HSBC Holdings
Reviews and Complaints

Dear sir,

I have applied green card lottery, and submitted my personal details and paied $15 payment. After youre agent call me and request my credit card details. I think that is my fault. I give him to my card no and cvv no after he asked me some questions but i'm not hear it clearly. After I request to refund my $1000 payment. Also customer relation ship manager mr. Richard agree to refund my payment and closed my green card application. But it is not recived my credit card. I under mention you to my request and youre answer also my bank document. Also my bank infrom me to youre not refuned this payment. My application no154338973

crm@usafis.org

Sun, Sep 2, 2018, 5:58 PM

to me

Dear duminda priyadarshana,

Unique Number:[protected]

Please note that your Green Card Lottery Application will be closed and your account will be refunded with the sum of $1000.

Please note that the refund will be issued from our company immediately. Usually, it takes around 7-10 business days until you see the funds in your account and credit card statement.

If you have further questions, please do not hesitate to contact us.

You may contact us at: +1-646-517-6786 (USA)

For more ways to contact us, please enter our website at:

http://service.usafis.org/en/customersservice/

Yours sincerely,

Customer Relations Management
USAFIS ORGANIZATION
Tel: +1-646-517-6786
Fax: +1-212-937-3322
WhatsApp: +1-646-668-2991
Email: crm@usafis.org

Also I read and call you and confirmed this reffund, but

It is not debit my next month credit card ststment. Then I call to my bank of hsbc. My bank infrom me to already my application not closed. But I remember you to you agree to closed my application 2018-september 02. So my bank credit you to this $ 1000 payment.

So I request you to if you agree to close my application and refund payment of $1000 my credit card. I 'm very poor pepole in srilanka so I kindly request you to refund this payment. As well as I 'm sorry to I have some mistake in contact over the phone to do this transation. Because i'm not hear youre voice well. So please arrange me to refund this payment. If you have any carification call me or my bank I under mention you to my bank phone no.

Hsbc srilanka -0094114452263 or [protected]

Thank you.

Duminda priyadarshana

94 [protected]

HSBC Sri Lanka Credit Cards

Attachments
Mar 18, 2019, 1:35 PM (2 days ago)

to DUMINDAIND1980

Our Ref - PN/ [protected]

Dear Mr Priyadarshana

MERCHANT NAME TRANSACTION AMOUNT TRANSACTION DATE

1) USAFIS* GREENCARDSER USD500.00(Rs82, 461.26) 23 AUGUST 2018
2) USAFIS* GREENCARDSER USD500.00(Rs82, 461.26) 23 AUGUST 2018

Further to your conversation with our staff Susan Blessy Alfred on 18 March 2019, we have attached documents
received from the merchant bank.

We regret to inform you that the chargeback raised on good faith was declined by the merchant bank.

As such, we kindly request you to contact the merchant directly in order to resolve the matter amicably.

We trust this clarifies our position and appreciate your understanding in this regard and assure you of our best
service at all times.

You are a valued customer and we assure you of our best service.

Yours sincerely

Praveena Machiraju
Assistant Manager Processing

Previous Reply Follows:
-----------------------

Our Ref - PN/ [protected]

Dear Mr Priyadarshana

MERCHANT NAME TRANSACTION AMOUNT TRANSACTION DATE

1) USAFIS* GREENCARDSER USD500.00(Rs82, 461.26) 23 AUGUST 2018
2) USAFIS* GREENCARDSER USD500.00(Rs82, 461.26) 23 AUGUST 2018

Further to your conversation with our staff Susan Blessy Alfred on 22 February 2019, we have attached documents
received from the merchant bank.

We regret to inform you that the chargeback raised on good faith was declined by the merchant bank.

As such, we kindly request you to contact the merchant directly in order to resolve the matter amicably.

We trust this clarifies our position and appreciate your understanding in this regard and assure you of our best
service at all times.

You are a valued customer and we assure you of our best service.

