I had a debit only account (no checks, just a debit card) with HSBC. My paycheck was directly deposited to this account. Then one day my card does not work on payday and I call the customer Service, I am told they have decided to close my account and have hot lined my card so that it couldn't be used. I told them they were holding my paycheck hostage and I had bills to pay and kids to feed. They agreed to overnight me a check for the balance in my account (There were no paper checks so nothing would need to "clear") they sent my check out on a Friday, I received it on a Monday. I took it to a local grocer to cash the check. They cashed it no problem. About a month later I walk into the store and the owner informs me they put a "stop payment" on the check and they didn't receive the funds. I immediately called the bank and kept getting disconnected or getting the run around from customer service. I requested for them to send my my statements, and an explanation as to why they stopped payment on the check, etc... I never received one. This was in November (no that is not a typo). I finally got someone to say they would issue another check. It never came. After another conversation I learned that they stopped payment on the check ($537.00) because after they cut it an automatic ACH debit came through for $315.00 and they paid it. They then tried to say I failed to stop the ACH debit, however, all this happened over the weekend and I didn't have a chance to stop it.instead of denying the ACH, they stopped payment on the check. Now two years later, I have an warrant issued for my arrest for Felony passing of a bad check... The bank NEVER made good on the stop payment check and now the county is coming after me!!! Of course I can't get any information from them to prove my case... Any suggestions???
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