Consumer complaint received 2019-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I wish to close my HSBC accounts and withdraw all my money ( over {$100000.00} ) from this bank immediately. I have contacted HSBC bank at least a dozen times since last week asking why HSBC was IMPROPERLY WITHOLDING my fundsI did not get a reply. I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY HSBC ACCOUNT ASAP. Customers have the right to know and the right to access their account. HSBC has NOT provided me any answer. I FEEL HARRASSED and RETALIATED AGAINST BY HSBC in THIS LATEST HOSTILE ACT BY HSBC directed at me because I have brought several complaints about HSBC to CFBP. I am also of XXXX American heritage and I feel HSBC that is mistreating me as punishment for calling out HSBCs serious patterns of abusive acts. Due to a series of unprofesional conduct and eggregious mistakes made by HSBC on my accountincluding the HSBC branch manager in XXXX XXXX, XXXX XXXX, lying to me when he sent an email on XX/XX/XXXX, confirming that HSBC did NOT process any overdraft protection or credit card on my accound. ( Exhibit A attached ) However, I would later discover a hard hit initiated by HSBC on my credit report. ( Exhibit B attached ). I have NEVER knowlingly consented or authorized HSBC to run ANY credit check soft or hard whatsoever on my account. I have also submitted a complaint to HSBCagain NO reply is the typical reply. This communication black out from HSBC -- among other mishandlings of my account by HSBC compelled me to withdraw my money and terminate HSBC immediately. Throughout Monday, XX/XX/XXXX, I spent at least FOUR hours contacting HSBC and speaking with different HSBC representative to schedule an appointment at a local branch to withdraw/close my account ( I have phone records ). Finally, at XXXXXXXX XXXX, XXXX XXXX XXXX, a manager at the XXXX XXXX branch informed me that she could not close my account because HSBCs back office has taken over my account. In a very dismissive tone, she said she could not do anything further. I asked her WHAT IS HAPPENING to my account??! XXXX XXXX said that the HSBC back office informed her they have already spoken to me last Thursday ( XX/XX/XXXX ) and Friday ( XX/XX/XXXX ) about this matter. Another lie from HSBC. For the record, NO ONE FROM HSBC HAS EVER CONTACTED ME AT ANYTIME last Thursday and/or Friday via email/phone in any manner. I asked to speak with the person who claimed they had contacted me but she declined. I became more distress at HSBCs unprofessional staff and more lies they were perpetrating. I had no option left and NO ONE at HSBC would help. At XXXX XXXX, I called the HSBC toll-free customer line. I spoke with operator XXXX. I told her what the XXXX XXXX informed me, but that NO ONE from HSBC has ever contacted me last Thursday or Friday. XXXX called the branch manager in XXXX XXXX while I remained on the phone. Then, XXXX suggested that I contact the executive office. However, I informed XXXX I have already the executive office numerous times last week. NO live person has ever answered the phone at HSBCs executive numbers here : ( XXXX ) XXXX and XXXX. Both numbers go to the SAME answering machine recording. I already left a message ; NEVER heard back. Since last week, I began contacting HSBC after receving a notice from HSBCs Vice President of Customer Relations, XXXX XXXX on XX/XX/XXXX, CFPB was also copied. She stated that HSBC would not assess any fees on my Certificate of Deposit ( CD ) account if I were to terminate early and I could close my account at a local branch. I called to set up a time terminate my account at the XXXX XXXX branch. Then, the typical HBSC dismissive reply and endless run-around happened, per above. I and my family have suffered enough of HSBCs abusive actions taken against me. HSBCs deceptive practice, the run-around they put me throught, HSBCs black out of any communication, their hostile withholding of my funds, the unauthorized hard hit HSBC made on my account, the stress and headaches HSBC have caused me and my family are just some the examples of how a powerful banking institution will punish anyone who complains about their abuses. This horrific nightmare with HSBC must end immediately.

I want a clear answer from HSBC as to exactly WHEN/ WHERE/ HOW I CAN GET MY MONEY and CLOSE MY ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation