Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The XXXX ( founded 1988 ) is filing this public report to the CFPB as a result of the XXXX six-year campaign for the " modernization of telephone banking, '' for public record, and proof of the submission of the URGENT XXXX, " Safe Call, '' RECOMMENDATIONS : XXXX to your bank or financial institution. Over a XXXX people were killed in automobile accidents last year, with another XXXX seriously injured! The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure, Eyes on the Road/Hands on the Wheel ... the science of road concentration! There are XXXX mobile phone users and over a XXXX vehicles on the road, so mobile phone use while driving is a worldwide constant urgently dictating remedial change to banking communications standard and practices. ALL BANKS AND FINANCIAL INSTITUTIONS NEED TO CONVERT THEIR PHONE SYSTEMS TO VOICE COMMAND TO ACCOMMODATE VOICE OPERATIVES FOR THOSE THAT CALL BANKS WHILE DRIVING! Once the XXXX road concentration mandate is realized by the driving public, the next step is for banks to curtail distraction temptations. Banks/credit card companies are the most called businesses in the world, and also the business with the dangerous request, " enter or read your ATM or credit card number. " This request is extremely hazardous to those on the road as it encourages people to text message, and or, read ATM or credit card information while driving! Furthermore, this telephone banking practice is rendered obsolete with the realization that ATM, and or, credit cards, are not effective for banking security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords, and voice biometrics. Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX have acknowledged the importance of the XXXX Safe Call recommendations for voice command on their main telephone banking line by using them, XXXX now recommends that these same remedial corrections, and modern innovations, be applied by all financial institutions and their divisions, such as credit card, mortgage, brokerage, and loan departments as it is true ... Safe Call, good for one, good for all! The XXXX Safe Call recommendations improve banking security, safety, proficiency, and productivity ( customer satisfaction ) and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements. Again, TELEPHONE ATM AND CARD ID REQUESTS ARE HAZARDOUS FOR DRIVING, AND INEFFECTIVE FOR ID SECURITY, AND CAUSE ACCIDENTS WORLDWIDE! XXXX MUST INSIST THAT ALL BANKS/ FINANCIAL INSTITUTIONS, CEASE AND DESIST TO USE ATM/C.C. CARDS FOR ID AS THEY ARE UNSAFE AND INSECURE! THIS DANGEROUS ATM/C.C.CARD ID PRACTICE IS NOT CURTAILED FORTHWITH, BANK SECURITY WILL CONTINUE TO BE COMPRISED, BANKS MAY BE HELD LIABLE FOR ACCIDENTS THAT ATM CARD/C.C. ID REQUESTS CAUSE! THIS CFPB COMPLAINT IS NOW PUBLIC RECORD THAT YOUR BANK/CREDIT CARD COMPANY WAS SERVED THIS ASF WARNING NOW IN THE CFPB COMPLAINT DATA BASE. 
Help Save Lives and Improve Banking Security! 
XXXX IS NOT REQUESTING PAYMENT FOR AUTO SAFETY RECOMMENDATIONS, BUT, DOES REQUEST PAYMENT FOR USE OF ANY ASF RECOMMENDATIONS THAT IMPROVE PROFICIENCY, SECURITY, AND OR, PRODUCTIVITY. ASF REQUIRES ALL BANKS, or COMPANIES, THAT UTILIZE ANY OF THE ASF " Safe Call '' RECOMMENDATIONS PAY XXXX FAIR MARKET RESEARCH COMPENSATION FOR THIS USE. If this proposal is agreed to, no response to the CFPB is necessary. 
Please send contract and payment to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief