I had all of my personal info stolen through an LEO's access to Lexus Nexus before (info storage for agencies as I needed background checks done as well). This compromised all of my bank info along with more. Once I saw that my credit card had been drained (twice, two different cards), I got the letter from Lexus Nexus explaining what happened. All of the fraudulent online purchases got cleared up but what really shocked me was that someone had contacted my bank and tried to have all of my accounts switched to their address in South Carolina and also signing them on making it a joint account.
My bank never contacted me one time throughout this process and when I finally called, all they were waiting for was my signature on the paperwork to make it happen. LUCKILY, they required it to be signed in person with valid ID. That was the only thing stopping it. The person's name was on my credit report as well. Since they had no credit it greatly effected my credit score. When all was said and done, it took about 15 months to get it all cleared up. After dealing with police on the issue, the name on my credit report and everything was fake. They were using an unoccupied house as the address as well. No one ever got charged.
I WILL NEVER USE HSBC AGAIN. From now on, it's only local credit unions where you can actually call and speak to someone IN ENGLISH, IN THE USA.