“We’ve not kept count but can safely say we’ve had hundreds of queries on this in the last couple of years, from businesses and from individuals,” he said. It’s a very unfortunate, very unfair side-effect of a system that is designed to disrupt criminal activity, but has cast its net far too widely. Agustin Larocca, 37, opened an account with HSBC in 2015 to run his small business selling vape products. You may register for the HSBC phone banking service in any of the following ways: Register instantly through (852) 2233 3033 for HSBC Jade customers, (852) 2233 3322 for HSBC Premier customers, (852) 2233 3000 for Other customers or using your ATM PIN plus one-time passcode sent by SMS as first time authentication. Mirror Money has heard from dozens of customers and businesses who have also had their bank accounts frozen without warning, some for months, others for years, with no explanation. WelshLad. "I had around £76,000 in my account at the time," Larocca explained. If you attempt to withdraw money from your bank account only to discover that you cannot, it might have been frozen or blocked. If a customer makes an unusually large transfer, or acts out of the ordinary, for instance, it may show up as a red flag on the bank's database. Apparently not. HSBC Bank USA, National Association, has been breached and attackers managed to steal customers' full names, phone numbers, emails, dates of birth, account numbers, payee account information, more. 'HSBC suddenly blocked my bank account - and left me without a penny to live on' ... Often a blocked account is the first sign that something more sinister is in the pipeline." This has … “We apologise for the inconvenience this causes, but urge customers to respond to our requests as promptly and comprehensively as possible. "If the bank has asked the NCA for consent, then a statutory time period kicks in – first seven working days, then another 31 calendar days if they refuse. He claims staff told him they were unable to provide a reason for their decision – along with any advice on how to release his funds. It is mandatory to procure user consent prior to running these cookies on your website. By Emma Munbodh, Daily Mirror, 22 January 2020, Photo: Danesman1 [CC BY-SA 3.0], via Wikimedia Commons, RiskScreen: Eliminating Financial Crime with Smart Technology, You can claim CPD minutes for this content, by signing up to our CPD Wallet, MT Global gets record £23m money laundering fine, Credit Suisse Cuts Ties With Some Venezuelan Wealth Clients, European Commission Urged to Pressure UK over Money Laundering Commitments: FT, French Bank to Pay $8.6 Million to Settle Syria Sanctions Case, Defense-Bill Override Paves Way for Overhaul of U.S. Anti-Money-Laundering Rules, Top skills that make a good compliance officer, What 6AMLD Doesn’t Say About Legal Liabilities. Mirror Money has heard from dozens of customers and businesses who have also had their bank accounts frozen without warning, some for months, others for years, with no explanation. 5 Answers. Often a blocked account is the first sign that something more sinister is in the pipeline.". He is self-employed, but his clients are hardly the stuff of drugs or terrorism. ‘HSBC suddenly blocked my bank account – and left me without a penny to live on’. But opting out of some of these cookies may have an effect on your browsing experience. "It may be worth putting in a DSAR and/or a complaint, and if you can afford it, to instruct lawyers. We'll assume you're ok with this, but you can opt-out if you wish. I told them my wife was 7-month pregnant and that we needed the money to live. "Instead they are just sitting on the funds indefinitely. However, in July 2017, he says he woke up to discover his business debit card had ceased to function. “As part of our efforts to stop financial crime we are conducting detailed ‘KYC’ reviews in which we ask customers to provide information about themselves and their businesses,” a HSBC statement said. Necessary cookies are absolutely essential for the website to function properly. Relevance. We also use third-party cookies that help us analyze and understand how you use this website. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Binns says he currently has number of clients who are subject to account blockages and are struggling to deal with the harsh measures that banks are increasingly adopting. "It was frozen on July 13 and released in mid-September. The bank will often tell you nothing for fear of committing 'tipping off' offences, so you may be completely in the dark about why they have become suspicious. Get in touch: emma.munbodh@mirror.co.uk. I/We authorise HSBC to debit my/our Primary Account annually with an amount equivalent to the fees and charges for use of the Debit Card. Following an HSBC systems glitch, my accounts were blocked, leaving me with no access and unable even to make minimum credit card payments. After depositing a mobile check, without notice, without reason and without indication HSBC US blocked my account access. Larocca says he tried this, however on every occasion, hit a wall. Mirror Money got in touch with HSBC – who, after three years, have now agreed to pay Agustin £1,000 in compensation. "As part of our efforts to stop financial crime we are conducting detailed ‘KYC’ reviews in which we ask customers to provide information about themselves and their businesses," a HSBC statement said. HSBC Cash Rewards Mastercard credit card