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HSBC

Customer Service Ratings and Comments

HSBC is ranked #270 out of the 301 companies that have a CustomerServiceScoreboard.com rating with an overall score of 20.14 out of a possible 200. This score rates HSBC customer service and customer support as Terrible.

NEGATIVE Comments

87 Negative Comments out of 88 Total Comments is 98.86%.

POSITIVE Comments

1 Positive Comment out of 88 Total Comments is 1.14%.

Issue Resolution

Reachability

Cancellation

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Product Knowledge

Terrible Overall Customer Service Rating
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  • Let me just tell you about HSBC. I had a customer who needed to update their address so that an item could be shipped to their work address. My customer called HSBC talked to someone in the INDIA call center who stated it would be taken care of within 24 hours. I called back, did a conference call with our mutual customer and a rep at HSBC who refused to help us in any way. Even with the customer on the line even though they verified him with security questions, flat out refused to help. So we called back in again late yesterday to see if there was someone who was able to verify if any of the information had been processed regarding his address request, once again they refused to help (even with the customer on the line) YES THIS WAS ALSO THE INDIA CALL CENTER. This was the second call of the day. We also called a did yet another conference call with Aljaja in India who was exceptionally rude and once again would not assist us. I asked to speak to her supervisor who was VAN at 1:07 this afternoon who was dually rude was talking over my customer telling my customer that after 15 minutes of holding that there was nothing that she could do to verify any information or to help us. SOOOOO, I asked for her manager who was Alvay (also in the INIDIA) call center. Alvay, basically told me that there was nothing that she would be able to do for us could not verify the customers address change or tell us if or when it would even take affect. At this point my customer is absolutely livid as was I. I asked to speak to someone who was in the United States and they flat out refused to transfer me. All I can say is just this, if I ever treated my customers like this, I would not have a job. I could never imagine treating someone that I disliked this way let alone a customer who is actually helping to pay my salary to ensure that I still have a job. I am EXTREMELY thankful that I am not a shareholder at HSBC, and if I were, after the lack of repsect that we witnessed today I would sell every damn share regardless. SHAME ON YOU HSBC, how can you possibly get away with treating a customer like a criminal. Way to go!!! Great Service from those PLEASANT FOLKS in the INDIA Call center, Nice job. I can ever last one of you that I talked to today, Aljana, Alvay, van, and the rest of you, if you worked for me, I would have terminated every last one of you and walked you to the door IMMEDIATELY. Your behavior was the abslolute most disguistying display of disrespect that I have ever witnessed in my 14 Years in customer service. You should all be ashamed of the way you talk to your customers.

    P.S. I did chat with my customer who immediately went into the bank to close his accounts. I would have done the exact same thing had I been treated that way. I still can not believe they were so unprofessional.

    DJ 8/31/10 12:43PM

  • Four years ago I opened up a Savings Account through the web with HSBC. They took a few weeks to send me a debit card so I could deposit money into the savings. When I asked them why I havent received it, they told me that they had mailed me a Mastercard instead of a debit card. I told them I had never applied for a credit card, only a savings account putting only $10 to open the account. I got worried and I told them to close the credit card account because I never ever received this credit card they supposedly sent. Then they sent me the debit card two weeks after. I was kind of skeptical to send money in the internet so I did not use it. Three years passed I never got a statement from them, and now a collector is charging me over $800 in purchases which I didn't make! Then I remembered the credit card they sent me and I put two and two together. I am a victim of ID theft!! Now some lawyer called Paul Law Office of Salt Lake City wants to sue me. They have been making harrassing phone calls, 5-8 times per day! I am very stressed about this situation! I told the lawyer what had happened and they don't believe me. I regret having opened an account at HSBC! I don't know what I'm going to do!!

    Outraged! 8/26/10 2:37PM

  • The Worst Bank EVEER
    Have Been Waiting Over 4 Weeks For My Debit Card To Arrive
    then when i tried calling them
    someone who deosnt even speak english had me over an hour on the phone talking rubbish.
    i advise anyone and everyone to STAY CLEAR !!

    Anonymous 8/23/10 10:16AM

  • ATM CUSTOMERS BEWARE - I took $400 from my company Credit Union and took it to the New Hartford, NY branch to deposit in my checking to cover a bill due the next day. After inserting my card and password, The ATM instructed my to insert my cash, which I did, the drawer closed and shortly thereafter the machine generated a "transaction cancelled" message and I was unable to retrieve my cash. Immediately went into the bank to lodge my complaint and was told there was nothing the Branch could do, I would have to file a "dispute" with corporate. I have done so, been back to the branch several times, been "on hold" the phone for significant periods of time and two days later, still have not received a credit to my account. They got you folks, the machine eats your money and provides no receipt, nor even notes the time on the transaction cancelled receipt. Am preparing a letter to the local newspaper as we speak. Customer Service is totally useless.

    MPG4444 8/18/10 8:49AM

  • This bank must not have any accountants. After being told to make a large pmt, and that the pmt would catch us up on late fees, etc, I have not been given credit and still, according to them, owe 75% of the pmt I have made. We are doing our best to improve our credit after high medical bills with the intention of re-financing with ANY other mortgage company. Their customer service reps are clueless and the right hand never knows what the left hand has done. You have to pay to get info from them that other companies give you for free. I am in customer service and I do my best for my customers; one of the things I do every day is warn them about HSBC-to never have ANYTHING to do with this terrible operation. I am not in banking. (Obviously, or I would have known better).

    delphine 8/9/10 9:27PM

  • There is a web site that outlines many of the business practices that HSBC and its affiliates use to screw you even if you maintain a perfect payment record that can devastate your credit instead of helping rebuild it..

    It is at http://www.hsbccardinfo.com

    marcusj 7/31/10 12:32PM

  • HSBC, why do you horeass your customers, there should never be a phone call/letter to you if the next billing date is not here, and once it is and you haven't made a payment then the next day you could call. But you are calling all the time. It's horassment & people are tired of it!!!! LEAVE US ALONE!!!!!

    Anonymous 7/29/10 9:20AM

  • HSBC charged a $39 late fee for a $10 payment that should have been automatically drafted. I paid off the principal but refused to pay the late fee. Now they have charged an additional late fee plus interest, so the account balance is up to almost $75, when it should be ZERO. I tried to handle this over the phone in three separate calls. I faxed them as well. I have gotten nowhere. The last telephone "service" rep refused to transfer me to his supervisor. I've been a customer of their mortgage division for 16 years, and this is the reward I get. What ever happened to companies that thought customers were worthy of SERVICE instead of stonewalling. HSBC sucks.

    Anonymous 7/28/10 9:53AM

  • I have closed all business accounts and personal accounts with HSBC Canada this spring. I am totally disastisfied with their customer service levels, I have never been able to reach someone at my branch directly. All incoming the phone calls go automatically to voice mail, with callbacks from a CSR only occuring the next day.
    I have switched to RBC and have never been happier with a bank.

