Consumer complaint received 2015-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a law abiding, squeaky clean, legally XXXX retired distinguished American senior citizen at my vacation home in a XXXX, XXXX, who only has XXXX USA bank account my HSBC checking account with a debit master card that is tied to my funds in my HSBC checking account. My creditworthiness as is reflected by my credit report is excellent as is reflected in my credit score, etc. I have had my account with HSBC for over twenty years when you include the bank that HSBC merged with. I have always gone above and beyond to exercise due diligence with HSBC by for example putting a seven year fraud alert on my credit report when I got a letter from XXXX that someone had attempted to fraudulently open a line of credit with them in my name last year. In addition, I purchased a one year subscription to XXXX Protect My ID service after I got that letter from XXXX alerting me that someone had fraudulently attempted to open a line of credit in my name. I have always been a creditworthy customer of HSBC who has always followed the protocols of HSBC bank. In fact, inasmuch as, HSBC bank over the years has made numerous solicitations for me to open up a line of credit with HSBC and I have refused when I got such a solicitation from HSBC I was shocked that they refused to offer me their credit card. Not only was I shocked but the credit reporting agencies were shocked and said it was discrimination, inasmuch as, I have an excellent credit report and I have always been a creditworthy customer of HSBC bank. Not to mention I have no outstanding debt with any financial institution, no credit card, etc. 
I was shocked when my HSBC branch manager XXXX wrote me in XXXX that she was closing my HSBC checking account. I contacted HSBC and was informed that they have the right to arbitrarily close even someone like me an always creditworthy customer who has always followed all of the protocols of HSBC and who has always done due diligence when there has even been the slightest problems. Even after I informed XXXX and HSBC customer relations, and HSBC investor relations that it would be an extreme hardship for HSBC to close my HSBC checking account because I am on my way back to the USA and I need to have the liquidity of access to my funds via my HSBC bank account, because it is virtually impossible for me to open a checking account in XXXX and therefore virtually impossible for me to get a check cashed in XXXX, because I am only vacationing in XXXX, I am not going to establish residency in XXXX through the immigration services in XXXX. Moreover, as I have informed HSBC including HSBC investor relations, consumer relations, my branch manager, I am a legally XXXX squeaky clean American senior living alone in XXXX who has no spouse, no partner, no children, etc. ; therefore, if HSBC cuts me off from my funds or access to having my direct deposited US Social Security monthly benefit of XXXX ( {$XXXX} ) monthly direct deposited to my HSBC account and further I am cut off from my monthly direct deposited XXXX ( XXXX ) pension benefit on one XXXX ( {$XXXX} ) which is also every month direct deposited to my HSBC bank account I am not going to have access to money for basics for my life sustaining food and medications that for me a legally XXXX senior who this month a treating physician in XXXX recommended I return to the USA to get my congestive XXXX XXXX treated because I only have health insurance for the USA not XXXX or anywhere else, I could literally have a massive fatal XXXX XXXX or XXXX and/or my other bodily systems fail because I am cut off from my direct deposited funds to purchase my life sustaining food and medications. HELP

Company response to consumer: Closed with explanation