To dispute an HSBC charge, call HSBC customer service at 1 (888) 662-4722. Alternatively, the address to dispute a charge by mail is:
HSBC Bank USA, N.A.
P.O. Box 9,
Buffalo, NY 14240
HSBC disputes are typically resolved within 90 days, though more complex issues may take a little longer. HSBC does not allow you to dispute a charge online.
Once you've initiated the dispute, HSBC will then contact the merchant and review any information provided by both parties. You won't be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your HSBC card as you normally would while a dispute is ongoing.
HSBC will notify you of the outcome of the dispute after they've completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
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