    Anonymous 7/26/10 11:30AM

  • WARNING - DO NOT USE HSBC BEST BUY CREDIT CARD!!!

    In October of 2009, I purchased a television at Best Buy with the three year no interest promotion. I have been paying considerably more than the minimum charge, so I didn't have to pay the interest on this purchase. I paid my last bill on 7/5, due 7/9. Today, I received my statement with a $39 late fee on it, stating they didn't receive the payment until 7/12. The last time I checked our mail wasn't delivered by ponies!!! I called the customer service department and the woman told me that she could take off half of the late fee, but not the whole amount. I then spoke to a supervisor, who told me the same thing. I know this is a lie! ANY bank can remove ANY fee at ANY time. I am also being charged interest on this late fee, which I am sure is the whole point of putting these late fees on these accounts. They realized that I was one of the responsible consumers and they wouldn't be getting any money out of me, so they added a late fee to make sure they got some in their own pockets. I called Best Buy's customer service and they stated that, even though this is their card, they have no control over it. What's the point of having a card with your name on it if you have no control over it? I am paying off the full amount on the card and I will NEVER SHOP WITH BEST BUY AGAIN!! Whatever you do - BEWARE OF HSBC!!!

    jensstephens 7/22/10 1:02PM

  • This bank likes to make things incredibly difficult for low earners. Its not a world bank you cannot open a account in china unless you earn a ridiculous ammount of money and it costs more money than its worth to send money abroad, then promise letters that you need by a certain time within 3 days they dont turn up after a week, they make it difficult so pay them money too just so they can charge you for it being late.

    Anonymous 7/22/10 7:05AM

  • I have just been into your Redhill, Surrey branch in order to obtain a small amount of change. The assistant asked me if I had an account with HSBC which I replied that I did not. She then advised me that she could not undertake my request. After expressing my utmost annoyance I then asked her as to how I could get the specific change I was needing she said, somewhat curtly 'go to another bank' which I did. I literally went next door to Barclays where I was greeted with a smile and my request was given with a very cheery 'certainly sir'.
    What a contrast between the two assistants. If this is the way your assistants treat customers there is something radically wrong with your staff training.

    Yours very disgruntled

    Trevor Jarvis

    Trevor Jarvis 7/22/10 6:09AM

  • HSBC - Worst customer service on the planet. Today they gave me static over my POA status on a relative's account there. I called their 800 number to ask a very basic question regarding the account and was told that the branch could not find the POA papers, which have been in effect for a good 6 or 7 years. Was also told that I needed to go to the branch in person to rectify this issue. So I go to the bank and the idiot customer rep tells me that I have to go through the whole POA process all over again, which at this point would be impossible given the medical condition of my relative. That was the last straw for me and I became very angry. Finally another rep came along and explained that the papers are there but it takes time to find them. Ok, so why was I told that I have to renew the POA process all over again? Lazy idiots. I got one brush off answer after another from those people and loads of aggravation, all over wanting to ask a simple question about account fees over the phone. Terrible bank. Avoid HSBC like the plague.

    StressedOut 7/21/10 11:44AM

  • I called for a simple transaction- to request my new credit card which I had not yet received in the mail, although I had received my first statement. The customer service rep went into a long script trying to sell me overdraft protection. I hinted that I was not interested, and the rep acknowledged that it was not relevant to my concern, but went on talking anyway. I was forced to be very abrupt in stating that I wished to end the call. This practice is irritating to customers and humiliating for customer service reps. I'm sure more customers take their money elsewhere when treated this way than purchase this service.

    rinthine 7/12/10 2:15PM

  • AFTER ALMOST A YEAR, MY HOME WAS FINALLY REFINANCED IN FEB 2010. ACCORDING TO THEIR STATEMENT I DID NOT HAVE TO MAKE A PAYMENT UNTILL MAY 1, 2010 WHICH I HAVE BEEN MAKING.
    SOMEONE FROM THEIR COMPANY CALLED ME THE OTHER NIGHT TO TELL ME I OWED THEM MORE $$$$.
    SEEMS IN FEB, THEY POSTED SOMEONE ELSE'S PAYMENT TO MY ACCOUNT ALONG WITH MY PAYMENT, THUS NOT HAVING TO PAY TILL MAY.
    AFTER 6 MONTHS THEY RETURNED THE MONEY BACK TO THE RIGHT PERSON AND NOW THEY WANT ME TO PAY THAT MONEY BACK! I AM REFUSING TO PAY THEM ANYTHING MORE THAN MY MONTHLY PAYMENT. IT'S THEIR SCREW UP NOT MINE AND 6 MONTHS AFTER THE FACT!!
    DURING MY REFINANCE THEY SENT SOMEONE OUT HERE WHO TOLD THEM MY HOME WAS VACANT, I HAD TO SEND THEM MY POWER BILLS TO SHOW I DO LIVE HERE! IN THE PROCESS, MY HOME OWNERS WAS CANCELLED WHICH I HAD TO GET RE-INSTATED!
    THIS IS NOT MY FIRST RUN IN WITH THEM, THEY ARE THE WORST COMPANY I HAVE EVER DEALT WITH!!

    qbilly 7/9/10 9:59AM

  • I have had my HSBC Best Buy card since 2004 and have only used it for zero-interest promotional purchases. Each time I made a purchase, I set up an auto-pay from my personal checking account (to avoid having to rely on HSBC's timing of payment posting), and calculated the monthly payments based on the end date of the promotion. My purchases were always paid off during the promotional period, and I never incurred an interest charge.

    Fast forward to 2008. I purchased a tv on a 0-interest promotion and set up the auto payments as I had always done (successfully) in the past.

    Then in 2009, I made a relatively small additional purchase on a 0-interest promotion and increased the amount of my auto pay to account for payoff of the new purchase.

    Now, in 2010, I received a whopping deferred interest charge for the 2008 tv. HSBC used my auto payments to pay off the small 2009 purchase in full before paying off the 2008 tv, claiming that the 2009 purchase promotional period was only 90 days. I am positive it was 18 months. I have never made a 90-day no interest purchase, always 18 or 24 months.

    Unfortunately, I don't have the 2009 website screen shots to prove the promotional terms, nor do they appear on my purchase receipt. How clever.

    What's more, HSBC says that they sent me alert emails prior to placing the deferred interest charge on my account; however, the last email I received from them was more than 18 months ago, in December 2008.

