I have an HSBC card that sits in a drawer. It's not linked to any accounts, and only gets used for emergencies. It got compromised and used in two separate purchase on Amazon for a total of 200 dollars. First, they never sent a statement. Not in email or paper. I didn't learn about it until I received a Late Payment email after it was 30 days past due. I logged into the account, saw the charges, and started one of the most irritating and unhelpful experiences I've had dealing with a bank. The first agent couldn't help me, so they punted me to their fraud team. The agent there was aggressively unhelpful. Incapable of understanding what I was saying, not following the chain of events, and constantly wanting me to contact Amazon instead of them. Which is ridiculous, what with these purchases not existing in my Amazon account. I finally got irritated enough to get a manager. They weren't much better, but they at least accepted that they were on the hook to act on it and stopped trying to foist me off on Amazon. They said they would cancel the card, issue a new card, and start a 45 day fraud investigation. Which is just insane. Anytime this has happened the bank just took care of it right then and there. They didn't waste everyone's time over 200 lousy dollars. I got the new card in the mail a few days later. Along with a letter from the fraud department. It included a form where they wanted me, in handwriting, to lay out all the information that I had already given them over the phone. And they not only wanted me to mail it back, they didn't even include a paid envelope. Which, again, ridiculous. This is over 200 bucks, not 20,000. AND they didn't even get it right. The manager only flagged one of the two purchases, not both. They rolled the other fraudulent charge onto my new card. I called the number on the form, and got to listen to over a minute of "Special Offers" that I could accept before I got to a machine that literally told me to go away. Literally, it just gave me another number to call. At this point I called Customer Service again, which was probably a bad idea seeing as how bad they are at customer service. Once again I got an agent that had no clue what I was saying, what I was trying to do, or how to do anything remotely helpful. At this point I was done. I told them I would happily pay the 200 dollars just so I could cancel the account and never have to deal with them ever again. The only thing I wanted at this point was a guarantee that they would not report the 30 days late to the credit agencies, since they never sent me a notice or a statement until after it was late. This was like pulling teeth. They couldn't even grasp there was two charges and kept repeating back only the one. Once again I demanded a manager, and was told that they don't exist until 8:00AM EST...and it was 7:50 at the time. I was assured I would receive a call back immediately, right at 8:00. At 8:45, having received no such call, I called back again. The agent told me that all the managers were busy...which not surprising, since they are all terrible at their jobs. But at least they understood what I was trying to say. I reiterated that all I wanted to do at this point was pay the money, close the account, and never do business with them again. They were able to accommodate the payment, and they SAID they canceled the account even though I'm expecting it to remain open because they're incompetent. I mean, no attempt to repair the situation or retain me as a customer. So no bonus points, just an annoying end to an annoying situation. Literally any other bank in the world would have just waved off the 200 dollars to keep the customer happy. But not HSBC. I have no idea how they're still in business. I'd do zero stars if I could. I'm expecting that this will in fact hit my credit, making me have to jump through even more hoops. In that case I look forward to copy/pasting this review into a complaint with the Consumer Financial Protection Bureau.