Consumer complaint received 2018-10-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Complaint against XXXX XXXX Account I suddenly found out yesterday that my account with HSBC bank had been closed and I was shocked. 
First, I opened this account earlier this year with the intent to use it for my business and persona needs, then I found out that I could open a business account as well. 

I initially opened this account in the branch in XXXX XXXX, and the staff there were very nice and courteous. 
But I missed the appointment to open the business account at this location because it was too far from my home in the XXXX district of XXXX XXXX. so, I went into the local branch here on XXXX XXXX to open this business account, where I met the Business Relationship Manager named XXXX, and from the very first moment, I noticed strange things were happening there. 
He was sort of illegally recording me with his laptop ( this is violation of my privacy and PII ) and asking me questions unrelated to opening an account. Shortly afterwards, he told me that he will be doing some review and getting back to me. 
Over the course of a few weeks, I noticed that he would call me using min HSBC numbers and I had no idea what this was all about, then I asked him why the account not opened yet, then he said I must make a deposit first to have a business account open. I asked him why, am I seeking a loan or anything? 

This was unbelievable and ridiculous, so I called the corporate office of HSBC in NY and reported this matter that I was basically told I could not open a business account unless I made a deposit first, even though this was a start-up and I wasn't asking for loan or anything. All I needed was business account to conduct business exchanges. 
Every other person I know opens accounts and business accounts without being asked invasive questions and told to have had the business running for years and with money to open the business account, especially when the company is a start up. This is XXXX XXXX! 
This personnel was using tactics that are condescending and discriminatory to profile me! 

When I reported this matter : I was told by the manager that I spoke to that he had sent the report to the banker 's ( XXXX ) manager and the latter will be calling me. 
Till today no such call has happened. This incident took place in XXXX or there about. 
I am so convinced that some discriminatory practice had happened and that was why this banker 's manager had yet to contact me.

For this reason, I was dissatisfied with the operations of your team here in XXXX XXXX and it affected my perception of the bank. 
I am not going to bank with a Bank that will profile me as inadequate or not " good enough '' in anyway. 

I was waiting for their response and resolution to this misconduct of their employee for months that was why I could not use the account. If a customer is mistreated, how can that customer still feel free to trust you with her money unless you resolve the matter? 
So what are you closing this account without this resolution done? 
Why did no one call me or email me to ask me how I was doing following this incident? 

To my shock the account was now closed and I was being reported as having a negative balance. 
I also have evidence to believe that this bank has now spread adverse and negative information about me all over the banking landscape without due diligence. 
The amount they are claiming I did not pay them is {$25.00} of my money which they were deducting every month. My money! 

I wish to make it known that this bank 's branch here on XXXX XXXX is conducting discriminatory actions against law abiding people with the intent to destroy their credit and their information. 

The account information are : XXXX and XXXX as shown on my cheque copy.

Company response to consumer: Closed with explanation