    As soon as I saw the interest charge on my account, I paid the account in full and will never use it again. I didn't charge items because I couldn't afford to buy them outright, I charged them because of the 0 interest.

    jj 7/7/10 9:32AM

  • Aug 2004 I opened an account with HSBC - Best Buy Co. INC credit card. I financed a television in which was two years no Interest. I had set up an automatic debit with HSBC and three months before my TV was to be paid off with my initial payment set up to be debited from my bank account, HSBC without my authorization or notifying me lowered my automatic debit, which made the television not paid off with in the two years. This was the first of my issues with them. To this day over three years later, I still do not have a reason for why they changed lowered my debit amount without my authorization or notifying me. I finally gave up fighting with them and just continued to pay the bill each month because I was so frustrated with dealing with them and did not want to ruin my credit. A few months later I lost my job. I had insurance with HSBC covering me if I lost my job, at which they did not let me use the feature, and then later canceled the insurance on the account, because of late payment. This was a feature I paid for to cover me that they would not let me use. I have tried to get detailed billing of my account since it was open and HSBC refuses to send it to me. They have now sent the account to collections. I wanted a record of all payments made, I wanted to know how they lowered my debited payment each month without my authorization or without notifying me. To this day I have received nothing. This company has not tried to work with me at all.

    HSBC_sucks 7/3/10 10:04PM

  • These people are the WORST!!! Ever they are posting my payments to my account.
    they keep telling me i have to have my bank send a letter on letter head, which i will. but i also want them to send me a copy of just Payments i have made to them. they said they couldn't but they can send me copies of my statement for $7.00 each... HUMMMM i think i will just print them myself FOR FREE!! thanks for the usual customer NO SERVICE!! Would you like for me to tell you where to put your CURRY??????

    Anonymous 6/30/10 11:45AM

  • I opened an HSBC account in Canada in order to transfer funds from the UK. I paid $200 to open an account in the UK as well as I was told it would be easy to wire the funds to myself that way. I was also told that the $200 would be refunded once I reached a certain amount in the bank. After a series of misinformation, many, many calls to the UK where I find that I can only transfer 10K at a time at a cost of 30 pounds each time, plus I have to call the UK each time (taking 30 mins usually). I then ask for a bank draft to bring the whole sum of my inheritance over and they do the bank draft but forgot to mention that they need to take 20 pounds out first. It is then put on hold because of this. You would think that as HSBC is an international bank, my draft would be cleared easily coming from an HSBC account in the UK. No, I am told 30 business days. They can't confirm the date the draft was sent out. Meanwhile I am about to lose the property I should have been able to buy with my funds that should have come weeks ago. In order to cancel the draft and wire the money over to meet my real estate deadline, I would have to return the draft to them by mail!!!! I don't have it. I have repeatedly e-mailed my branch representative and my e-mails are ignored. Customer service are not able to help with anything. Both Canada and UK customer service are based all over the world and from my last contact with them are largely incompetent. I spent 30 minutes trying to set up a wire transfer as it was "over my limit" (apparently shouldn't have had a limit according to a branch representative) only to get off the phone and have exactly the same thing happen. At that point, I drove into town withdrew my money from HSBC in Canada and closed the accont. Sadly, I still have to wait it out until my draft arrives and clears before I can close the UK account. It has been a nightmare...a series of misinformation and mistakes on the part of both HSBC Canada and the UK. The bank representative I spoke with when I opened the accounts at the beginning was well aware of what I needed the account for and he sold me something that did not fit my needs. I have lost money and time, suffered stress and now ultimately will lose my dream property because of banking with HSBC.

    sjcarter 6/29/10 5:33PM

  • YOU ARE RANKED 252 OUT OF 264. YOU ARE AS BAD AS PEOPLE THINK, NO, IN FACT I THINK YOU'RE WORSE, AND I'VE BEEN WITH YOU FOR 28 YEARS, SO ISHOULD KNOW

    Unethical 6/20/10 6:16AM

  • I called to settle an issue with the late fees and hidden charges and wanted to settle my account. I was told to call a number and that someone would help me. They purposely gave me bogus phone numbers 4 times.

    BonnieB 6/15/10 1:34PM

  • 3 Times I've Called and waited over 90 minutes and am yet to ever talk to anyone! Also they keep charging me interest on a CLOSED OUT account!

    Anonymous 6/15/10 6:08AM

  • HSBC has shown me the most incompetent employees I have ever encountered in all the banks I have been a customer with. They do not know the rules of HSBC and make empty promises. The following is what happened

    Recently, I deposited a check on May 17th 2010 at a HSBC teller. The teller was aware that it was a Canadian check and she told me that the check will be cleared in 3 business days. However, after 3 days it was not ready and when I contacted HSBC after a few week (I was travelling before hand and didn't have time) they told me that it was being held for 15 days (this was June 2nd). I called my branch. The branch manager and other representatives told me that the check will be available on the 8th of June. On the 8th I call HSBC again because the check was again not available, they told me that the note to hold the check is placed on May 20th so now I have to wait until June 12th.

    Throughout this whole process I never received any formal notice of the hold except by word of mouth from the representatives and the branch manager. I never got emails or mails. HSBC has being lying to me again and again about when the money will be available. Even now, I don't know if they money will actually be available or if someone is just going to tell me that they need to hold it for longer because of another note.

    I don't even know who I can complain to especially I have already contacted the head quarters and all they did was telling me again that the check will be available on the 12th of June.

    All in all, throughout the whole process, HSBC has shown me that they have no competent employees working at the customer services, branch and even branch managers. Even worse, HSBC head office does not seem to even take responsibility for these incompetencies that has resulted in set-backs of my payments and my frustration.

    Anonymous 6/9/10 6:40PM

  • I am through with there ''Service" they seem to think they are the only bank in America. I was their customer because i wanted to be not because i had to be. Their loan shark Interst rates,hidden charges and fint print gimmicks are a joke!!

    Shel 6/2/10 12:45PM

  • Agreed! I was with HSBC in Canada until recently. You really can't complain about the Customer Service because there isn't any service at all!! After many telephone calls routed thru their "service centre", where you are treated to Chinese representatives who barely speak or understand English, I finally gave up and called a completely unrelated branch and finally got a direct number to my branch.

    I was trying to transfer an investment account of over $100,000 which was being very poorly managed to a different bank. HSBC indicates in their information that they will do so within 5 business days. An authorization was sent to them thru the receiving bank. Three weeks later the transfer had still not been completed by HSBC. After finally reaching my branch, the manager claimed no transfer request was received. Complete bullsh*t! This is a bank that views customers as a nuisance and one that needs to be put out of business!! Their customer service is non-existent!!

    boycothsbc 5/26/10 10:00AM

  • HSBC provides the worst customer service. I called HSBC today to ask if any payment has been made from my account for 75 pounds, and they said to answer my question, i need to pass my security questions.

    I have answered all questions correct, except recent transaction. I informed him that the reason for my call is to know about recent transaction from my account and that i dont remember if i have used my card.

    The customer service advisor was so rude to me and said he would not discuss with me further.