Yours sincerely

Praveena Machiraju
Assistant Manager Processing

My HSBC credit card had been aunthorised transaction on 14th Oct, I called HSBC directly to cancel the card immediately when this transaction happen and they refunded me that amount on November after I fill in the dispute form.
However on January, HSBC sent me letter said that the merchant bank said the transaction is valid and they charge me back this amount and ask me to pay for it.
I already called customer service saying that this transaction is not by me and I refuse to pay. I even cancel the replacement card issued by HSBC after this unthorised transaction incident happened.
I'm not sure how the third party theft my card information and issued this transaction. There must be some leakage of information from the HSBC side as I didn't lost the card.
How can HSBC secure a customer by refunded the amount and then charge back the amount. I was very dissatisfied with HSBC. I'll not use any HSBC product in the future.

I applied for a credit card and was approved. There was a security issue with the card and so it was blocked. I started calling last Friday to resolve the issue. I was on hold for over 30 minutes so I figured I called at a bad time. I tried three other times at different times and I have yet to speak to anyone about this issue. Right now I am on hold and I have been on hold for one hour and 16 minutes. UNACCEPTABLE. What if this were a serious issue? Frankly at this point I am not interested in the card and I have asked to cancel it because I am assure you I will never use it or have any dealings with this bank. What a terrible customer service experience. To cancel it I have to speak to the security people. I cant cancel. I cant resolve issue. Crazy. Fortunately, with most businesses understanding the importance of customer service, this happens almost never --it should be unacceptable to you as well but obviously this is not the case.
I would not recommend you to anyone.

HSBC Is literally garbage, they don't take customers ad priority, they just let the customers wait in line for a while and just leave them hanging. This is literally the most annoying bank I've ever been too. When a customer comes in to answer a question the lady lietally just stares at the computer and completely disregard the customers existence. This is probably why they don't receive so much new customers considering their service is the worst I've seen.

Dear sir /mam...m nt sure when m writing this complaint if it will be addressed or even looked into, however this is to draw ur attention towards the kind of pathetic activity/lies, the third party vendor for HSBC is engaged into.i gt my HSBC card and was very happy abt it when I was staying at my rented premises in gurgaon.i moved to delhi after a couple of months and then I continuously started receiving calls from this third party partner of HSBC for an add on card for n number of times in a day, I was nt interested and was aware that first and foremost I need to change my address with the bank then I would be able to receive any correspondence from HSBC at my new address, however this representative from the third party of HSBC constantly lied to me that they will change the address once I fill up the new address in the form that the executive will carry when he comes to pickup my documents at my new address, and she just wanted to sell the add on card irrespective of the possible harassment I would phase after I agreed to her lie, I finally agreed after she told me several times that the address will be changed.now the executive came, took the documents and took my new address but I never received the card, the courier service called me to pick up at my old address which was nt possible for me...nw m.harrased by this so called third party seller...Pls pls help me if possible..

The worst bank in Malaysia. They made me wait 4 months just to increase a credit card limit. Surprisingly, after i spoke with the dept Lead today, they rejected my wife application in less than one hour. We were asked to provide them payslips whenever we spoke to different agents. They even asked us to provide 9 months bank statements from CIMB and Maybank.
Customer service is the worst! Calling their toll free number takes forever!

Am douglas, my foreign partner name linda woodward, deposited some funds into her personal account in uk, meanwhile the money is to be sent to me, she gave me all her bank details and the details of the bank she deposited the money 76 acre ln, london, sw2 5sg. United kingdom +44 [protected], with the name of the officer in charge mr edward johnson in charge of the foreign operations and international remittance dept, their emails and phone number. That I should contact them. For them to tell me how they will transfer the fund. That with all the details she gave me, if they see the email they will attend to me fast. Because she said she has told them that the money is to be transferred to a foreign account. I have sent an emails to them [protected]@trusteecredits.com,
[protected]@outlook.com
Pls I want you to help me. I have the details of my partners account. So I hope to hear from you soon. Yours faithfully douglas.

