Firm analysis

HSBC UK Bank Plc complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving HSBC UK Bank Plc, including outcome context, product mix, complaint themes, and representative cases.

Page summary

6,960 published decisions involving HSBC UK Bank Plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

6,960

Firm-specific decision volume in the public corpus

Upheld rate

29.1%

2,028 upheld decisions

Latest published decision 30 Jan 2026

Published decisions

6,960

Firm-specific decision volume in the public corpus

Upheld rate

29.1%

2,028 upheld decisions

Leading product

Banking and Payments

4,631 decisions

Leading complaint theme

Fraud Or Scam Concern

1,716 tagged decisions

HSBC UK Bank Plc at a glance

HSBC UK Bank Plc appears in 6,960 published decisions in this corpus. 29.1% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and Payments is the firm’s clearest product exposure in the published decisions, with 4,631 decisions and an upheld rate of 32.2%.

Latest active year in the published data: 2026 (20 decisions)
Most common complaint theme: Fraud Or Scam Concern
Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

HSBC UK Bank Plc's decision trail runs from 2018 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, HSBC UK Bank Plc appeared in 20 published decisions with an upheld rate of 40.0%.

2026: 20 decisions, 40.0% upheld
2025: 1,223 decisions, 25.4% upheld
2024: 1,023 decisions, 31.1% upheld
2023: 965 decisions, 36.8% upheld
2022: 1,095 decisions, 36.5% upheld

Themes, products, and precedent signals

Fraud Or Scam Concern is the strongest complaint-theme signal tied to HSBC UK Bank Plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Disp, Section 75 Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

Banking and Payments: 4,631 decisions
Second complaint theme: Delay In Claim Handling
Second precedent signal: Disp

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-578612330 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

I uphold this complaint and require HSBC UK Bank Plc to reimburse Mr N in line with what I have said above. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr N to accept or reject my decision before 24 February 2026.

View source decision

DRN-581749730 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

For the reasons I’ve explained above, I uphold this complaint. If Mr S accepts my final decision, HSBC UK Ltd should refund the payments he made in connection with the scam, less any returns that he received.

View source decision

DRN-583338830 Jan 2026Upheld

HSBC UK Bank Plc · Banking and Payments

For the reasons set out above, I uphold this complaint and require HSBC UK Bank Plc to: • Refund Mr R the £12,300 loss he suffered as a result of this scam • Pay Mr R 8% simple interest on that refund, from the deadline for its original response to his claim until the date of settlement Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 27 February 2...

View source decision

DRN-587204730 Jan 2026Upheld