card, nor will I do business with anyone using HSBC in the future.

HSBC/Costco did the same thing to me. HSBC/Costco was almost never able to successfully deliver my e-bill, but for some strange reason was always able to sucessfully send the late notice, complete with finance and late charges. I didn't realize that I had a billing balance and had not received a bill. I paid the full amount due as soon as I received their late notice. but found that I had already been reported to the three credit reporting agencies as a bad debt. I notified HSBC/Costco customer service on four occasions over a two-year period of the problem with their billing service, but they refused to acknowledge a problem existed, and did not fix it. I will no longer use my Costco credit card, nor will I do business with anyone using HSBC in the future.

I had a car financed with HSBC. I stopped receiving statements and come to find out my account was sold to Santander. Santander could have cared less about my payment being late even though I had no idea what had happened. I have had some kind of problem every month since this new company took over. I ended up refinancing with someone else. Santander said they never received payoff for the car even though the check had been cashed three weeks earlier but they reported me to the credit bureau saying I was delinquent. Now I have to deal with that. GREAT customer service huh?

I have also been struggling with this auto company. Received letter stating they are available to assist me anytime during the week. I phoned them numerous times May 13th and each time a recording came on stating "no one is available to take your call at this time, please try your call later". Which I did and got the same message. What a messed up company. This type of company will make me never trust any finance company again. I will save and pay cash from now on and curse any company that resemble HSBC. God help anyone who gets lured by their idle promises.

Hsbc should be ashamed of themselves but we all know that they are not. Everytime I call I get the automated system that goes around and around and never gives you a live person. Then when they call you it is someone who does not clearly speak English. I do not know the names of the people I spoke with because I barely understood what they were saying. This is every month. I mailed payments and they opened and sent them all to the bank at once when they were dated and then they could not understand why I was upset then they took 6 weeks to return the fees to me. I had to change banks because of the way they do business.

HAVE HAD 2017 TAHOE FOR 4 YEARS THROUGH H.S.B.C. EVERY SIX MONTHS HAVE TO FIGHT WITH THEM ABOUT HAVING INSURANCE ON THE VEHICLE SO THEY KEEP TRYING TO TACK ON THERE INSURANCE TO PROTECT THEMSELVES INSTEAD OF CONTACTING THE INSURANCE CO. WHO I HAVE IT THROUGH. IF THEY KEEP THIS UP THEY CAN COME GET THE TAHOE THAT I STAY TWO WEEKS AHEAD OF ON THE PAYMENTS AND WE'LL GET ANOTHER ONE JUST LIKE IT AND PAY LESS FOR IT THEY NEED TO GET OFF THERE DEAD ### AND HELP PEOPLE INSTEAD OF HURTING THEM. SORRY ### ARE ALL ABOUT SCREWING PEOPLE OUT OF MONEY.IF PEOPLE WOULD TURN THERE TRUCKS BACK IN TO H.S.B.C . THEY'LL BE THE ONES ASKING FOR A HAND OUT FROM THE GOVERMENT NEXT YOU GO TO STEPPING ON TO MANY PEOPLE YOU'LL BE OUT OF A JOB

I purchased a 2017 Toyota Matrix from Planet Mitsubishi in Modesto, CA (now out of business) 3 yrs ago, financed by HSBC and have now found out the car has frame damage, may be unsafe to drive, is not worth anything near the loan balance and can't be traded in due to the damage. I am now unemployed and can't afford the car payments, can't turn the car back because HSBC definately doesn't want it. What recourse do I have to get rid of the car, get my money back from all the payments I've made on this car? I still owe 13k on this car and it isn't worth anything! HSBC financed this purchase knowing that it had this damage and now I find out I could be driving a vehicle that is potentially a death trap waiting to happen. I don't want to have my credit ruined because of this.

I called to inquire about my account and the status. First, I was told by an Indian call center rep that my account was current. A few weeks later, I called again and an Indian lady told me I was current but only for the last 30 days. She could not research back the past 6 months or so. On the third call after about another couple of weeks, I was told I had delinquent 30 and 60 day records. I wanted to get additional information on why this happened all of a sudden. I was not given a satisfactory response. On the fourth call, I was patched through a call center in the Philippines and I was told that I had numerous delinquencies and they were going to update my record to reflect the delinquencies on my credit report. Come to find out, without delay, that is exactly what they did. At first, I did not have the delinquencies and just because I called to inquire, they made their discovery, found me to be uncooperative, and made my credit report worse than it was originally. I have hired an attorney to help me but it seems HSBC is standing by their inaccuracies. I had actually been paying on time and one month, I paid in advance. Evidently, this advance payment threw off their computer system. When I did not pay the following month, because of the advanced payment, their system recorded this as non-payment. We have argued this but they continue to bully us and disregard proper correction. This is by far the worst customer service I have ever dealt with. And come to think of it, we only have 2 months more to pay and the whole loan will be completely paid off. Out of the 60 months payments, I obviously have been late a few times but this does not give HSBC the right to be prejudice to me nor become retaliatory or discriminatory. I do not know what else to do. If this loan is completely paid off, the more HSBC will no longer have any interest to resolve and/or correct the problem. Please help if you can. Sincerely, Rolando [protected].

When my Chevy van broke down with expensive transmission troubles in 2017, my sister suggested instead of paying for a new transmission to try to trade in my van for a newer vehicle. At first I thought this could be a good thing, I could get a newer vehicle, make payments to re-establish my credit, And the dealership was offering a guaranteed $4000 trade in for my broken van for a used car.

I settled on a 2017 Chrysler PT Cruiser basic model. The car had 16000 miles on it already but we were offered the extended warrantee with it. The total price for the car with the trade in was $14, 000. Everything was fine until the dealer had trouble finding me a financer. My credit was shot after hurting myself on the job 10 years before. I had a lot of unpaid medical bills I was fighting since the worker's comp was supposed to pay them. In the interim, I got stuck with them on my credit, lowering my score to about 545.

The dealer finally said he found a bank to take my note, but I would need a co signer. My sister who went with me to the dealer agreed to sign for me, and after signing the papers I drove home with my new/used Chrysler.

I am from Buffalo, New York originally, and HSBC is everywhere there. They have a 22 story tower there, bank branches throughout the region and they sponser the areana where the Sabres play. I even had my bank account with them for 15 years before moving to Indiana where they don't have branches here. I thought I would get the same level of great service I got in Buffalo, boy was I wrong!

They never sent me a payment book for the car, instead they send a bill every month. The first bill I received said the total balance with the agreed upon 7.9% on my note was close to $17, 000. That seemed about right, and I started to make my payments on time, every month.

Also, they had the wrong name as the primary borrower. They had my sister as the primary and me as the co signer. I called the 800 number on the back of the bill to question this and was told it didn't matter who's name was first, we were both responsable for the bill. This was the first red flag for my sister and I, but we knew we couldn't find anyone else to take the note. So I paid my bill, on time every month so it would not reflect poorly on my sister's credit or mine.

However, there were some months when they would call claiming they did not receive my payment. I knew this could not be right since the payments were going to Carol Stream, Ill, which is near Chicago and we are in Indiana about 60 miles from Chicago. I pointed this out to the representitive on the phone that it only takes 1 day to get the mail from Indiana to Illinois and that the payment was mailed at least 10 days before the payment was due. Even if they had the slowest mail room in Chicago, they still should have received the payment.

The rep barely spoke English, he had a very heavy East Indian accent. He insisted that I had to pay my payment by credit card right there over the phone. I refused, and informed him that it is illegal to make such a demand since he could not proove he was actually from the bank. When I pressed back for confirming information, he refused and hung up on me. But an hour later another rep called with the same tune, pay now by credit card. I again asked for confirmation that he was with the bank, and was hung up on. Again, this rep spoke with a thick East Indian accent.

We stopped answering the phone to that phone number, and a few days later the calls stopped. However, every few months or so, I would get calls like this. I made a complaint with the FCC about harassing calls, then they stopped until I actually did have a late payment. But this did not happen until almost 4 years later.

I recently hit a bad spot financially. The rising gas prices, my rent was increased, our utilities went up, so did the cost of groceries. This ment that the loan was getting paid later and later every month. So the calls begain again. This time they were even more agressive, threatening to repo the car with only one month past due. I missed 1 payment but continued to pay my payment leaving me steadily 1 month behind.

They now call from about 6 different numbers, with different area codes. I went into the hospital in June for a few days. I do not have health insurance and I am self employed. If I don't work I don't get paid and thus don't have any money. I missed another payment with HSBC. I have tried to make as many payments as I can, even partial payments. However, when they send me my statement now, it says that the total of my partial payments is correct. But when you look at the breakdown of how they applied the payments it is nuts! It says for an example, they received $450 in payments that month, out of that payment $350 went to interest payments, $70 went to late fees and the remaining balance was applied to the princaple!

I went back and took a good look at how the bills were applied for the last few years, they did the same thing, even when the payments were on time for over 3 years! They took a huge portion of the payment to pay 'interest' and then applied a small amount of my payment, usually less than $50 per month toward the balance owed!

I have loans with other companies, two to be exact. Both of those loans has the total amount owed that includes the interest applied. When I make a payment to them of $110 dollars on time, my bill is reduced by $110 dollars. When I am late there is a set late payment fee applied that must be paid in addition to the regular payment.

I have paid these blood sucking vultures over $12000 on my note which they say with the interest was a total of $17000. So how is it that my bill says that I still owe almost $9000? I don't know who is their 'math wiz' but there is no way I still owe that much on this loan. They are still threatening me with repo, and I am shopping for an attorney to sue. If they keep this up I will put the car in locked storage and buy a beater until this is resolved.

Up to ten calls a day on my personal cell phone which is used exclusively for family medical emergencies. There is no live person to talk with nor any effective e-mail address to lodge complaints or demand a stop to these unwanted calls. A letter sent to their San Diego address was not answered and the calls continued. Repeated complaints to the FCC only resulted in HSBC Auto Finance routinely changing the numbers they call me from. I've never had any account with HSBC and obviously never will. I'm at my wits end on how to put a stop this. Verizon Wireless cannot block the calls so the only real option is to change numbers which is a major inconvenience.

I am really upset because I have been attempting to call the HSBC main number for a week now with no avail.., ...The number I call is the [protected] and when I punch in my account # and hit option 2 afterwards, the automated operator responds and says the office is now closed. Terrible customer service! No one seems to know what's wrong! All they do is keep transferring me to numbers that are not able to assist me because they have nothing to do with what I am calling about. All I am wanting is to speak to a CSR!

WHY SHOULD I BE CITED FOR NOT HAVING PROOF OF INSURANCE? I FEEL THAT IT IS ONLY FAIR THAT IF WE PAY EXTRA FOR AUTO INSURANCE WE SHOULD HAVE SOME SORT OF PROOF LIKE AN INSURANCE CARD LIKE ALLSTATE...MAYBE WE SHOULD HAVE OUR AUTO FINANCE COMPANY BE RESPONSIBLE FOR OUR CITATIONS?