    AV 5/26/10 9:27AM

  • My renewal card did not arrive so when I emailed them about it, they sent me an email response stating my account had bben closed and that I would have to call them to resolve the issue. When I called I got an Indian man I could hardly understand and was told a new card had already been mailed to me but did I want to buy "my credit keeper" (no) or several different insurance policies (NO!). I asked for a credit increase and was told "though you show a responsible payment history the bank has made a business decision not to increase credit lines at the customer's request"...they just scammed me into calling THEM to cross sell me from India...they SUCK!

    Kares 5/21/10 12:40PM

  • Where should I begin???????? Oh wait it doesn't matter it won't get settled anyway will it????? It's been a year now. So explain that one to me??? If that's possiable oh yeah wait....you can't.....
    There is no one capable of doing their job
    there!!!!!! From reading the terms and a-
    greement DOESN'T look like I'll be getting a response from your company!!!!

    Anonymous 5/18/10 8:39AM

  • agreed...........HSBC is the WORST!!!
    they dont even have people that speak english.......poorest serice....shady practices.....THE WORST!!!!

    fortunamann 5/17/10 5:20PM

  • Exactly the same issue as the customer below except my "Bank is In Bahrain!!! and it been 2 months now and 7000 Calls. Useless


    The world’s LOCAL bank?!!
    My internet banking access was ‘temporarily suspended, for my protection’ last Tuesday 27th April 2010 – for reasons I have still been unable to elucidate.
    On-line one is asked to submit new access details, etc. (No, this wasn’t a ‘phishing’ site it was the real one!) and then to contact the ‘local bank’ – which was, of course, in Malaysia!
    Now, eight days later, after 37 calls to Malaysia, Glasgow, Aviemore and the Isle of Man (my ‘local bank’ is actually in Jersey), three faxes and two emails there is still no internet access to my account.
    Nobody calls back, nobody even acknowledges emails or faxes (not even an automated reply).
    That said, the Malaysian ’customer support’ staff were unfailingly polite and helpful BUT we have still been unable to contact our ‘local bank’ [Jersey] – we are ALWAYS put into “I’m putting you through” mode (usually back to Malaysia) where the cycle begins again. The organisation steadfastly refuses to let us know (clients for 15 years) a ‘real’ telephone number to call.
    Maybe it’s time for more money to be wasted at the advertising agency who invented this crass and, frankly dishonest, slogan.
    As a former executive of a vast, US, computer company the first thing we were told on arrival in the company, as a trainee, at our branch office (in London) was that if the ‘phone rang and there wasn’t the appropriate person to answer the call then YOU (the trainee, or whatever) must follow up the request until it was completely resolved to the customer’s complete satisfaction.
    Cost cutting and, therefore, profit to the shareholders seem now to be the only objective.
    Oh, for the joys of real customer service……………..

    Anonymous 5/17/10 12:31AM

  • In Canada they employ staff from China who hardly speak English. It took them nearly two months to set up my account. They keep phoning the wrong number because they often don't understand my instructions. The call centre is in Malaysia and haven't got a clue what happens in Canada. They will not give you any numbers for supervisors of poorly performing staff, instead they say they will pass a message for them to call you. I waited in all day and nobody called.

    Andrew 5/16/10 7:50AM

  • The world’s LOCAL bank?!!
    My internet banking access was ‘temporarily suspended, for my protection’ last Tuesday 27th April 2010 – for reasons I have still been unable to elucidate.
    On-line one is asked to submit new access details, etc. (No, this wasn’t a ‘phishing’ site it was the real one!) and then to contact the ‘local bank’ – which was, of course, in Malaysia!
    Now, eight days later, after 37 calls to Malaysia, Glasgow, Aviemore and the Isle of Man (my ‘local bank’ is actually in Jersey), three faxes and two emails there is still no internet access to my account.
    Nobody calls back, nobody even acknowledges emails or faxes (not even an automated reply).
    That said, the Malaysian ’customer support’ staff were unfailingly polite and helpful BUT we have still been unable to contact our ‘local bank’ [Jersey] – we are ALWAYS put into “I’m putting you through” mode (usually back to Malaysia) where the cycle begins again. The organisation steadfastly refuses to let us know (clients for 15 years) a ‘real’ telephone number to call.
    Maybe it’s time for more money to be wasted at the advertising agency who invented this crass and, frankly dishonest, slogan.
    As a former executive of a vast, US, computer company the first thing we were told on arrival in the company, as a trainee, at our branch office (in London) was that if the ‘phone rang and there wasn’t the appropriate person to answer the call then YOU (the trainee, or whatever) must follow up the request until it was completely resolved to the customer’s complete satisfaction.
    Cost cutting and, therefore, profit to the shareholders seem now to be the only objective.
    Oh, for the joys of real customer service……………..

    Anonymous 5/6/10 6:39AM

  • Debited money from one of my bank accounts that is not listed in their system for payment of my Costco account. Can't get through to a person. I am currently on hold now and it has been 31 minutes.
    I am going to cancel my credit account with Costco and avoid future problems with this institution.
    Beware, no customer contact available unless you use the option to report a stolen card.

    Anonymous 5/3/10 9:48AM

  • Nothing but inconvenience from HSBC. They freeze your account quickly and without warning if you don't deposit or withdraw money. They do not notify you in advance. When you go to use your account you find out it's frozen and you cannot access it without faxing a request and jumping through all kinds of hoops. I told them I did not have a fax or access to one but that did not matter - they told me I couldn't even go into a HSBC branch location to have my account "unfrozen" because it had been set up online (and via regular mail).

    I eventually moved my money out of HSBC and kept getting statements showing a ONE CENT balance. Knowing I had to fax, I sent them a fax asking them to close it but even to close an account with one remaining cent was a big ordeal. They grilled me on the phone demanding all kinds of information and why I wanted to close the account. Most annoying and inconvenient. Never again.

    meme 4/23/10 6:49PM

  • Do not expect to get ANY help from HSBC if you are abroad and your card has been cloned. Most likely they will only give you your stolen money back if you are Premium account holder. My bank is based in the UK but ive come to find out that all foreign HSBC banks have NO CONNECTION at all to your source branch. When you call them up you will also be interrogated by an Indian reading lines and answers of a piece of paper. Disgraceful service.

    Anonymous 4/21/10 6:16PM

  • Our house will go into a forclosure sale May 4, 2010, due to HSBC's misrepresentation. First we are told HSBC will work with us in a refinance only to end up with a forclosure notice on our door. Once we were finally able to speak to a person after many transfers they told us that HSBC has some many accounts, that they get them confused. Yes, they mixed our account up with another. We have done everything HSBC has told us to do from the beginning yet they are still forclosing on our home. We are not trying to get out from under what we owe HSBC, we just want our payments lowered. HSBC has no idea what they are doing,and they do not care about their customers.

