Consumer complaint received 2022-02-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My name is XXXX XXXX, HSBC Bank has forced some of its members to move its accounts to XXXX Bank which does not have a location here in XXXX XXXX New York I have spoken with HSBC Bank customer service number is times regarding this change of banks, going back until XX/XX/XXXX when it's first was announced after looking into XXXX Bank the fees are ridiculously high this was explained to numerous of the customer service reps that handle the incoming calls at HSBC Bank. The assistant vice president of customer relations her name is XXXX XXXX, I have asked XXXX XXXX for documentation supporting the overdraft that I currently have, I want to verify that I signed any disclosures regarding transferring my account which she has never furnished. I have a minimum of six calls going to HSBC Bank regarding my checking account and credit line, On one of the calls I spoke with a young lady and I said to her that I was not interested in going to XXXX Bank for the obvious reasons, the fees are ridiculously high and their customer service is very very poor they are not here in New York, where we can go and speak to someone so it's not in my best interest to have a bank I can not go to if I have concerns if I have problems, I like to be in front of someone. 
XX/XX/XXXX I received an email from XXXX XXXX stating, very rudely to me that my credit line was going over to XXXX Bank I specifically asked her please verify that the recorded calls will identify one of the representatives stating because the account is not paid off it will stay at HSBC, she informed me during the call that it was only two calls that made to this customer service about my account, I told her no, a minimum of six since XXXX was made, I asked you to please send me a copy of the disclosures for the overdraft and I have yet to receive it. This transfer has been a problem for many people as well as myself when I tried calling to discuss anything with HSBC they flagged your account, by you entering your social security number it identifies you're one of the customers that's being transferred and no one picks up, it tells you to call a different number so that you don't have any type of communication with anybody or questioning anybody about the account or the transfer until it's actually completed these are the experince i have, so they are forcing people to do things without being held accountable for the unprofessional conduct in which they are displaying, I have asked her in emails please provide the disclosures you have of my signature signing this, I have also asked for bank statements with all pages for the last 6 months showing deposit credits withdrawals I have yet to receive, this is important for me to show Trans actual history between both accounts, the disclosures they will not provide me I am sure it's already went over to this transferring Bank which I did not and am not comfortable with. 
XXXX XXXX the vice president of customer relations has very unprofessional conduct with me, she feels what she says is going to happen regardless of my concern or if it will benefit regardless of the importance of the ability for someone to go to a branch to sit down and discuss issues, problems, Etc. I call customer service at XXXX bank and it's a very very poor professional response. I want my overdraft account to be stopped I do not want to deal with XXXX on this transfer. I would like for it to stay there and I will pay it off, they have recently sent me checks so I can make payments against my account for other creditors. XXXX XXXX is taking advantage of the consumers by forcing them to do things that are not in their interest for monetary gain. I am still waiting for all pages of my bank statement I am also still waiting for all pages of my overdraft account. 
I was informed, my overdraft is moving over to XXXX bank and the checking account is closed due to a negative balance, I paid my XXXX from another bank on the XXXX of XXXX and received a check back for the {$82.00} on the XXXX of XXXX, the checking account was closed on XX/XX/XXXX. 
XX/XX/XXXX, i spoke to XXXX XXXX again she said the bank is not moving my checking account because it close but the overdraft is going to the citizen bank. 
How can HSBC close my account after sending me my money back and transfer my overdraft with a balance to a bank with high interest, this is unfair and I open up the overdraft at the branch where the customer service representative fill out the application and I signed it, I never received the terms and condition until today XX/XX/XXXX, by email. 
this transaction with HSBC to XXXX bank has and is unfair to many customers and unfair, many people did not receive anything until the last week before the transfer is complete my checking was a premier account and was changed to a regular account and charged monthly with out them informing me that it was and has occurred, all premier account are staying with HSBC, there is unfair treatment with this. XXXX XXXX informed me she had 8 recording of calls she listen to on those recording you will find what was said to me about my account from her representative and what I was able to do. 

XXXX XXXX

Company response to consumer: Closed with explanation