Consumer complaint received 2025-08-19 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:
I am writing this complaint as my issues have remained unresolved with HSBC. I have provided documentation showing that I am a victim of identity theft / fraud. HSBC Bank US Confirmed that the Deposit Accounts ( Checking and Savings Account ) Were opened in my name without my consent. These accounts were opened on or around XX/XX/XXXX without my consent or knowledge. On my XXXX report which is a consumer reporting agency. I have a security alert and fraud alert. The Alert specifically states that I must be contacted before any Deposit Account 's can be opened to confirm that it was indeed me applying for said account. In this instance. HSBC Did not verify any information. HSBC Did not contact me by phone, Email or otherwise. HSBC Knowingly allowed a fraudster / identity thief to utilize stolen identification to open a checking and savings account and did not provide me with any further information. I did not receive any account documents for this account. I did not receive any statements for this account. I did not receive any monetary benefits for these account ( XXXX ). On XX/XX/XXXX A Check was supposed to be mailed to me from a XXXX XXXX XXXXXXXX XXXX This check was drawn on XXXX XXXX XXXXXXXX XXXX I did not receive the check and instead it was stolen and fraudulently cashed into the HSBC Bank account by XXXX XXXX. Check # XXXX In the amount of {$210.00}. This was not authorized to be deposited into this bank account. I did not sign the check the check was stolen and forged. Misdirected by mail. A Second check was mailed to me on XX/XX/XXXX in the amount of {$5800.00} Check # XXXX Again from XXXX XXXX XXXXXXXX XXXX The check was drawn on XXXX 's account with XXXX XXXXXXXX XXXX  I did not receive this check nor sign for this check. The check was yet again Mobile Deposited into the HSBC Account without my consent or permission. I do not live with anyone and I did not grant anyone permission to access my mail. The check never arrived. HSBC Allowed the check to be fraudulently Deposited into the account ending in XXXX. I submitted a claim with XXXX on XX/XX/XXXX. The claim is a Fraud Affidavit for an official check. On the claim form I advised that I did not receive either of these checks. I did not endorse these checks. HSBC was not granted permission to deposit these checks. I do not know whom received these payments but it was not me. I did not ever receive these in the mail. The mail must have been misdirected. I spoke to XXXX on XX/XX/XXXX. I advised their XXXX XXXX Department what was happening and explained that I am a victim of identity theft. I explained that XXXX XXXX has reached out to HSBC They have requested that HSBC Return the fraudulently cashed checks. These checks were Forged and Fraudulently Mobile Deposited without my consent or permission. I did not receive the funds from these checks. I did not access these accounts. I did not grant any type of consent or permission for HSBC To Steal these checks nor did I grant any permission for HSBC to fraudulently Mobile Deposit these checks into the fraudulent checking account. HSBC told me that they can not speak to me regarding the account because It is not my account. They told me they closed the account due to identity theft in XXXX of XXXX. HSBC told me that if XXXX XXXX  reclaimed the funds back that they would return the funds to XXXXXXXX XXXX  within 7 Business days. HSBC told me that is regulation and law. They told me they can not speak to me further about these checks because this is not my account. However It's been over 150 Business Days. I spoke to XXXX XXXX Friday XX/XX/XXXX. XXXX Told me that they spoke to XXXXXXXX XXXX  and XXXXXXXX XXXX sent a request to recover the funds from HSBC. They also advised that XXXXXXXX XXXX did this back in XXXX, and have not received a single response from HSBC Bank. Meaning HSBC Bank is ignoring their request. HSBC Bank is required by law to return the funds from a check in which is unauthorized and a result of forgery / fraud. In this case HSBC is intentionally holding the funds {$5800.00} and {$210.00}. Lastly HSBC Also was advised from the IRS To return the funds from a Direct Deposit which was misdirected into this fraudulent account in the amount of {$5000.00} which was sent to HSBC Unauthorized on XX/XX/XXXX. The IRS Mistakenly Deposited this Direct Deposit into this account with HSBC. I did not authorize this direct deposit. The IRS has requested that HSBC Return the funds from this Direct Deposit back to the IRS. The IRS has requested Reclamation of this direct deposit. However the IRS is also telling me that once again HSBC has not responded to their notice or request. The IRS has tried reaching out to HSBC Several times, and HSBC has not provided any type of response. It appears to me that HSBC is intentionally ignoring these check claims I am a victim of a scam or Fraud. HSBC knows that I am a victim of fraud. HSBC is required to respond to these notices, However HSBC is choosing to intentionally ignore both the IRS And XXXX XXXX HSBC needs to do the right thing and return the funds for the checks that this account was not entitled to. I did not authorize these payments. I did not receive these funds. I am requesting HSBC Bank to Return the funds, and follow proper regulation.

Company response to consumer: Closed with explanation