    Anonymous 4/16/10 5:13AM

  • HSBC is the worst company I ever dealt with. Our Mortgage is through them and it was not from our choice - they purchased our note in 2006 and ever since our life has been hell.

    They need to completely revamp or close down their operation and stop torturing innocent people.

    gordiewing 4/15/10 4:57PM

  • HSBC is the worst. On several occasions I have spoken with their customer service reps in attempts to have their billing errors (and more) corrected, but they just keep treating me as though I'm a criminal... first I have to prove who I am, and then I have to take half of the day day to re-explain the situation, re-copy my payment receipts, re-fax them to different people, etc. Basically they didn't post my credit card payments until several days later, making it look like the payments were late... then charged late fees plus interest on subsequent statements. I was told they opened investigations on each of the cases, but then about a month later they had no information on the investigations.... "Go to the branch and speak with the manager" is the latest bunch of bull. Manager is either never around, or is with a customer or on the phone... what a waste of time and effort.

    boycotthsbc 4/14/10 8:37PM

  • Someone wrote that all you had to do was choose nothing and a live person would talk to you at some point. Not true. The menu will run through about 15 times and then it will hang up on you.

    I've been trying to register my savings account with HSBC for over a month, I've spent 2 hours on the phone just waiting to talk to someone, and they haven't been able to help me, or they put me on hold so long I have to hang up. I joined for their good interest rates, but I wish I had realized what terrible customer service they had before I got tangled up with them.

    furquis 4/11/10 8:48PM

  • I CALLED HSBC IN JANURARY 2010 BECAUSE I HADN'T RECEIVED ANY STATEMENTS FROM THEM. I THOUGHT I HAD PAID OFF THE ACCOUNT. THE LADY INDICATED THAT STATEMENTS WERE RETURNED TO THEM. I ASKED HER IF I NEVER RECEIVED THE STATEMENTS WHY DO I HAVE TO PAY LATE FEES? THEY SENT ME A DOCUMENT STATING THAT THE PAY OFF AMOUNT WAS $254.17. ON JANUARY 13, 2010 I RECIEVED A LETTER INDICATING THAT A CHANGE OF ADDRESS WAS PROCESSED FOR MY ACCOUNT. IN JANUARY 2010, I SPOKE WITH ROBERT AND SHEILA (THEY REFUSED TO GIVE THEIR LAST NAME)ABOUT MY ACCOUNT, AT THIS TIME THEY STATED THAT MY ACCOUNT WAS 401.81 AND IF I PAY THE $381.00 IT WOULD PAY OFF MY ACCOUNT. I BROUGHT THE MONEY ORDER ON FEB. 3, 2010. I NEVER RECEIVED A STATEMENT ACKNOWLEDGING THE RECEIPT OF THE $381.00. I HADN'T HEARD FROM THEM UNTIL I RECEIVED A LETTER DATED MARCH 29, 2010, I ASSUMED MY ACCOUNT HAD A ZERO BALANCE, UNTIL I READ THE LETTER ASKING FOR $!71. 89. I CALLED TWICE TONIGHT SEEKING CLARIFICATION OF MY ACCOUNT. THEY ALL REFUSED TO GIVE ME THEIR LAST NAMES, I SPOKE WITH NORMA,STEVE AND LINDA STATING THAT MY MONEY ORDERED ARRIVED AFTER THE DUE DATE AND I HAVE BEEN CHARGED WITH LATE FEES AND FINANICAL CHARGERS BECAUSE I DIDN'T PAY THE BILL OFF BEFORE THE PROMOTION EXPIRED. AND THAT I NEED TO CHECK WITH MY POST OFFICE TO FIND OUT WHY I HAVEN'T BEEN RECEIVING THEIR BILLS EACH MONTH. I WANT TO KNOW IS IT POSSIBLE FOR A COMPANY TO SKIPS SENTING BILLS TO COLLECT LATE FEES? IF I WAS TOLD THAT THE PAY OFF AMOUNT WAS $381.00 WHY DO I STILL ORE THEM? NOW IF I PAY $111.89 BY MONDAY, APRIL 12, 2010 THEN I WILL HAVE A ZERO BALANCE. IF I PAY THE $111.89 MONDAY WILL I BE ABLE TO FILE A COMPLIANT WITH THE BBB TO COLLECT ALL MY MONIES?

    SAW 4/10/10 10:31PM

  • cant get through to a person customer service sucks

    Anonymous 4/6/10 6:46AM

  • Whilst the business manager assigned to me is great (thanks julia!), the performance of the online support and the other branch staff are frequently substandard to the point where you want to change banks, like now.
    Example 1:
    HSBC: "Password locked?, you need to send us a FAX to reset your internet business acc password"
    (no, really, don't laugh, you just have to!)
    Example 2:
    Me: "Please would you count this cash and add it to my business account".
    HSBC: "Ah, sorry we don't count cash, you have to count it yourself and write it on the paying in form"
    Me: "But you're a bank, you count money ......."

    AvgUser? 3/30/10 11:39PM

  • HSBC customer service is non-existent at best, and makes a complete joke of, and insult to, real customer service. Called in their CS hotline 6wks ago to update my addr record with them for my credit cards. Twice, the CSOs promised someone will call back, both times nothing happened. I waited for more than 2 wks for their supposed call. Called 3rd time, CSO told me same thing. Got fed up, told him what happened and finally was told I had to make a personal trip down to a branch simply for change of addr. Dont understand why HSBC cant handle such a simple common request when other banks easily and efficiently handled it. Worst, their banking hrs are meant to shut out clients as they close at 3pm, a time when pple here in Asia are still hard at work! Was promised a call back by their svc mgr called Azwa based in Malaysia, and nothing has happened. This has become a common thing with HSBC - u can expect NOTHING from it! It's the worst, lousiest, most pathetic bank in the world.

    cfp 3/15/10 9:18PM

  • I pay my Mortgage monthly payment using their bill pay system. They are missing 5 payment I just have a letter telling me to pay another $ 2500. 00 or they will put my House for foreclosure. Call customer service send proof of payments and still not fix, 1 year 4 month later still working on this case and they said they are still investigating. HSBC what a joke.

    Anonymous 3/15/10 2:37PM

  • HSBC MORTGAGE DEPARTMEND IS THE WORST DEPARTMENT OF ALL REALLY BAD CUSTOMER SERVICE NO HELP AT ALL LUCK OF PROFECIONALISM AND NOT COMUNICATION. BAD BAD BAD. i WISH i CAN GO TO A DIFFERENT BANK BUT i WORK HERE WHAT A DISAPOINTMENT...

    Anonymous 3/15/10 2:26PM

  • The most horrible customer service

    Customer representatives (mostly people from India) are incompetent.
    I requested a change of address, they transferred me from person to person, took them almost an hour to do a small correction. After all this aggravation, two weeks later, I got a letter from the bank (open envelope) to the old address!!!
    I also requested a new bank card, tree weeks later – I’m still waiting for it. I called the customer service a few times, the same response: you should get it soon!!!!

    Anonymous 3/15/10 7:26AM

  • I received statements in the mail for years every month. I rarely log in to the website to check up on account. I noticed I hadn't received a statement in a while so I logged on to the online account. Before I was allowed to view account details, a page appeared asking if I wanted to "save a tree" or continue receiving my statement in the mail. I selected to still receive my statement in the mail and was taken to my account overview. Of course my payment date was two days before I logged on with a 35.00 late fee assessed. Tried to call customer service to get this resolved. What a bad idea that was, no help offered and asked repeatedly if I wanted credit protection. Forget trying to stop them before they go through the whole spiel of the wonderful opportunity of credit protection. If they offered protection from horrible customer service I would have bought it! This company sucks.

    anonymous 3/14/10 2:53AM

  • The worse customer service I've dealt with and I work in customer service. They are bullys and need to stop using the same script for everything

    Anonymous 3/13/10 9:21AM

  • I have called reps two times in regards to a charge that shouldn't show up. BOTH times the reps said they would take care of it (one even said she "promised" to do it, yea right) and it is still there. All I want to do is pay off the card and cancel it but I am not to excited about giving them money I do not own anyone. Meanwhile interest is sure to accumulate because they aren't doing what they said they would. This is bogus.

    Anonymous 3/8/10 2:49PM

  • I am HSBC credit card customer since last 14 years. Initially their service was impeccable but now its useless and thoroughly unprofessional. I cleared my credit card outstanding but they have still managed to come up with a hufe outstanding figure and no one is willing totalk to me on this ....

    Anonymous 3/2/10 2:00AM

  • I called and asked to have my statement sent to me through mail and I get this extremely rude girl on the phone who asks for my account number before I can say that I want her to use my social to pull up my account. I say I dont have it and she starts talking over me so I just keep talking saying "Use My Social" and finally the rude woman hears me. She looks it up and I start telling her that I just want HSBC to send me a copy of my statement because I need it for court they sent the latest statment to the wrong adress. So Rude girl starts talking over me in an extremely p.o.'d voice saying "We Aren't Going To Send You a Statement. We Just Sent one in December." So all politely I say, "Mam, what your saying is that there is no way you can send me a copy of the original statement?" And I thought it was impossible for her to be even more rude than she was already being but The Chit proved me wrong. I told her it was fine I'd call back later with my account number and attorney. She says "Excuuuse me? WHat did you say!?" She thought I'd finally given up and started using profanity. lol So I repeated my earlier statement about calling back and she still kept being rude and hung up on me saying. "Yeah, You do that." What the Heck? I want her to get repremanded or something I mean sheesh what was her problem? I wasnt angry. Didnt even raise my voice or use profanity....HATE DAMN CALL CENTER CUSTOMER SERVICE PEOPLE!!! UGHHHH!

    hsbcCSsux! 2/23/10 1:22PM

  • I have a mortgage on a second home with HSBC which sustained water damage from a ruptured pipe 6 weeks ago. The insurance co. issued a check in my name and HSBC. The HSBC insurance dept deposited the check but now it seems I will have to jump through hoops to get them to release the funds to pay my contractor. The processor has yet to work on my file. It was my understanding 1/3 of the funds would be disbursed immediately, yet they are giving me a target date of the 1st week in March. The remaining funds will be disbursed after satisfactory inspections of the property.Is this going to be like pulling teeth? At this rate it will be months before the work is completed, yet the contractor is supposed to do all this on his own dime?

    Anonymous 2/16/10 5:54PM

  • Well, 15.00 to realize HSBC is the worst bank in the world isnt too bad. I'll never do biz with them and from the look of this site and others, I dont know if they have any American customers left.

    So, I go to pay my CC online on Friday. However, I learn that Monday is a freaking holiday, not for me, but for the BANKS ! My payment wont post until Tuesday it says so I call them and speak with 2 nice Indians who both tell me that's their policy and I will be billed the late fee. BECAUSE THEY ARE CLOSED. Funny.

    I had to make a "phone payment" which apparently, is an expensive proposition (15.00) in this day and age.

    I got this stupid account through Best Buy - with ZERO percent interest for 18 months. Banks will always get theirs. It's just a legal scam.

    Any biz using HSBC will not have me as a customer. Good riddance.

    Billydog 2/12/10 12:23PM

  • To speak to someone who spoke decent english I had to ask for a supervisor three times. The first rep hung up on me. I'm just trying to change my due date by a week and he says that until all the new regulations go into effect in July they can't change anyone's due date. Seriously?

    sas1981 1/29/10 9:39AM

  • HSBC took out a monthley payment twice and I can't contact them whatsoever. Every time I try to call and enter my account number it tells me it's invalid, which is interesting because it lets us log in and pay our bill with the number I entered. There is not an option to even speak with a representative. We have had problems with them since the beginning of our loan period and I refuse to use them in the future.

    anonymous 1/28/10 3:49PM

  • trying to change my payment dates for my auto loans can't talk to a human from any country how they got to the size they are.is beyond me seems they don't care once they got you as customer this is wrong they should have there banking license pulled in the u.s. they must think that a computer phone is the answer to everything.

    bert kerr 1/28/10 2:35PM

  • I've spent nearly an hour trying to get a hold of bank rep to change my address in Saratoga Springs NY, to no avail. Obviously you can't speak a real person any more!!!!!!!!!!!!!!!!!!!!!!!!!!!! This really sucks. Especially when this is just a normal transaction. I'm shopping for a another bank. This type of crap ticks me off. HSBC Corpate Call Thanks for nothing.

    Anonymous 1/26/10 11:57AM

  • I find the service really impersonal. I wanted to change my mortgage to interest only for a few months while I sell my flat. The mortgages service people told me I had to go into branch. However you can't phone the branch for an appointment direct you have to call the central helpline who email the branch and get them to call you. After three months and sixteen separate phone calls I gave up trying and went into my local branch to make an appointment in person. On the day of my appointment the financial adviser said "oh, I can't deal with this. you have to do it by phone." and wouldn't even discuss it. He gave me a new number to call which I called, only to be told that I had dialled the wrong number and that this was a service for people in financial difficulty and as I wasn't in financial difficulty I should call mortgage services. I tried mortgage services again and then absolutely swore blind that only the financial advisor in branch could authorise my request. I gave up - which I imagine is what they really wanted. I then asked for a number for their customer complaints service and was told that the service did not take calls and I had to wrire a letter or email! absolutely useless.

    Anonymous 1/22/10 3:18PM

  • Worst Customer Service ever! I cancelled my CC with this POS Bank!

