Bank · complaint record
HSBC complaints
Filed under HSBC NORTH AMERICA HOLDINGS INC.
Consumers have filed 12,520 complaints about HSBC since 2011, 404 of them in the last 12 months (+11% on the year before). It answered 100% on time and closed 1% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 21st most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 12,520
- Last 12 months
- 404
- Answered on time
- 100%
- Closed with relief
- 1%
- Last 30 days
- 25
- Rank
- #21 of 188
Since December 2011
+11% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 12, 2026
Most complained-about banks & credit unions
HSBC complaints by month
The busiest month was March 2014 (182 complaints). Complaints in the last 12 months are up 11% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How HSBC answered last 12 months
- Closed with monetary relief51.2%
- Closed with explanation38595.3%
- In progress143.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers1/401.3% closed with relief
- Complaint trend9/15+11% vs last year
What HSBC complaints are about
Top HSBC problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 333
- Banking errors 160
- Funds not handled or disbursed as instructed 153
- Problem accessing account 124
- Problem using a debit or ATM card 81
- Problem making or receiving payments 76
Where HSBC complaints come from
Most complaints: New York (2,782), California (1,468), Florida (939), Texas (583), New Jersey (576).
HSBC compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Morgan StanleyBank accounts | 51 | 511 | C |
| 2 | Suncoast Credit UnionBank accounts | 52 | 469 | C |
| 3 | HSBCBank accounts | 55 | 404 | C |
| 4 | New York Community BankBank accounts | 59 | 392 | C |
| 5 | Vystar Credit UnionBank accounts | 81 | 373 | A |
| 6 | Charles SchwabBank accounts | 50 | 359 | C |
| 7 | Axos FinancialBank accounts | 47 | 294 | D |
| 8 | Randolph-Brooks Federal Credit UnionBank accounts | 43 | 291 | D |
Compare side by side: HSBC vs Morgan Stanley · HSBC vs Suncoast Credit Union · HSBC vs New York Community Bank · HSBC vs Vystar Credit Union
What people say about HSBC
All experiencesNo experiences with HSBC yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest HSBC complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Credit cards | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Nov 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 1, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | In progress |
| Nov 1, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | In progress |
| Oct 30, 2026 | Money transfers & apps | Other transaction problem | In progress |
| Oct 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | In progress |
| Oct 29, 2026 | Money transfers & apps | Fraud or scam | In progress |
| Oct 29, 2026 | Bank accounts | Opening an accountDidn't receive terms that were advertised | In progress |
| Oct 29, 2026 | Bank accounts | Closing an accountFunds not received from closed account | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 28, 2026 | Credit cards | Fees or interestProblem with fees | In progress |
Questions about HSBC
How many complaints does HSBC have?
HSBC has 12,520 complaints on record since December 2011, including 404 in the last 12 months and 25 in the last 30 days. That makes it number 221 of every company by complaints this year.
Does HSBC respond to complaints?
Yes. HSBC answered 100% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 1.3% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 55/100 (grade C).
What do people complain about most with HSBC?
The most common problems are managing an account (992), took or threatened to take negative or legal action (346), closing an account (344).
Is HSBC legit?
HSBC is a real company with a public complaint record: consumers have complained about it 12,520 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is HSBC legit? for the signals, red flags and how to protect yourself.
Are complaints about HSBC going up or down?
Up. There were 404 complaints in the last 12 months against 363 in the 12 before (+11%). See every month.
How do I file a complaint against HSBC?
Complain to HSBC in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most HSBC complaints come from?
Most come from New York (2,782), California (1,468), Florida (939). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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