Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I had both a checking and savings account with HSBC Bank connected with my  HSBC debit and credit cards .. I was always watchful of my balance . Time after time I always had enough money and  HSBC woul d always say my account balance was negative again and charged me expensive fines. I could never figure out why this was happening. SO in order to protect my self from  HSBC 's  totally dishonest practices I had to close all of m y HSBC  accounts and pay them off in full! Even after I closed all of my  HSBC accou nts and payed them off in full with a  XXXX  balance which was confirmed by  HSBC  on  XXXX   XXXX   2016 w ith the  HSBC executive on  the phone confirming that I have indeed paid in full and owe  HSBC no thing and that the account was closed with a  XXXX  balance owed confirmation code provide (   XXXX   XXXX   XXXX  ) to verify these facts. I continued to be billed and charged fines and fees. I was still being billed and fined b y HSBC and have been ever since. I need protection from HSBS. I am still always receiving bills from HSBC that are gaining interest. I had to borrow money to pay everything off in full just to protect my self from HSBC illegally scamming me with all kinds of charges and fines. I need Federal protection from HSBC. I payed everything off just to stop HSBC from trying to continue to bill me. I paid everything off in full owing HSBC nothing. And it was confirmed by HSBC them selves o n  XXXX   2016  that I owed  HSBC nothing and  that the account was closed.     Yet,, sure enough I received anothe r Bill y et again for interest owned which was fraud. I had just paid  HSBC o ff completely just to keep them from trying to continue to steel from me. On  XXXX  /  2016 I cal led the  HSBC offic e and registered a complaint. stating that I will contact the government to obtain protection from  HSBC..  I was given a conformation number stating that all debts were paid off and that the account was closed with a  XXXX  balance. This is the conformation number they gave me assuring that my accounts were closed and that I no money was  owned to HSBC. The HSBC executive st ated that she will correct the problem and close the account with a  XXXX  balance owed.. this is the confirmation code # she provide to me on  XXXX   XXXX  /  2016     XXXX   XXXX   XXXX   XXXX  ) REFERENCE CODE #   XXXX   XXXX   ). I felt this issue would be resolve Since the n HSBC HA S CONTINUED TO BILL ME INTEREST AND FINES FOR AN ACCOUNT WHICH THEY HAVE BEEN EXTORTING MONEY FROM ME FOR MORE THAN A YEARS TIME .. AT THIS TIME I NEED FEDERAL PROTECTION FROM  HSBC AN D REQUEST A FULL INVESTIGATION FOR FRAUD AND DECEPTION TO OBTAIN PROFIT FOR SELF INTEREST PRAYIN G ON THIER O WN CLIENTS TO INTENTIONALLY DECIEVE AND DEFRAUD THEM OUT OF MO NEY. HSBC SHOULD BE F INED AND UNABLE TO DO BUSINESS IN TH E UNTED  STAEES OF  AMERICA. I NEED FEDERAL PROTECTION FROM HSBC. A TOATL INVESTIGATION SHOULD BE OPENED AGAINST THIS DISHONEST HSBC OP ERATION. I will take this to  XXXX   XXXX  and contact all local media to obtain protection from  HSBC trying to steal more money from me or from any one e ls! HSBC SHOULD BE PUT OUT OF BUSINESS TO PROTECT AMERICAN CITIZENS AND ALL OTHERS FROM SUCH UNETHICAL PRACTICES. WE NEED PROTECTION FROM  HSBC T HEFT! Thank you Kindly!

Company response to consumer: Closed with explanation