today (2/08/2018) when I woke up about 6pm, I notice I received message in my phone about OTP transaction that I not done. I call HSBC customer services and they decided to block my card and they told me they will replace to a new card. I would ask them to send my replacement credit card to Bukit Bintang brch becouse I can collect from there but customer services told me they only can send my credit card by normal mail.
After I finish my work today around 12 noon I decided went to HSBC Bukit Bintang Brch to ask them to send my card to their brch as early by tomrw afternoon around 12pm because I am flying to Jakarta tomorow noon after 3pm and need to use my card.
I upset about HSBC because after so long support HSBC about more than 12 years, they coudn't replace my card early. now I decided to redeem all my points and wanted to closed my account with HSBC after I get all my items redemption. thank you HSBC to treat your loyal client like this.

i have no idea how hsbc is like if you lived in dubai and could walk into a branch (if I could, it would be to close my account and never set foot again), but trying to do anything while overseas is impossible!
Today I called to request 2 bank transfers. I have been on the phone for 50 minutes so far and not even finished the first! I have every bit of information (this is my 5th call in 3 weeks - yes, the same transfer I have not been able to make all this time) - I provided it the second I was asked, so what on earth do they do when they put me on hold and go away for 20 min each time?
And if only that was all...
I requested a security device 1 month ago. Never received it. One month later I still do not know what happened, I still do not have the device - it is on my list to ask about in this current call, but the way it is going, now 1.17 hr into the call and still on on hold, I probably won;t get the chance before the line drops or hsbc just wears me out. Listening to the same music over and over again is a one of those controversial torture techniques they use in war camps. I have listened to the music on hold for over 4 hours in the last few weeks - and still have not completed the first transfer. Its worthy of record books.

Customer service not up to the mark. on website you claimed to be available 7x24 but no body is attending calls during holy days special on friday and saturday, even in normal days. currently I am on hold since 40 minutes who is such huge amount of time and money to lose.?! HSBC is big name please improve your service.

Moreover, in your new SABB net portal (website) there is a issue, every time while sending message it says special characters are not allowed even if there is no special character. it is may be your technical team have saved normal character as a special character in back end.

Thank

HSBC representative called and offered a credit card. I agreed, thus applied. Another HSBC clerk called the next day, said he couldn't find the phone of my employer, mentioned in the application. Spoke like a taxi driver: no grammar, no politeness. Plus, looks like, doesn't know, how to use google: had to guide Him through the website of the company, to show the phone. After that in 2 days on non-banking day the application was rejected.
Am just curious, what kind of people They are hiring for these positions. And what do They expect to know by calling to the company, using the official phone number.

My card (advance account credit card) has 4 Valet parking a month that i can claim. I did last month (Jan2018) for 3 trips to the airport.
In the last week of Jan i got a message from the bank saying it is a reminder that i need a min. spend of AED 3k per month for this service to be free. else they will charge.
This is new info to me as i have used this service in the past and they havent charged. and i was not aware that it was linked to a min. spend limit. They charged me 74 AED per visit x3 vists.

This is the first time i receive such a warning message. They should have given me some notice of atleast a month. How do they expect me to make such a big min. spend limit within a week? i am going to move away from this bank at the earliest. Its shameful how they lost me as a customer with this stupid move. Such a big multi-national brand and such misery. I know this feedback is not going to affect them. they will still continue to ignore anyone who is not a HNI.

HSBC has the worst customer service, their policies are only for the HNIs and they completely ignore anyone below. I will not at all recommend this bank to anyone. If i had my card from some other bank, i would have earned points for my purchase till now. but i get nothing from this bank. i feel betrayed and as an unwanted customer.

Dear.Sir/Madam,

This is to inform you that one Fraudulent in America Cheated me for US $ .30000 through HSBC Bank USA by opening his account with your Bank to carry out this Fraud by providing me Revised Invoices of a Company in USA which I was doing business with. This Account holder Fraudulent Name is Marvin Lee Anderson which all Account details are with me.
I would like to know from your end when the Account Name and the Number was different how did your Bank Credit this Amount in this Fraudulent Account which no Bank will do.

