HSBC Bank - Fremont (CA)

1 /5 Cary Jiang: UPDATE: AVOID THIS "BANK" AT ALL COSTS. They keep your money in transfer for days to get free interests, in complete disregard for the inconvenience and financial damages it may cause you or the recipient, I submitted an international wire transfer. Called to confirm all the details. However the transfer has not gone through after more than a week despite their app saying "completed". The branch says they are unable to check the status so Ill have to call their customer service. Customer service says its still in "clearing" - havent even left the US yet. They have no set date for the completion. I ask to cancel the transfer. They agreed but then told me that it will take at least two days for them to review the cancellation request - and the reversal may or may not succeed!! According to them, I may also receive less than the original amount because of currency rate fluctuations, so they are essentially charging me the bid-ask spread for money they sat on for days. I am filing a complaint to CFPB and OCC. -- The branch and relationship manager is fine. HOWEVER for a simple transaction - be prepared to spend hours on the phone talking to their customer service center in India and their broken phone app.

1 /5 Joe Chen: I had a very disappointing experience with HSBC US. I was misled about a bond they sold me — I was told it was callable only once, but it turned out to be callable monthly. When I complained, they ignored me until I escalated the issue to FINRA. Even after that, they failed to honor our verbal agreement. My refund has been delayed for months, and they took away the tax-free interest and the accrued interest I paid during purchase, and now they want to return it taxed. This is unacceptable behavior from a major financial institution. I would not trust them again.

1 /5 xi guo: Every time I come here I have to wait for over 20 minutes even they don’t have many customers in the branch. They just like to keep their customers waiting. Today finally I cancelled my account, no more waiting here!

1 /5 Karen Thai: So on my day off I went to this bank to open an account because they have a promotion going on. Their business hours listed publicly is from 9 am to 5pm. By the time I got there it is 4:35 pm. Needed to say I am the only customer in the lobby on that day. After discussing to each other behind my back, one of the staff came back to the lobby and told me i need to make an appointment to come back another day because according to them, the account opening process takes around 1 hour and its already 4:35 pm. Wth! Many business still serve customers as long as you walk in before they close. But I guess this bank not. They should change their business hour from 9 am to “whenever we feel like to”! Well I am not desperate to have to open accounts with them so I will never come back.

1 /5 Chloe Dong: I talked with a banker for 30 mins in HSBC and they never asked me to have a sit. Obviously they are rich and no need new customers. Don’t come and go to a big name bank for much better service.