    Anonymous 1/13/10 12:12PM

  • I questioned the CSR rep about the fact that their online payment center enters a payment date +1 of the current date. In my case, this put me into the weekend, which is not part of their 1-2 business time period to post the payment ( Also on webpage it stated 1-2 days, on another 2-3 days).

    I asked to speak to an officer, explaining that they were not a 1st class bank. I now realize that they are headquartered in the UK, where their is a 'class' system and you have to be a member of the aristocracy to get
    positive action.

    This is a bank that is allowed to operate in the USA and they should have USA customer service. I could not find where they are charted in the US to complain to the state or FDIC banking dept.

    sendthembacktothequeen 1/8/10 8:44AM

  • I TRIED TO REPORT SUSPECT IDENTITY THEFT AND I FINALLY GOT A HOLD OF A LIVE VOICE AFTER WAITING FOREVER.AFTER SPEAKING TO ONE PARTY IN THE PHILLIPINES FOR 45 MINUTES,SHE THEN GAVE ANOTHER CONTACT NUMBER. I TRIED THAT NUMBER ALSO WITH NO HELP AT ALL. THEY KEPT ASKING FOR THE ACCOUNT NUMBER. I DON'T HAVE IT BECAUSE I EXPLAINED I'M NOT THE THIEF WHO OPENED THE ACCOUNT. THEN THEY WANTED MY SOCIAL SECURITY NUMBER. NO THANK YOU. THIS HAS TO BE THE WORST CREDIT CARD CO. IN THE WORLD.HSBC CAN PAY FOR THIS FRUDULENT ACCOUNT WITHOUT ANY OF MY HELP.

    Anonymous 1/6/10 8:23PM

  • HSBC has the worst customer experience and jeopardizes my identifying personal data. How is it that America is in the middle of an economic crisis and I can't get someone that speaks English on the phone?!?!

    I will be very surprised if this company survives the financial shake out... my shares will be pulled today.

    upset customer 12/29/09 8:27AM

  • HSBC customer service is the worst customer service i have ever experience before. The HSBC call center agents needs to get enough training to sit in this position. Very disappointed with the service.

    Anonymous 12/22/09 8:39AM

  • Appalling customer service via telephone at Indian call centre. Even the supervisors lack basic English communication skills and universally come across as aggressive and rude. I have switched accounts to Halifax.

    matsuperstar 12/12/09 6:08AM

  • I am not a company, I'm a 79 year old handicapped senior lady subjected to Identify Theft. I have received information from three credit reports and each have shown HSBC/Best Buy and I have not been able to get any information from any of your people. I have been transfered over and over with no help. I just want to know who approved a credit card and for what items. Can you help me. Thank you.

    Anonymous 11/19/09 4:52PM

  • THE WORST BANK EVER!!!!
    The worlds local bank my arse!!! I am a british soldier in germany which they apparently understand but everytime i have a problem they say POP INTO YOUR LOCAL BRANCH.... thats over 500 mile away!!
    action taken: account closed taking them to court over illegal charges etc!!

    daverudds 11/10/09 2:21PM

  • Useless, can never get through to the person who is supposed to be dealing with my mortgage. Everytime I get a decision, I go back and they have changed their minds.

    Anonymous 11/2/09 6:34AM

  • I'm an HSBC customer, and have sent numerous emails asking for information. All of them promise "excellent customer service" as their highest priority, but none have ever answered a question correctly. I even tried sending a written letter, which was never answered.

    I added money to my account because they promised a free Roku player if you keep the account for a specified term, which I thought was 90 days, but an email specified 60 days. But after hearing absolutely nothing about it for a couple of months, I finally got the notification to go online and sign up to get this player; it said you needed to keep the account open for 6 months (which is what the current promotion says, but mine was an older one). I asked about this, and received no answer, only that they would forward my "comments" to someone for future reference, no promise of a response. That was a couple of weeks ago.

    I'm still waiting for my notification of shipment of the player, after 2 more weeks.

    Their promotion is backfiring with me, as I plan to totally close both my accounts asap.

    winfidel 10/26/09 11:39AM

  • HSBC sent a letter cancelling my card today for non-use. That affects one's FICO score. They didn't even have the decency to notify me in advance.

    This entire credit card industry is going to suffer all of the consequences of their actions! they have harmed, and hurt so many customers. I am finished with credit cards. I'll NOT do my part to keep them in business. May they all burn in hell!
    Bob

    Finished 10/24/09 7:28PM

  • HSBC is a world class company ????!!!!
    What a f@##**G joke !!!
    I had a moron rep coughed in my ear this am , then I was transferred to 3 different reps b/4 I hung up the phone on them .
    Try to get an auto dealer pay-off on the weekend is a nightmare , when they are closed , they expect the whole business world to close / stop doing business .

    No NAME PLEASE !! 10/19/09 1:27PM

  • HSBC's service is horrible. They dont take care of customers and there are no people left in the bank.

    Everything is ruled by computers and if you want to speak to someone who can actually help you, they tell you to go to your branch.

    Of course, the problem only becomes ever more distressing as the branches dont have people in them either!

    Conclusion: HSBC is an example of compuers taking over the world. Not to mention the fact that the operate indian call centres and nobody can understand a word you're saying.

    Ive cancelled my account of 12 years and so has my boyfriend his mother and facther, my parents and we have been telling everyone we know of our many bad experiences with them so they can make up their minds if its the kind of bank they want to put their business with.

    Anonymous 10/19/09 8:31AM

  • "World Class Service"?!? That's a %!@! joke!

    Prepare to wait on hold and be transferred a few times.

    Anonymous 10/19/09 8:10AM

  • I have my 4 wheeler financed through hsbc, big mistake I will never do business with them again! I called because the web site was having some problems and I have been trying to pay my bill online for a week now, so I called customer service, they said they would charge me an additional $15 because I would be paying over the phone, I explained what was going on and they kept transfering me, I'm not cheap, if it was my fault I would totally pay the $15, but it wasn't my fault! So I spoke to probably 10 people, the short story is, "customer service" told mey iPhone sucks, so I tried a regular desktop computer, same problems, customer service says, you don't know what your doing, it's your fault, I'm not stupid and I was doing it right, so they continued to pass me around for one person to another, after 1 & 1:/2 hours on the phone, I said please just shoot me to a manager, I was on hold for 15 minutes and then they hung up on me! I called back, a lady answered, the only person who was actually decent, that wasn't repeatidly blaming me, gave me a web site, said this ones easier, I already had it, I asked for corporates # she said they don't have one! I asked how does every major company have one and you don't she said "our company is different" I finally just gave up, she then told me if I don't get the payment in by 4 they would charge a late fee! I wish I had never gotten the stupid thing and I refuse to do business with them after this.

    Anonymous 10/14/09 8:08AM

  • Extremely bad attitude towards the client as if nobody in the company cared because of the quasi-monopoly they have in Hong Kong.

