I received a message from HSBC that the funds had arrived, but they were not in the account.

Generally speaking, the bank can't let anyone open an account in your name without you going to the counter of HSBC in person. Otherwise, the bank is illegal.

You can go to Hong Kong to check whether there is an account in your name.

3. If someone obtains (or forges) your power of attorney to open a bank account, you can use your passport and domestic ID card to cancel or modify all information and passwords in Zhang Hu and sign it.

4. If there is money in the illegally opened account, the bank can assume that the money belongs to you without any dispute. However, if others can prove the source of funds, banks and courts may not support that the funds in the account belong to you.

Under normal circumstances, the court will: 1) determine that the person who illegally uses your name to open an account is illegal and compensate you for the losses (if any); 2) Judging that the funds belong to the person with legal source certificate; 3) If there is a problem with the account, you don't call the police, but because the account has funds, you can use it at will; At this time, if someone sues you in court, you may be accused of illegal possession by someone who has evidence of legal sources of funds.