Consumer complaint received 2016-11-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was fraudulently misused. I lost my debit card, and before I could discover or report the loss, there were several unauthorized debit and credit transactions made to and from my checking account. I made a police report of the unauthorized uses of the card and forwarded the police report to the financial institution, HSBC, without any positive recourse to date. 
I have spoken with HSBC customer service telephone bankers, the manager of the HSBC branch, where I initially open the account, banking agents in the bank card security division, banking agents in the fraudulent investigation unit, and agents at the XXXX corporate office. 
On XXXX XXXX, 2016, my bi-weekly paycheck was directly deposited into my HSBC checking account. As per my monthly requirements, I attempted to pay my monthly car insurance and note, and to my dismay, I discovered that my entire paycheck had been depleted and I had a negative balance in my checking account. 
I immediately reported the incidents to the bank card security division of HSBC bank and requested an investigation of the debit and credit transactions observed on my e-statement. To date, I have received no help from HSBC in resolving the matter. 
The investigation has become circular, as I am being referred to multiple HSBC units, without any proposed or possible avenues to commence a resolution ; other advice or assistance, yet I am being hounded daily with telephone calls from HSBC collection department seeking repayment of the monies fraudulently credited and debited. 
The checking account statements for the months of XXXX and XXXX 2016, evidenced both unknown fraudulent debit and credit transactions. The possible explanations given by HSBC for the debited transactions are ambiguous. One banking agent indicated that the deposits were a draw down on an attached overdraft credit line ( of which I have no prior knowledge, nor from which I had ever resourced funds ). Another bank representative stated that deposits that appear on the statements were due to attempts to deposit fraudulent checks. 
The alleged fraudulent deposits referenced took place over XXXX miles away from my hometown. These supposed deposits were not made by me or any authorized agent on my behalf. I have no knowledge nor can I offer any possible explanations how they occurred. 
Additionally, there were several ATM withdrawals and merchant transactions of which I have no knowledge nor can I offer any possible explanations how they occurred. 
I would like to file a complaint with the Consumer Financial Protection Bureau, of the Federal Deposit Insurance Corporation and the Attorney General Office of New York, but I need evidence to support my complaint. I need copies of any and all steps taken by HSBC to investigate the fraudulent debit and credit transactions. 
I lost my entire bi-weekly paycheck as well as I am being held liable for the overdrawn fees, charges and balance. 
I am a valued and long-term customer of HSBC. I need help in discovering the source of the fraud and removing the cloud over my credit history. The best solution would also include restoration of my paycheck.

Company response to consumer: Closed with explanation