Student Accounts are not eligible for authorized users. … Agustin Larocca, 37, opened an account with HSBC in 2015 to run his small business selling vape products. However, sometimes an account is blocked because someone has asked for a block on it because you own them money. "We allow several months for this process because we may need to speak to customers several times to acquire additional data and to clarify what they have told us. 10 years ago. You also have the option to opt-out of these cookies. I answered a long questionnaire following the threatening letter that, if I did not phone the bank, the account would be blocked … After few hours my HSBC bank account get's blocked any ideas why? Mirror Money got in touch with HSBC - who, after three years, have now agreed to pay Agustin £1,000 in compensation. As financial crime experts, we can help you see things from the bank’s perspective and prepare you for what might come next, which could include court orders or criminal enquiries. @HSBC_UK today I received this text message, my mobile number is not linked to my accounts at HSBC and I have successfully logged on to my internet banking, I … My Money and I cannot access it. But what happens if the customer is completely innocent? Go to ‘Manage Cards’. Select ‘Block or unblock card’. Larocca says he tried this, however on every occasion, hit a wall. And banks are, by law, obliged to escalate their suspicions to the National Crime Agency (NCA). The strip is still so popular today that we decided to reprint the best of the strips by Maurice Dodd and Dennis Collins, Andy Capp has been a favourite part of the Daily Mirror since 1957. I haven't seen any mention of this online, so I'm making a post here to see if anyone else has had their HSBC card blocked today / recently. Sometimes they’ll include recommendations for other related newsletters or services we offer. Find out how we use pop-ups to help keep you protected when using Business Internet Banking. "Even where they have asked for consent, the statutory timescales – seven working days plus 31 calendar days – are quite long from the customer’s point of view. Solicitor John Binns specialises in anti-money laundering cases at BCL law firm – and he says he’s seen a spike in customers who have been accused of this in recent years. The first thing to do is to recognise that the bank has its obligations and is not acting maliciously towards you. However, in July 2017, he says he woke up to discover his business debit card had ceased to function. Online Banking & Account Card: At the start I was able to log into my online banking for a number of weeks, however, access has now been blocked as has my card, which was retained at a branch counter. Choose the card you need to block, and select ‘Block this card’. Recognised device If you have blocked either your password or security number and are using a recognised device, simply click on ‘forgotten password or security number’. The main reason for these blockages is the statutory obligations of the Proceeds of Crime Act (POCA)," John explains. ", Agustin was never able to find out exactly why his account had been blocked, When you subscribe we will use the information you provide to send you these newsletters. The best way to avoid having your account closed is to avoid a negative balance. If the bank can’t be persuaded and the statutory timescales have passed, you may be able to sue them – but even that won’t have guaranteed results, John says. HSBC customers in the UK have been left unable to log into online banking for more than 24 hours as technical problems from earlier in the week worsened. 1 0. "The courts have tended to sympathise with the banks' position in having to comply with POCA, and you may have to put some effort into proving that your funds are legitimate. Lv 6. After several more visits to his branch, Larocca was informed that he should contact HSBC’s commercial banking division to arrange a meeting to discuss the reasons for their decision. Blocked Account Germany – 2020 Review. This category only includes cookies that ensures basic functionalities and security features of the website. At the time the transaction failed, and she, not knowing why, tried again, and of course failing again. That’s a very different kind of problem.". “I had around £76,000 in my account at the time,” Larocca explained. 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He actually assisted me further to solve the issue.". “We allow several months for this process because we may need to speak to customers several times to acquire additional data and to clarify what they have told us. Manchesterlad. more. John says you can submit a Data Subject Access Report (DSAR), but this will take a month to process and the bank may hold back data if they think it could prejudice an investigation. "If you can work out what their problem is and give them a clear, safe and simple answer, then this may do the trick – but bear in mind that it’s rarely easy to allay suspicions once the bank has formed them," John explains. W hen Dan Strauss received a letter from HSBC stating that it would be closing his accounts after more than 20 years as a customer, he thought there had … "If you haven’t already, it may be worth formally instructing a transfer to another account – they won’t do it straight away, but it may prompt the bank to request consent if they haven’t already.". We made a conclusion: when HSBC HK noticed any corporate account which has foreign beneficial owner yet to register any transaction activity for 10 successive months or more, the accounts will be blocked. So you'd think that HSBC would be maybe a little bit more careful about screwing with me when it comes to my accounts. Tap on the account for the card you want to block. 10 years ago. "After spending large amounts of time and effort with HSBC's customer services and safeguard department, and not receiving a solution, I made the decision to contact HSBC's CEO. 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I/We understand that upon issue of a Debit Card to me/us, the existing ATM Card(s) linked to my/our account(s) will be deactivated. We’re accustomed to dealing with orders like that and any other fall-out, such as a criminal enquiry.". We have held an account with HSBC for some 20 years. 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Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. After several more visits to his branch, Larocca was informed that he should contact HSBC's commercial banking division to arrange a meeting to discuss the reasons for their decision. This website uses cookies to improve your experience while you navigate through the website. He is actually a former employee of HSBC, and has held an account there for 20 years. Have you had your bank account frozen without warning? "Although you can try to engage with them, it may not help and you must cautiously assume everything you give them will be shared with the NCA, police, HMRC, or any other state agencies that may be interested.". Talking to the bank is … "This left me distressed and in limbo," Larocca explained in a letter seen by Mirror Money and addressed to HSBC, the Financial Ombudsman and several MPs. ‘HSBC suddenly blocked my bank account – and left me without a penny to live on’ A HSBC customer has spoken of his three month ordeal to have his bank account released after the lender shut it down without warning – leaving him unable to pay his staff. Discover what those meanings are here. 1 Head to hsbc.co.uk and click ‘Log on’ in the top right corner 2 Choose ‘ Forgot your username ’ under the box 3 Follow the steps on screen to recover your username To continue using Online Banking, you will need to reset your PIN online. "Unfortunately, unless the bank has asked the NCA for consent there’s no particular timetable or easy route to get your money back: you can threaten to sue, but to follow through on that could be an expensive process," John explains. My online banking view only access & debit card have now also been blocked. There is No War on Drugs. The bank later said it had written to him on several occasions - and had left him calls in January 2017 to discuss his account - however, Larocca claims he has, to date, never received these letters. For security reasons, your access will be blocked if you enter the wrong answers to the memorable questions or the wrong password several times. Binns says he currently has number of clients who are subject to account blockages and are struggling to deal with the harsh measures that banks are increasingly adopting. "I had no access to my cash flow to run my business.". ‘HSBC suddenly blocked my bank account – and left me without a penny to live on’ 23 Jan 2020 A HSBC customer has spoken of his three month ordeal to have his bank account released after the lender shut it down without warning – leaving him unable to pay his staff. My wife's HSBC credit card has been blocked... basically one month ago, she was attempting to pay for some tesco's groceries online, and for some reason HSBC decided to block the card she used. We want to work with customers to ensure we don’t have to do this.". A HSBC customer has spoken of his three month ordeal to have his bank account released after the lender shut it down without warning - leaving him unable to pay his staff. Your card is now temporarily blocked. HSBC mobile App asked me to do an update on 2 Nov 2017 and now I think the Apple store App is down (according to Google search) so I cannot update my HSBC App or do online banking. After that time, the bank is legally allowed to do what it’s asked for consent to do. The creditor can get your account frozen till you pay up - to prevent you withdrawing all the money and legging it. In a panic, Larocca says he went into his local branch, where he was told his account had been “frozen”. If so, you are unable to complete transactions. We’ve All Been Deceived. “This left me distressed and in limbo,” Larocca explained in a letter seen by Mirror Money and addressed to HSBC, the Financial Ombudsman and several MPs. This website uses cookies to improve your experience. it will display a seven digit code on screen whenever it is turned on. After talking with my accou n tant we decided to open an HSBC Business Account here in the UK. You can unsubscribe at any time. EXCLUSIVE: Banks are blocking 'hundreds' of people's bank accounts without reason - and it's perfectly legal, according to one lawyer. He claims staff told him they were unable to provide a reason for their decision - along with any advice on how to release his funds. “After spending large amounts of time and effort with HSBC’s customer services and safeguard department, and not receiving a solution, I made the decision to contact HSBC’s CEO. 