I remain here awaiting to hear from you at your earliest Sir/Madam.

Kind regards,
Rathnesh Karunanayake
HSBC Advance Account Holder

This is to inform you that My name is Khuda Bakhsh Kasmani, I have my account in the Standard Chartered Bank in Karachi Pakistan. I visited in Sharjah City Center on 12th October, 2016 and I withdraw AED 1000 from your ATM Machine. The machine will be started and stop after few seconds the money is not come out. I have receipt copy of the receipt.

After my UAE visit, I return back to Pakistan Karachi and I submitted complaint to my Bank my bank take time 12 working weeks and again I submitted complaint also bank time take 12 working weeks, after complete the period the bank said the HSBC UAE bank is responsible of this payment.

It is therefore, requested that kindly return my payment of AED 1000 in my same account or I have my account in Sharjah Islamic Bank UAE.

I have receipt copy if you need I will provide to you.

My mail ID is [protected]@yahoo.com
My contact No. 00966-[protected]
UAE contact No. 00971-[protected]

Awaiting for your reply,

Regards,

Khuda Bakhsh Kasmani

I have raised a dispute (20th July 2017) about a fraud transaction on my HSBC Credit card and I immediately contacted the bank and informed about this fraud transaction to take the necessary measurement and act accordingly.
They logged the call and after several phone call to follow up, I received an irresponsible email stating that they can do anything about it and that I should contact the merchant (FLIGHT RAJA TRAVELS )directly to reach to a resolution. THATS IT!
So my answer was and I will paste the email I sent as is dated: (7th August 2017) and till today I haven't received an response or any courtesy call !

"Hi Imran,
I’m really disappointed with this decision and the outcome of your investigation
This fraud transaction has had me doubting the security measurement taken by HSBC bank
I request further investigation and a better resolution and not just asking me to contact the merchant and solve this issue by myself…
This is not acceptable and honestly I was not expecting such a an answer from a reputed bank such HSBC.
I immediately reported this frauded transaction to HSBC over the phone and I believe it could have been handled properly by your support team probably through rejecting and reversing this transaction but this didn’t happen.
I expect further information and details about the investigation you have made as I’m not satisfied and convinced with your answer.
Although, I have been a loyal credit card holder with HSBC for over 7 years but after this incident holding an unsafe card knowing that this might happen again in the future and my BANK who is supposed to provide the necessary protection would not stand for me … I better search for another supporting BANK
Thanks"

***************

I made a transfer from my Account in saudi to my account is Egypt on the 6th of Aug and till now it's not reflected to my account in Egypt. And i had to call them in Egypt more than 4 times and every time they ask me to call again.

Very poor customer service and no follow up from their side and i have to call them again and again

Attached Copy of SWIFT

When I went to the HSBC bank in San Gabriel to open a new account, the service was horrible. I was basically the first one there at about 9:30. When I got there, the lady at the counter told me to wait 15 minutes, so I waited. After 15 minutes there were already a couple of people there, but instead of me, they called someone else. They said that I was next but when that person is done with their business, it still wouldn't be my turn. As the minutes turned to hours, it still wasn't my turn. Even when they said that I'm next and there isn't anybody in the room, they would practically wait for a customer to come, so basically it was never my turn. In total I have waited over 2 hours! This is why I will never go back to the HSBC bank in San Gabriel! Also, when the lady at the counter asked if I had signed in, I said no because there isn't even a sign in sheet!

I have been banking with HSBC UAE for over 18 months. I cannot say anything positive about their service during this time.

I have had several problems including:

- Auto payment set up to automatically deduct the minimum payment for my credit card each month. Surprisingly this never happens and I am subsequently charged 200 dirhams late fee, only for the payment to be automatically taken two days later! I speak to them each month and they confirm this is set up yet each month it always leaves 2 days late. What a con!