    Adrien 10/2/09 2:32AM

  • HSBC only pretends to provide good service. It is all a facade. As long as things go right you dont see the other side of HSBC. The moment you have a problem they harass you to the point of frustration. They are experts at delaying, stonewalling, using official terms to dissuade you from being too eager.

    Sharon 10/1/09 9:56AM

  • Terrible! I've dealt with at least 6 agents and I'm pretty sure not a single one actually speaks or reads English. No matter what I said I got the same canned response-even if it made absolutely no sense as a response to my question.

    Anonymous 9/30/09 4:17AM

  • Under the guise of better security, HSBC makes it extremely difficult to reset the password and therefore operate the account. The account is locked up for 5-days while the account holder sends a fax asking to reset the password.

    There are many better ways to reset a password these days by many of the banking giants, but strange that hsbc choses the most archaic way for the reset password issue. I am sure the bank enjoys the customer's locked-up cash in the account.

    A frustrated customer of HSBC in Hong Kong (now looking to close the hsbc account)

    Anonymous 9/30/09 2:25AM

  • I have an online account; getting access to your account is horrible; do not forget a password - cos you need two; after you reset; then they ask you to call in. You cannot get thru for awhile; then account verification takes a long time with multiple and unending questions from the rep. Go somewhere else.

    Anonymous 9/28/09 4:28PM

  • I got to say this HSBC is the worst credit company in the world. I signed up for a credit card at a local retail chain the beginning of this year. I didnt get the card till 2 months after I had signed up for the card and my first statement didnt come till 3 months after signing up. They sent the priour couple months statements to a address that I didnt even put on my application and still penalized for the fees incurred when I tried to rectify the situation with them I got the run around and a refulsal of admitting fault. When I finally got the card and statements I was so fustrated I never even activated card. I have made consistant payments each month since I got my first statement and every month they cashed my checks well to my surprise a few weeks ago I get a letter saying my account was sent to collections. How can a person that makes payments everymonth on thier account on time be sent to collections. When I contacted the collection company on the matter they informed me that some payments made were not even reported to them. Talk about shady. Ive had to obtain a legal advocate to help me navigate this problem just because of all the stress and inconvience this has put under.

    Anonymous 8/28/09 9:15PM

  • The security level is appreciated at HSBC, but it becomes so utterly restrictive to actually conduct buiness at times, such as remember an old PIN number or login to online banking that it makes me want to switch and bank with someone else.

    The other major problem with HSBC is that you cannot transfer funds between your personal and business accounts!!! Ahhh! So you telling me ever time I need to transfer funds I need to physically go into the bank? I thought that was the whole point of online banking! Ridiculous. The whole point of having personal and business accounts within one bank is so you can fluidly transfer money? Yikes. Stay clear of HSBC it's why the bank is falling on it's face and others banks like CHASE customers are flocking to.

    Anonymous 8/13/09 11:44AM

  • These folks are the absolute worst. I have a Menards credit card which they administer. It has always been paid on time, never over limit and always at least double the minimum payment. 4 months ago I made my regular monthly payment and then wanted to check on something. Imagine my surprise when I signed in and discovered that my max had been lowered to within 35.00 of the outstanding balance with no notification of this action. Fortunately I was able to make a payment that posted to my account the day before they calculated interest, etc for the account and avoided an overdraft charge. The bottom line is that Menards has lost a customer. I will have the balance paid shortly and will now drive the extra distance to shop at home depot.

    old_bill 8/5/09 2:34PM

  • I have never been able to speak to a single person in their credit card division who has even an average command of English. I was the type of customer they made money off of without incurring any risk. I was never late, usually carried a small-medium sized balance and was a customer for many years. I got so turned off by their customer service people I cancelled my account just so I'd never have to worry about dealing with such lousy people again.

    Anonymous 8/5/09 1:13PM

  • I am working overseas. About a month ago I my credit card was declined. They issued a "fraud alert". I called them on the phone and supposedly it was squared away. A couple weeks later...the same thing happened. They asked for the specific dates I would be overseas. I gave them the dates and it was all supposed to be cleared up. Now, the same thing...third time. I called tonight. The person I spoke to in India will not clear up my account unless I provide them with my full social security number.

    When I refused to do so they said that could not unlock my account. I asked them why was the "security" department asking for my full social security number...didn't they know that was a huge security risk for identity theft? Finally I gave up and told them to keep my account on hold.

    Whatever happened to talking to an American in America to service my account? Our American data is in other countries...and banks don't care as long as they save money. We are training our competition and they are taking our jobs. Soon there will be no reason for them to play middleman. They will just cut America out of the loop because we trained them to do our jobs.

    ThinkSecurity 7/4/09 7:29AM

  • I paid off a motorcycle almost a year ago and can NOT get this awful company to sign the title. It was a run around and then was signed incorrectly, after getting a duplicate title, again I can NOT get Hsbc to sign the title!!

    M 6/16/09 2:31PM

  • What does it take to speak with a rep. with hsbc. Your going down hill fast. I already closed credit cards with you and now am changing bank accts. Your drive thru bank is always down, forcing me to take money from another bank, where you wont refund my charges. On line info never accurate! And can never talk to anyone to discuss my account. Its past being frustated. Try getting a loan, forget it, 3 months into the run around, i went with another lender and was approved and closed, while hsbc was still verifying, and re-verifying. Im done.

    Anonymous 3/9/09 1:50PM

  • HSBC just lost my business. I was making double minimal payments on my Bergner's Account. I only had a $100.00/ rest was deferred until 7/2009. Bergners paid off my deferred billing prior to current amounts due. So current amounts that I should have from statement to statement to pay were charged 22.9% interest.
    Representative couldn't explain the reason only to watch my statements. I went paper less and set up monthly payments on line thru my checking account which were on time. thanks for the poor service. You won't stay in business long when you are screwing your customers. I will pay with cash at Bergners as soon as I make a purchase at the register. So I won't be screwed with your illegal credit card system. To avoid going under HSBC needs to learn how to treat their most valuable asset- the Customer!

    Gina Norton 1/12/09 5:11PM

  • HSBC makes it a bit tough to get through to a person. Why should I have to report a stolen card (that isn't stolen) just to TALK to a representative. You need to have a representative available to talk with (someone that speaks clearly and understands English). I would like to recieve a paper statement every month PLEASE for my Auto loan!

    Thanks,
    Ralph Flaeschel

    flaeschel@yahoo.com 12/31/08 11:45AM

  • Submit your comment >>
  • i am a customer service rep for HSBC in the UK, and i believe that we are all wrongly labelled as 'useless' etc..
    our centre has a fantastic 89% excellent customer service figure...
    you should all think twice before slagging us off, we're not all as bad as you say.

    rrraaawww22 3/20/10 9:43AM



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