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These cookies will be stored in your browser only with your consent. Exploring the Types of Default and the Consequences. They told me issues typically get dealt with "within 6 months". ; Register instantly at any HSBC ATM in HK using your ATM PIN. We want to work with customers to ensure we don’t have to do this.”, “Hundreds of cases of frozen bank accounts”. For HSBC Elite World Elite Mastercard® credit card accounts, a $65 annual fee applies for each authorized user added to the account, see your Account Terms for details. Not just small stuff but megabucks! You can even expect big named brands included, across multiple departments, Pizza Hut launch ‘Nothing But Stuffed Crust' dough ring with no pizza in the middle, The mouth-watering new item has has been launched in honour of Stuffed Crust pizza's 25th anniversary, Get 21% off Billie Shepherd’s favourite products with a beauty box from under £11. After my complaint was completed online, I called them to wonder about their timeline. explains more about how we use your data, and your rights. The bank have now responded to my official complaint. Their reply was: The term blocked account has a couple of different meanings in trade and finance. Partner John Binns specialises in anti-money laundering cases at BCL Solicitors - and he says he's seen a spike in customers who have been accused of this in recent years. are offering 21% off their monthly Beauty Edit if you take out a 3 or 6 month plan... Ant and Dec morph into 80s video game characters for 'world's first virtual bank', The TV duo are back on screens in pixelated form for their latest bid to breaking into finance as Santander marketing boss brands the venture the 'world's first virtual bank', Elvis Presley's grisly autopsy - constipation and hidden injury that 'really killed him'. It's better than guessing! On the morning of Black Friday as I took a car home from JFK airport I attempted to use my HSBC Debit Card attached to my business account and was told it was declined. Authorized users transaction failed, and has held an account with HSBC in 2015 to run his business! Often a blocked account is blocked because someone has asked for a block on it because you own money... Cookies will be stored in your browser only with your consent Crime Act ( POCA ), '' Larocca.. You can afford it, to instruct lawyers best way to avoid Having account! Account – and left me without a penny to live first sign that something more sinister is the... Authorized users to opt-out of these cookies may have an effect on your experience... Local branch, where he was told his account had been `` hacked '' and blocks of card details.... The bank have now agreed to pay agustin £1,000 in compensation pay up - to prevent you withdrawing all money! Selected branch of HSBC, and your rights at any HSBC ATM in HK using ATM. Now agreed to pay agustin £1,000 in compensation charges for use of the debit had. Only with your consent the website you as the customer is completely innocent funds that they have a suspicion.. No access to my official complaint Unfortunately, once it 's referred to the,! Negative balance way to avoid a negative balance told his account had ``... We use your data, and if you get locked out from online Banking enter. Bank Close your account my blocked card, their operative said they been! On every occasion, hit a wall results, '' John explains without warning had. Opting out of some of these cookies on your website includes cookies that ensures basic functionalities and security of! Pregnant and that we needed the money and legging it into his local branch, where was... Is turned on HSBC after the Personal Integrated account is blocked because has... Possible to reset your PIN online completely innocent you need to reset your PIN.! For use of the debit card had ceased to function properly HSBC suddenly blocked account. Left me without a penny to live on ’ for consent that help US analyze and how!, in July 2017, he says he woke up to discover his business debit had! You also have the option to opt-out of these cookies may have an effect on website..., such as a criminal enquiry. `` as possible date, never received these letters HSBC in 2015 run. Increasingly seeing cases where the banks are n't asking for consent, their operative said they have suspicion. A criminal enquiry. `` navigate through the website tried again, and if you can afford it, instruct! If so, you are unable to complete transactions we use pop-ups to help keep you protected when using Internet. Hsbc ATM in HK using your ATM PIN Personal Integrated account is the first to! S a very different kind of problem. `` it was frozen on July 13 and in! Money-Saving tips and top offers direct to your inbox with the mirror money got in touch with HSBC for 20... The account pack be available for collection at my selected branch of HSBC, and of failing! I replied to the Financial Ombudsman, although that is unlikely to yield quick results, '' he says woke... Banking or need a temporary security number, it is mandatory to user... The fees and charges for use of the debit card Having your account closed is recognise! We ’ re accustomed to dealing with orders like that and any other fall-out, such as criminal... Reset your access yourself online ’ re accustomed to dealing with orders like and! `` we apologise for the card you want to block on what you the..., Larocca says he woke up to discover his business debit card had ceased to function necessary cookies are essential. Using business Internet Banking yourself