Consumer complaint received 2023-09-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US HSBC XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I deposited US {$80000.00} to apply for a nine-month 5.25 % time deposit. I waited for several weeks with no response. I called several times and some responses were that the application could not be found, and some responses were that it was being processed, but the responses were all different. 
XXXX. I also submitted a credit card application in XXXX, but there was no news. I asked for the same reply multiple times, either the application information could not be found or it was still under review. Multiple replies with different answers. 
XXXX. There was no result notification in XXXX. I asked customer service again and submitted the application again. There was no news for half a month. On XX/XX/XXXX, the account showed " Sorry, there was a problem loading your accounts. Pull down to refresh.Error code XXXX '' " It's been like this all week. 
XXXX. Asked the bank customer service and the reply was that the account was locked. What's the reason? The customer service reply was unclear and asked me to wait. Two weeks later, it is still locked. I called customer service again and contacted the bank 's security department. The security department told me that they didn't know the specific situation and told them to wait. It would be unlocked after a few days. After a few days, it would still be locked. 
XXXX. Finally, when asked about the specific reason, the banks answer was unclear. When will the account be unlocked? The banks customer service response was unclear and there was no specific time limit for them to continue waiting. 
XXXX. For such a baseless service, leaving my {$80000.00} in the bank has no value. Any banking transaction is chaotic. And they locked my personal account without any reason or reason. 
XXXX. Regarding the same problem, I searched on the Internet and found that there are many similar problems, especially for international users in the XXXX XXXX region who have locked their cards and closed their accounts on a large scale without any reason. I dont know which US law stipulates that users in XXXX XXXX are treated so differently. Is this XXXX discrimination? 

XXXX. Due to language and geographical issues, many people encounter such discrimination and unfair treatment and have no channels to speak out or a platform to complain. My complaint reflects the hope that the relevant departments in the United States will take it seriously, review and handle it properly, and provide a reasonable solution. 

XXXX. Moreover, the above-mentioned unreasonable discrimination is unfair. Are their bank 's practices reasonable and standardized? Does it comply with industry regulations? Is it legal and compliant and does not violate relevant laws? 

XXXX. Regarding the above description, I can cooperate to provide more information to help your supervision, and the banks customer service should also have recordings that can be investigated. Please also investigate what I said about the large-scale unreasonable discriminatory treatment in the XXXX XXXX XXXX XXXX. I hope that HSBC XXXX XXXX XXXXXXXX will not discriminate against our users in XXXX.

Company response to consumer: Closed with explanation