Consumer complaint received 2016-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Now the problem with the debit card that was much more serious. 
I was then using my debit card that expires in XXXX / XXXX to pay my bills in the XXXX because I 'm in XXXX. And also to withdraw money in XXXX for my personal expenses. 
Is that because they sent new debit card with ship, did not respect the expiration date of the card I had ( XXXX / XXXX ) and canceled it in XXXX, XXXX although I have informed several times by email, phone and bankmail that I was in XXXX and would only return to the XXXX in XXXX / XXXX, when I would take and activate the new card ( I have all the evidence of these notices by bankmail because I copied them all and have the names, dates, and times when I talked to the Customer Service regarding ( The bank has to have these conversations recorded ). 
HSBC has left me in a very difficult situation because, not respecting the expiration date of my debit card, unilaterally broke a contract between the parties, as I had planned and bought trip to the XXXX in XXXX just to get the new card. Besides that, without debit and credit card, and can not honor my bills in the XXXX, I was also unable to withdraw money for my living in XXXX, where I am until XXXX XXXX. 

So I called the customer service and asked to send new debit card to the branch of HSBC XXXX, closer to my residence. ( HSBC propaganda is this : " If necessary we send new card where you are ... anywhere in the world '' ) Informed the address of the branch and the manager 's name in XXXX different calls to the customer service on XXXX, XXXX and XXXX XXXX XXXX because they did not send the card. Now, I find that on XXXX/XXXX/XXXX they sent the card again for my mailing address in the XXXX where there is none. Now the problem with the debit card that was much more serious. 

As the card requested for branch HSBC XXXX was not enough, I decided to send money to people on my mailing address for them to send me the card that arrived on XXXX. When they are ready to send, comes another card on XXXX. So these XXXX cards are sent to my address in XXXX by XXXX and I paid {$36.00}. The cards come to my house at XXXX. When I try to activate this card in customer service, they tell me that a third card was send for branch HSBC XXXX requested and only this third card was enabled to be activated. The XXXX who came to me had been canceled. All this happened without my knowledge and unilateral determination of the credit card department of HSBC XXXX. Then I called the branch manager of HSBC XXXX and he informed me that the card had gotten their hands. The next day I had to make a XXXX miles trip to pick up the card and finally the night to get it active. 

I WAS EXACTLY ONE MONTH, WITHOUT MY DEBIT CARD, unable to pay my bills in the XXXX and especially unable to withdraw money in XXXX for my expenses fault of disorganization, negligence and / or incompetence and arrogance of the office staff cards HSBC Legally what Can I do based on the Consumer Rights. A branch of my account is in XXXX, Fl. 

HSBC Caused me material and moral damages with their irresponsibility, negligence, incompetence and arrogance for dealing with neglect the needs of customers. 

On the site below are XXXX Consumer Complaints & Reviews, almost all making serious criticism of HSBC, which strengthens my complaints XXXX additional important information. I am XXXX ( XXXX XXXX XXXX ), I live in XXXX and spend one month a year in the XXXX to solve problems with the bank. Have an account in HSBC XXXX XXXX XXXX XXXX branch, in XXXX XXXX, XXXXXXXX ) since XXXX XXXX which keep part of my investments in the XXXX. I am not, therefore, an XXXX citizen, and not resident. But I have investments and bank account in the XXXX since XXXX. 
I look forward to your reply Thanks and regards XXXX XXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX - XXXX : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation