HSBC - Unauthorised debit from checking account through Interac
I went to the branch and they asked me if I had a mortgage or any preauthorization. I declined and asked them who has the payment been done to, since the transaction description on the account statement had no name, just a reference id. The branch said it was a payment processed by the backoffice and they cant help and asked me to call backoffice. I called the HSBC phonebanking team from the branch and they were also unable to confirm who the payment went to. Initially, they said it looks like internal HSBC charges or transfer. No other details. On probing further and telling them that I received an email yesterday from Interac saying that payment has been accepted, they said it cannot be Interac payment as the transaction description is something else. So I tell them to explain the email from Interac. The phonebanking representative asks me to get the banking representative on the call. I get him and they talk for like 5 mins, during which I hear the banking rep telling the phonebanking rep that the transaction has not been processed at the branch and they argue about some fraudulent activity. Basically, no one had a clue about who the payment went to, or even the type of transaction. After a discussion of about 50 mins, the phonebanking rep confirm that the payment has been made to my ex-landlord. How? No answer. They ask me get in touch with my ex-landlord. While I am on good talking terms with her, I see this as an issue with HSBC, not my ex-landlord. How did HSBC authorise the payment without me having initiated it? They lodged a complaint to investigate.
On opening my HSBC page for Interac payments, there is not even an option for setting up a recurring payment. Does anyone know how interac functions?