HSBC will screw you every step of the way. I set up automatic payments with them for my car at the time, and they “accidently” set it up to be sent every week instead of every month. Then I tried to contact them about it, and ended up having to call their international phone line because I couldn’t get through to a person any other way. Then they refused to make attempts to reclaim the money, even though they admitted fault. Then I walked into a branch to close the account, and found out a month later that they had left a dollar in the account, to which I had been incurring fees because I didn’t meet the minimum balance, even though I was sitting there with a form from them signed and everything saying I had closed the account.
Do you have some sort of proof that HSBC did send in payment to BofA? At least then you’ll know if it was HSBC’s fault, or BofA’s fault.