Next time that happens, file a complaint about HSBC with the CFPB (https://www.consumerfinance.gov/). I recently had a problem with PayPal and it was resolved in days after I file a complaint with the CFPB.

Also, please don't bank with HSBC. They are the worst of the worst. You'd be better off with Wells, that's how bad HSBC is. https://www.icij.org/investigations/fincen-files/hsbc-moved-...