Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I had three duplicate transactions that posted to my account for XXXXXXXX XXXX  each, they didn't go through on my end and received nothing from the purchase attempts. I was told these would fall off and post back to my account, they didn't, I had to file a dispute. I was given a provisional credit for each of these transactions and wasn't notified by the bank and found out by receiving a email from the company I attempted to purchase from saying they were charging me an additional {$900.00} to reclaim the charge back. A straight unauthorized fraudulent charge. I go back and dispute this now. I get a {$900.00} provisional credit and have this company blocked from charging me again. I receive a letter from HSBC, my bank saying the 3 provisional credits of XXXX XXXX total of XXXX have become permanent and I won that dispute. A day later, I make a purchase, and my remaining balance goes to XXXX XXXX XXXX  gone from my account. I contact support, they're clueless, say its a banking error and it'll fix itself. I add an additional {$25.00} to my account to bring my balance above XXXX and it's still XXXX.. I contacted again and ask where did this {$25.00} just go, I should now have $ XXXX in my account? Support still clueless. On XX/XX/XXXX, I receive a letter stating now that the {$900.00} provisional credit is being reversed on the XXXX which is apart of the first dispute so this is wrong. I check my bank transactions and see, same day, XX/XX/XXXX, there is XXXX, {$300.00} transactions being reversed for the total of the {$900.00} by HSBC for the provisional credit they've already awarded me. I go to support again, and state, this is wrong, you've already awarded me this dispute and this letter says you wouldn't be charging til the XXXX anyways. They are once again clueless. Fast forward to XX/XX/XXXX, HSBC has charged ANOTHER {$900.00} for provisional credit reversal as the letter states and I tried to explain to support. So now I am negative roughly {$1700.00}. They apparently ( I'm assuming ) went back on their dispute results after sending me a letter finalizing and still not notifying me otherwise and have charged me back {$1800.00} for the provisional credits. The negative balance still isn't adding up either because there should've been $ XXXX in the account which should have left me negative roughly {$1400.00}. I will not be paying any unjust inaccurate negative balance. This is fraud. Bottomline, my account should be positive, XXXX XXXXXXXX from the positive balance that I had which was XXXX XXXXXXXX and the {$900.00} that was also rightfully mine and disputed and won from the letters I received finalizing that result. These disputes were result of fraud and unauthorized charges which I should be protected from. I've filed XXXX  complaints, I've contacted customer relations multiple times and receive no response. All I want is my account balance fixed, once and for all to the rightful positive balance I should have and no going back at a future date changing this. XXXX XXXXXXXX should be my balance. At this point I don't even care if it's back to the original XXXX XXXXXXXX but I won't be paying a roughly - $ XXXX balance because they want to reverse provisional credits they've already awarded and deemed fraud as it was indeed fraud.

Company response to consumer: Closed with explanation