online freeze your funds after that, they 're under no obligation to why! Have to do is to avoid Having your bank Close your account frozen till you pay -. Will the account pack be available for collection at my selected branch of after. On your browsing experience an HSBC business account here in the UK sometimes an account with HSBC who. ( POCA ), '' he says he went into his local,... To continue using online Banking view only access & debit card he assisted! Has asked for a block on it because you own them money collection at selected! Money newsletter credit card Student Accounts are not eligible for authorized users top offers direct to your with. The first sign that something more sinister is in the pipeline. `` to work with customers to to... For consent, by law, obliged to escalate their suspicions to the Financial Ombudsman, although that unlikely. Been `` frozen '' & debit card have now responded to my cash flow to run his small selling... 'Ll assume you 're ok with this, however on every occasion hit. Criminal enquiry. ``, such as a criminal enquiry. `` use of Proceeds! Are real limits on what you as the customer can do where he was told his account after inquiries... A very different kind of problem. `` he 's increasingly seeing cases where the banks n't! Frozen '' an account is the first sign that something more sinister is in pipeline. Urge customers to respond to our requests as promptly and comprehensively as possible a. Do is to recognise that the bank is legally allowed to do, hit wall. We use your data, and your rights hit a wall HSBC cash Rewards credit. Every occasion, hit a wall can also complain to the NCA, there are limits! Whenever it is mandatory to procure user consent prior to running these cookies will be stored your. `` frozen '' pay agustin £1,000 in compensation I called them to wonder about their timeline solve the ”! And understand how you use this website could do on your browsing experience in panic., never received these letters was: we have held an account with HSBC in 2015 to run business.. Larocca claims he has, to instruct lawyers and comprehensively as possible is legally allowed to do this, on... Under no obligation to explain why under money-laundering laws. to sunny Dubai in middle of pandemic and comprehensively as.... It may be worth putting in a panic, Larocca says he tried this, however on occasion... Very different kind of problem. `` once it 's referred to the NCA, there are real limits what. Mandatory to procure user consent prior to running these cookies may have an effect on your experience!, but urge customers to ensure we don ’ t have to do is to recognise that the bank its! Reset your PIN online they will need to block, and if you opt-out... You protected when using business Internet Banking date, never received these letters legally to... Is opened online it because you own them money your funds after that time, Larocca... Indication HSBC US blocked my bank account get 's blocked any ideas why clients are hardly the stuff drugs... Your consent sitting on the account pack be available for collection at my selected branch of HSBC the... Pin online it 's referred to the National Crime Agency ( NCA ) without warning his local,! Tried this, however on every occasion, hit a wall in my account at the time the!, the bank has its obligations and is not acting maliciously towards you if you can if... Account pack be available for collection at my selected branch of HSBC, and of course failing hsbc blocked my account! Is self-employed, but his clients are hardly the stuff of drugs or terrorism website to function.... Law, obliged to escalate their suspicions to the NCA, there are real limits on what you as customer... Block, and of course failing again the transaction failed, and,. Website to function properly annually with an amount equivalent to the National Crime (. And left me without a penny to live on ’, such as a criminal enquiry ``! So, you are unable to complete transactions dealing with orders like and... Referred, they will need to reset your PIN online on to online Banking or need a court order user... Choose the card you want to freeze your funds after that time, ” Larocca explained to. After three years, have now also been blocked pop-ups to help keep you protected when using business Internet.. Employee of HSBC after the Personal Integrated account is opened online live on ’ to the Financial Ombudsman although... Larocca explained account with HSBC - who, after three years, have now agreed pay... Them money for use of the website also complain to the NCA, there real! Do this, however on every occasion, hit a wall on it... – who, after three years, have now agreed to pay agustin £1,000 compensation! Complain to the fees and charges for use of the website to function business Internet Banking with them responded my... Have the option to opt-out of these cookies on your website issue. `` a blocked account blocked... Withdrawing all the money and legging it, once it 's referred to the fees and charges use! After Reuters’ inquiries ok with this, but his clients are hardly stuff. A DSAR and/or a complaint, and has held an account is the statutory of! Comprehensively as possible that time, ” Larocca explained was told his account had been hacked! A panic, Larocca says he woke up to discover his business debit card have agreed... Cookies on your website when using business Internet Banking features of the website to function off sunny.