- I recently left my company and 3 months later I received a bonus payment from the same company. Instantly 15, 000 dirhams was put on hold on my account and when I asked what this was for I was told I was being charged 10, 000 dirhams for changing employer! I explained I hadn't yet secured a new job and this was simply a bonus payment from my old employer. It took 4 one hour long telephone calls to resolve and several broken promises of them returning my calls. Obviously they in the end accepted they were wrong but of course no compensation to me for the time wasted!

Every month I have a new problem with them, either with them taking money without my authorisation or not taking money they are meant to and then charging me for it.

A lot of my friends bank with ENBD and highly recommend them. I would thoroughly advise you avoid HSBC at all costs and bank elsewhere.

This complaint has two aspects:

a. A complaint against HSBC regarding their lack of customer protection when using the on-line HSBC Credit Card (Mastercard) for transactions.

b. A complaint against HSBC regarding their extremely poor staff training, poor customer service and complaints procedure.

An outline of each complaint is as follows:

a. HSBC Credit Card/No On Line Transaction Confirmation. A detailed sequence of events can be provided. In outline:

• I attempted to use my HSBC Credit Card (Mastercard) to purchase a flight using an on line transaction.
• Whilst on the HSBC/Mastercard on-line verification page the transaction ceased and the page went blank with no transaction being completed. There was no subsequent SMS to say the transaction had occurred.
• Believing no transaction had occurred, I then purchased (at an airline office) a flight ticket.
• The next day I was informed I had been charged on my Credit card for the initial on-line transaction (AED 4520.63).
• I contacted the merchant and was refunded the cost of the return flight only (the outward flight had left). However, I lost the cost of the outward flight as the on-line failure was due to HSBC/Mastercard site, and not the merchant’s responsibility.
• I complained to HSBC and requested they refund my loss for the outward flight (AED 2421.33). HSBC Complaint Number KMM5546131V84829L0KM.
• HSBC have refused to take responsibility for the failure of their online system/verification process and reimburse me this financial loss.

b. HSCB Staff Training and Complaints Procedure. The HSBC staff training and complaints procedure is not fit for purpose. Details of all dates/occasions where I have interacted with HSBC (72 days to-date) can be provided seperately. These reflect:

• An inability by HSBC staff to be interested or care about the customer’s complaint; they are disconnected from their customer base.
• A poor standard of staff training; inability to prepare to interact with the customer prior to contacting him.
• A lack of understanding of their own complaints procedures.
• No handover/takeover of a complaint issue between staff within the same department.

In summary, I am complaining that at no time was was I informed that verification had been completed and a financial transaction had occurred on my Credit Card. I believe that HSBC have a duty of care/responsibility to their customers to confirm that every on-line financial transaction has occurred. Customers must have trust in a bank’s on-line capability. Since this situation arose on the HSBC Mastercard verification screen (which is not the merchant’s responsibility) the full responsibility lies with HSBC. As a result, I did not immediately contact either HSBC or the Merchant as I believed the transaction had not occurred; indeed I went out and brought a separate airline ticket. This complaint has not been well dealt with, which is a direct result of their extremely poor uncoordinated customer service process.

Help please!

I left Dubai over 5 years ago and I have very slowly been transferring money every month whilst living in South Africa to pay back all of my Credit Card debt.

All of a sudden about 4 months ago the monthly transfers were bouncing back and I was unable to make payments.

I have hugely frustrated as I have tried everything to pay the full amount outstanding and close the account. I have been on the phone for hours talking to someone in Customer Support who cannot help me, I have tried complaining through the online service and I get stupid replies saying please come into the bank and update your Emirates ID Card. DO they not read the emails? I do not LIVE in Dubai and I cannot just walk in.

I managed to ask my boss in the UK to send a colleague to the bank as they were traveling to Dubai for work. So this person I have never met went into the bank to make the payment and they said the same thing to her. The account is blocked and we cannot accept the money.

So Dubai keeps complaining that people run away from their debt and now I know why- they make it impossible to pay it!

I am an honest person and want this resolved as I don't want to get banned from Dubai. Can anyone give me advice on who I can contact in HSBC to get this sorted.

Regards

Tamin
+[protected]
[protected]@yahoo.com