Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/XXXX, HSBC received a restraining notice on my account. As a result the decided to make my life miserable!!

I spoke to the legal Departmemt 3 times and was promised and I have it in email that it didnt affect my credit card and my line of credit plus any amount in my account above the restraining notice can be used.

However the situation was completely different!!

They conducted deceptive business practice and criminal activity all on the basis that its in the terms and conditions and therefore theyre allowed to do whatever they want.

HSBC simply fails to understand that terms and conditions can not override laws and consumer rights.

Ive been abused, I can show proof from my phone call history and especially my chats how I was lied to every day hundreds of times.

Im completely drained and suicidal, HSBC took away from my every appetite to breath on this world.

Its illegal to play around and lie to a customer no matter what the condition is.

I also received emails from consumer relations Departmemt that they are looking into this matter and will get back to me within 48 hours. But that wasnt the case!!!

Everything is documented and I have proof of everything should I need to pursue legal action.

Theres absolutely no way in this world they can make up the abuse they did to me!

And abuse of power is a crime under penal law.

I got an alert from the credit bureaus that my credit card and line of credit is closed which is was an adverse impact and I called in again and they told me without hesitation we see its not closed and everything is fine.

Then they shifted gears and said all I need to do is go to a branch to verify recent activity and everything will be ok. I went to 5 branches and not only did they tell me theres nothing we can do but threw me out as I was begging them for help.

This complaint is not about my money, I need answers!! I need to know why HSBC decided to make my life miserable and what sin did I do to deserve this!!!!

Then lem me go to the Fraud Departmemt which called me on XX/XX/XXXX that I need to email them documents and then everything will be good and theyll call me within 24-48 hrs!! And again that was not the case, they never called me and I keep on emailing them and theres no one to talk to!! 

Im being transferred thousands of times and Im being made a puppet of!! 

Simply taking advantage of me for no reason!! 

On XX/XX/XXXX I spoke to a rep which finally helped me remove the restriction on the credit card and it worked for exactly 10 minutes. 

please HELP WHAT DID I DO WRONG ALREADY!!!!!! 

Im screeching from pain!!! Im chocking I just cant tolerate this corruption!!! 

HSBC is basically allowed to do everything weather legal or not by using their excuse that its either in the terms and conditions or its for ur own protection!!! And how in the world does this protect me.??????

Then they returned just this week 4 credit card payments I made!!! They simple arent happy that they ruined my life but now they want to ruin everything I have!!!

I was now in a branch and the branch told me that the reason is the need to verify the source of the funds I told them in detail every penny from where it came from and I was shocked how every minute and every call they have a new reason, new excuse and new departments handling my account FOR MY OWN PROTECTION!!! 

The punchline is they see and know their not right as a result 90 % of representatives just hang up the phone call on me. 

I called in today another 100 times and told them I dont care anymore about my money, all I want to know is why in the world is HSBC doing this to me!!!??? 
I told them keep my XXXX as a donation and just tell me what did I sin and why are you doing this to me!! And again and again and again was I being transferred they transfer you nonstop its crazy!! 

I ask the CFPB to please investigate their deceptive business conduct and fine them for billions of dollars even they have terms and conditions The pain and misery they are able to cause someone wasnt heard in history!! Even world war 2 didnt go through the torture theyre able to pull off!!!

I am definitely damaged for life and Ill never be the same.

I ask the bureau for permission to record my next 100 phone calls to show rock solid proof how Im being treated!!!

Should this continue Ill take legal action to the full extent of the law!!! Yes law!! Not terms and conditions!!!! 

Ive already had a consultation with a criminal defense attorney and he mentioned 4 counts of fraud HSBC did to me.

And Im sure if their doing it to me their doing it to everyone.

If its really true that all that want is to verify activity on my account all they need to do is verify it!!!

But the problem is that excuse can no longer be used as I already verified it 100 times and was lied to and told that NOW YOIR account IS ALL GOOD!!

Then yesterday I spoke to the Fraud Departmemt which told me they only need to very a XXXX transfer and I verified it and then was told ok wait 5 minutes and Ill be able to login to ur account and everything will be ok and again that wasnt the case!!! 

This can not be accepted!! The burea should look into them!!! And Im willing to anticipate with the bureau to fine them for billions!!