Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Around XX/XX/XXXX, XX/XX/XXXX HSBC XXXX XXXX opened a fraudulent checking account # XXXX In my name along with a savings account # XXXX. These accounts were applied for Online. I did not apply for these accounts. I have confirmed with HSBC that I did not sign any account applications. HSBC allowed these accounts to be applied for and obtained online. Following these accounts being opened, HSBC supposedly sent a debit card and account documents. I never received a debit card from these accounts. I never received a debit card from these accounts at any point in time. I did not receive any account opening documents, and I did not receive any statements. On my Consumer Credit Files, I have Extended Fraud alerts. These extended fraud alerts state that I am a victim of identity fraud, and that I must be contacted before any accounts can be approved in my name. HSBC Did not call the phone number listed on my consumer credit files, at any point in time. Had they called to verify the application prior to approving the checking or savings they would have realized that it was not me applying. HSBC proceeded to allow the identity thief to register for online banking. Which again I never had access to at any point in time. I was sent several checks in the mail from my other banks, and these checks were stolen during transit and forged. HSBC Allowed these stolen checks to be deposited fraudulently ( misdirected ) Into the HSBC Checking account ending in XXXX AGAIN without my permission. XXXX checks were from XXXX XXXX, and I have reported these checks to XXXX and Also to XXXX which issued the checks as these checks were altered and or forged and stolen. I never received these checks. HSBC never had permission at any point in time to allow these stolen checks to be deposited into this fraudulent checking account. Since I never received any Debit Cards, I never received any information on these accounts, I was not aware that these checks were stolen until I received check images of the checks. That's where it showed what account deposited these checks. XXXX Check was {$5800.00} ( Issued on XX/XX/XXXX ) Never received, and Mobile Deposited fraudulently into this HSBC Account. Second check is for {$210.00} ( Issued on XX/XX/XXXX ) Never received, and Mobile Deposited fraudulently into this HSBC Account ending in XXXX Fraudulent. Third check was a XXXX Treasury check {$11000.00} Issued on XX/XX/XXXX as a replacement check from the Bureau of Fiscal service. This check was never received, and in fact the check image shows a stamp from another bank on the check, and HSBC Allowed this check to be fraudulently deposited into this account ending in XXXX. I have also reported this to the Bureau of Fiscal Service. The Bureau of Fiscal Service will be filing a reclamation on this check that was issued and stolen from HSBC. HSBC Again mobile deposited this check into an account I never had access to. I Do not and did not have online banking access to these accounts. I never received a debit card from these accounts. The third check was for {$5000.00} Which was a Direct Deposit that was misdirected from my IRS XXXX for XXXX. This was misdirected into this HSBC Account Ending in XXXX Without my consent or permission. I did not receive any XXXX benefits from any of these checks. I have reported these checks as stolen. Forged. Altered. Last Check of {$5000.00} XXXX reported to the IRS and advised that a Reclamation should be filed on this check as the direct deposit was misdirected and I never authorized my refund to be directed into this HSBC account. At this time, HSBC Has Stolen 4 Different checks from me for a total amount of {$22000.00}. HSBC never sent me any statements for either account checking nor savings. I did not authorize these accounts to be opened at any point in time. My Identification was stolen, and I am a victim of Identity Theft as I have already advised to HSBC. HSBC has not provided any documentation to support the application. I did not sign any applications for HSBC. I did not receive any funds from HSBC. At any point in time. At this time I have filed disputes on all XXXX Checks. I have also tried working with HSBC on these checks, but HSBC proceeds to tell me the accounts are already closed and they can't assist even though they stole my payments and misdirected the direct deposit. Without my consent or authorization. I do not believe a proper investigation has been conducted, and I have already contacted the XXXX Police Department and filed a police report regarding these accounts.

Company response to consumer: Closed with explanation