HSBC North America Holdings Inc. Credit Card Complaint

HSBC North America Holdings Inc. Credit card department,

Florida

A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated - -, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in - ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than - Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.