HSBC North America Holdings Inc. Credit Card Complaint

HSBC North America Holdings Inc. Credit card department,

Billing statement California

I have a Credit Card account with HSBC, USA. Recently my card was replaced due to suspicious activity on the account. During the following statement period ( janurary, 2016 ), an 'Autopayment ' of the full balance of $3400.00 was taken from my bank ( - Account # - ) without my authorization. This occurred on - -, 2016. I had previously set up the account to deduct the MINIMUM PAYMENT, not the full balance. I contacted HSBC about this. They noticed their error and issued a 'Return Payment '. However, though the return payment showed up on my statement - they did not return the funds to my bank account. I followed up again a week later. They claimed the funds had been returned,


On - - another 'Payment Adjustment ' was listed on my statement for $3400.00. Still no actual funds were returned to me. At this point my credit card balance was over $6000.00 due to HSBC error. I followed up again and at HSBC 's request opened a dispute about the charge with - Bank. - issued me a provisional credit. Their investigation continues. On - -, another payment adjustment was issued by HSBC. This time for $1500.00. Again, no funds were returned. This caused my account to be overdrawn. At this point I began to worry about how it will affect my Credit Score. I informed HSBC of this, but they claimed the issue had been resolved and the funds had been returned, but they had not. Again I offered to show my - statement as proof. On - -, another payment adjustment was listed on my statement. This resolved the $1500.00 in question, but not the initial $3400.00. I am still waiting for them to resolve the initial complaint and return the $3400.00 to me. An investigation into this issue has been ongoing since - -. It has not been resolved. It has caused me a lot of stress as the Phone Customer service representatives are unable to assist me and will not allow me to speak to anyone higher up the chain. It has been over 60 days since my first complaint was filed. The high balance that has been listed on the account worries me as it will affect my credit score and is through no fault of my own. HSBC are also charging me interest on this balance. The Balance is incorrect due to their error. I am having a lot of trouble resolving this issue.