How to Dispute Stolen Credit Card Transactions With HSBC

Written by bonnie conrad
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If your HSBC credit card is stolen, you need to act quickly to prevent fraudulent charges and unnecessary hassles. Reporting your stolen card to HSBC immediately gives the company time to stop the card and prevent new charges. However, if the thieves only steal your credit card number, you might not notice those fraudulent charges until you receive your next statement in the mail. When that occurs, you will need to enlist help from HSBC to reverse those charges and get your card replaced.

Skill level:
Moderate

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Things you need

  • Credit card statement

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Instructions

  1. 1

    Report the theft of your credit card to HSBC as soon as possible. If a thief gained access to your credit card number and you still have the card in your possession, you might not realise there is a problem until you receive your statement. But if your card is physically gone, you need to notify HSBC of the theft as soon as possible. Keep copies of any police reports and incident reports surrounding the theft. You might need to provide them to HSBC to substantiate your claim.

  2. 2

    Log on to your account at HSBC.com if you signed up for online access. Go to the customer service section and click on the "Report card lost or stolen" link. Provide as much information as you can about your card and the circumstances surrounding its theft. If you do not have online access, call the toll-free number listed on your credit card statement and follow the prompts to report the theft of your card.

  3. 3

    Review the transactions on your card, either online or on the telephone with the representative. Identify any charges you feel are fraudulent and place them in dispute. You can initiate the dispute over the phone, but it is best to follow up in writing as well. Note the transaction ID of each fraudulent charge and record it for your records. Having a record of the fraudulent charges will make it easier to track your disputes.

  4. 4

    Complete the dispute form you receive from HSBC. Include the date of the fraudulent transaction, the amount of the charge and the transaction ID. Make copies of the form for your records, then submit the completed form to HSBC for processing.

  5. 5

    Provide any additional information HSBC requests, including police reports and affidavits swearing that you did not initiate the charges in question. Follow up with HSBC if you have any questions about the dispute process.

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