Customer service is absolutely shocking. An appalling level of incompetence. Do not deal with this organisation!! I spent 50 minutes reporting a scam. Afterwhich, I was advised that the payment could not be stopped, however, the money would be recovered & a fraud investigation undertaken. 3 weeks later no money has been credited & customer services have no record of the original conversation. Just spent another 50 minutes on hold waiting for a transfer to the fraud dept. Now advised that there is no record of the original conversation, despite calls being recorded for 'training purposes'. Requested to speak to a manager, only to be put on hold again. Now in the process of switching both personal & business accounts to another supplier due to the total incompetence of the staff within HSBC.